American Bank (AMBK) AI Stock Analysis

• Market Cap: $83.36M
• Dividend Yield: 3.75%
• Average Volume (3M): 156.00
• Price to Earnings (P/E): 10.8
• Beta (1Y): 0.10
• Revenue Growth: 1.99%
• EPS Growth: -4.56%
• Country: US
• Employees: 46
• Sector: Financial
• Sector Strength: 87
• Industry: Banks - Regional
• EPS (TTM): 1.39
• Shares Outstanding: 5,585,141
• 10 Day Avg. Volume: 14
• 30 Day Avg. Volume: 156
• PEG Ratio: -10.37
• Price to Book (P/B): 0.91
• Price to Sales (P/S): 0.00
• 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 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 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: Positive
• Last Price: 14.92
• 50DMA: Negative
• 100DMA: Negative
• 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 14.92 is above the 20-day moving average (MA) of 14.85, below the 50-day MA of 14.96, and above the 200-day MA of 14.82, indicating a neutral trend. The MACD of <0.01 indicates Negative momentum. The RSI at 53.17 is Neutral, neither overbought nor oversold. The STOCH value of 68.00 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
MGYR	75 Outperform	$99.78M	10.61	8.11%	1.39%	20.91%	20.23%
Sector *	64 Neutral	$12.82B	9.87	7.67%	17000.34%	12.39%	-5.85%
LSBK	63 Neutral	$86.38M	17.38	5.61%	4.77%	1.75%	22.21%
IROQ	59 Neutral	$81.00M	23.72	4.35%	1.65%	11.65%	67.39%
UBCP	59 Neutral	$75.03M	10.50	11.29%	5.52%	5.81%	-22.37%
AMBK	58 Neutral	$83.36M	10.78	20.53%	3.75%	1.99%	-4.56%
BSBK	41 Neutral	$90.67M	―	-0.73%	―	-9.96%	-23.54%