AmeriServ Financial Inc Cash Flow Quality Index
AmeriServ Financial Inc cash flow quality index. AmeriServ Financial Inc (ASRV) has a Cash Flow Quality Index of 0.11x as of June 2026. Operating cash flow of $309.00K is below net income of $2.74 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore AmeriServ Financial Inc debt service capacity to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of AmeriServ Financial Inc (1989–2025)
Cash flow quality index of AmeriServ Financial Inc from 1989 to 2025. Historical Cash Flow Quality Index for AmeriServ Financial Inc across 32 annual periods. Values consistently above 1.0x indicate high-quality earnings. See AmeriServ Financial Inc (ASRV) net asset quality to measure how much of total assets are equity-financed.
AmeriServ Financial Inc Cash Flow Quality Index by Year (1989–2025)
AmeriServ Financial Inc cash flow quality index by year from 1989 to 2025. Year-by-year earnings quality comparison for AmeriServ Financial Inc. For the full cash flow conversion analysis, see cash efficiency ratio 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 | — |