# AmeriServ Financial Inc. (ASRV)

**Exchange:** NASDAQ  
**Sector:** Financial Services  
**Market cap:** $64M  
**Price:** $3.85 (+1.99%)

> AmeriServ Financial Inc. is a bank holding company that provides consumer, mortgage, and commercial financial products and services through its subsidiaries. It operates primarily through three segments: Community Banking, Wealth Management, and Investment or Parent. The Community Banking segment encompasses retail and commercial banking activities, including deposit services via a branch network, residential mortgage loans, direct consumer loans, small business commercial loans, commercial real estate loans, and business services. The Wealth Management segment manages operations of a trust company, an investment advisory firm called West Chester Capital Advisors, and financial services. The Investment or Parent segment handles investment securities, borrowing activities, and general corporate expenses. AmeriServ Financial Inc. focuses on serving individuals, small businesses, and commercial clients in its regional markets. Founded in 1983 and headquartered in Johnstown, Pennsylvania, it plays a key role in community-oriented banking and wealth management services.

## Income Statement (Annual, USD)

| Fiscal Year | Revenue | Gross Profit | Operating Income | Net Income | EPS (dil.) |
| --- | --- | --- | --- | --- | --- |
| 2025 | $15M | — | — | $6M | — |
| 2024 | $16M | — | — | $4M | — |
| 2023 | $14M | — | — | -$3M | — |
| 2022 | $15M | — | — | $7M | — |
| 2021 | $15M | — | — | $7M | — |
| 2020 | $13M | — | — | $5M | — |
| 2019 | $13M | — | — | $6M | — |
| 2018 | $13M | — | — | $8M | — |
| 2017 | $44M | — | — | $3M | — |
| 2016 | $42M | — | — | $2M | — |
| 2015 | $42M | — | — | $6M | — |
| 2014 | $40M | — | — | $3M | — |
| 2013 | $39M | — | — | $5M | — |
| 2012 | $40M | — | — | $5M | — |
| 2011 | $42M | — | — | $7M | — |

## Balance Sheet (Annual, USD)

| Fiscal Year | Total Assets | Total Liabilities | Equity | Cash | Long-term Debt |
| --- | --- | --- | --- | --- | --- |
| 2025 | $1.45B | $1.33B | $119M | — | — |
| 2024 | $1.42B | $1.32B | $107M | — | — |
| 2023 | $1.39B | $1.29B | $102M | $14M | — |
| 2022 | $1.36B | $1.26B | $106M | $23M | — |
| 2021 | $1.34B | $1.22B | $117M | $41M | — |
| 2020 | $1.28B | $1.18B | $104M | $32M | — |
| 2019 | $1.17B | $1.07B | $99M | $22M | — |
| 2018 | $1.16B | $1.06B | $98M | $35M | — |
| 2017 | $1.17B | $1.07B | $95M | $34M | — |
| 2016 | $1.15B | $1.06B | $95M | $34M | — |
| 2015 | $1.15B | $1.03B | $119M | $49M | — |
| 2014 | $1.09B | $975M | $114M | $33M | — |
| 2013 | $1.06B | $943M | $113M | $30M | — |
| 2012 | $1.00B | $891M | $110M | $27M | — |
| 2011 | $979M | $867M | $112M | $35M | — |

## Cash Flow (Annual, USD)

| Fiscal Year | Operating Cash Flow | CapEx | Free Cash Flow |
| --- | --- | --- | --- |
| 2025 | $3M | — | — |
| 2024 | $3M | — | — |
| 2023 | $6M | — | — |
| 2022 | $5M | — | — |
| 2021 | $10M | — | — |
| 2020 | -$1M | — | — |
| 2019 | $5M | — | — |
| 2018 | $8M | — | — |
| 2017 | $8M | — | — |
| 2016 | $7M | — | — |
| 2015 | $10M | — | — |
| 2012 | $3M | — | — |
| 2011 | $11M | — | — |
| 2010 | $3M | — | — |
| 2009 | -$2M | — | — |

Source: [CompaniesByCap](https://companiesbycap.com/company/ASRV)