Financials in USD. Standardized financial statements.
A compact view of how AmeriServ Financial, Inc. turns revenue into operating income and net income.
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue? | $88.34M | $84.48M | $77.25M | $65.75M | $64.43M | $63.16M | $64.54M | $61.32M | $59.00M | $56.51M |
| Revenue Growth? | +4.6% | +9.4% | +17.5% | +2.0% | +2.0% | -2.1% | +5.3% | +3.9% | +4.4% | 0.0% |
| Cost of Revenue? | $33.21M | $31.34M | $32.27M | $8.54M | $8.69M | $12.89M | $15.13M | $11.00M | $9.60M | $11.69M |
| Gross Profit? | $55.13M | $53.14M | $44.98M | $57.20M | $55.74M | $50.27M | $49.41M | $50.32M | $49.41M | $44.82M |
| Gross Margin? | +62.4% | +62.9% | +58.2% | +87.0% | +86.5% | +79.6% | +76.6% | +82.1% | +83.7% | +79.3% |
| Operating Expenses? | $48.34M | $48.74M | $49.37M | $48.00M | $46.97M | $44.45M | $41.81M | $40.87M | $40.73M | $41.62M |
| Operating Income? | $6.80M | $4.40M | -$4.39M | $9.20M | $8.77M | $5.81M | $7.60M | $9.45M | $8.68M | $3.21M |
| EBITDA? | $6.80M | $6.48M | -$2.31M | $11.30M | $10.81M | $7.81M | $9.47M | $10.97M | $10.35M | $5.01M |
| Income Before Tax | $6.80M | $4.40M | -$4.39M | $9.20M | $8.77M | $5.81M | $7.60M | $9.45M | $8.68M | $3.21M |
| Income Tax Expense | $1.18M | $798,000 | -$1.04M | $1.75M | $1.70M | $1.21M | $1.57M | $1.68M | $5.39M | $897,000 |
| Net Income? | $5.61M | $3.60M | -$3.35M | $7.45M | $7.07M | $4.60M | $6.03M | $7.77M | $3.29M | $2.31M |
| EPS? | $0.34 | $0.21 | $-0.20 | $0.44 | $0.41 | $0.27 | $0.35 | $0.43 | $0.18 | $0.12 |
| Diluted EPS? | $0.34 | $0.21 | $-0.20 | $0.43 | $0.41 | $0.27 | $0.35 | $0.43 | $0.18 | $0.12 |
Revenue, profitability, margins, EPS, and share-count trends over time.
Top-line demand and scale over time
Profit left after direct production costs
Core business profitability before financing and tax
Bottom-line profit after all expenses
Profit allocated to each diluted share
Share count trend that affects EPS quality
Gross, operating, and net margin quality