AmeriServ Financial Inc (ASRV) — Cash Flow Quality Index
AmeriServ Financial Inc (ASRV) has a Cash Flow Quality Index of -0.41x as of June 2026. Operating cash flow of $-1.11 Million is below net income of $2.74 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore cash flow to debt ratio of AmeriServ Financial Inc to assess how comfortably operating cash covers total debt obligations.
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. For the full cash flow conversion analysis, see AmeriServ Financial Inc (ASRV) cash flow conversion.
Annual Cash Flow Quality Index for AmeriServ Financial Inc (1989–2025)
Year-by-year earnings quality comparison for 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 | — |