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ABN AMRO Bank
(OTC:AAVMY)
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Rating:62Neutral
Price Target:
$51.00
â–²(18.06% Upside)
Action:Reiterated
Date:08/17/26
The score is driven primarily by mixed financial fundamentals (solid profitability but high leverage and volatile cash flows). Technicals are supportive with a clear uptrend, though momentum is overextended. Valuation is reasonable with a mid-teens P/E and a moderate dividend, while the latest earnings call was a net positive due to raised NII guidance and improved cost outlook, tempered by capital and margin headwinds.
Positive Factors
Raised net interest income outlook
Higher NII guidance supports the bank’s core earnings outlook and indicates that lending, deposit and acquired NIBC activities can sustain revenue over the next several quarters.
Negative Factors
Persistently high leverage
High leverage leaves the bank more sensitive to credit deterioration, funding conditions and earnings volatility, limiting financial flexibility despite recent equity growth and positive returns.
Read all positive and negative factors
Positive Factors
Negative Factors
Raised net interest income outlook
Higher NII guidance supports the bank’s core earnings outlook and indicates that lending, deposit and acquired NIBC activities can sustain revenue over the next several quarters.
Read all positive factors
ABN AMRO Bank (AAVMY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$38.44B
Dividend Yield1.64%
Average Volume (3M)365.00
Price to Earnings (P/E)14.0
Beta (1Y)0.78
Revenue Growth4.21%
EPS Growth19.31%
CountryUS
Employees25,342
SectorFinancial
Sector Strength70
IndustryBanks - Diversified
Share Statistics
EPS (TTM)2.92
Shares Outstanding648,817,300
10 Day Avg. Volume0
30 Day Avg. Volume365
Financial Highlights & Ratios
PEG Ratio-0.97
Price to Book (P/B)0.91
Price to Sales (P/S)1.46
P/FCF Ratio5.92
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)3.59
Revenue Forecast (FY)$10.95B
ABN AMRO Bank Business Overview & Revenue Model
Company Description
ABN AMRO Bank N.V. is a financial institution offering a broad spectrum of banking solutions. It caters to individual consumers, affluent private clients, and corporate enterprises, both within the Netherlands and across international markets. The...
How the Company Makes Money
ABN AMRO primarily makes money by earning net interest income and fee-based income from banking and wealth-related services, supplemented by trading/market-related income and other revenues.
1) Net interest income (interest margin): A core earnin...
ABN AMRO Bank Earnings Call Summary
Earnings Call Date:Aug 12, 2026
(Q2-2026)
| % Change Since: |
Next Earnings Date:Nov 11, 2026
Earnings Call Sentiment Positive
The call conveyed a predominantly positive operational and financial performance: materially higher net profit, improved ROE, raised commercial NII guidance, record fees, client asset and deposit growth, cost discipline ahead of plan and a strong pro forma CET1 ratio. Challenges and risks were acknowledged — near-term CET1 dilution from NIBC consolidation, mortgage margin pressure, a decline in Stage 3 coverage, volatility in other commercial NII, and cost/CLA uncertainty — but these appear manageable within the bank's strategic plan and capital buffer. On balance, the positive developments and upgraded guidance outweigh the lowlights.Positive Updates
Strong Net Profit and Improved Returns
Net profit increased almost 30% year-on-year to EUR 781 million; return on equity improved to 12.1%; year-to-date pro forma ROE 10.9%.
Negative Updates
Near-Term CET1 Dilution from NIBC Consolidation
Consolidating NIBC will add ~EUR 6.6 billion of RWAs next quarter and is expected to reduce the CET1 ratio by around 70–75 basis points in the near term.
Read all updates
Q2-2026 Updates
Positive
Negative
Strong Net Profit and Improved Returns
Net profit increased almost 30% year-on-year to EUR 781 million; return on equity improved to 12.1%; year-to-date pro forma ROE 10.9%.
Read all positive updates
Company Guidance
ABN AMRO raised its full‑year 2026 commercial net interest income guidance to around EUR 6.8 billion (now including NIBC) and expects other commercial NII of about EUR 0.6 billion (c. EUR 450m underlying plus just under EUR 150m from NIBC); headline operating expenses guidance was lowered to around EUR 5.5 billion for 2026 (including NIBC, excluding restructuring and incidentals); the bank will conduct its capital assessment in Q4 under a distribution policy of up to 100% of net profit, remains committed to returning at least EUR 7.5 billion and set an interim dividend of EUR 0.68 per share (40% of year‑to‑date net profit); pro‑forma CET1 was 15.9% (reported 15.3%) after realizing about EUR 9 billion of RWA optimization YTD (≈EUR 2bn this quarter, EUR 6bn from Corporate Banking, >60% of that division’s ambition); key RWA items ahead include NIBC consolidation (+≈EUR 6.6bn RWA, ~70–75bps CET1 impact next quarter), termination of the DNB mortgage floor (−≈EUR 7bn RWA in Q4), an EBA property loss‑rate update (−≈EUR 1.5bn in Q3) and the Alfam sale (−≈EUR 1bn in Q4); credit guidance/metrics remain healthy with cost of risk ~4bps, Stage‑3 ratio 2.1% and Stage‑3 coverage ≈14%, while management reiterated its EUR 900m 2028 savings target (≈EUR 300m realized so far) and a Wealth net‑new‑assets run rate target of EUR 5–7 billion p.a.ABN AMRO Bank Financial Statement Overview
Summary
Income Statement
66
Positive
Balance Sheet
54
Neutral
Cash Flow
43
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 17.73B | 16.88B | 19.50B | 8.78B | 10.15B | 7.64B |
| Gross Profit | 9.52B | 8.76B | 8.94B | 8.59B | 7.64B | 7.64B |
| EBITDA | 3.60B | 3.27B | 3.58B | 0.00 | 2.55B | 2.03B |
| Net Income | 2.53B | 2.25B | 2.40B | 2.70B | 1.87B | 1.23B |
Balance Sheet | ||||||
| Total Assets | 456.81B | 413.21B | 385.05B | 377.91B | 379.58B | 399.11B |
| Cash, Cash Equivalents and Short-Term Investments | 35.24B | 51.53B | 45.80B | 55.05B | 62.84B | 68.25B |
| Total Debt | 117.00B | 79.02B | 81.54B | 54.44B | 63.96B | 67.72B |
| Total Liabilities | 432.71B | 386.17B | 358.94B | 353.74B | 356.77B | 377.11B |
| Stockholders Equity | 24.10B | 27.04B | 26.11B | 24.17B | 22.81B | 21.99B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 4.17B | -11.25B | -9.32B | -8.33B | 9.40B |
| Operating Cash Flow | 0.00 | 4.45B | -10.79B | -7.82B | -8.14B | 9.60B |
| Investing Cash Flow | 0.00 | -16.40B | -4.81B | -1.72B | -239.00M | 3.86B |
| Financing Cash Flow | 0.00 | 16.78B | 6.16B | 2.01B | 2.95B | -7.38B |
ABN AMRO Bank Technical Analysis
Positive
43.20
Price Trends
44.03
Positive
39.91
Positive
36.43
Positive
Market Momentum
1.17
Positive
60.40
Neutral
39.96
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AAVMY, the sentiment is Positive. The current price of 43.2 is below the 20-day moving average (MA) of 46.02, below the 50-day MA of 44.03, and above the 200-day MA of 36.43, indicating a bullish trend. The MACD of 1.17 indicates Positive momentum. The RSI at 60.40 is Neutral, neither overbought nor oversold. The STOCH value of 39.96 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AAVMY.
ABN AMRO Bank Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $161.40B | 12.86 | 19.31% | 4.15% | -2.29% | 14.33% | |
72 Outperform | $74.13B | 7.20 | 16.16% | 4.87% | 6.60% | 29.61% | |
71 Outperform | $97.14B | 12.97 | 13.38% | 4.46% | 12.60% | 24.01% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $90.45B | 10.13 | 10.11% | 1.61% | 12.33% | 22.63% | |
65 Neutral | $219.96B | 11.31 | 15.48% | 2.24% | 16.84% | 33.67% | |
62 Neutral | $38.44B | 13.97 | 10.15% | 4.15% | 4.21% | 19.31% |
* Financial Sector Average
AAVMY
ABN AMRO Bank
47.38
18.64
64.85%
BBVA
Banco Bilbao
29.21
11.28
62.95%
BCS
Barclays
26.97
7.01
35.13%
ING
ING Groep
35.03
11.61
49.54%
NWG
NatWest Group
18.73
4.20
28.90%
SAN
Banco Santander SA
14.72
5.29
56.15%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.