AmeriServ Financial Inc

NAS:ASRVFinancial ServicesNASDAQ:BANKnasdaq_composite

$4.38−3.52%At closeAt close · Tue 20 Oct · ≈ AED 16.09 · Market cap $74.37M · Next earnings Tue 20 Oct

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	79.6%	86.5%	87.0%	58.2%	62.9%	62.4%	—	—
Operating margin	9.2%	13.6%	14.0%	−5.7%	5.2%	7.7%	7.7%	+0.0 pts
Net margin	7.3%	11.0%	11.3%	−4.3%	4.3%	6.4%	6.4%	+0.0 pts
EBITDA margin	12.4%	16.8%	17.2%	−3.0%	7.7%	10.1%	—	—
Return on equity	4.4%	6.1%	7.0%	−3.3%	3.4%	4.7%	4.7%	+0.0 pts
Return on assets	0.4%	0.5%	0.5%	−0.2%	0.3%	0.4%	0.4%	+0.0 pts
Return on capital employed	2.9%	4.5%	5.5%	−2.3%	2.1%	3.3%	—	—
Debt / equity	1.1×	0.6×	1.3×	1.1×	0.9×	0.6×	0.6×	+0.0%
Debt / assets	8.9%	5.5%	10.1%	8.3%	7.1%	5.2%	—	—
Interest coverage	0.6×	1.2×	1.1×	−0.2×	0.1×	0.2×	—	—
Current ratio	0.2×	0.2×	0.2×	0.2×	0.1×	0.1×	0.1×	+0.0%
Quick ratio	0.2×	0.2×	0.2×	0.2×	0.1×	0.1×	—	—
Cash ratio	0.0×	0.0×	0.0×	0.0×	0.0×	0.0×	0.0×	+0.0%
Asset turnover	0.0×	0.0×	0.0×	0.1×	0.1×	0.1×	—	—
Receivables turnover	12.5×	16.2×	13.7×	14.0×	15.4×	15.9×	—	—
Dividend payout	37.3%	24.2%	26.4%	−61.5%	56.1%	35.3%	—	—

Margins, returns, leverage and liquidityUpdated 31 Dec 2025 ·

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Current snapshot ratios have no reporting date and are shown separately from fiscal periods.