American Bank (AMBK) AI Stock Analysis

• Market Cap: $99.89M
• Dividend Yield: 3.28%
• Average Volume (3M): 212.00
• Price to Earnings (P/E): 7.1
• Beta (1Y): 0.06
• Revenue Growth: 116.37%
• EPS Growth: 52.93%
• Country: US
• Employees: 46
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 5,585,141
• 10 Day Avg. Volume: 130
• 30 Day Avg. Volume: 212
• PEG Ratio: 0.15
• Price to Book (P/B): 0.97
• Price to Sales (P/S): 1.73
• P/FCF Ratio: 14.37
• Enterprise Value/Market Cap: 1.72
• Enterprise Value/Revenue: 6.90
• Enterprise Value/Gross Profit: 6.90
• Enterprise Value/Ebitda: 7.84
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 74 Outperform
• Price Target: $20.00 ▲(15.74% Upside)
• Action: Upgraded Date: 03/27/26
• Date: Action: Upgraded 03/27/26

The score is driven primarily by solid financial performance (growth plus improving leverage), supported by a constructive technical uptrend. Valuation further lifts the outlook with a low P/E and a strong dividend yield, while margin pressure and cash-flow volatility temper the overall result.

Positive Factors

Sustained Revenue Growth

Consistent revenue expansion from ~$28.9M to ~$59.9M over five years indicates durable customer acquisition and product uptake. For a regional bank, sustained top-line growth supports scale economies, future fee and interest income resilience, and stronger reinvestment capacity over 2–6 months and beyond.

Negative Factors

Margin Compression

Eroding margins indicate the business is increasingly sensitive to funding costs, pricing pressure, or credit mix shifts. If sustained, margin compression can limit ability to convert revenue growth into proportional earnings and impair return on capital across upcoming quarters.

American Bank Business Overview & Revenue Model

Company Description

American Bank Incorporated operates as the bank holding company for American Bank that provides various banking products and services to consumer, business, institutional, and governmental customers. It accepts a range of interest-bearing checking...

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American Bank Incorporated operates as the bank holding company for American Bank that provides various banking products and services to consumer, business, institutional, and governmental customers. It accepts a range of interest-bearing checking...

How the Company Makes Money

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American Bank Financial Statement Overview

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	24.93M	59.94M	47.73M	40.39M	31.80M	29.72M
Gross Profit	24.93M	33.16M	25.74M	24.69M	25.33M	24.07M
EBITDA	21.96M	17.52M	11.79M	12.20M	13.13M	13.13M
Net Income	21.74M	13.54M	9.14M	9.44M	10.28M	10.53M
Balance Sheet
Total Assets	881.30M	1.08B	986.67M	918.88M	927.28M	849.15M
Cash, Cash Equivalents and Short-Term Investments	0.00	2.61M	69.18M	-3.25M	16.46M	119.09M
Total Debt	0.00	62.36M	78.11M	109.44M	121.96M	81.20M
Total Liabilities	881.30M	970.67M	890.63M	829.07M	845.38M	772.90M
Stockholders Equity	0.00	106.94M	96.04M	89.81M	81.91M	76.25M
Cash Flow
Free Cash Flow	0.00	7.21M	8.71M	5.37M	17.93M	8.88M
Operating Cash Flow	0.00	7.38M	8.96M	6.25M	19.24M	9.07M
Investing Cash Flow	0.00	-112.63M	-35.97M	37.32M	-178.65M	-44.49M
Financing Cash Flow	0.00	80.62M	56.68M	-20.53M	56.78M	105.50M

American Bank Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 17.28
• 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 17.28 is below the 20-day moving average (MA) of 17.71, below the 50-day MA of 17.53, and above the 200-day MA of 16.16, indicating a bullish trend. The MACD of 0.11 indicates Negative momentum. The RSI at 65.31 is Neutral, neither overbought nor oversold. The STOCH value of 47.83 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
AMBK	74 Outperform	$99.89M	7.09	15.25%	3.28%	116.37%	52.93%
SSBI	68 Neutral	$89.27M	11.51	6.89%	―	-0.81%	-129.22%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
AUBN	66 Neutral	$82.73M	12.98	8.27%	4.16%	24.17%	739.42%
PBHC	51 Neutral	$80.48M	-25.99	-2.75%	2.86%	0.84%	―