American Bank (AMBK) AI Stock Analysis

• Market Cap: $83.08M
• Dividend Yield: 3.76%
• Average Volume (3M): 334.00
• Price to Earnings (P/E): 10.7
• Beta (1Y): 0.11
• Revenue Growth: 1.99%
• EPS Growth: -4.56%
• Country: US
• Employees: 46
• Sector: Financial
• Sector Strength: 76
• Industry: Banks - Regional
• EPS (TTM): 1.39
• Shares Outstanding: 5,585,141
• 10 Day Avg. Volume: 332
• 30 Day Avg. Volume: 334
• PEG Ratio: 0.49
• Price to Book (P/B): 1.10
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 10.35
• Enterprise Value/Market Cap: 1.72
• Enterprise Value/Revenue: 1.74
• Enterprise Value/Gross Profit: 5.72
• Enterprise Value/Ebitda: 1.82
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 58 Neutral
• Price Target: ―

American Bank displays strong financial health with consistent profitability, no debt, and solid cash flow growth. However, the technical analysis indicates a bearish trend, signaling potential price weakness. While the valuation metrics suggest the stock is undervalued, the overall stock score is tempered by weak market momentum. Investors should weigh the company's financial strengths against the current negative technical indicators.

American Bank Business Overview & Revenue Model

Company Description

American Bank (AMBK) is a financial institution headquartered in the United States. It operates in the banking sector, offering a wide range of financial services including personal and commercial banking, mortgage lending, asset management, and investment services. The bank is committed to providing innovative financial solutions to individuals, small businesses, and large corporations, aiming to enhance financial stability and growth for its clients.

How the Company Makes Money

American Bank (AMBK) generates revenue through multiple streams. A significant portion of its income comes from interest earned on loans provided to individuals and businesses, including personal loans, mortgages, and commercial loans. The bank also earns money from fees charged for various banking services such as account maintenance, overdraft protection, and transaction processing. Additionally, AMBK benefits from investment services, earning fees and commissions on asset management and financial advisory services. The bank may also form strategic partnerships with other financial institutions to offer co-branded products, further diversifying its income sources. Economic factors, interest rates, and regulatory changes significantly impact AMBK's earnings, influencing its ability to grow and maintain profitability.

American Bank Financial Statement Overview

Summary

American Bank's financial position is solid, characterized by consistent profitability and strong cash flows. The elimination of debt markedly enhances the balance sheet health, while revenue growth and stable net margins support a positive outlook. However, the lack of EBITDA data for 2024 and a slight decline in EBIT margin highlight areas for potential improvement.

Income Statement

American Bank showed moderate revenue growth of 4.2% from 2023 to 2024, with a consistent net profit margin of approximately 35.5% in 2024. However, the gross profit margin decreased due to reduced gross profit, and EBIT margin slightly declined from 47.2% to 44.5%. The absence of EBITDA data for 2024 limits a comprehensive assessment of operational efficiency.

Balance Sheet

The balance sheet is strong with a debt-to-equity ratio of 0, reflecting no debt in 2024, which significantly improves the financial stability of American Bank. ROE remained solid at 9.5%, and the equity ratio improved from 9.8% to 9.7%. The strengthening equity position is a positive sign of financial health.

Cash Flow

Operating cash flow improved by 43.5% from 2023 to 2024, indicating better cash generation. Free cash flow also grew significantly by 62.2%, reflecting enhanced cash management. The operating cash flow to net income ratio of 0.98 indicates a strong cash conversion from earnings.

Breakdown
TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
24.93M	25.74M	24.69M	32.00M	29.81M	22.02M
	Gross Profit
24.93M	25.74M	24.69M	25.33M	24.07M	22.02M
	EBIT
24.93M	11.46M	11.66M	12.69M	12.71M	10.84M
	EBITDA
21.74M	11.79M	12.20M	13.13M	13.13M	3.00K
	Net Income Common Stockholders
21.74M	9.14M	9.44M	10.28M	10.53M	9.18M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
0.00	69.18M	39.50M	-2.88M	-1.48M	-2.64M
	Total Assets
881.30M	986.67M	918.88M	927.28M	849.15M	734.29M
	Total Debt
0.00	0.00	109.44M	159.63M	108.71M	113.05M
	Net Debt
0.00	-69.18M	-39.50M	143.17M	-10.38M	64.03M
	Total Liabilities
881.30M	890.63M	829.07M	845.38M	772.90M	667.93M
	Stockholders Equity
0.00	96.04M	89.81M	81.91M	76.25M	66.36M
Cash Flow		Free Cash Flow
0.00	8.71M	5.37M	17.93M	5.48M	3.95M
	Operating Cash Flow
0.00	8.96M	6.25M	19.24M	9.07M	4.95M
	Investing Cash Flow
0.00	-35.97M	37.32M	-178.65M	-44.49M	-64.98M
	Financing Cash Flow
0.00	56.68M	-20.53M	56.78M	105.50M	82.72M

American Bank Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 14.88
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AMBK, the sentiment is Positive. The current price of 14.88 is above the 20-day moving average (MA) of 14.77, above the 50-day MA of 14.73, and above the 200-day MA of 14.71, indicating a bullish trend. The MACD of 0.03 indicates Negative momentum. The RSI at 57.68 is Neutral, neither overbought nor oversold. The STOCH value of 52.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AMBK.

American Bank Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
LSBK	73 Outperform	$89.09M	18.07	5.61%	4.60%	1.62%	21.82%
IROQ	73 Outperform	$83.72M	24.45	4.35%	1.60%	11.65%	67.39%
UBCP	70 Outperform	$79.61M	11.14	11.29%	5.20%	5.81%	-22.37%
MGYR	68 Neutral	$105.48M	11.46	8.11%	1.47%	20.91%	20.30%
Sector *	65 Neutral	$12.76B	9.91	7.89%	78.91%	12.06%	-7.95%
AMBK	58 Neutral	$83.08M	10.75	20.53%	3.76%	1.99%	-4.56%
BSBK	56 Neutral	$102.25M	―	-0.73%	―	-9.96%	-23.54%