ABN AMRO Bank (AAVMY)
OTHER OTC:AAVMY
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ABN AMRO Bank
(OTC:AAVMY)
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Rating:60Neutral
Price Target:
$33.00
â–¼(-2.54% Downside)
Action:ReiteratedDate:03/15/26
The score is primarily capped by mixed financial quality (high leverage and historically volatile cash flow) and weak technical momentum. Offsetting these are a constructive earnings-call backdrop with strong capital/actions on distributions and a reasonable valuation supported by a mid-single-digit dividend yield and modest P/E.
Positive Factors
Capital Strength & RWA Optimization
A CET1 ratio of 15.4% well above the >13.75% target and ~EUR 7.7bn of RWA reductions provide a lasting capital buffer. This improves resilience to shocks, supports consistent distributions, and gives scope for targeted M&A or buybacks without immediate solvency strain.
Negative Factors
High Balance Sheet Leverage
Consistently elevated leverage raises sensitivity to credit shocks and interest‑rate swings. High debt-to-equity constrains strategic flexibility, increases vulnerability to funding stress, and means capital can erode faster in downturns, pressure that persists across cycles.
Read all positive and negative factors
Positive Factors
Negative Factors
Capital Strength & RWA Optimization
A CET1 ratio of 15.4% well above the >13.75% target and ~EUR 7.7bn of RWA reductions provide a lasting capital buffer. This improves resilience to shocks, supports consistent distributions, and gives scope for targeted M&A or buybacks without immediate solvency strain.
Read all positive factors
ABN AMRO Bank (AAVMY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$25.04B
Dividend Yield4.27%
Average Volume (3M)365.00
Price to Earnings (P/E)14.9
Beta (1Y)0.66
Revenue Growth-11.00%
EPS Growth-10.26%
CountryUS
Employees21,976
SectorFinancial
Sector Strength70
IndustryBanks - Diversified
Share Statistics
EPS (TTM)0.58
Shares Outstanding616,154,540
10 Day Avg. Volume0
30 Day Avg. Volume365
Financial Highlights & Ratios
PEG Ratio-0.83
Price to Book (P/B)0.91
Price to Sales (P/S)1.46
P/FCF Ratio5.92
Enterprise Value/Market Cap2.07
Enterprise Value/Revenue3.78
Enterprise Value/Gross Profit5.90
Enterprise Value/Ebitda15.49
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
ABN AMRO Bank Business Overview & Revenue Model
Company Description
ABN AMRO Bank N.V. provides various banking products and services to retail, private, and business clients in the Netherlands and internationally. It operates through three segments: Personal & Business Banking, Wealth Management, and Corporate Ba...
How the Company Makes Money
ABN AMRO makes money primarily through (1) net interest income—earning interest on loans and other interest-earning assets (notably residential mortgages, consumer loans, and corporate lending) and paying interest on funding sources such as custom...
ABN AMRO Bank Earnings Call Summary
Earnings Call Date:Feb 11, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:May 20, 2026
Earnings Call Sentiment Positive
The call communicated a strong operational quarter and material strategic progress: robust profit (EUR 410m Q4), significant RWA reduction (~EUR 7.7bn), improving capital (CET1 15.4%), healthy deposit and client asset inflows (EUR 8.3bn deposits, ~EUR 7bn client assets in Q4), and clear cost-savings momentum. Headwinds include mortgage margin pressure, one-off Q4 impairments (EUR 70m), seasonal/one-off cost items and some weakness in other income. Management retained conservative 2026 guidance (commercial NII ~EUR 6.4bn; costs ~EUR 5.6bn) and highlighted timing/approval uncertainty around the NIBC acquisition and buyback. Overall, positives materially outweigh the negatives, with the bank portraying strong capital and execution while flagging manageable near-term volatility and integration/cost timing risks.Positive Updates
Solid Quarterly and Full-Year Profit
Q4 net profit of EUR 410 million; full-year NII ended in line with guidance. Net result supported by strong NII and fee income.
Negative Updates
Mortgage Margin Pressure
Mortgage margins slightly declining due to client demand for mortgages under the National Mortgage Guarantee Scheme and mix effects (higher share of Dutch-guaranteed and low-LTV mortgages); management expects margin pressure to partially offset volume growth.
Read all updates
Q4-2025 Updates
Positive
Negative
Solid Quarterly and Full-Year Profit
Q4 net profit of EUR 410 million; full-year NII ended in line with guidance. Net result supported by strong NII and fee income.
Read all positive updates
Company Guidance
ABN AMRO reiterated its 2026 guidance: commercial NII around EUR 6.4 billion and operating costs about EUR 5.6 billion (ex‑restructuring), with HAL adding ~EUR 135 million of full‑year costs and Alfam’s ~EUR 60 million NII phasing treated separately; residual/other NII is expected in a EUR 0–200 million range and full‑year NII finished 2025 in line with guidance. Capital and capital return guidance: CET1 target >13.75% (Q4 CET1 15.4%; NIBC expected to reduce CET1 by ~80 bps), a distribution policy of up to 100% of net profit for 2026–28, and an announced 2025 payout of ~EUR 1.8 billion (87% payout) including interim EUR 0.54 and proposed final EUR 0.70 per share plus EUR 500 million additional distributions (EUR 250m cash / EUR 250m buyback subject to approval). RWA and risk guidance: Q4 RWA fell ~EUR 7.7 billion (end‑2025 RWA ≈ EUR 135 billion), Corporate Banking achieved ~EUR 3 billion of RWA optimization and targets ~50% allocated RWAs by 2028, cost of risk is normalizing toward the low end of a 10–15 bps through‑the‑cycle range (2025 full‑year cost of risk 1 bp; Q4 impairments EUR 70 million), and the replicating portfolio remains ~EUR 165 billion (40–45% repricing within 1 year); management noted curve steepening could provide limited NII tailwinds but expects only modest, phased upside.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 | 13.72B | 16.88B | 19.50B | 8.78B | 10.15B | 7.64B |
| Gross Profit | 8.79B | 8.76B | 8.94B | 8.59B | 7.64B | 7.64B |
| EBITDA | 3.35B | 3.27B | 3.58B | 0.00 | 2.55B | 2.03B |
| Net Income | 2.31B | 2.25B | 2.40B | 2.70B | 1.87B | 1.23B |
Balance Sheet | ||||||
| Total Assets | 413.92B | 413.21B | 385.05B | 377.91B | 379.58B | 399.11B |
| Cash, Cash Equivalents and Short-Term Investments | 49.39B | 51.53B | 45.80B | 55.05B | 62.84B | 68.25B |
| Total Debt | 83.60B | 79.02B | 81.54B | 54.44B | 63.96B | 67.72B |
| Total Liabilities | 386.44B | 386.17B | 358.94B | 353.74B | 356.77B | 377.11B |
| Stockholders Equity | 27.48B | 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
Negative
33.86
Price Trends
33.92
Negative
33.81
Negative
31.48
Negative
Market Momentum
-0.83
Negative
37.82
Neutral
16.06
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AAVMY, the sentiment is Negative. The current price of 33.86 is above the 20-day moving average (MA) of 31.46, below the 50-day MA of 33.92, and above the 200-day MA of 31.48, indicating a bearish trend. The MACD of -0.83 indicates Negative momentum. The RSI at 37.82 is Neutral, neither overbought nor oversold. The STOCH value of 16.06 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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 | $2.07B | 8.94 | 21.21% | 3.70% | -0.09% | 18.47% | |
72 Outperform | $117.55B | 11.69 | 18.53% | 3.27% | 7.52% | 10.40% | |
71 Outperform | $71.00B | 11.24 | 12.46% | 4.14% | 2.20% | -0.17% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
60 Neutral | $25.04B | 14.91 | 8.57% | 4.27% | -11.00% | -10.26% | |
60 Neutral | $69.73B | 9.29 | 9.41% | 1.71% | 17.50% | 49.25% | |
58 Neutral | $57.42B | 4.48 | 14.33% | 3.67% | 7.43% | 30.31% |
* Financial Sector Average
AAVMY
ABN AMRO Bank
30.40
10.41
52.08%
BBVA
Banco Bilbao
20.33
7.23
55.25%
BCS
Barclays
20.21
5.11
33.84%
ING
ING Groep
24.77
6.21
33.46%
NWG
NatWest Group
14.31
3.01
26.58%
NTB
Bank of NT Butterfield & Son
51.77
14.47
38.77%
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.