AmeriServ Financial

The Company's principal activities consist of owning and operating its three subsidiary entities. The Company's segments include retail banking, commercial banking, trust and investment/parent. Its Retail banking segment includes the deposit-gathering branch franchise and lending to both individuals and small businesses. Its Commercial banking to businesses includes commercial loans and commercial real estate mortgage (CRE) loans.

Johnstown, US
Size (employees)
336 (est)
AmeriServ Financial was founded in 1901 and is headquartered in Johnstown, US

AmeriServ Financial Office Locations

AmeriServ Financial has an office in Johnstown
Johnstown, US (HQ)
216 Franklin St

AmeriServ Financial Data and Metrics

AmeriServ Financial Financial Metrics

AmeriServ Financial's revenue was reported to be $56.5 m in FY, 2016 which is a 1% decrease from the previous period.

Revenue (FY, 2016)

56.5 m

Revenue growth (FY, 2015 - FY, 2016), %


Gross profit (FY, 2016)

48.8 m

Gross profit margin (FY, 2016), %


Net income (FY, 2016)

2.3 m

EBIT (FY, 2016)

30.2 m

Market capitalization (21-Jul-2017)

73.8 m

Cash (31-Dec-2016)

34.1 m


52.5 m
AmeriServ Financial's current market capitalization is $73.8 m.
USDFY, 2013FY, 2014FY, 2015FY, 2016


55.1 m54.8 m57.1 m56.5 m

Revenue growth, %


Cost of goods sold

6.5 m6.4 m6.5 m7.7 m

Gross profit

48.6 m48.4 m50.6 m48.8 m

Gross profit Margin, %


Sales and marketing expense

25.1 m25 m24 m24 m

Operating expense total

42.2 m43.4 m41 m41.6 m


32.9 m34 m35.4 m30.2 m

EBIT margin, %


Income tax expense

2.3 m1.6 m2.3 m897 k

Net Income

5.2 m3 m6 m2.3 m
USDFY, 2013FY, 2014FY, 2015FY, 2016


30.1 m32.9 m48.5 m34.1 m


6.5 m12.9 m


13.1 m13 m12.1 m11.7 m


12.6 m11.9 m11.9 m11.9 m

Total Assets

1.1 b1.1 b1.1 b1.2 b

Accounts Payable

10.7 m13.1 m

Total Debt

12.8 m

Total Liabilities

1.1 b

Additional Paid-in Capital

145.2 m145.3 m145.4 m145.5 m

Retained Earnings

27.6 m29.6 m34.7 m36 m

Total Equity

113.3 m114.4 m119 m95.4 m

Debt to Equity Ratio

0.1 x

Debt to Assets Ratio

0 x

Financial Leverage

9.3 x9.5 x9.7 x12.1 x
USDFY, 2013FY, 2014FY, 2015FY, 2016

Net Income

5.2 m3 m6 m2.3 m

Depreciation and Amortization

1.7 m1.8 m1.8 m1.8 m

Accounts Receivable

52 k(219 k)70 k(59 k)


788 k19 k796 k(1 m)

Accounts Payable

(299 k)(78 k)(55 k)(11 k)

Cash From Operating Activities

14.9 m5 m9.8 m6.7 m

Cash From Investing Activities

(66.3 m)(30.9 m)(49.9 m)(25.2 m)

Cash From Financing Activities

54.7 m28.7 m55.7 m4.1 m
USDY, 2016


1.7 x


7.9 x


168.2 k


0.1 x

Financial Leverage

12.1 x

AmeriServ Financial Market Value History

AmeriServ Financial Online and Social Media Presence

AmeriServ Financial Company Life and Culture

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