Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | $12.8M | $12.8M | $12.8M | $15.0M | $14.7M | $14.5M | $15.6M | $14.6M |
| Revenue growth | — | — | — | -0.3% | 0.5% | 16.7% | -1.5% | -1.7% | 7.8% | -6.3% |
| Net income | $2.31M | $3.29M | $7.77M | $6.03M | $4.60M | $7.07M | $7.45M | -$3.35M | $3.60M | $5.61M |
| Net margin | — | — | 60.7% | 47.2% | 35.9% | 47.2% | 50.5% | -23.1% | 23.1% | 38.3% |
| EPS (diluted) | $0.12 | $0.18 | $0.43 | $0.35 | $0.27 | $0.41 | $0.43 | -$0.20 | $0.21 | $0.34 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $6.59M | $7.52M | $7.98M | $4.89M | -$1.37M | $9.94M | $5.21M | $6.29M | $2.69M | $3.19M |
| Share buybacks | — | — | — | — | — | — | — | — | $1.51M | — |
| Dividends paid | $945K | $1.11M | $1.35M | $1.64M | $1.72M | $1.71M | $1.97M | $2.06M | $2.02M | $1.98M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $34.1M | $34.2M | $34.9M | $22.2M | $31.5M | $41.1M | $23.0M | $14.0M | $17.7M | $50.9M |
| Total assets | $1.15B | $1.17B | $1.16B | $1.17B | $1.28B | $1.34B | $1.36B | $1.39B | $1.42B | $1.45B |
| Total liabilities | $1.06B | $1.07B | $1.06B | $1.07B | $1.18B | $1.22B | $1.26B | $1.29B | $1.32B | $1.33B |
| Shareholders' equity | $95.4M | $95.1M | $98.0M | $98.6M | $104M | $117M | $106M | $102M | $107M | $119M |
| Retained earnings | $36.0M | $40.3M | $46.7M | $51.8M | $54.6M | $60.0M | $65.5M | $58.9M | $60.5M | $64.1M |
| Shares (wtd avg diluted) | 19.0M | 18.6M | 18.0M | 17.4M | 17.1M | 17.1M | 17.1M | 17.1M | 16.8M | 16.5M |
Every figure is extracted from AMERISERV FINANCIAL INC /PA/’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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