Filing Flows › Ameriserv Financial (ASRV) › Q3 2025
Ameriserv Financial (ASRV) Q3 2025 earnings results (third quarter 2025)
10-Q filed Nov 13, 2025
Ameriserv Financial (ASRV) reported revenue of $15.4M for the third quarter 2025 (Q3 2025), +18% from a year earlier and +6% from the quarter before. Operating margin was 20.0%, net earnings $2.5M (16.5% of revenue).
Ameriserv Financial, Q3 2025: revenue $15.4M (+18% year over year), operating margin 20.0%, net earnings $2.5M, operating cash flow $1.4M. The chart follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $15.4M | +6% | +18% |
| Operating profit | $3.1M | — | +117% |
| Net earnings | $2.5M | — | +115% |
| Operating cash flow | $1.4M | — | — |
What changed
Revenue was $15.4M in Q3 2025, up 18% year over year and up 6% from the previous quarter. Wealth management fees was the largest line at 18% of revenue. Wealth management fees declined 7%.
Operating profit was $3.1M, a 20.0% margin (up 9.2 points year over year). Of the extra revenue versus a year earlier, 72% reached operating profit, above the 11% margin then. Total costs grew 6% against revenue growth of 18%. Net earnings were $2.5M, up 115% year over year. The effective tax rate was 17.5%.
Operating cash flow was $1.4M, 55% of net earnings. Working capital and other items used $1.1M.
Questions
What was Ameriserv Financial's revenue in the third quarter 2025?
Ameriserv Financial (ASRV) reported revenue of $15.4M for the third quarter 2025 (Q3 2025), +18% from a year earlier and +6% from the quarter before.
Was Ameriserv Financial profitable in the third quarter 2025?
Operating profit was $3.1M (20.0% of revenue) and net earnings $2.5M.