AMERISERV FINANCIAL INC /PA/ (ASRV) Financial Statements

Income statement

Metric	TTM	2025	2024	2023	2022
Revenue
Total Revenue	89.5M	88.3M	84.5M	77.2M	65.8M
Cost of Revenue	28.1M	33.2M	31.3M	32.3M	8.5M
Gross Profit	61.3M	55.1M	53.1M	45.0M	57.2M
Operating Expenses
R&D Expense	—	—	—	—	—
SG&A Expense	33.9M	33.5M	29.4M	30.3M	29.0M
General & Admin Expense	33.9M	33.5M	29.4M	30.3M	29.0M
Selling & Marketing Expense	—	—	—	—	—
Other Expenses	16.3M	14.9M	19.3M	19.0M	19.0M
Total Operating Expenses	50.2M	48.3M	48.7M	49.4M	48.0M
Cost and Expenses	78.3M	81.5M	80.1M	81.6M	56.5M
Operating Income (EBIT)	11.1M	6.8M	4.4M	(4.4M)	9.2M
Non-Operating
Interest Income	72.0M	71.4M	66.5M	60.9M	49.1M
Interest Expense	27.5M	29.1M	30.5M	24.8M	8.5M
Net Interest Income	44.5M	42.3M	36.0M	36.0M	40.6M
Other Non-Op Income/Expense	—	—	—	—	—
Non-Operating Income (excl Interest)	—	—	—	—	—
EBT (Pre-Tax Income)	11.1M	6.8M	4.4M	(4.4M)	9.2M
Income Tax Expense	2.0M	1.2M	798.0K	(1.0M)	1.8M
Bottom Line
Net Income	9.1M	5.6M	3.6M	(3.3M)	7.4M
Earnings from Cont. Ops	9.1M	5.6M	3.6M	(3.3M)	7.4M
Earnings from Discont. Ops	—	—	—	—	—
Bottom Line Net Income	9.1M	5.6M	3.6M	(3.3M)	7.4M
Per Share
Basic EPS	$0.54	$0.34	$0.21	($0.20)	$0.44
Diluted EPS	$0.54	$0.34	$0.21	($0.20)	$0.43
Revenue Per Share	$5.27	$5.35	$5.03	$4.51	$3.84
Shares
Basic Shares Outstanding	17.0M	16.5M	16.8M	17.1M	17.1M
Diluted Shares Outstanding	17.0M	16.5M	16.8M	17.1M	17.1M
Profitability Metrics
EBITDA	12.2M	8.9M	6.5M	(2.3M)	11.3M
D&A	1.1M	2.1M	2.1M	2.1M	2.1M
EBIT	11.1M	6.8M	4.4M	(4.4M)	9.2M

As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Sep 1, 2026