ASRV
AmeriServ Financial, Inc.3.1000
-0.0600-1.9%
Dec 16, 4:00:02 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
No earnings call transcript available
Key Stats
Market Cap
51.22MP/E (TTM)
10.33Basic EPS (TTM)
0.30Dividend Yield
0.04%Recent Filings
8-K
Earnings up 62%, dividend declared
AmeriServ Financial reported Q4 2025 net income of $1.4M ($0.09/share), up 62% from 2024, with full-year earnings hitting $5.6M ($0.34/share), a 62% surge fueled by $6.2M net interest income growth and 34-basis-point margin expansion to 3.15% despite higher credit provisions from a major CRE loan resolution. Board declared $0.03/share dividend, payable February 17. Non-performers plunged 43%. Earnings soared.
8-K
Expands SBV consulting, issues 433K shares
AmeriServ Financial amended its consulting agreement with SB Value Partners on January 6, 2026, expanding services beyond wealth management to business development plans, KPIs, and shareholder relations through June 30, 2026, with auto-renewal. In exchange, it issued 350,000 shares to SBV and 83,000 employee incentive shares, boosting SBV's stake to 9.7%, plus $20,000 monthly cash and up to $20,000 employee reimbursements. Shares face transfer locks until late 2027. SBV embeds two senior staff on-site.
10-Q
Q3 FY2025 results
AmeriServ Financial posted Q3 net income of $2.5M, up 115% y/y, with diluted EPS at $0.15 versus $0.07 as net interest income jumped 23.9% y/y to $11.0M on a 56bps margin expansion to 3.27% (derived), fueled by higher loan yields and lower borrowing costs. YTD net income hit $4.2M, up 54% y/y, though provision for credit losses rose to $3.4M from a $0.2M recovery due to CRE charge-downs and reserves. Deposits grew 4.8% q/q to $1.26B, cash swelled to $53.8M, and borrowings fell 22.7M; free cash flow not disclosed in the 10-Q. Equity climbed 6.8% q/q to $114.6M. CRE concentration persists at 366%.
8-K
Earnings surge 115% in Q3
AmeriServ Financial reported Q3 2025 net income of $2.5 million, up 115% from $1.2 million in Q3 2024, driven by net interest income surging 23.9% to $11.0 million on a 56-basis-point margin expansion to 3.27%. Year-to-date earnings hit $4.2 million, a 56.3% rise, fueled by deposit growth and expense cuts, though offset by a $3.4 million credit loss provision from a major charge-off. The board declared a $0.03 per share dividend, payable November 17. Earnings rebounded sharply.
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