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AmeriServ Financial, Inc.
AmeriServ Financial, Inc. Score & Ratio Trend
| Date | Score | P/E | P/B | D/E | Price |
|---|---|---|---|---|---|
| Oct 2026 | 21,797 | 8.9 | 0.63 | 0.63 | 432.01 |
| Oct 2026 | 21,887 | 8.7 | 0.61 | 0.63 | 423.53 |
| Oct 2026 | 21,807 | 8.9 | 0.63 | 0.63 | 430.01 |
| Oct 2026 | 21,967 | 8.6 | 0.60 | 0.63 | 415.30 |
| Oct 2026 | 21,677 | 9.2 | 0.64 | 0.63 | 442.79 |
| Oct 2026 | 21,628 | 8.7 | 0.65 | 0.63 | 446.43 |
| Oct 2026 | 21,577 | 8.8 | 0.66 | 0.63 | 450.24 |
| Oct 2026 | 21,577 | 8.8 | 0.66 | 0.63 | 452.11 |
AmeriServ Financial, Inc. Quarterly Results
| Line Item | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 |
|---|---|---|---|---|
| Revenue | 15,903,000.0 | 14,795,000.0 | 15,302,000.0 | 15,408,000.0 |
| Net Profit | 2,738,000.0 | 1,794,000.0 | 1,442,000.0 | 2,544,000.0 |
| EPS | 0.2 | 0.1 | 0.1 | 0.1 |
AmeriServ Financial, Inc. Revenue & Profit: Last 5 Years
| Line Item | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
| Revenue | 59,252,000.0 | 54,023,000.0 | 52,409,000.0 | 57,255,000.0 | — |
| Net Profit | 5,612,000.0 | 3,601,000.0 | -3,346,000.0 | 7,448,000.0 | — |
| EPS | 0.3 | 0.2 | -0.2 | 0.4 | — |
AmeriServ Financial, Inc. Balance Sheet
| Line Item | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
| Total Assets | 1,453,813,000.0 | 1,422,362,000.0 | 1,389,638,000.0 | 1,363,874,000.0 | — |
| Total Liabilities | 1,334,501,000.0 | 1,315,114,000.0 | 1,287,361,000.0 | 1,257,696,000.0 | — |
| Total Equity | 119,312,000.0 | 107,248,000.0 | 102,277,000.0 | 106,178,000.0 | — |
Owes vs Owns
AmeriServ Financial, Inc. owed $0.92 for every $1 it owned in Jun 2026, down from $0.92 in Dec 2022.
| Period | Jun 2026 | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 |
|---|---|---|---|---|---|
| Owes vs Owns | 0.92× | 0.92× | 0.92× | 0.93× | 0.92× |
Everything the company owes ÷ everything it owns. Below 1× it owns more than it owes; above 1× it owes more than it owns.
AmeriServ Financial, Inc. Assets & Liabilities Breakdown (USD millions)
What it owns — Dec 2025
Cash & short-term investments 4.2%Fixed assets (tangible) 1.2%Intangible assets 0.9%Long-term investments 17.6%Other assets 75.6%
How it's funded — Dec 2025
Long-term debt 4.9%Other liabilities 86.9%Shareholders' equity 8.2%
| Line Item | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 |
|---|---|---|---|---|
| Assets | ||||
| Cash & short-term investments | 61.7 | 173.4 | 179.7 | 202.5 |
| Receivables | 5.6 | 5.5 | 5.5 | 4.8 |
| Inventory | 0.0 | 0.0 | 0.0 | 0.0 |
| Fixed assets (tangible) | 17.4 | 18.1 | 17.2 | 17.5 |
| Intangible assets | 13.7 | 13.7 | 13.7 | 13.7 |
| Long-term investments | 255.7 | 219.5 | 229.7 | 241.4 |
| Other assets | 1,099.7 | 992.3 | 943.8 | 884.0 |
| Liabilities & equity | ||||
| Short-term debt | 0.0 | 14.6 | 41.0 | 88.6 |
| Long-term debt | 71.4 | 82.8 | 71.2 | 46.4 |
| Payables | 0.0 | 0.0 | 0.0 | 0.0 |
| Other liabilities | 1,263.1 | 1,217.7 | 1,175.2 | 1,122.6 |
| Shareholders' equity | 119.3 | 107.2 | 102.3 | 106.2 |
| Net tangible assets | 105.6 | 93.6 | 88.6 | 92.4 |
AmeriServ Financial, Inc. Cash Flow
| Line Item | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
| Operating Activities | 3,187,000.0 | 2,687,000.0 | 6,288,000.0 | 5,209,000.0 | — |
| Investing Activities | 11,070,000.0 | -23,099,000.0 | -39,994,000.0 | -56,281,000.0 | — |
| Financing Activities | 18,888,000.0 | 24,131,000.0 | 24,771,000.0 | 32,933,000.0 | — |