AmeriServ Financial (ASRV) Financial Statements & Analysis

AmeriServ Financial (ASRV) Income Statement

AmeriServ Financial reported revenue of $59.25M in fiscal 2025 (fiscal year ended Dec 31, 2025), up 11.5% from $53.14M a year earlier. Net income was $5.61M, up 55.8% year over year, a net margin of 9.5%. Gross margin was 93.0% and operating margin 11.5%. In the most recent quarter, Q2 fiscal 2026 (ended Jun 30, 2026), revenue was $22.67M, up 99.6% from the same quarter a year earlier.

AmeriServ Financial Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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AmeriServ Financial, Inc. income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	59.25	53.14	77.25	65.75	64.43	63.16	64.54	61.32	59.00
Cost of Revenue	33.21	31.34	32.27	8.55	8.69	12.89	15.13	11.00	9.60
Gross Profit	55.13	53.14	44.98	57.21	55.74	50.27	49.42	50.32	49.41
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	29.93	14.11	30.34	29.01	28.50	28.59	26.13	25.59	25.22
Operating Expenses	48.34	48.74	49.37	48.00	46.97	44.46	41.82	40.87	40.73
Operating Income	6.80	4.40	-4.39	9.20	8.77	5.81	7.60	9.45	8.68
Other Income/Expense
Interest Income	71.35	66.51	60.86	49.06	46.67	46.88	49.77	47.09	44.36
Interest Expense	29.09	30.46	24.84	8.50	7.59	10.52	14.33	11.60	8.80
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	6.80	4.40	-4.39	9.20	8.77	5.81	7.60	9.45	8.68
Income Tax Expense	1.18	0.80	-1.04	1.75	1.70	1.21	1.57	1.68	5.39
Net Income	5.61	3.60	-3.35	7.45	7.07	4.60	6.03	7.77	3.29
Net Income - Continuous Operations	5.61	3.60	-3.35	7.45	7.07	4.60	6.03	7.77	3.29
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	2.10	2.08	-2.31	11.30	10.81	7.81	9.47	10.98	10.35
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	2.10	2.08	2.07	2.10	2.04	2.00	1.87	1.53	1.67
Earnings Per Share
Basic EPS	-	-	-	-	-	-	-	-	-
Diluted EPS	-	-	-	-	-	-	-	-	-
Basic Shares Outstanding	16.52	16.80	17.14	17.11	17.07	17.05	17.36	17.93	18.50
Diluted Shares Outstanding	16.52	16.80	17.14	17.15	17.11	17.06	17.44	18.04	18.60

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About AmeriServ Financial Financial Statements

What was AmeriServ Financial's revenue in fiscal 2025?

AmeriServ Financial reported revenue of $59.25M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was up 11.5% from $53.14M a year earlier.

Is AmeriServ Financial profitable?

Yes. AmeriServ Financial earned net income of $5.61M in fiscal 2025, a net margin of 9.5%. In fiscal 2024 it earned $3.60M.

What is AmeriServ Financial's operating margin?

AmeriServ Financial's operating income was $6.80M on revenue of $59.25M in fiscal 2025, an operating margin of 11.5%, compared with 8.3% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition