Ameriserv Financial Inc /Pa/ASRV
What Ameriserv Financial Inc /Pa/ does.
AmeriServ Financial, Inc. (the Company) is a bank holding company organized under the Pennsylvania Business Corporation Law. The Company became a holding company upon acquiring all of the outstanding shares of AmeriServ Financial Bank (the Bank) in January 1983. When used in this report, the “Company” may refer, depending on the context, to AmeriServ Financial, Inc. individually or AmeriServ Financial, Inc. and its direct subsidiary.
The Company’s principal activities consist of owning and operating its wholly owned subsidiary entity. At December 31, 2025, the Company had, on a consolidated basis, total assets, deposits, and shareholders’ equity of $1.5 billion, $1.2 billion, and $119.3 million, respectively. The Company and its subsidiary derive substantially all of their income from banking, bank related services, and trust and wealth management related services. The Company functions primarily as a coordinating and servicing unit for its subsidiary entity in general management, accounting and taxes, loan review, internal audit, investment accounting, marketing and risk management.
As a bank holding company, the Company is subject to supervision and regular examination by the Federal Reserve Bank of Philadelphia and the Pennsylvania Department of Banking and Securities (PDB). The Company is also under the jurisdiction of the Securities and Exchange Commission (SEC) for matters relating to registered offerings and sales of its securities under the Securities Act of 1933, as amended, and the disclosure and regulatory requirements of the Securities Exchange Act of 1934, as amended. The Company’s common stock is listed on The NASDAQ Stock Market under the trading symbol “ASRV,” and the Company is subject to the NASDAQ rules applicable to listed companies.
Revenue and profit, by fiscal year.
| Fiscal year | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| Revenue | $12.8M | $15.0M | $14.7M | $14.5M | $15.6M | $14.6M |
| Net income | $4.6M | $7.1M | $7.4M | -$3.3M | $3.6M | $5.6M |
| Free cash flow | -$2.7M | $8.7M | $3.1M | $4.9M | $976,000 | $2.1M |
More on ASRV.
- Ameriserv Financial Inc /Pa/ summary
- Ameriserv Financial Inc /Pa/ financial statements
- Ameriserv Financial Inc /Pa/ key metrics
- Ameriserv Financial Inc /Pa/ health scores and style box
- Ameriserv Financial Inc /Pa/ earnings
- Ameriserv Financial Inc /Pa/ dividends
- Ameriserv Financial Inc /Pa/ valuation
- Ameriserv Financial Inc /Pa/ ownership and insiders
- Ameriserv Financial Inc /Pa/ peers
Figures from Ameriserv Financial Inc /Pa/'s filings with the U.S. SEC, standardised automatically; prices are end-of-day closes. Not financial advice.