AmeriServ Financial (ASRV) Cash Flow: Operating & Free Cash Flow

AmeriServ Financial Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Cash flow statement showing operating, investing, and financing activities for AmeriServ Financial, Inc. (ASRV) - 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
Operating Activities
Net Income	5.61	3.60	-3.35	7.45	7.07	4.60	6.03	7.77	3.29
Depreciation & Amortization	2.10	2.08	2.07	2.10	2.04	2.00	1.87	1.53	1.67
Deferred Income Tax	0.99	-0.03	-0.57	0.53	0.73	1.61	0.18	2.67	4.30
Stock Based Compensation	0.69	0.01	0.05	0.05	0.04	0.00	0.01	0.01	0.01
Change in Working Capital	0.30	-0.46	2.27	-0.86	0.50	-2.23	0.52	0.42	-0.37
Change in Accounts Receivable	-0.07	0.04	-0.73	-0.82	1.08	-1.62	0.04	0.11	-0.49
Change in Accounts Payable	0.55	-0.34	3.07	0.05	-0.49	-0.53	0.55	0.30	0.11
Change in Other Working Capital	-2.16	-3.16	-1.41	-0.08	0.34	-0.09	-0.07	0.00	0.00
Other Operating Activities	-0.63	-3.16	-0.78	-4.06	0.34	-7.35	-3.72	-4.41	-1.38
Net Cash from Operating Activities	3.19	2.69	6.29	5.21	9.94	-1.37	4.89	7.98	7.52
Investing Activities
Capital Expenditures	-1.12	-1.71	-1.38	-2.08	-1.24	-1.33	-2.82	-2.14	-2.71
Acquisitions	0.00	0.00	0.00	0.00	40.43	0.00	0.00	0.00	0.00
Purchases of Investments	-70.39	-22.80	-29.23	-69.31	-77.85	-45.88	-20.34	-51.17	-43.46
Sales/Maturities of Investments	47.76	33.49	40.52	24.08	46.45	41.20	29.94	29.42	32.84
Other Investing Activities	1.91	-32.07	0.39	-8.97	1.21	-89.31	-19.80	26.59	-6.90
Net Cash from Investing Activities	11.07	-23.10	-39.99	-56.28	-0.49	-95.32	-13.02	2.69	-20.23
Financing Activities
Debt Repayment	-13.54	-17.38	-17.80	65.53	-44.21	13.41	-11.84	-7.56	37.02
Common Stock Issued	0.01	0.00	0.09	0.00	0.06	0.00	0.00	0.00	0.00
Common Stock Repurchased	0.00	-1.51	0.00	0.00	0.00	-0.15	-2.55	-2.35	-3.40
Dividends Paid	-1.98	-2.02	-2.06	-1.97	-1.71	-1.72	-1.64	-1.35	-1.11
Other Financing Activities	47.13	42.64	49.95	-30.63	42.18	94.49	11.44	1.29	-19.68
Net Cash from Financing Activities	18.89	24.13	24.77	32.93	0.15	106.03	-4.59	-9.97	12.82
Summary
Net Change in Cash	33.15	3.72	-8.94	-18.14	9.60	9.34	-12.73	0.71	0.12
Cash at Beginning of Period	17.75	14.03	22.96	41.10	31.50	22.17	34.89	34.19	34.07
Cash at End of Period	50.89	17.75	14.03	22.96	41.10	31.50	22.17	34.89	34.19
Free Cash Flow	2.06	0.98	4.91	3.13	8.70	-2.70	2.07	5.84	4.82
Supplemental Disclosures
Interest Paid	-	30.80	21.80	8.45	8.05	-	-	-	-
Income Taxes Paid	-	-1.10	0.63	1.10	0.20	-	-	-	-

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 Cash Flow

What is AmeriServ Financial's free cash flow?

AmeriServ Financial generated free cash flow of $2.06M in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of $3.19M minus $1.12M of capital expenditures. That was up 111.4% from $976.00K a year earlier. Free cash flow equaled 3.5% of revenue.

How much does AmeriServ Financial spend on capital expenditures?

AmeriServ Financial spent $1.12M on capital expenditures in fiscal 2025, compared with $1.71M a year earlier. That equals 35.3% of operating cash flow.

Does AmeriServ Financial pay dividends or buy back shares?

Yes. In fiscal 2025 AmeriServ Financial returned $1.98M in dividends to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition