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Ameriserv Financial vs National Bankshares: ASRV and NKSH compared
Ameriserv Financial is the larger company: $15.9M of revenue in its latest quarter (Q2 2026) against $15.7M for National Bankshares (Q2 2026). National Bankshares is growing faster (+18% against +10% a year earlier). National Bankshares is more profitable, with an operating margin of 38.7% against 21.4%.
Where the money goes: ASRV and NKSH
Ameriserv Financial (ASRV) · Q2 2026
Ameriserv Financial, Q2 2026: revenue $15.9M (+10% year over year), operating margin 21.4%, net earnings $2.7M, operating cash flow −$1.1M. The chart follows the revenue to costs, profit and cash.
National Bankshares (NKSH) · Q2 2026
National Bankshares, Q2 2026: revenue $15.7M (+18% year over year), operating margin 38.7%, net earnings $5.0M, operating cash flow $3.5M. The chart follows the revenue to costs, profit and cash.
| Ameriserv Financial (ASRV) | National Bankshares (NKSH) | |
|---|---|---|
| Latest quarter | Q2 2026 | Q2 2026 |
| Revenue | $15.9M | $15.7M |
| Revenue growth, Y/Y | +10% | +18% |
| Operating margin | 21.4% | 38.7% |
| Net earnings | $2.7M | $5.0M |
| Net margin | 17.2% | 32.0% |
| Operating cash flow | −$1.1M | $3.5M |
| Free cash flow | — | $3.3M |
Where the revenue comes from
Ameriserv Financial
- Other revenues: $12.0M (76%)
- Wealth management fees: $3.1M (19%)
- Other: $502K (3%)
- Service charges on deposit accounts: $275K (2%)
Questions
Which is bigger, Ameriserv Financial or National Bankshares?
Ameriserv Financial is the larger company: $15.9M of revenue in its latest quarter (Q2 2026) against $15.7M for National Bankshares (Q2 2026).
Is Ameriserv Financial or National Bankshares growing faster?
National Bankshares is growing faster (+18% against +10% a year earlier).
Which is more profitable, Ameriserv Financial or National Bankshares?
National Bankshares is more profitable, with an operating margin of 38.7% against 21.4%.
More: Ameriserv Financial earnings · how Ameriserv Financial makes money · National Bankshares earnings · how National Bankshares makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Aug 14, 2026; 10-Q filed Aug 12, 2026). Fiscal quarters can end on different dates. Not investment advice.