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How Ameriserv Financial (ASRV) makes money

Ameriserv Financial (ASRV) made $15.9M of revenue in the second quarter 2026 (Q2 2026), +10% from a year earlier. Other revenues brought in $12.0M (76%); Wealth management fees brought in $3.1M (19%); Other brought in $502K (3%). Of every dollar of revenue, 21¢ was left as operating profit, 17¢ was left as net earnings.

Drawing the Sankey…

Ameriserv Financial revenue by segment, Q2 2026Ameriserv Financial revenue by segment, Q2 2026Other revenues$12.0MWealth management fees$3.1MOther$502KService charges on deposit accoun…$275K
Ameriserv Financial: revenue by line, Q4 2024 to Q2 2026Ameriserv Financial: revenue by line, Q4 2024 to Q2 2026Other revenuesWealth management feesOtherService charges on de…Other revenues: $12.0M latest$12.0MWealth management fees: $3.1M latest$3.1MOther: $502K latestService charges on deposit accounts: $275K latestQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026
Other revenues went from 73% of revenue in Q4 2024 to 76% in Q2 2026, the largest shift in the mix.
Ameriserv Financial revenue by quarterAmeriserv Financial revenue by quarter$14.0MQ4 2024$14.1MQ1 2025$14.5MQ2 2025$15.4MQ3 2025$15.3MQ4 2025$14.8MQ1 2026$15.9MQ2 2026
Ameriserv Financial: where each dollar of revenue goesAmeriserv Financial: where each dollar of revenue goesOperating profit21¢Income tax4¢Net earnings17¢

Revenue by segment, Q2 2026

SegmentRevenueShareQ/QY/Y
Other revenues$12.0M75.7%+8%+10%
Wealth management fees$3.1M19.5%+8%+11%
Other$502K3.2%+12%-3%
Service charges on deposit accounts$275K1.7%-9%-9%

Where each dollar of revenue goes

LineQ2 2026% of revenue
Revenue$15.9M100.0%
Operating profit$3.4M21.4%
Income tax$661K4.2%
Net earnings$2.7M17.2%

Revenue, quarter by quarter

QuarterRevenueY/Y
Q2 2026$15.9M+10%
Q1 2026$14.8M+5%
Q4 2025$15.3M+9%
Q3 2025$15.4M+18%
Q2 2025$14.5M+9%
Q1 2025$14.1M+3%
Q4 2024$14.0M+23%

From Ameriserv Financial's 10-Q filed Aug 14, 2026 (on EDGAR).

Questions

How does Ameriserv Financial make money?

Ameriserv Financial (ASRV) made $15.9M of revenue in the second quarter 2026 (Q2 2026), +10% from a year earlier. Other revenues brought in $12.0M (76%); Wealth management fees brought in $3.1M (19%); Other brought in $502K (3%). Of every dollar of revenue, 21¢ was left as operating profit, 17¢ was left as net earnings.

What is Ameriserv Financial's biggest business?

Other revenues: $12.0M in the second quarter 2026, 76% of revenue, +10% from a year earlier.

What is Ameriserv Financial's profit margin?

Net earnings were $2.7M, 17.2% of revenue, in the second quarter 2026; the operating margin was 21.4%.

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Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.