AmeriServ Financial, Inc.
Income Statement
| Line Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $14.6M | $15.6M | $14.5M | $14.7M | $15.0M | $12.8M | $12.8M | $12.8M |
| Cost of Revenue | — | — | — | — | — | — | — | — |
| Gross Profit | — | — | — | — | — | — | — | — |
| Gross Margin | — | — | — | — | — | — | — | — |
| Operating Expenses | ||||||||
| Research & Development | — | — | — | — | — | — | — | — |
| SG&A Expense | — | — | — | — | — | — | — | — |
| Operating Income | $35.9M | $34.9M | $20.5M | $17.7M | $16.4M | $16.3M | $21.9M | $21.0M |
| Operating Margin | 245.2% | 223.1% | 141.1% | 120.1% | 109.3% | 127.3% | 171.8% | 164.4% |
| Interest Expense | $29.1M | $30.5M | $24.8M | $8.5M | $7.6M | $10.5M | $14.3M | $11.6M |
| Pretax Income | $6.8M | $4.4M | $-4.4M | $9.2M | $8.8M | $5.8M | $7.6M | $9.4M |
| Income Tax Expense | $1.2M | $798.0K | $-1.0M | $1.8M | $1.7M | $1.2M | $1.6M | $1.7M |
| Net Income | $5.6M | $3.6M | $-3.3M | $7.4M | $7.1M | $4.6M | $6.0M | $7.8M |
| Net Margin | 38.3% | 23.1% | -23.1% | 50.5% | 47.2% | 35.9% | 47.2% | 60.7% |
| EPS (Basic) | $0.34 | $0.21 | $-0.20 | $0.44 | $0.41 | $0.27 | $0.35 | $0.43 |
| EPS (Diluted) | $0.34 | $0.21 | $-0.20 | $0.43 | $0.41 | $0.27 | $0.35 | $0.43 |
| Shares Outstanding (Basic) | 16.5M | 16.8M | 17.1M | 17.1M | 17.1M | 17.1M | 17.4M | 17.9M |
| Shares Outstanding (Diluted) | 16.5M | 16.8M | 17.1M | 17.1M | 17.1M | 17.1M | 17.4M | 18.0M |
| Dividends Per Share | $0.12 | $0.12 | $0.12 | $0.12 | $0.10 | $0.10 | $0.10 | $0.08 |