AmeriServ Q4 net income $889K (EPS $0.05) vs year-ago loss; full-year profit; NIM expands

AMERISERV FINANCIAL INC /PA/

2024-FY EPS reported $0.21 revenue$15,621,000

Q4 2024 net income $889K ($0.05 EPS) vs Q4 2023 net loss $5.3M (-$0.31 EPS).
Full-year 2024 net income $3.6M ($0.21 EPS) vs 2023 net loss $3.3M (-$0.20 EPS).
Net interest margin improved to 2.88% in Q4, up 17 bps sequentially; mgmt expects further improvement in 2025.
Total loans grew $30M (2.9%) and deposits $42.6M (3.7%) during 2024.
Tangible book value per share rose 11.4% to $5.75; Board declared $0.03 quarterly dividend (unchanged).

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