ASRV
AmeriServ Financial Inc
NASDAQ: ASRV · FINANCIAL SERVICES · BANKS - REGIONAL
$3.96
+4.21% today
Updated 2026-04-30
Market cap
$65.99M
P/E ratio
11.79
P/S ratio
1.19x
EPS (TTM)
$0.33
Dividend yield
3.05%
52W range
$2 – $4
Volume
0.0M
AmeriServ Financial Inc (ASRV) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $59.41M | $64.09M | $64.24M | $61.38M | $58.80M | $55.53M | $54.86M | $55.09M | $54.76M | $57.15M | $56.51M | $59.00M | $61.32M | $64.54M | $63.16M | $64.43M | $65.75M | $77.25M | $84.48M | $88.34M |
| Revenue growth (YoY) | — | +7.9% | +0.2% | -4.5% | -4.2% | -5.6% | -1.2% | +0.4% | -0.6% | +4.4% | -1.1% | +4.4% | +3.9% | +5.3% | -2.1% | +2.0% | +2.0% | +17.5% | +9.4% | +4.6% |
| Cost of revenue | $21.96M | $25.46M | $21.63M | $30.17M | $17.74M | $6.11M | $6.94M | $5.38M | $6.77M | $7.77M | $11.69M | $9.60M | $11.00M | $15.13M | $12.89M | $8.69M | $8.54M | $32.27M | $31.34M | $33.21M |
| Gross profit | $37.44M | $38.63M | $42.62M | $31.21M | $41.06M | $49.43M | $47.92M | $49.70M | $47.99M | $49.38M | $44.82M | $49.41M | $50.32M | $49.41M | $50.27M | $55.74M | $57.20M | $44.98M | $53.14M | $55.13M |
| Gross margin | 63.0% | 60.3% | 66.3% | 50.8% | 69.8% | 89.0% | 87.4% | 90.2% | 87.6% | 86.4% | 79.3% | 83.7% | 82.1% | 76.6% | 79.6% | 86.5% | 87.0% | 58.2% | 62.9% | 62.4% |
| R&D | — | — | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — | — |
| SG&A | $18.67M | $19.34M | $25.56M | $24.69M | $24.17M | $24.84M | $25.70M | $26.54M | $26.36M | $25.44M | $24.96M | $25.22M | $25.59M | $26.13M | $28.59M | $28.50M | $29.01M | $30.34M | $29.41M | $33.48M |
| Operating income | $2.75M | $3.96M | $6.98M | $-7.95M | $1.36M | $9.39M | $7.28M | $7.48M | $4.62M | $8.34M | $3.21M | $8.68M | $9.45M | $7.60M | $5.81M | $8.77M | $9.20M | $-4.39M | $4.40M | $6.80M |
| Operating margin | 4.6% | 6.2% | 10.9% | -12.9% | 2.3% | 16.9% | 13.3% | 13.6% | 8.4% | 14.6% | 5.7% | 14.7% | 15.4% | 11.8% | 9.2% | 13.6% | 14.0% | -5.7% | 5.2% | 7.7% |
| EBITDA | $5.52M | $6.20M | $8.91M | $-6.25M | $2.86M | $10.87M | $8.80M | $9.16M | $6.46M | $10.13M | $5.01M | $10.35M | $10.97M | $9.47M | $7.81M | $10.81M | $11.30M | $-2.31M | $6.48M | $6.80M |
| EBITDA margin | 9.3% | 9.7% | 13.9% | -10.2% | 4.9% | 19.6% | 16.0% | 16.6% | 11.8% | 17.7% | 8.9% | 17.5% | 17.9% | 14.7% | 12.4% | 16.8% | 17.2% | -3.0% | 7.7% | 7.7% |
| EBIT | $2.75M | $3.96M | $6.98M | $-7.95M | $1.36M | $9.39M | $7.28M | $7.48M | $4.62M | $8.34M | $3.21M | $8.68M | $9.45M | $7.60M | $5.81M | $8.77M | $9.20M | $-4.39M | $4.40M | — |
| Interest expense | $22.09M | $25.16M | $18.70M | $15.02M | $12.49M | $9.68M | $7.71M | $6.48M | $6.40M | $6.52M | $7.74M | $8.79M | $11.60M | $14.32M | $10.52M | $7.59M | $8.49M | $24.84M | $30.46M | $29.09M |
| Income tax | $420000.00 | $924000.00 | $1.47M | $-3.05M | $80000.00 | $2.85M | $2.24M | $2.29M | $1.60M | $2.34M | $897000.00 | $5.39M | $1.68M | $1.57M | $1.21M | $1.70M | $1.75M | $-1.04M | $798000.00 | $1.18M |
| Effective tax rate | 15.3% | 23.3% | 21.1% | 38.4% | 5.9% | 30.4% | 30.8% | 30.6% | 34.6% | 28.1% | 28.0% | 62.1% | 17.8% | 20.7% | 20.9% | 19.4% | 19.1% | 23.7% | 18.1% | 17.4% |
| Net income | $2.33M | $3.03M | $5.51M | $-4.89M | $1.28M | $6.54M | $5.04M | $5.19M | $3.02M | $6.00M | $2.31M | $3.29M | $7.77M | $6.03M | $4.60M | $7.07M | $7.45M | $-3.35M | $3.60M | $5.61M |
| Net income growth (YoY) | — | +30.1% | +81.6% | -188.9% | +126.2% | +409.9% | -22.9% | +3.1% | -41.8% | +98.4% | -61.5% | +42.6% | +135.9% | -22.4% | -23.7% | +53.8% | +5.3% | -144.9% | +207.6% | +55.8% |
| Profit margin | 3.9% | 4.7% | 8.6% | -8.0% | 2.2% | 11.8% | 9.2% | 9.4% | 5.5% | 10.5% | 4.1% | 5.6% | 12.7% | 9.3% | 7.3% | 11.0% | 11.3% | -4.3% | 4.3% | 6.4% |