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AmeriServ Financial ASRV Q4 2025 Annual earnings

Reported January 26, 2026

Revenue$22.5M
EPS$0.09

Next report

Oct 20, 2026 (In 2 weeks)

Financials

Q4 2025

Income statement

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Revenue$3.9M+2.4%
Net income$1.4M+62.2%
EPS (diluted)$0.09+80.0%

Balance sheet

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Cash & equivalents$50.9M+187%
Total debt$3.9M-79.2%
Total equity$119.3M+11.2%
Total assets$1.5B+2.2%

Cash flow

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Operating cash flow$1.2M-63.0%
CapEx$477.0K—
Free cash flow$769.0K-78.7%

Valuation & ratios

Valuation

as of 12/31/25
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Market cap$52.71M+19.1%
Enterprise value$5.74M-87.4%
P/E9.4×-2.9×
P/S3.6×+1.8×

Profitability

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Net margin38.3%+24.1pp
FCF margin15%+11.2pp

Returns & leverage

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Return on equity5%+1.5pp
Debt / equity0×-0.1×

Segments

By product

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Asset Management1$3.1M+4.1%
Financial Service Other$538.0K-5.4%
Deposit Account$300.0K+0.7%

Versus estimates

Revenue

Q2 2026$22.7MQ1 2026$21.5M
Q4 2025$22.5M
Q2 2024$16.5M

Diluted EPS

Q2 2026$0.16Q1 2026$0.11
Q4 2025$0.09
Q2 2024-$0.02

FAQ

When did AmeriServ Financial report Q4 2025 earnings?
AmeriServ Financial (ASRV) reported Q4 2025 earnings on January 26, 2026.
What were AmeriServ Financial's Q4 2025 revenue and EPS?
AmeriServ Financial reported revenue of $22.5M and eps of $0.09 for Q4 2025.
Where can I find AmeriServ Financial's Q4 2025 SEC filings?
You can read the 10-K periodic report (0001104659-26-031270) directly on SEC EDGAR. The filing index links above go to sec.gov.