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Side-by-side financial comparison of AMERISERV FINANCIAL INC (ASRV) and Zedge, Inc. (ZDGE). Click either name above to swap in a different company.
Zedge, Inc. is the larger business by last-quarter revenue ($7.6M vs $3.9M, roughly 1.9× AMERISERV FINANCIAL INC). AMERISERV FINANCIAL INC runs the higher net margin — 36.9% vs 10.4%, a 26.6% gap on every dollar of revenue. On growth, Zedge, Inc. posted the faster year-over-year revenue change (5.8% vs 2.4%). Over the past eight quarters, Zedge, Inc.'s revenue compounded faster (-1.0% CAGR vs -46.6%).
Ameriserv Financial Inc. is a Pennsylvania-headquartered regional financial services holding company. It provides retail and commercial banking products including deposit accounts, loan products and wealth management solutions, serving individual consumers and SMEs across its local operating markets in the United States.
Zedge is a content distribution platform that provides consumers with a way to personalize their mobile devices. It has offices in Trondheim, Vilnius, and New York City.
ASRV vs ZDGE — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $3.9M | $7.6M |
| Net Profit | $1.4M | $788.0K |
| Gross Margin | — | — |
| Operating Margin | 43.0% | 12.0% |
| Net Margin | 36.9% | 10.4% |
| Revenue YoY | 2.4% | 5.8% |
| Net Profit YoY | 62.2% | 332.4% |
| EPS (diluted) | $0.09 | $0.06 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $3.9M | $7.6M | ||
| Q3 25 | $15.4M | $7.5M | ||
| Q2 25 | $14.5M | $7.8M | ||
| Q1 25 | $14.1M | $7.0M | ||
| Q4 24 | $3.8M | $7.2M | ||
| Q3 24 | $13.1M | $7.6M | ||
| Q2 24 | $13.2M | $7.7M | ||
| Q1 24 | $13.7M | $7.8M |
| Q4 25 | $1.4M | $788.0K | ||
| Q3 25 | $2.5M | $-559.0K | ||
| Q2 25 | $-282.0K | $185.0K | ||
| Q1 25 | $1.9M | $-1.7M | ||
| Q4 24 | $889.0K | $-339.0K | ||
| Q3 24 | $1.2M | $-39.0K | ||
| Q2 24 | $-375.0K | $113.0K | ||
| Q1 24 | $1.9M | $-9.2M |
| Q4 25 | 43.0% | 12.0% | ||
| Q3 25 | 20.0% | -9.6% | ||
| Q2 25 | -2.4% | 2.1% | ||
| Q1 25 | 17.0% | -31.8% | ||
| Q4 24 | 28.2% | -6.4% | ||
| Q3 24 | 10.8% | -0.8% | ||
| Q2 24 | -3.7% | -1.7% | ||
| Q1 24 | 17.4% | -153.5% |
| Q4 25 | 36.9% | 10.4% | ||
| Q3 25 | 16.5% | -7.5% | ||
| Q2 25 | -1.9% | 2.4% | ||
| Q1 25 | 13.6% | -24.1% | ||
| Q4 24 | 23.3% | -4.7% | ||
| Q3 24 | 9.0% | -0.5% | ||
| Q2 24 | -2.8% | 1.5% | ||
| Q1 24 | 13.9% | -118.8% |
| Q4 25 | $0.09 | $0.06 | ||
| Q3 25 | $0.15 | $-0.04 | ||
| Q2 25 | $-0.02 | $0.01 | ||
| Q1 25 | $0.12 | $-0.12 | ||
| Q4 24 | $0.05 | $-0.02 | ||
| Q3 24 | $0.07 | $0.00 | ||
| Q2 24 | $-0.02 | $0.01 | ||
| Q1 24 | $0.11 | $-0.66 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $18.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $119.3M | $25.9M |
| Total Assets | $1.5B | $36.0M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $18.5M | ||
| Q3 25 | — | $18.6M | ||
| Q2 25 | — | $20.4M | ||
| Q1 25 | — | $20.1M | ||
| Q4 24 | — | $20.2M | ||
| Q3 24 | — | $20.0M | ||
| Q2 24 | — | $19.9M | ||
| Q1 24 | — | $18.1M |
| Q4 25 | $119.3M | $25.9M | ||
| Q3 25 | $114.6M | $25.9M | ||
| Q2 25 | $110.9M | $28.6M | ||
| Q1 25 | $110.8M | $28.2M | ||
| Q4 24 | $107.2M | $30.1M | ||
| Q3 24 | $108.2M | $30.9M | ||
| Q2 24 | $103.7M | $30.9M | ||
| Q1 24 | $103.9M | $30.7M |
| Q4 25 | $1.5B | $36.0M | ||
| Q3 25 | $1.5B | $35.7M | ||
| Q2 25 | $1.4B | $37.8M | ||
| Q1 25 | $1.4B | $37.1M | ||
| Q4 24 | $1.4B | $38.2M | ||
| Q3 24 | $1.4B | $38.2M | ||
| Q2 24 | $1.4B | $38.1M | ||
| Q1 24 | $1.4B | $37.1M |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $3.2M | $825.0K |
| Free Cash FlowOCF − Capex | — | $808.0K |
| FCF MarginFCF / Revenue | — | 10.6% |
| Capex IntensityCapex / Revenue | — | 0.2% |
| Cash ConversionOCF / Net Profit | 2.21× | 1.05× |
| TTM Free Cash FlowTrailing 4 quarters | — | $3.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $3.2M | $825.0K | ||
| Q3 25 | $1.4M | $674.0K | ||
| Q2 25 | $-62.0K | $870.0K | ||
| Q1 25 | $599.0K | $708.0K | ||
| Q4 24 | $2.7M | $1.2M | ||
| Q3 24 | $-235.0K | $695.0K | ||
| Q2 24 | $1.7M | $2.3M | ||
| Q1 24 | $-2.2M | $1.6M |
| Q4 25 | — | $808.0K | ||
| Q3 25 | — | $640.0K | ||
| Q2 25 | — | $851.0K | ||
| Q1 25 | — | $689.0K | ||
| Q4 24 | — | $1.2M | ||
| Q3 24 | — | $683.0K | ||
| Q2 24 | — | $2.3M | ||
| Q1 24 | — | $1.6M |
| Q4 25 | — | 10.6% | ||
| Q3 25 | — | 8.6% | ||
| Q2 25 | — | 11.0% | ||
| Q1 25 | — | 9.9% | ||
| Q4 24 | — | 16.1% | ||
| Q3 24 | — | 9.0% | ||
| Q2 24 | — | 30.4% | ||
| Q1 24 | — | 20.0% |
| Q4 25 | — | 0.2% | ||
| Q3 25 | — | 0.5% | ||
| Q2 25 | — | 0.2% | ||
| Q1 25 | — | 0.3% | ||
| Q4 24 | — | 0.2% | ||
| Q3 24 | — | 0.2% | ||
| Q2 24 | — | 0.2% | ||
| Q1 24 | — | 0.0% |
| Q4 25 | 2.21× | 1.05× | ||
| Q3 25 | 0.55× | — | ||
| Q2 25 | — | 4.70× | ||
| Q1 25 | 0.31× | — | ||
| Q4 24 | 3.02× | — | ||
| Q3 24 | -0.20× | — | ||
| Q2 24 | — | 20.73× | ||
| Q1 24 | -1.13× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ASRV
| Asset Management1 | $3.1M | 79% |
| Other | $838.0K | 21% |
ZDGE
| Zedge Marketplace | $7.1M | 94% |
| Other | $468.0K | 6% |
