Filing Flows › Ameriserv Financial (ASRV) › Q4 2025
Ameriserv Financial (ASRV) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Mar 18, 2026
Ameriserv Financial (ASRV) reported revenue of $15.3M for the fourth quarter 2025 (Q4 2025), +9% from a year earlier and -0.7% from the quarter before. Operating margin was 11.0%, net earnings $1.4M (9.4% of revenue).
Ameriserv Financial, Q4 2025: revenue $15.3M (+9% year over year), operating margin 11.0%, net earnings $1.4M, operating cash flow $1.2M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $15.3M | -0.7% | +9% |
| Operating profit | $1.7M | -46% | +56% |
| Net earnings | $1.4M | -43% | +62% |
| Operating cash flow | $1.2M | -11% | -63% |
What changed
Revenue was $15.3M in Q4 2025, up 9% year over year and down 1% from the previous quarter. Wealth management fees was the largest line at 20% of revenue.
Operating profit was $1.7M, a 11.0% margin (up 3.3 points year over year). Of the extra revenue versus Q4 2024, 46% reached operating profit, above the 8% margin then. Total costs grew 5% against revenue growth of 9%. Net earnings were $1.4M, up 62% year over year. The effective tax rate was 14.1%.
Operating cash flow was $1.2M (down 63% year over year), 86% of net earnings. Working capital and other items used $196K.
Questions
What was Ameriserv Financial's revenue in the fourth quarter 2025?
Ameriserv Financial (ASRV) reported revenue of $15.3M for the fourth quarter 2025 (Q4 2025), +9% from a year earlier and -0.7% from the quarter before.
Was Ameriserv Financial profitable in the fourth quarter 2025?
Operating profit was $1.7M (11.0% of revenue) and net earnings $1.4M.