AmeriServ Financial Q4 net income $1.44M ($0.09 EPS), up 62% YoY; declares $0.03 dividend

AMERISERV FINANCIAL INC /PA/

2025-FY EPS reported $0.34 revenue$14,634,000

Q4 net income $1.442M ($0.09 diluted EPS) vs $889K ($0.05) YoY; full year net income $5.612M ($0.34 EPS) vs $3.601M ($0.21).
Net interest margin improved 34 bps to 3.15% for full year; net interest income +$6.2M (17.2%).
Provision for credit losses $4.1M in 2025 vs $884K in 2024, driven by $3.1M charge-off on largest CRE loan.
Non-performing assets down 43% to $8.5M; book value per share up 11.2% to $7.22.
Board declared $0.03/share quarterly dividend payable Feb 17, 2026; record Feb 2, 2026; yield 3.7% at $3.22 close.

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