American Bank (AMBK) AI Stock Analysis

• Market Cap: $94.61M
• Dividend Yield: 3.38%
• Average Volume (3M): 212.00
• Price to Earnings (P/E): 9.7
• Beta (1Y): 0.10
• Revenue Growth: 116.37%
• EPS Growth: 52.93%
• Country: US
• Employees: 46
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.65
• Shares Outstanding: 5,585,141
• 10 Day Avg. Volume: 130
• 30 Day Avg. Volume: 212
• PEG Ratio: -3.73
• Price to Book (P/B): 0.96
• Price to Sales (P/S): 3.58
• P/FCF Ratio: 10.58
• Enterprise Value/Market Cap: 1.00
• Enterprise Value/Revenue: 3.81
• Enterprise Value/Gross Profit: 3.81
• Enterprise Value/Ebitda: 4.33
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 67 Neutral
• Price Target: $17.50 ▲(5.04% Upside)

American Bank's overall stock score is driven by its strong financial performance, particularly the elimination of debt and solid cash flow generation. The valuation is attractive with a reasonable P/E ratio and a good dividend yield. Technical analysis shows mixed signals, with some positive momentum indicators but neutral overall. The absence of earnings call data and corporate events limits further insights.

Positive Factors

Balance Sheet Health

A debt-free balance sheet enhances financial stability and flexibility, allowing American Bank to invest in growth opportunities without the burden of interest payments.

Cash Generation

Improved cash flow generation indicates effective cash management and supports the bank's ability to fund operations, pay dividends, and invest in strategic initiatives.

Revenue Growth

Consistent revenue growth reflects the bank's ability to expand its market presence and enhance its service offerings, contributing to long-term business sustainability.

Negative Factors

EBIT Margin Decline

A decline in EBIT margin suggests potential challenges in cost management or pricing power, which could impact profitability if not addressed.

Gross Profit Margin Decrease

A decreasing gross profit margin may indicate rising costs or competitive pressures, which could affect the bank's ability to maintain profitability.

Lack of EBITDA Data

Without EBITDA data, it is challenging to fully assess operational efficiency and profitability, potentially obscuring areas needing improvement.

American Bank Business Overview & Revenue Model

Company Description

American Bank (AMBK) is a financial institution that provides a wide range of banking services to individuals, businesses, and communities across the United States. The bank operates primarily in the retail banking sector, offering products such as savings and checking accounts, personal loans, mortgages, and commercial banking services. AMBK is dedicated to enhancing financial literacy and fostering economic growth in the regions it serves, positioning itself as a trusted partner for its customers' financial needs.

How the Company Makes Money

American Bank generates revenue through multiple key streams, primarily focusing on interest income from loans and fees associated with various banking services. The bank earns interest from personal loans, mortgages, and business loans, which typically have higher interest rates compared to the interest paid on customer deposits. Additionally, AMBK collects fees from account maintenance, ATM transactions, and overdraft services, contributing to its non-interest income. The institution may also engage in wealth management services and investment products, offering advisory services that generate further fees. Strategic partnerships with financial technology firms or local businesses can enhance customer engagement and offer new revenue opportunities, while effective risk management practices help optimize 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	47.73M	40.39M	31.80M	29.72M	28.91M
Gross Profit	24.93M	25.74M	24.69M	25.33M	24.07M	22.02M
EBITDA	21.96M	11.79M	12.20M	13.13M	13.13M	11.27M
Net Income	21.74M	9.14M	9.44M	10.28M	10.53M	9.18M
Balance Sheet
Total Assets	881.30M	986.67M	918.88M	927.28M	849.15M	734.29M
Cash, Cash Equivalents and Short-Term Investments	0.00	69.18M	-3.25M	16.46M	119.09M	49.02M
Total Debt	0.00	78.11M	109.44M	121.96M	81.20M	85.09M
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	8.88M	4.85M
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	-64.08M
Financing Cash Flow	0.00	56.68M	-20.53M	56.78M	105.50M	82.74M

American Bank Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 16.66
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• 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 Positive. The current price of 16.66 is below the 20-day moving average (MA) of 16.84, above the 50-day MA of 16.38, and above the 200-day MA of 15.39, indicating a neutral trend. The MACD of 0.02 indicates Positive momentum. The RSI at 50.07 is Neutral, neither overbought nor oversold. The STOCH value of 27.42 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
AUBN	72 Outperform	$90.45M	12.65	8.22%	4.32%	24.17%	739.42%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
AMBK	67 Neutral	$94.61M	9.67	27.52%	3.38%	116.37%	52.93%
IROQ	66 Neutral	$87.31M	16.63	6.20%	1.52%	1.93%	157.35%
CFSB	54 Neutral	―	―	-0.35%	―	11.64%	-913.46%
PBHC	49 Neutral	$93.33M	84.38	2.26%	2.68%	0.84%	―
SSBI	45 Neutral	$72.44M	-51.32	-1.41%	―	-0.81%	-129.22%