AmeriServ Financial Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	44.1	42.26	36.05	36.02	40.56	39.08
Net Interest Income Growth	13.81%	17.24%	0.08%	-11.20%	3.79%	107368.31%
Non-Interest Income	17.31	16.99	17.98	16.39	16.69	17.76
Non-Interest Income Growth	2.57%	-5.49%	9.68%	-1.81%	-6.02%	109030.57%
Revenues Before Loan Losses	61.41	59.25	54.02	52.41	57.26	56.84
Provision for Credit Losses	1.01	4.12	0.88	7.43	0.05	1.1
Revenue	60.4	55.13	53.14	44.98	57.21	55.74
Revenue Growth	17.10%	3.75%	18.14%	-21.37%	2.62%	110795.82%
Compensation Expenses	29.28	28.94	28.39	29.63	28.49	27.85
Selling, General & Admin	14.44	13.25	14.11	14.29	11.67	10.74
Other Non-Interest Expenses	6.31	6.15	6.25	5.45	7.84	8.38
Total Non-Interest Expense	50.02	48.34	48.74	49.37	48	46.97
Pretax Income	10.38	6.8	4.4	-4.39	9.2	8.77
Provision for Income Taxes	1.86	1.18	0.8	-1.04	1.75	1.7
Net Income	8.52	5.61	3.6	-3.35	7.45	7.07
Net Income to Common	8.52	5.61	3.6	-3.35	7.45	7.07
Net Income Growth	130.34%	55.85%	-	-	5.32%	153706.00%
Shares Outstanding (Basic)	17	17	17	17	17	17
Shares Outstanding (Diluted)	17	17	17	17	17	17
Shares Change	1.36%	-1.62%	-1.99%	-0.01%	0.19%	0.30%
EPS (Basic)	0.51	0.34	0.21	-0.20	0.44	0.41
EPS (Diluted)	0.51	0.34	0.21	-0.20	0.43	0.41
EPS Growth	131.82%	61.91%	-	-	4.88%	51.85%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Free Cash Flow	-	2.06	0.98	4.92	3.13	8.7
Free Cash Flow Growth	-	111.37%	-80.15%	57.14%	-64.03%	-
Free Cash Flow Per Share	-	0.12	0.06	0.29	0.18	0.51
Dividends Per Share	0.120	0.120	0.120	0.120	0.115	0.100
Dividend Growth	0%	0%	0%	4.35%	15.00%	0%
Profit Margin	14.10%	10.18%	6.78%	-7.44%	13.02%	12.69%
FCF Margin	-	3.74%	1.84%	10.93%	5.47%	15.60%
Effective Tax Rate	17.95%	17.42%	18.14%	23.75%	19.05%	19.40%

SEC Filings: 10-K · 10-Q