American Bank (AMBK) AI Stock Analysis

• Market Cap: $82.80M
• Dividend Yield: 3.78%
• Average Volume (3M): 891.00
• Price to Earnings (P/E): 10.7
• Beta (1Y): 0.10
• Revenue Growth: -30.16%
• EPS Growth: -24.02%
• Country: US
• Employees: 46
• Sector: Financial
• Sector Strength: 78
• Industry: Banks - Regional
• EPS (TTM): 1.39
• Shares Outstanding: 5,585,141
• 10 Day Avg. Volume: 75
• 30 Day Avg. Volume: 891
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• Price to Cash Flow (P/CF): N/A
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

American Bank's stock demonstrates a solid overall performance driven by robust financials, particularly strong revenue growth and operational efficiency. Technical indicators show a positive trend supporting this outlook. The stock's valuation is attractive with a reasonable P/E ratio and a good dividend yield, enhancing its appeal.

American Bank Business Overview & Revenue Model

Company Description

American Bank (AMBK) is a financial institution that operates primarily in the banking sector, offering a wide range of financial products and services to individuals, businesses, and institutions. The bank provides traditional banking services such as savings and checking accounts, loans, credit cards, and mortgages. It also offers investment services, wealth management, and financial advisory to its clients, aiming to cater to diverse financial needs and promote financial well-being in its service areas.

How the Company Makes Money

American Bank (AMBK) generates revenue through multiple streams, with the primary source being interest income from loans and mortgages provided to individuals and businesses. This interest income forms the backbone of the bank's earnings as customers repay loans with interest over time. Additionally, AMBK earns non-interest income through fees and charges associated with account maintenance, transaction services, and credit card usage. The bank also benefits from investment income generated by managing a portfolio of securities and providing asset management services. Partnerships with other financial entities for co-branded credit cards and services further enhance its revenue streams. Overall, AMBK's earnings are driven by a combination of interest income, service fees, and investment returns, supported by strategic partnerships that expand its financial product offerings.

American Bank Financial Statement Overview

Summary

American Bank presents a stable financial performance with strong revenue growth and operational efficiency. However, the decline in net profit margin and the relatively low equity ratio suggest potential vulnerabilities. Cash flow metrics indicate moderate cash generation, which could be a concern if profitability does not improve.

Income Statement

American Bank has shown robust revenue growth with a revenue growth rate of 27.81% from 2022 to 2023. The gross profit margin remains strong at 100%, indicating efficient cost management. However, the net profit margin decreased to 22.76% from the previous year, suggesting increased expenses or other challenges impacting net income. EBIT and EBITDA margins are healthy, reflecting good operational performance.

Balance Sheet

The balance sheet reveals a moderate debt-to-equity ratio of 1.22, suggesting a balanced use of leverage. Return on equity is 10.37%, indicating decent profitability relative to shareholder equity. However, the equity ratio is low at 9.77%, which might pose a risk if assets depreciate or liabilities increase.

Cash Flow

Free cash flow growth is negative, indicating a decline in free cash flow. Operating cash flow to net income ratio is 0.67, suggesting that operating cash flow covers net income adequately but not robustly. The free cash flow to net income ratio of 0.58 indicates moderate cash generation relative to net income.

Breakdown
TTM	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement		Total Revenue
24.93M	40.89M	32.00M	29.81M	29.01M	27.40M
	Gross Profit
24.93M	40.89M	32.00M	29.81M	29.01M	27.40M
	EBIT
24.93M	11.66M	215.51K	188.44K	224.70K	-1.00
	EBITDA
21.74M	12.20M	3.00K	3.00K	3.00K	3.00K
	Net Income Common Stockholders
21.74M	9.31M	10.28M	10.53M	9.18M	8.35M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
0.00	-3.25M	-2.88M	-1.48M	-2.64M	-3.36M
	Total Assets
0.00	918.88M	927.28M	849.15M	734.29M	641.55M
	Total Debt
0.00	109.44M	159.63M	108.71M	113.05M	101.16M
	Net Debt
0.00	112.69M	143.17M	-10.38M	64.03M	75.75M
	Total Liabilities
82.81K	829.07M	845.38M	772.90M	667.93M	580.89M
	Stockholders Equity
35.47K	89.81M	81.91M	76.25M	66.36M	60.66M
Cash Flow		Free Cash Flow
0.00	5.37M	17.93M	5.48M	3.95M	6.46M
	Operating Cash Flow
0.00	6.25M	19.24M	9.07M	4.95M	7.59M
	Investing Cash Flow
0.00	37.32M	-178.65M	-44.49M	-64.98M	-23.21M
	Financing Cash Flow
0.00	-20.53M	56.78M	105.50M	82.72M	11.16M

American Bank Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 14.82
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AMBK, the sentiment is Negative. The current price of 14.82 is below the 20-day moving average (MA) of 15.04, below the 50-day MA of 14.95, and below the 200-day MA of 14.85, indicating a bearish trend. The MACD of -0.07 indicates Positive momentum. The RSI at 42.95 is Neutral, neither overbought nor oversold. The STOCH value of 48.57 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for AMBK.

American Bank Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CUBI	74 Outperform	$1.43B	8.95	10.44%	―	-3.61%	-29.58%
AMBK	74 Outperform	$82.80M	10.71	20.53%	3.78%	-30.16%	-24.02%
FULT	69 Neutral	$2.77B	9.67	10.60%	4.34%	21.45%	5.62%
BOH	68 Neutral	$2.59B	18.79	9.73%	4.31%	4.63%	-16.29%
HTLF	68 Neutral	$2.86B	37.40	3.98%	1.85%	-2.94%	-62.30%
FFIN	64 Neutral	$4.67B	20.23	14.60%	2.20%	16.01%	15.70%
Sector *	63 Neutral	$11.98B	9.29	8.14%	79.54%	12.87%	-5.13%