ASRV - NASDAQ
AmeriServ Financial, Inc.
$3.75
+0.22%AmeriServ Financial, Inc. operates as the bank holding company for AmeriServ Financial Bank that provides various consumer, mortgage, and commercial financial products. It offers retail banking services, such as demand, savings, and time deposits; checking and money market accounts; secured and unsecured consumer loans, and mortgage loans; and safe deposit boxes, holiday club accounts, and money orders. The company also provides lending, depository, and related financial services, such as commercial real estate mortgage loans, short and medium-term loans, revolving credit arrangements, lines of credit, inventory and accounts receivable financing, real estate-construction loans, business savings accounts, certificates of deposit, wire transfers, night depository, and lock box services to commercial, industrial, financial, and governmental customers. In addition, the company offers personal trust products and services, including personal portfolio investment management, estate planning and administration, custodial services, and pre-need trusts; institutional trust products and services comprising 401(k) plans, defined benefit and defined contribution employee benefit plans, and individual retirement accounts; financial services consisting of the sale of mutual funds, annuities, and insurance products; and union collective investment funds to invest union pension dollars in construction projects that utilize union labor. Further, it engages in underwriting as reinsurer of credit life and disability insurance. The company operates through a network of 17 banking locations in Allegheny, Cambria, Centre, Somerset, and Westmoreland counties, Pennsylvania, and Washington County, Maryland; and operates 18 automated bank teller machines. AmeriServ Financial, Inc. is headquartered in Johnstown, Pennsylvania.
At a Glance
Live SnapshotAmeriServ Financial, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Weak cash conversion. Significant portion of earnings not converting to cash—review working capital trends and capital intensity.
CapEx Intensity
Moderate capital requirements typical of many stable businesses. Healthy balance between reinvestment and cash generation.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
AmeriServ Financial, Inc. Cash Flow Statement
ASRV • NASDAQ
| AmeriServ Financial, Inc. Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
5.6M | 3.6M | -3.3M | 7.4M | 7.1M | 4.6M | 6M | 7.8M | 3.3M | 2.3M | 6M | 3M | 5.2M | 5M | 6.5M | 1.3M | -4.9M | 5.5M | 3M | 2.3M | |
0.0 | 2.1M | 2.1M | 2.1M | 2M | 2M | 1.9M | 1.5M | 1.7M | 1.8M | 1.8M | 1.8M | 1.7M | 1.5M | 1.5M | 1.5M | 1.7M | 1.9M | 2.2M | 2.8M | |
0.0 | -34K | -565K | 533K | 729K | 1.6M | 179K | 2.7M | 4.3M | 414K | 888K | 562K | 2.2M | 2.1M | 2.8M | -126K | -3.3M | 1.1M | 0.0 | 0.0 | |
0.0 | 8K | 45K | 50K | 43K | 3K | 7K | 14K | 13K | 20K | 186K | 66K | 88K | 41K | 15K | 61K | 73K | 0.0 | 0.0 | 0.0 | |
-2.7M | -2.5M | 5.8M | -4.1M | -440K | -7.4M | -3.7M | -4.4M | -1.4M | 2.1M | 956K | -228K | 4.5M | -5.7M | -228K | -1.2M | 11M | 3.3M | -122K | -490K | |
303K | -461K | 2.3M | -859K | 500K | -2.2M | 519K | 416K | -373K | -70K | 15K | -297K | 1.2M | 186K | 235K | 1.2M | -6.2M | -3.9M | 5.2M | 468K | |
3.2M | 2.7M | 6.3M | 5.2M | 9.9M | -1.4M | 4.9M | 8M | 7.5M | 6.6M | 9.8M | 5M | 14.9M | 3.2M | 10.8M | 2.7M | -1.6M | 7.9M | 10.3M | 5.1M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
(0.0) | -1.7M | -1.4M | -2.1M | -1.2M | -1.3M | -2.8M | -2.1M | -2.7M | -1.4M | -881K | -1.7M | -3M | -2.6M | -1.7M | -2.8M | -1.3M | -2.6M | -1.1M | -1.5M | |
(0.0) | (0.0) | (0.0) | (0.0) | (40.4M) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
(0.0) | -22.8M | -29.2M | -69.3M | -77.9M | -45.9M | -20.3M | -51.2M | -43.5M | -54.9M | -28.5M | -15.3M | -59.1M | -39.2M | -91.9M | -98.9M | -55.2M | -81.3M | -12.6M | -10.3M | |
0.0 | 33.5M | 40.5M | 24.1M | 46.5M | 41.2M | 29.9M | 29.4M | 32.8M | 36.2M | 32.7M | 29.5M | 58.9M | 67.5M | 71.9M | 69.1M | 55.7M | 98M | 44.7M | 40.8M | |
11.1M | -32.1M | -49.9M | -9M | -8.3M | -89.3M | -19.8M | 26.6M | -6.9M | -5.2M | -53.2M | -43.4M | -63.1M | -57.9M | 7.6M | 44.9M | -12.9M | -69M | -40.2M | -39M | |
(11.1M) | -23.1M | -40M | -56.3M | -488K | -95.3M | -13M | (2.7M) | -20.2M | -25.2M | -49.9M | -30.9M | -66.3M | -32.2M | -14.1M | (12.4M) | -13.7M | -54.9M | -9.2M | -10M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
9K | -1.5M | 94K | 106K | 57K | -151K | -2.6M | -2.3M | -3.4M | 0.0 | 0.0 | 0.0 | -1.2M | -4.4M | -582K | 0.0 | 73K | -2.8M | 0.0 | 173K | |
-26.3M | -15M | -23.1M | 65.5M | -40.3M | 13.4M | -11.8M | -7.6M | 37M | -38.5M | 23.3M | 14.3M | 37.9M | 6.9M | 7.5M | -37.3M | -82.2M | 51.7M | 31.1M | -15.2M | |
-2M | -2M | -2.1M | -2M | -1.7M | -1.7M | -1.6M | -1.3M | -1.1M | -960K | -964K | -962K | -775K | -828K | -1.1M | -1.1M | -951K | -543K | (131K) | (173K) | |
(0.0) | -1.5M | (0.0) | (0.0) | (0.0) | -151K | -2.6M | -2.3M | -3.4M | (0.0) | (0.0) | (0.0) | -1.2M | -4.4M | -582K | (0.0) | (0.0) | -2.8M | (0.0) | (0.0) | |
47.1M | 42.6M | 49.9M | -30.7M | 42.1M | 94.5M | 11.4M | 1.3M | -19.7M | 64.5M | 33.3M | 15.4M | 18.7M | 19.3M | 12.9M | 16.3M | 89.6M | -16.4M | -31.3M | 22.6M | |
18.9M | 24.1M | 24.8M | 32.9M | 146K | 106M | -4.6M | -10M | 12.8M | 4.2M | 55.7M | 28.7M | 54.7M | 21M | 18.7M | -22.1M | 6.5M | 52.9M | -123K | 7.6M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
33.1M | 3.7M | -8.9M | -18.1M | 9.6M | 9.3M | -12.7M | 706K | 115K | -14.4M | 15.6M | 2.8M | 3.2M | -8M | 15.4M | -7M | -8.8M | 5.9M | 1M | 2.7M | |
17.7M | 14M | 23M | 41.1M | 31.5M | 22.2M | 34.9M | 34.2M | 34.1M | 48.5M | 32.9M | 30.1M | 26.8M | 34.8M | 19.3M | 26.3M | 35.1M | 29.3M | 23.9M | 21.2M | |
50.9M | 17.7M | 14M | 23M | 41.1M | 31.5M | 22.2M | 34.9M | 34.2M | 34.1M | 48.5M | 32.9M | 30.1M | 26.8M | 34.8M | 19.3M | 26.3M | 35.1M | 24.9M | 23.9M | |
2.1M | 976K | 4.9M | 3.1M | 8.7M | -2.7M | 2.1M | 5.8M | 4.8M | 5.2M | 9M | 3.2M | 11.9M | 565K | 9.1M | -32K | -2.9M | 5.3M | 9.2M | 3.5M |
SEC Filings
ASRV - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | May 27, 2026 | May 22, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 14, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 21, 2026 | April 21, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 18, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | March 04, 2026 | March 04, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 20, 2026 | January 20, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 07, 2026 | January 06, 2026 | 2026 | |
10-Q 10-Q 2025 Q3 Q3 | November 13, 2025 | September 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | October 21, 2025 | October 21, 2025 | 2025 | |
8-K 8-K 2025 N/A | October 16, 2025 | October 16, 2025 | 2025 |
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