AmeriServ Financial Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	5.06	3.6	-3.35	7.45	7.07	4.6
Depreciation & Amortization	2.13	2.08	2.07	2.1	2.04	2
Provision for Credit Losses	4.45	0.88	7.43	0.05	1.1	2.38
Stock-Based Compensation	-	0.01	0.05	0.05	0.04	0
Net Change in Loans Held-for-Sale	0.78	-0.33	-0.07	0.92	5.27	-1.38
Other Adjustments	-0.74	-1.17	-0.78	-1.1	-1.7	0.41
Changes in Trading Assets	-2.36	-	-	-	-	-
Changes in Accrued Interest and Accounts Receivable	-0.19	0.04	-0.73	-0.82	1.08	-1.62
Changes in Accounts Payable	0.53	-0.34	3.07	0.05	-0.49	-0.53
Changes in Other Operating Activities	-2.24	-2.1	-1.41	-3.48	-4.47	-7.23
Operating Cash Flow	5.31	2.69	6.3	5.21	9.94	-1.37
Operating Cash Flow Growth	1121.38%	-57.34%	20.91%	-47.59%	-	-
Net Change in Loans Held-for-Investment	16.97	-33.5	-50.87	-6.92	-11.63	-89.03
Net Change in Securities and Investments	-5.16	11.14	11.83	-48.3	-29.27	-5.51
Proceeds from Business Divestments	-	-	-	-	40.43	-
Capital Expenditures	-0.41	-1.71	-1.38	-2.08	-1.24	-1.33
Sale of Property, Plant & Equipment	1.66	0.26	0.04	0.01	0.01	0.06
Other Investing Activities	2.09	0.71	0.39	1	1.21	0.49
Investing Cash Flow	-22.47	-23.1	-39.99	-56.28	-0.49	-95.32
Net Change in Deposits	69.26	42.64	49.86	-30.74	42.12	94.41
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-11.76	-26.31	-47.69	88.64	-24.7	2.29
Long-Term Debt Issued	5.45	28.7	42.37	-	28.59	36.05
Long-Term Debt Repaid	-12.17	-17.38	-17.8	-23.11	-44.21	-24.93
Net Long-Term Debt Issued (Repaid)	-6.72	11.33	24.57	-23.11	-15.63	11.12
Issuance of Common Stock	-	-	0.09	0.11	0.06	0.08
Repurchase of Common Stock	-	-1.51	-	-	-	-0.15
Net Common Stock Issued (Repurchased)	-	-1.51	0.09	0.11	0.06	-0.07
Common Dividends Paid	-1.98	-2.02	-2.06	-1.97	-1.71	-1.72
Financing Cash Flow	48.8	24.13	24.77	32.93	0.15	106.03
Net Cash Flow	31.65	3.72	-8.94	-18.14	9.6	9.34
Free Cash Flow	4.9	0.98	4.92	3.13	8.7	-2.7
Free Cash Flow Growth	402.46%	-80.15%	57.14%	-64.03%	-	-
FCF Margin	9.17%	1.84%	10.93%	5.47%	15.60%	116.18%
Free Cash Flow Per Share	0.30	0.06	0.29	0.18	0.51	-0.16
Levered Free Cash Flow	-4.2	12.91	22.85	-19.9	-11.64	2.42
Unlevered Free Cash Flow	-2.55	-2.02	1.63	-4.24	-3.09	-8.7

Updated Jan 20, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q