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ASRV · Nasdaq · United States · National Commercial Banks
In shortAMERISERV FINANCIAL INC /PA/ is profitable.
Financial health
Mixed
Built from five areas over the last five annual reports. Tap an area to see the figures behind it. Bank or insurer: tests that do not apply to them are left out.
| Operating marginShare of each sale left after running the business, before interest and tax. | – | n/a |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | 38.3% | 100/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 5.0% | 25/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | 21.8% | n/a |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | 0.57× | n/a |
| Years with positive free cash flow (last 5) | 5 of 5 | n/a |
Weight in the score: 20%
| Profitable years (last 5) | 4 of 5 | 80/100 |
|---|---|---|
| Years of revenue decline (last 5) | 3 of 5 | 0/100 |
| Revenue growth volatility | 9.2% | 77/100 |
| Operating margin volatility | – | n/a |
Weight in the score: 20%
| Revenue growth, 3-year average | -0.2% | 15/100 |
|---|---|---|
| EPS growth, 3-year average | -7.5% | 0/100 |
Weight in the score: 10%
Fiscal year 2025 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
5 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 5 fiscal years from the company's annual reports.
USD millions; negative values in parentheses.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | 15 | 15 | 14 | 16 | 15 |
| Interest expense | 7.6 | 8.5 | 25 | 30 | 29 |
| Pre-tax income | 8.8 | 9.2 | (4.4) | 4.4 | 6.8 |
| Income tax | 1.7 | 1.8 | (1) | 0.8 | 1.2 |
| Net income | 7.1 | 7.4 | (3.3) | 3.6 | 5.6 |
| Diluted EPS | $0.41 | $0.43 | −$0.20 | $0.21 | $0.34 |
| Diluted shares (millions) | 17 | 17 | 17 | 17 | 17 |
5 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 8 reported quarters (10-Q and 10-K filings), in USD millions. The fourth quarter is derived from the annual report.
The last 8 quarters of AMERISERV FINANCIAL INC /PA/ are included in the Investor plan. Try free for 7 days →
Not computed: the model does not apply to banks and insurers.
5/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Jun 30, 2026 · Data updated Aug 14, 2026