/
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.
53.38% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue declined 28.7% YoY. For a bank, this often signals contracting loan book or reduced fee income.
Traditional FCF and operating-margin metrics are not meaningful for financial institutions. Evaluate using net interest margin, credit quality, and capital ratios instead.
Profitability & Returns
Revenue (TTM)
$10M
▼ -28.7% YoY
Net Income (TTM)
$5M
▲ +55.8% YoY
Net Margin
53.17%
P/E
—
Balance Sheet
Total Assets
$1.47B
Equity
$121M
Total Debt
$4M
Cash & Equiv.
$54M
5Y CAGR: +0.1%
Continue Research