Ameriserv Financial Inc /Pa/
ASRV Nasdaq· National Commercial Banks
Last close · Oct 23, 2026
$4.77
KIRA · Stoqly’s AI analyst, in plain words
- Ameriserv Financial Inc /Pa/ had $14.6M of revenue in fiscal 2025, down 6.3% on the year before. Over five years, revenue changed +2.7% a year on average.
- Ameriserv Financial Inc /Pa/ made $5.6M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 12.3% a year.
- Ameriserv Financial Inc /Pa/ returned $2.0M to shareholders in fiscal 2025. The diluted share count fell 1.6%.
- It earned 5.0% on shareholders’ money. Running costs took 330.3% of revenue (the efficiency ratio; lower is better).
Market cap
$80.9M
P/E
9.4x
Revenue
$14.6M
Net income
$5.6M
Return on equity
5.0%
Efficiency ratio
330.3%
Ameriserv Financial Inc /Pa/ in 30 seconds · fiscal 2025
Are sales growing?
−6.3%
No. Sales fell 6.3% last year.
Does it make a profit?
38.3%
Yes. It keeps 38.3% of every sale as profit.
How lean are its costs?
330.3%
Costly. Running costs take 330.3% of revenue.
How much does it earn on its capital?
5.0%
Low. It earns 5.0% a year on shareholders’ money.
How is the share priced?
9.4x
One share costs 9.4 times its yearly profit per share.
What Ameriserv Financial Inc /Pa/ does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 18, 2026
- Legal name
- AMERISERV FINANCIAL INC /PA/
- CIK
- 0000707605
Ameriserv Financial Inc /Pa/ · ASRV
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $15.0M | $14.7M | $14.5M | $15.6M | $14.6M |
| Revenue growth | 16.7% | −1.5% | −1.7% | 7.8% | −6.3% |
| Net interest income | $39.1M | $40.6M | $36.0M | $35.2M | $38.1M |
| Net income | $7.1M | $7.4M | −$3.3M | $3.6M | $5.6M |
| Net margin | 47.2% | 50.5% | −23.1% | 23.1% | 38.3% |
| Diluted EPS | $0.41 | $0.43 | −$0.20 | $0.21 | $0.34 |
| Cash | |||||
| Cash from operations | $9.9M | $5.2M | $6.3M | $2.7M | $3.2M |
| Dividends paid | $1.7M | $2.0M | $2.1M | $2.0M | $2.0M |
| Share buybacks | — | — | — | $1.5M | — |
| Share count change | 0.3% | 0.2% | −0.0% | −2.0% | −1.6% |
| Debt and strength | |||||
| Cash and short-term investments | $41.1M | $23.0M | $14.0M | $17.7M | $50.9M |
| Debt incl. finance leases | $2.9M | $91.3M | $43.7M | $17.3M | — |
| Loans, net | $973M | $980M | $1.0B | $1.1B | $1.0B |
| Deposits | $1.1B | $1.1B | $1.2B | $1.2B | $1.2B |
| Shareholders' equity | $117M | $106M | $102M | $107M | $119M |
| Returns and quality | |||||
| Return on equity | 6.4% | 6.7% | −3.2% | 3.4% | 5.0% |
| Return on tangible equity | 6.9% | 8.1% | −3.8% | 3.8% | 5.3% |
| Efficiency ratio | 313.8% | 325.7% | 340.6% | 312.0% | 330.3% |
| Piotroski F-score | 6 | 3 | 4 | 6 | — |
Insiders bought, 12 months
$0.0M
1 insider
Insiders sold, 12 months
$0.0M
1 insider
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Ameriserv Financial Inc /Pa/ · ASRV
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $4.77 a share, the company is worth $80.9M: 9.4 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000707605). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.