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Ameriserv Financial cash flow, quarter by quarter

Latest: Q2 2026 · from the cash-flow statements filed with the SEC

Free cash flow−$1.1M in Q2 2026 · $1.9M over twelve months

Operating cash flow−$1.1M
Free cash flow−$1.1M
Cash / net income-0.4×

Analysis

In Q2 2026, Ameriserv Financial generated −$1.1M of operating cash flow. That is $1.1M less than in Q2 2025 (−$62K).

Over the twelve months to Jun 30, 2026, operating cash flow was $1.9M; the largest uses were dividends ($2.0M), net borrowing (+) / repaid (−) ($193K); besides operations, cash came from other investing ($1.9M), other financing ($1.4M); the cash balance rose by $3.0M.

Operating cash flow was −$1.1M against net income of $2.7M — -0.4× profit, less cash than reported earnings, worth checking against working capital. The largest differences: prepaid and other assets −$1.7M, deferred taxes +$337K.

Free cash flow

Ameriserv Financial: free cash flow by quarterAmeriserv Financial: free cash flow by quarter−$1.0MQ3 2024$3.6MQ4 2024$599KQ1 2025−$62KQ2 2025$1.4MQ3 2025$1.2MQ4 2025$356KQ1 2026−$1.1MQ2 2026
Operating cash flow less capital spending.
Ameriserv Financial: operating cash flow against capital spendingAmeriserv Financial: operating cash flow against capital spendingOperating cash flowCapital spending−$235K$791KQ3 2024$3.4M−$238KQ4 2024$599K$0Q1 2025−$62K$0Q2 2025$1.4M$0Q3 2025$1.2M$0Q4 2025$356K$0Q1 2026−$1.1M$0Q2 2026
Latest (Q2 2026): Operating cash flow −$1.1M, Capital spending $0.

Capital allocation, year by year

Ameriserv Financial: where the cash came from (up) and went (down), by fiscal yearAmeriserv Financial: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedCapital spendingBuybacksDividendsFY2021: Operating cash flow $9.9MFY2021: Net borrowing −$24.9MFY2021: Shares issued $57KFY2021: Capital spending −$1.2MFY2021: Dividends −$1.7M$10.0MFY2021FY2022: Operating cash flow $5.2MFY2022: Net borrowing $88.4MFY2022: Shares issued $106KFY2022: Capital spending −$2.1MFY2022: Dividends −$2.0M$93.7MFY2022FY2023: Operating cash flow $6.3MFY2023: Net borrowing −$47.9MFY2023: Shares issued $94KFY2023: Capital spending −$1.4MFY2023: Dividends −$2.1M$6.4MFY2023FY2024: Operating cash flow $2.7MFY2024: Net borrowing −$26.5MFY2024: Capital spending −$1.7MFY2024: Buybacks −$1.5MFY2024: Dividends −$2.0M$2.7MFY2024FY2025: Operating cash flow $3.2MFY2025: Net borrowing −$14.8MFY2025: Shares issued $9KFY2025: Capital spending −$1.1MFY2025: Dividends −$2.0M$3.2MFY2025
Over these 5 years operating cash flow totalled $27.3M; the largest uses were net borrowing ($114M) and dividends ($9.7M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$28.0M
Debt$2.7M
Net cash$25.4M

Ameriserv Financial funds itself: free cash flow was $1.9M over the last twelve months, and $28.0M of cash and investments stands against $2.7M of debt.

Where the cash came from and went

Ameriserv Financial: sources (+) and uses (−) of cash, Q2 2026Ameriserv Financial: sources (+) and uses (−) of cash, Q2 2026Cash drawn (+) / kept (−)$26.1MOther financing−$13.3MOther investing−$11.1MOperating cash flow−$1.1MDividends−$510KNet borrowing (+) / repaid (−)−$49K
Ameriserv Financial: sources (+) and uses (−) of cash, TTM to Q2 2026Ameriserv Financial: sources (+) and uses (−) of cash, TTM to Q2 2026Cash drawn (+) / kept (−)−$3.0MDividends−$2.0MOther investing$1.9MOperating cash flow$1.9MOther financing$1.4MNet borrowing (+) / repaid (−)−$193K

From profit to cash

Ameriserv Financial: net income to operating cash flow, Q2 2026Ameriserv Financial: net income to operating cash flow, Q2 2026Net income$2.7MDeferred taxes$337KPrepaid and other assets−$1.7MOperating cash flow−$1.1M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q2 2026−$1.1M—−$510K−$49K—$26.1M−$1.1M
Q1 2026$356K—−$508K−$49K$27K−$3.2M$356K
Q4 2025$1.2M—−$496K−$48K—$2.9M$1.2M
Q3 2025$1.4M—−$495K−$2.7M—−$28.7M$1.4M
Q2 2025−$62K—−$495K−$7.7M—−$1.4M−$62K
Q1 2025$599K—−$496K−$4.3M—−$5.9M$599K
Q4 2024$3.4M$238K−$496K$2.8M—$4.4M$3.6M
Q3 2024−$235K−$791K−$495K——−$3.7M−$1.0M

Ameriserv Financial: income statement and cash flow

Ameriserv Financial, Q2 2026: revenue $15.9M (+10% year over year), operating margin 21.4%. The chart follows the revenue to costs, profit and cash.

Ameriserv Financial: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.