AMERISERV FINANCIAL INC /PA/
About AMERISERV FINANCIAL INC /PA/
AmeriServ Financial Inc is a bank holding company. The company and its subsidiaries derive substantially all of their income from banking, bank-related services, and trust-related services. Its operating segment includes community banking and it generates maximum revenue. The community banking segment includes both retail and commercial banking activities. The company also offers retail banking which includes the deposit-gathering branch franchise and lending to both individuals and small businesses; Lending activities include residential mortgage loans, direct consumer loans, and small business commercial loans; Commercial banking to businesses includes commercial loans, business services, and CRE loans.
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Financial summary
- Revenue FY2025
- $14.6M
- Net income
- $5.6M
- Total assets
- $1.5B
- Market cap
- $63.4M
- Operating margin
- 46.4%
- Net margin
- 38.3%
Source: SEC EDGAR · updated Jun 7, 2026
Revenue & profit trend
Financial statements
Income statement
- Revenue
- $14.6M
- Operating expenses
- $7.8M
- Operating income
- $6.8M
- Income tax
- $1.2M
- Net income
- $5.6M
- EPS (basic)
- $0.34
- EPS (diluted)
- $0.34
Balance sheet
- Total assets
- $1.5B
- Current assets
- $1.5B
- Total liabilities
- $1.3B
- Current liabilities
- $1.3B
- Shareholders’ equity
- $119.3M
Cash flow
- Operating cash flow
- $3.2M
- Investing cash flow
- $11.1M
- Financing cash flow
- $18.9M
- Net cash flow
- $33.1M
Statements via Polygon.io (SEC filings)
15-minute delayed · data by Polygon.io
Past year
52-week range
- Market cap
- $63.4M
- P/E ratio
- 10.8
- EPS (diluted)
- $0.34
- Dividend yield
- 3.26%
- Shares outstanding
- 17.2M
- Open
- —
- Day range
- –
- Prev close
- —
- Volume
- —
- IPO date
- Jan 30, 1985
Market data by Polygon.io · prices are 15-minute delayed
At a glance
- Profitable — net income of $5.6M in FY2025.
- Revenue declined 2% from FY2021 to FY2025.
- Trading 9% below its 52-week high.
- Pays a dividend yielding about 3.26% annually.
- Valued at a price-to-earnings (P/E) ratio of 10.8.
Automatically generated from public filings and market data. Informational only — not investment advice or a recommendation to buy or sell any security.
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