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AMERISERV FINANCIAL INC /PA/

ASRV

$4.79 ▲ +0.20 (+4.24%) at close

18 Visible periods

35 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Fair

Neutral

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Analytical Summary

AMERISERV FINANCIAL INC /PA/ shows mixed fundamentals. Consider comparing against peers in the Financials sector before making investment decisions.

Market Cap $79.1M

Dividend Yield 2.51%

Revenue Growth None

Op. Margin None

ROIC None

FCF / Share None

Trailing P/E 14.1x

Price / Book 0.7x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 6, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$57.26M

↑ +0.7% —

Net Income Profit after all expenses

$5.61M

↑ +55.8% —

Operating Margin Operating profit as % of sales

16.1%

↑ +4.1% —

Health Breakdown

Returns ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.12 Latest / share

+0.0% YoY

+10.5% 12-yr CAGR

$0.04

FY 2014

$0.04

FY 2015

$0.05

FY 2016

$0.06

FY 2017

$0.07

FY 2018

$0.10

FY 2019

$0.10

FY 2020

$0.10

FY 2021

$0.12

FY 2022

$0.12

FY 2023

$0.12

FY 2024

$0.12

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	—	—	—	0.7% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-88%)	8.0% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+33%)	4.8% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-19%)	1.0% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-83%)	-1.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-116%)	2.9% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-51%)	-3.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-161%)	4.7% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-22%)	-0.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-108%)	3.1% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-48%)	2.8% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-53%)	-1.0% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-116%)	-0.1% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-102%)	—	—
EPS Growth YoY (%)	61.9% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	7.3% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	51.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-22.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-18.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	138.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	50.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-61.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	106.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-42.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	23.8% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	-12.5% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	2300.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	—	—
Net Income Growth YoY (%)	55.8% Excellent Excellent Year-over-year change in net income	N/M	N/M	5.3% Fair ↑ Fair Improving Year-over-year change in net income	53.8% Excellent ↑ Excellent Improving Year-over-year change in net income	-23.7% Weak ↓ Weak Declining Year-over-year change in net income	-22.4% Weak ↓ Weak Declining Year-over-year change in net income	135.9% Excellent ↑ Excellent Improving Year-over-year change in net income	42.6% Excellent ↑ Excellent Improving Year-over-year change in net income	-61.5% Weak ↓ Weak Declining Year-over-year change in net income	98.4% Excellent ↑ Excellent Improving Year-over-year change in net income	-41.8% Weak ↓ Weak Declining Year-over-year change in net income	3.1% Caution ↓ Caution Declining Year-over-year change in net income	-22.9% Weak Weak Year-over-year change in net income	409.9% Excellent Excellent Year-over-year change in net income	N/M	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	—	—	—	4.5% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	4.6% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	1.6% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	1.0% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-0.6% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	1.3% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	0.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	2.4% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	1.8% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	1.6% Weak Weak Compound annual revenue growth over 3 years	0.6% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	—	—	—	2.7% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	3.1% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	0.8% Weak → Weak Stable Compound annual revenue growth over 5 years	0.8% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	0.5% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	1.3% Caution → Caution Stable Compound annual revenue growth over 5 years	1.2% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	1.8% Caution Caution Compound annual revenue growth over 5 years	0.9% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-8.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-20.0% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	—	7.9% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	-1.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	14.5% Good ↓ Good Declining Compound annual EPS growth over 3 years	42.9% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	11.5% Good ↑ Good Improving Compound annual EPS growth over 3 years	6.3% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	-22.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	13.9% Good ↓ Good Declining Compound annual EPS growth over 3 years	-14.5% Weak Weak Compound annual EPS growth over 3 years	196.2% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	—	—	—	16.1% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-36%)	15.4% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-38%)	11.0% Caution Caution Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-56%)	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	17.4% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.1% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.7% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.1% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.4% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.9% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	—	—	—	13.0% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-41%)	12.4% Fair → Fair Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-43%)	8.7% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-60%)	12.0% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-45%)	15.6% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-29%)	6.6% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-70%)	4.7% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-78%)	11.8% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-46%)	6.3% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-72%)	10.7% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-51%)	10.7% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-51%)	14.3% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-35%)	2.8% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-87%)	-10.6% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-148%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	4.7% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-61%)	3.4% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-72%)	-3.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-127%)	7.0% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-42%)	6.1% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-49%)	4.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-63%)	6.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-49%)	7.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-34%)	3.5% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-71%)	2.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-80%)	5.0% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-58%)	2.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-78%)	4.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-62%)	4.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-62%)	5.8% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-52%)	1.2% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-90%)	-4.6% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-138%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	—	0.14x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-89%)	0.40x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-67%)	0.83x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-30%)	—	0.24x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-80%)	0.23x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-81%)	0.42x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-65%)	0.52x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-57%)	—	—	—	—	—	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	—	—	—	$3.35	$3.33	$3.09	$2.89	$2.77	$2.71	$2.58	$2.68	$2.57	$2.57	$2.40	$2.16	$2.18	$2.19	—
Basic EPS, GAAP (USD)	$0.34	$0.21	$-0.20	$0.44	$0.41	$0.27	$0.35	$0.43	$0.18	$0.12	$0.31	$0.15	$0.26	$0.21	$0.24	$0.01	$-0.29	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.12	$0.12	$0.12	$0.12	$0.10	$0.10	$0.10	$0.07	$0.06	$0.05	$0.04	$0.04	$0.03	$0.00	$0.00	$0.00	$0.00	—
Book Value per Share (USD)	$7.22	$6.49	$5.96	$6.20	$6.82	$6.12	$5.78	$5.56	$5.25	$5.05	$6.30	$6.09	$6.03	$5.76	$5.37	$5.04	$5.07	—
Tangible Book Value per Share (USD)	$6.40	$5.67	$5.17	$5.41	$6.03	$5.42	$5.08	$4.88	$4.59	$4.41	$5.67	$5.45	$5.36	$5.11	$4.77	$4.43	$5.07	—
Basic Weighted Avg Shares (shares)	16.52M	16.80M	17.14M	17.11M	17.07M	17.05M	17.36M	17.93M	18.50M	18.90M	18.86M	18.79M	18.94M	19.68M	21.18M	21.22M	21.17M	—
Dividend Payout Ratio (%)	35.3% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	57.1% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	-60.0% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	26.1% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	24.4% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	37.0% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	27.1% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	17.4% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	33.3% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	41.7% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	12.9% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	26.7% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	11.5% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	0.0% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	0.0% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	0.0% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	0.0% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$119.31M	$107.25M	$102.28M	$106.18M	$116.55M	$104.40M	$98.61M	$97.98M	$95.10M	$95.39M	$118.97M	$114.41M	$113.31M	$110.47M	$112.35M	$107.06M	$107.25M	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	—	—	—	$57.26M	$56.84M	$52.64M	$50.22M	$49.72M	$50.21M	$48.77M	$50.63M	$48.37M	$48.60M	$47.15M	$45.85M	$46.31M	$46.36M	—
Depreciation Expense (USD)	$1.70M	$1.70M	$1.70M	$1.70M	$1.70M	$1.60M	$1.50M	$1.50M	$1.70M	$1.80M	$1.80M	$1.80M	$1.70M	$1.50M	$1.50M	$1.50M	—	—
Net Income, GAAP (USD)	$5.61M	$3.60M	$-3.35M	$7.45M	$7.07M	$4.60M	$6.03M	$7.77M	$3.29M	$2.31M	$6.00M	$3.02M	$5.19M	$5.04M	$6.54M	$1.28M	$-4.89M	—
Operating Cash Flow (USD)	$3.19M	$2.69M	$6.29M	$5.21M	$9.94M	$-1.37M	$4.89M	$7.98M	$7.52M	$6.67M	—	—	—	$3.21M	$10.79M	$2.73M	$-1.61M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	—	—	—	3.0%	2.9%	2.8%	3.0%	3.1%	3.0%	3.0%	3.1%	3.1%	3.1%	3.2%	3.3%	3.4%	—	—
Efficiency Ratio (%) (%)	—	—	—	83.8%	82.6%	84.4%	83.3%	82.3%	81.2%	85.3%	81.1%	89.7%	86.9%	86.2%	87.3%	85.7%	84.5%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 18 years · 67 quarters

AMERISERV FINANCIAL INC /PA/

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