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CF Bankshares vs Ameriserv Financial: CFBK and ASRV compared
CF Bankshares is the larger company: $16.7M of revenue in its latest quarter (Q3 2026) against $15.9M for Ameriserv Financial (Q2 2026). Ameriserv Financial is growing faster (+10% against +8% a year earlier). CF Bankshares is more profitable, with an operating margin of 44.2% against 21.4%.
Where the money goes: CFBK and ASRV
CF Bankshares (CFBK) · Q3 2026
CF Bankshares, Q3 2026: revenue $16.7M (+8% year over year), operating margin 44.2%, net earnings $6.0M, operating cash flow $8.4M. The chart follows the revenue to costs, profit and cash.
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.
| CF Bankshares (CFBK) | Ameriserv Financial (ASRV) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q2 2026 |
| Revenue | $16.7M | $15.9M |
| Revenue growth, Y/Y | +8% | +10% |
| Operating margin | 44.2% | 21.4% |
| Net earnings | $6.0M | $2.7M |
| Net margin | 36.1% | 17.2% |
| Operating cash flow | $8.4M | −$1.1M |
| Free cash flow | $8.4M | — |
Where the revenue comes from
CF Bankshares
- Net interest income: $14.9M (89%)
- Noninterest income: $1.8M (11%)
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, CF Bankshares or Ameriserv Financial?
CF Bankshares is the larger company: $16.7M of revenue in its latest quarter (Q3 2026) against $15.9M for Ameriserv Financial (Q2 2026).
Is CF Bankshares or Ameriserv Financial growing faster?
Ameriserv Financial is growing faster (+10% against +8% a year earlier).
Which is more profitable, CF Bankshares or Ameriserv Financial?
CF Bankshares is more profitable, with an operating margin of 44.2% against 21.4%.
More: CF Bankshares earnings · how CF Bankshares makes money · Ameriserv Financial earnings · how Ameriserv Financial makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 6, 2026; 10-Q filed Aug 14, 2026). Fiscal quarters can end on different dates. Not investment advice.