AmeriServ Financial Inc (ASRV)

Name: AmeriServ Financial Inc Financial Statements
Creator: Quarter Results

Financial Services | Banks Regional

Latest reporting period: 2025-03-31

Latest Quarter

2025-03-31

Revenue

$21.1M

Net Income

$1.9M

Operating Margin

11.3%

Free Cash Flow

$2.1M

Debt / Assets

92.1%

Values are in USD and rounded to the nearest whole number unless noted.

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Income statement quarterly history for AmeriServ Financial Inc (ASRV).
Income Statement (Quarterly)	2025-03-31	2024-12-31	2024-09-30	2024-06-30
Revenue	21,143,000	21,516,000	20,911,000	20,882,000
Cost of Revenue	6,994,000	8,582,000	7,770,000	8,069,000
Gross Profit	14,149,000	12,934,000	13,141,000	12,813,000
Operating Expenses
R&D Expenses	0	0	0	0
SG&A Expenses	7,463,000	7,301,000	7,377,000	7,358,000
Operating Expenses	11,763,000	11,858,000	11,721,000	13,297,000
Operating Income	2,386,000	1,076,000	1,420,000	-484,000
Interest Expense	7,091,000	7,524,000	7,821,000	7,635,000
Income Before Tax	2,386,000	1,076,000	1,420,000	-484,000
Income Tax Expense	478,000	187,000	237,000	-109,000
Net Income	1,908,000	889,000	1,183,000	-375,000
Per Share
EPS	0.12	0.05	0.07	-0.02
EPS Diluted	0.00	0.00	0.00	0.00

Income statement annual history for AmeriServ Financial Inc (ASRV).
Income Statement (Annual)	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2022-01-24
Revenue	88,343,000	84,480,000	77,249,000	8,197,000	4,138,000
Cost of Revenue	33,211,000	31,341,000	32,269,000	0	0
Gross Profit	55,132,000	53,139,000	44,980,000	8,197,000	0
Operating Expenses
R&D Expenses	0	0	0	0	0
SG&A Expenses	33,482,000	29,408,000	30,343,000	29,007,000	0
Operating Expenses	48,336,000	48,740,000	49,368,000	3,210,000	0
Operating Income	6,796,000	4,399,000	-4,388,000	17,696,000	14,266,000
Interest Expense	29,091,000	30,457,000	24,840,000	8,495,000	12,110,000
Income Before Tax	6,796,000	4,399,000	-4,388,000	9,201,000	1,981,000
Income Tax Expense	1,184,000	798,000	-1,042,000	1,753,000	0
Net Income	5,612,000	3,601,000	-3,346,000	7,448,000	1,981,000
Per Share
EPS	0.34	0.21	-0.20	0.44	0.12
EPS Diluted	0.00	0.00	0.00	0.00	0.00

Balance sheet quarterly history for AmeriServ Financial Inc (ASRV).
Balance Sheet (Quarterly)	2025-12-31	2024-12-31	2023-12-31	2022-12-31
Assets
Cash and Cash Equivalents	14,528,000	17,746,000	14,027,000	22,962,000
Short Term Investments	38,509,000	155,620,000	165,711,000	179,508,000
Net Receivables	1,030,804	5,486,000	5,529,000	4,804,000
Inventory	0	0	106,669,000	-28,655,000
Total Current Assets	54,067,804	178,852,000	20,406,000	23,634,000
Property Plant Equipment	17,506,000	18,109,000	17,179,000	17,503,000
Goodwill and Intangibles	13,667,000	13,688,000	13,712,000	13,739,000
Total Assets	1,454,133,000	1,422,362,000	1,389,638,000	1,361,736,000
Liabilities
Account Payables	0	0	0	0
Short Term Debt	3,028,000	14,642,000	49,325,000	108,406,000
Total Current Liabilities	1,251,272,000	1,215,637,000	1,025,381,000	91,964,000
Long Term Debt	77,647,000	87,045,000	66,658,000	49,732,000
Total Liabilities	1,338,893,000	1,315,114,000	1,287,361,000	1,257,696,000
Shareholders Equity
Retained Earnings	64,111,999	60,482,000	58,901,000	65,486,000
Total Shareholders Equity	119,312,000	107,248,000	102,277,000	104,040,000

Balance sheet annual history for AmeriServ Financial Inc (ASRV).
Balance Sheet (Annual)	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2022-04-01
Assets
Cash and Cash Equivalents	14,528,000	17,746,000	14,027,000	22,962,000	17,765,000
Short Term Investments	38,509,000	155,620,000	165,711,000	179,508,000	46,531,000
Net Receivables	1,030,804	5,486,000	5,529,000	4,804,000	0
Inventory	0	0	106,669,000	-28,655,000	0
Total Current Assets	54,067,804	178,852,000	20,406,000	23,634,000	64,296,000
Property Plant Equipment	17,506,000	18,109,000	17,179,000	17,503,000	17,376,000
Goodwill and Intangibles	13,667,000	13,688,000	13,712,000	13,739,000	0
Total Assets	1,454,133,000	1,422,362,000	1,389,638,000	1,361,736,000	1,247,538,000
Liabilities
Account Payables	0	0	0	0	0
Short Term Debt	3,028,000	14,642,000	49,325,000	108,406,000	0
Total Current Liabilities	1,251,272,000	1,215,637,000	1,025,381,000	91,964,000	0
Long Term Debt	77,647,000	87,045,000	66,658,000	49,732,000	0
Total Liabilities	1,338,893,000	1,315,114,000	1,287,361,000	1,257,696,000	1,017,771,000
Shareholders Equity
Retained Earnings	64,111,999	60,482,000	58,901,000	65,486,000	0
Total Shareholders Equity	119,312,000	107,248,000	102,277,000	104,040,000	115,658,000

Cash flow quarterly history for AmeriServ Financial Inc (ASRV).
Cash Flow Statement (Quarterly)	2025-12-31	2024-12-31	2023-12-31	2022-12-31
Operating Activities
Net Income	5,612,000	3,601,000	-3,346,000	7,448,000
Depreciation & Amortization	0	2,083,000	2,073,999	2,096,000
Stock Based Compensation	0	8,000	45,000	50,000
Change in Working Capital	303,000	-461,000	2,274,000	-859,000
Operating Cash Flow	3,187,000	2,687,000	6,190,000	5,209,000
Investing Activities
Capital Expenditure	-1,124,000	-1,711,000	-1,381,000	-2,080,000
Investments	0	-1,711,000	-1,381,000	-2,080,000
Investing Cash Flow	11,070,000	-23,099,000	-39,896,000	-56,281,000
Financing Activities
Debt Repayment	-26,273,000	-14,981,000	-23,121,000	-23,107,000
Common Stock Issued/Repurchased	9,000	-1,511,000	43,108,999	8,081,000
Dividends Paid	-1,982,000	-2,020,000	-2,057,999	-1,967,000
Financing Cash Flow	18,888,000	24,131,000	24,771,000	32,933,000
Summary
Free Cash Flow	2,063,000	976,000	4,809,000	3,129,000
Net Change in Cash	33,145,000	3,719,000	-8,935,000	-18,139,000

Cash flow annual history for AmeriServ Financial Inc (ASRV).
Cash Flow Statement (Annual)	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2022-01-01
Operating Activities
Net Income	5,612,000	3,601,000	-3,346,000	7,448,000	7,072,000
Depreciation & Amortization	0	2,083,000	2,073,999	2,096,000	2,035,000
Stock Based Compensation	0	8,000	45,000	50,000	43,000
Change in Working Capital	303,000	-461,000	2,274,000	-859,000	500,000
Operating Cash Flow	3,187,000	2,687,000	6,190,000	5,209,000	9,939,000
Investing Activities
Capital Expenditure	-1,124,000	-1,711,000	-1,381,000	-2,080,000	-1,241,000
Investments	0	-1,711,000	-1,381,000	-2,080,000	-1,241,000
Investing Cash Flow	11,070,000	-23,099,000	-39,896,000	-56,281,000	-488,000
Financing Activities
Debt Repayment	-26,273,000	-14,981,000	-23,121,000	-23,107,000	-44,214,000
Common Stock Issued/Repurchased	9,000	-1,511,000	43,108,999	8,081,000	0
Dividends Paid	-1,982,000	-2,020,000	-2,057,999	-1,967,000	-1,708,000
Financing Cash Flow	18,888,000	24,131,000	24,771,000	32,933,000	146,000
Summary
Free Cash Flow	2,063,000	976,000	4,809,000	3,129,000	8,698,000
Net Change in Cash	33,145,000	3,719,000	-8,935,000	-18,139,000	9,597,000