What is AmeriServ Financial's net margin?

AmeriServ Financial (ASRV) reported net margin of 37.2% in Q1 2026.

How has AmeriServ Financial's net margin changed year-over-year?

AmeriServ Financial's net margin increased by 55.2% year-over-year, from 24% to 37.2%.

What is the long-term trend for AmeriServ Financial's net margin?

Over 5 years (2020 to 2025), AmeriServ Financial's net margin has grown at a 34.4% compound annual growth rate (CAGR), from 8.7% to 38.3%.

What does net margin mean?

Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.

AmeriServ Financial ASRV Net margin

Net margin at other companies

F.N.B. CorporationFNB

32.4%+3.7pp

PNC Financial ServicesPNC

30.5%+2.6pp

STB

S&T BancorpSTBA

33.1%-1.9pp

FRA

Franklin Financial Services CorporationFRAF

25.9%+10.0pp

Eagle Financial ServicesEFSI

1,354,533.3%+1,332,318pp

Provident Financial ServicesPFS

34.6%+15.9pp

Other financials

Income statement

See full

Revenue$3.6M+4.1%

Net income$1.8M-6.0%

EPS (diluted)$0.11-8.3%

Balance sheet

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Cash & equivalents$54.1M+129%

Total debt$3.8M-73.7%

Total equity$120.7M+9.0%

Total assets$1.5B+2.9%

Cash flow

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Operating cash flow$356.0K-40.6%

CapEx$400.0K+715%

Free cash flow-$44.0K-108%

Valuation

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Market cap$65.82M+34.2%

Enterprise value$15.55M-49.6%

P/E12×-1.3×

P/S4.5×+1.1×

Profitability

See full

FCF margin11%-17.6pp

Returns & leverage

See full

Return on equity4.8%+1.4pp

Debt / equity0×-0.1×

Where this comes from

Calculated from AmeriServ Financial’s reported figures.

net income/total revenue=37.2%

Based on trailing twelve months.

The official record: AmeriServ Financial’s 10-Q, filed May 14, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is AmeriServ Financial's net margin?: AmeriServ Financial (ASRV) reported net margin of 37.2% in Q1 2026.
How has AmeriServ Financial's net margin changed year-over-year?: AmeriServ Financial's net margin increased by 55.2% year-over-year, from 24% to 37.2%.
What is the long-term trend for AmeriServ Financial's net margin?: Over 5 years (2020 to 2025), AmeriServ Financial's net margin has grown at a 34.4% compound annual growth rate (CAGR), from 8.7% to 38.3%.
What does net margin mean?: Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.