ASRVNASDAQ

AmeriServ Financial Inc.

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KPI highlights

FY25

Revenue $15M YoY -6.3%

Operating income —

Net income $6M YoY +55.8%

EPS $0.34 YoY +61.9%

P/E —

ROE 4.7% Equity ratio 8% Typical equity ratios vary a lot by industry. Banks, brokerages, and other financial companies tend to run lower ratios because leverage (using other people's capital) is core to their business model — a low ratio there isn't a sign of financial weakness.

Quarterly fundamentals

Income & cash flow Unit: $1M

Quarter	FY24 Q2	FY24 Q3	FY25 Q1	FY25 Q2	FY25 Q3	FY26 Q1
Revenue	3.87	3.88	3.47	3.60	3.66	3.61
Operating income	—	—	—	—	—	—
Net income	-0.38	1.18	1.91	-0.28	2.54	1.79
Operating CF	—	—	0.60	—	—	0.36

Company news

Apr 21, 2026 AMERISERV FINANCIAL REPORTS EARNINGS FOR THE FIRST QUARTER OF 2026 AND ANNOUNCES QUARTERLY COMMON STOCK CASH DIVIDEND Jan 20, 2026 AMERISERV FINANCIAL REPORTS INCREASED EARNINGS FOR THE FOURTH QUARTER AND FULL YEAR OF 2025 AND ANNOUNCES QUARTERLY COMMON STOCK CASH DIVIDEND

Ownership over time

Share of total shares outstanding (disclosed major holdings + undisclosed)（2013–2026）

機関投資家未開示・浮動株

「国内機関」は信託銀行の名義口座（年金・パッシブ・一部海外資本を含む）を集計し、実質保有者へは分解していません。分類は開示名称からの推定です。

Top shareholders — rank & share

Top shareholders — actual figures (as of 2026)

Holder	Shares held	Ratio	Source
GENDELL JEFFREY L	1,635,677	7.7%	13F
GEODE CAPITAL MANAGEMENT, LLC	144,393	0.7%	13F
SCHULHOFF & CO INC	13,000	0.1%	13F
SBI Securities Co., Ltd.	2	0.0%	13F

Source：SEC EDGAR（DEF 14A・13D/G・13F）　Classification inferred from disclosed names

F-Score (Piotroski)

4/9 2 of 9 items lack data

Checks financial health against 9 criteria and shows how many are met as a fraction (more ✓ marks is healthier). Items with no data are shown as “—” — they're simply excluded from judgment, not counted against the score.

✓ Positive ROA ROA 0.4%

✓ Positive operating cash flow $3M

✓ ROA improved YoY 0.3% → 0.4%

✗ Operating CF exceeds net income (accrual quality) OCF $3M / net income $6M

✓ Equity ratio improved* Substitute for the original “decrease in long-term debt” 7.5% → 8.2%

— Current ratio improved No data

✗ No dilution (shares outstanding did not increase) 16,519,267 → 16,522,267

— Gross margin improved No data

✗ Asset turnover improved 0.01× → 0.01×

This score is reference information based on our own financial metrics. It is NOT a credit rating issued by a credit rating agency under Article 66-27 of the Financial Instruments and Exchange Act, and is NOT investment advice or a recommendation. Make investment decisions at your own responsibility.

Fact checklist

FY25

Equity ratio 8.2%

Current ratio —

Years of positive operating CF 11 of last 12 yrs

Payout ratio —

Latest fiscal year result Profit (net income $6M)

Performance history

Last 10 years

Income & assets

Unit: $1M

Item	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Revenue	—	—	12.8	12.8	12.8	15.0	14.7	14.5	15.6	14.6
Operating income	—	—	—	—	—	—	—	—	—	—
Ordinary income	—	—	—	—	—	—	—	—	—	—
Net income	2.31	3.29	7.77	6.03	4.60	7.07	7.45	-3.35	3.60	5.61
Total assets	1,154	1,168	1,161	1,171	1,283	1,336	1,364	1,390	1,422	1,454
Equity	95.4	95.1	98.0	98.6	104	117	106	102	107	119

A “—” means data wasn't available for that period — it's not a display error or an unusual value.

Indicators & cash flow

Unit: $1M

Item	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
EPS	$0.12	$0.18	$0.43	$0.35	$0.27	$0.41	$0.44	$-0.20	$0.21	$0.34
ROE	2.4%	3.5%	7.9%	6.1%	4.4%	6.1%	7.0%	-3.3%	3.4%	4.7%
Operating CF	6.59	7.52	7.98	4.89	-1.37	9.94	5.21	6.29	2.69	3.19
Investing CF	-25.2	-20.2	2.69	-13.0	-95.3	-0.49	-56.3	-40.0	-23.1	11.1
Financing CF	4.15	12.8	-9.97	-4.59	106	0.15	32.9	24.8	24.1	18.9
FCF	—	—	—	—	—	—	—	—	—	—

A “—” means data wasn't available for that period — it's not a display error or an unusual value.

Source: SEC EDGAR (10-K, etc.) (fetched 2026-08-09) *Some metrics supplemented from additional sources

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Data provided by Twelve Data

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Company info

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.

Ticker ASRV

Total assets $1.45B

Equity $119M

Shares outstanding 16,522,267

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