AmeriServ Financial Inc (ASRV) — Cash Flow Quality Index
AmeriServ Financial Inc (ASRV) has a Cash Flow Quality Index of -2.23x as of December 2025. Operating cash flow of $-3.22 Million is below net income of $1.44 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore AmeriServ Financial Inc strategic investment ratio to see how much of total assets are deployed in long-term investments.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
AmeriServ Financial Inc Cash Flow Quality Index (1989–2025)
Historical Cash Flow Quality Index for AmeriServ Financial Inc across 32 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check how tangible is AmeriServ Financial Inc's equity to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for AmeriServ Financial Inc (1989–2025)
Year-by-year earnings quality comparison for AmeriServ Financial Inc. For live market cap and the full company financial profile, see market value of AmeriServ Financial Inc.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 0.57x | $3.19 Million | $5.61 Million | ▼ -23.9% |
| 2024 | 0.75x | $2.69 Million | $3.60 Million | ▲ +6.7% |
| 2022 | 0.70x | $5.21 Million | $7.45 Million | ▼ -50.2% |
| 2021 | 1.41x | $9.94 Million | $7.07 Million | ▲ +570.7% |
| 2020 | -0.30x | $-1.37 Million | $4.60 Million | ▼ -136.8% |
| 2019 | 0.81x | $4.89 Million | $6.03 Million | ▼ -21.1% |
| 2018 | 1.03x | $7.98 Million | $7.77 Million | ▼ -55.0% |
| 2017 | 2.28x | $7.52 Million | $3.29 Million | ▼ -20.0% |
| 2016 | 2.85x | $6.59 Million | $2.31 Million | ▲ +74.1% |
| 2015 | 1.64x | $9.83 Million | $6.00 Million | ▼ -0.1% |
| 2014 | 1.64x | $4.96 Million | $3.02 Million | ▼ -42.6% |
| 2013 | 2.86x | $14.85 Million | $5.19 Million | ▲ +348.7% |
| 2012 | 0.64x | $3.21 Million | $5.04 Million | ▼ -61.4% |
| 2011 | 1.65x | $10.79 Million | $6.54 Million | ▼ -22.2% |
| 2010 | 2.12x | $2.72 Million | $1.28 Million | ▲ +47.8% |
| 2008 | 1.44x | $7.91 Million | $5.51 Million | ▼ -57.9% |
| 2007 | 3.41x | $10.33 Million | $3.03 Million | ▲ +56.4% |
| 2006 | 2.18x | $5.08 Million | $2.33 Million | ▼ -88.6% |
| 2003 | 19.09x | $10.48 Million | $549.00K | ▲ +167.7% |
| 2001 | 7.13x | $14.08 Million | $1.98 Million | ▼ -47.1% |
| 2000 | 13.48x | $23.14 Million | $1.72 Million | ▲ +441.4% |
| 1999 | 2.49x | $50.80 Million | $20.40 Million | ▲ +530.7% |
| 1998 | -0.58x | $-12.20 Million | $21.10 Million | ▼ -151.5% |
| 1997 | 1.12x | $26.40 Million | $23.50 Million | ▼ -23.8% |
| 1996 | 1.48x | $29.50 Million | $20.00 Million | ▲ +5.9% |
| 1995 | 1.39x | $22.00 Million | $15.80 Million | ▲ +38.0% |
| 1994 | 1.01x | $11.40 Million | $11.30 Million | ▼ -44.8% |
| 1993 | 1.83x | $20.10 Million | $11.00 Million | ▲ +22.3% |
| 1992 | 1.49x | $13.30 Million | $8.90 Million | ▼ -12.8% |
| 1991 | 1.71x | $10.80 Million | $6.30 Million | ▼ -1.6% |
| 1990 | 1.74x | $10.80 Million | $6.20 Million | ▼ -9.1% |
| 1989 | 1.92x | $9.20 Million | $4.80 Million | — |