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Ameriserv Financial (ASRV) earnings and revenue breakdown
Latest: Q2 2026 · 10-Q filed Aug 14, 2026 · Ameriserv Financial (ASRV) Q2 2026 earnings results →
Q2 2026 Revenue up 10% year over year to $15.9M · 17¢ of every $1 of revenue kept as net profit · operating margin 21.4%
Ameriserv Financial made $15.9M in Q2 2026 (+10% Y/Y): Other revenues $12.0M, Wealth management fees $3.1M, Other $502K. Operating margin 21.4%, net earnings $2.7M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Aug 14, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $15.9M in Q2 2026, up 10% year over year and up 7% from the previous quarter. Wealth management fees was the largest line at 19% of revenue. Wealth management fees added $312K year over year (up 11%), 22% of the total change. Service charges on deposit accounts declined 9%.
Operating profit was $3.4M, a 21.4% margin (up 23.8 points year over year). Total costs fell 16% while revenue rose 10%. Net earnings were $2.7M. The effective tax rate was 19.4%.
Operating cash flow was −$1.1M. Working capital and other items used $3.9M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q2 2026 | 10-Q | Aug 14, 2026 | $15.9M | +10% | 21.4% | $2.7M | −$1.1M |
| Q1 2026 | 10-Q | May 14, 2026 | $14.8M | +5% | 15.0% | $1.8M | $356K |
| Q4 2025 | 10-K | Mar 18, 2026 | $15.3M | +9% | 11.0% | $1.4M | $1.2M |
| Q3 2025 | 10-Q | Nov 13, 2025 | $15.4M | +18% | 20.0% | $2.5M | $1.4M |
| Q2 2025 | 10-Q | Aug 11, 2025 | $14.5M | +9% | -2.4% | −$282K | −$62K |
| Q1 2025 | 10-Q | May 13, 2025 | $14.1M | +3% | 17.0% | $1.9M | $599K |
| Q4 2024 | 10-K | Mar 19, 2025 | $14.0M | +23% | 7.7% | $889K | $3.4M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Ameriserv Financial
AmeriServ Financial, Inc. (the Company) is a bank holding company organized under the Pennsylvania Business Corporation Law. The Company became a holding company upon acquiring all of the outstanding shares of AmeriServ Financial Bank (the Bank) in January 1983. When used in this report, the “Company” may refer, depending on the context, to AmeriServ Financial, Inc. individually or AmeriServ Financial, Inc. and its direct subsidiary. The Company’s principal activities consist of owning and operating its wholly owned subsidiary entity. At December 31, 2025, the Company had, on a consolidated basis, total assets, deposits, and shareholders’ equity of $1.5 billion, $1.2 billion, and $119.3 million, respectively. The Company and its subsidiary derive substantially all of their income from banking, bank related services, and trust and wealth management related services.
In its own words, from its 10-K, filed Mar 18, 2026.
Ameriserv Financial against its National Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +10% against the peers' median +8%. Operating margin: 21.4% against the peers' median 30.6%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| ASRV Ameriserv Financial | Q2 2026 | $15.9M | +10% | 21.4% |
| JPM JPMorgan Chase | Q3 2026 | $50.2B | +8% | 40.1% |
| BAC Bank of America | Q3 2026 | $30.0B | +3% | 29.9% |
| C Citigroup | Q3 2026 | $23.8B | +8% | 30.6% |
| WFC Wells Fargo | Q3 2026 | $21.9B | +2% | 32.5% |
| COF Capital One Financial | Q3 2026 | $16.3B | +6% | 28.0% |
| USB US Bancorp | Q3 2026 | $8.0B | +9% | 35.1% |
| PNC PNC Financial Services Group | Q3 2026 | $6.6B | +11% | 40.0% |
| TFC Truist Financial | Q3 2026 | $3.7B | -28% | 23.9% |
Source: Ameriserv Financial 10-Q on SEC EDGAR · CIK 707605 · National Commercial Banks
13F: who owns ASRV and who is buying
More on ASRV
History
Every quarter: Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results · Q4 2024 results