AmeriServ Q3 net income $3.1M, EPS $0.18 vs $0.15; nine-month EPS $0.45, up 80%

AMERISERV FINANCIAL INC /PA/

Q3 2026 net income $3.1M, or $0.18 diluted EPS, up 21.9% from $2.544M/$0.15 a year earlier; nine-month net income $7.632M, or $0.45 vs $0.25.
Net interest margin 3.41% in Q3 (+14 bp YoY) and 3.34% for nine months (+21 bp); nine-month net interest income rose $2.3M, or 7.3%.
Provision was $3,000 recovery in Q3 vs $360,000 provision a year ago; nine-month recovery $80,000 vs $3.4M provision. NPAs $8.2M, 0.77% of loans; allowance coverage 169%.
Average Q3 loans fell $62.5M, or 5.9%, on CRE payoffs; CRE concentration eased to 319% of capital from 352% at Dec. 31, 2025. Wealth assets $2.8B, up 4.5% YTD.
Dividend $0.03/share payable Nov. 16, record Nov. 2 (2.6% yield at $4.54; 20% payout). Subordinated debt rate reset Sept. 1 to 6.94% from 3.75%.

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