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American Business Bank (AMBZ)
OTHER OTC:AMBZ
US Market
AMBZ
American Business Bank
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American Business Bank (AMBZ) Ratios

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American Business Bank Ratios

AMBZ's free cash flow for Q2 2025 was $0.77. For the 2025 fiscal year, AMBZ's free cash flow was decreased by $ and operating cash flow was $0.37. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 0.19 0.05 0.19 0.22
Quick Ratio
 0.00 0.19 0.05 0.19 0.22
Cash Ratio
 0.00 0.06 0.04 0.01 0.01
Solvency Ratio
 0.01 0.01 0.01 0.01 0.01
Operating Cash Flow Ratio
 0.00 0.02 0.02 0.02 0.02
Short-Term Operating Cash Flow Coverage
 0.00 0.00 20.45 0.00 0.00
Net Current Asset Value
$ -3.89B$ -3.26B$ -3.57B$ -2.90B$ -2.84B
Leverage Ratios
Debt-to-Assets Ratio
 0.00 0.00 <0.01 0.01 0.04
Debt-to-Equity Ratio
 0.00 0.00 0.05 0.18 0.61
Debt-to-Capital Ratio
 0.00 0.00 0.04 0.15 0.38
Long-Term Debt-to-Capital Ratio
 0.00 0.00 0.00 0.15 0.38
Financial Leverage Ratio
 10.37 10.72 11.40 12.43 15.09
Debt Service Coverage Ratio
 1.91 1.25 15.29 1.27 19.26
Interest Coverage Ratio
 2.63 1.74 0.00 1.63 24.70
Debt to Market Cap
 0.00 0.00 <0.01 0.17 0.43
Interest Debt Per Share
 3.36 4.72 1.80 10.03 17.34
Net Debt to EBITDA
 -0.77 -3.27 -1.41 0.19 1.70
Profitability Margins
Gross Profit Margin
58.65%76.92%71.49%75.82%94.64%
EBIT Margin
39.13%37.67%32.84%36.14%49.47%
EBITDA Margin
39.13%37.67%32.84%38.03%51.92%
Operating Profit Margin
39.13%37.67%36.17%36.14%49.47%
Pretax Profit Margin
39.13%37.67%32.84%36.14%49.47%
Net Profit Margin
28.46%27.19%23.62%26.17%36.11%
Continuous Operations Profit Margin
28.46%27.19%23.62%26.17%36.11%
Net Income Per EBT
72.72%72.18%71.91%72.41%73.00%
EBT Per EBIT
100.00%100.00%90.80%100.00%100.00%
Return on Assets (ROA)
1.33%1.23%1.07%1.13%1.26%
Return on Equity (ROE)
14.54%13.18%12.20%14.00%19.08%
Return on Capital Employed (ROCE)
1.83%16.59%3.87%16.45%15.99%
Return on Invested Capital (ROIC)
1.33%11.98%2.61%11.91%11.67%
Return on Tangible Assets
1.33%1.23%1.07%1.13%1.26%
Earnings Yield
8.87%9.12%10.62%13.40%13.41%
Efficiency Ratios
Receivables Turnover
 0.00 0.00 0.00 5.18 4.55
Payables Turnover
 0.00 0.00 0.00 1.12 0.21
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 46.20 42.18 10.74 36.60 23.99
Asset Turnover
 0.05 0.05 0.05 0.04 0.04
Working Capital Turnover Ratio
 -0.13 -0.07 -0.07 -0.06 -0.06
Cash Conversion Cycle
 0.00 0.00 0.00 -255.46 -1.64K
Days of Sales Outstanding
 0.00 0.00 0.00 70.40 80.26
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 325.86 1.72K
Operating Cycle
 0.00 0.00 0.00 70.40 80.26
Cash Flow Ratios
Operating Cash Flow Per Share
 0.00 7.76 6.25 6.28 7.18
Free Cash Flow Per Share
 0.00 7.61 6.05 6.22 7.10
CapEx Per Share
 0.00 0.14 0.20 0.06 0.09
Free Cash Flow to Operating Cash Flow
 0.00 0.98 0.97 0.99 0.99
Dividend Paid and CapEx Coverage Ratio
 0.00 6.89 31.52 106.00 81.91
Capital Expenditure Coverage Ratio
 0.00 54.06 31.52 106.00 81.91
Operating Cash Flow Coverage Ratio
 0.00 0.00 3.47 1.05 0.42
Operating Cash Flow to Sales Ratio
 0.00 0.36 0.32 0.34 0.49
Free Cash Flow Yield
0.00%11.75%13.75%17.42%17.83%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 11.27 10.96 9.42 7.46 7.45
Price-to-Sales (P/S) Ratio
 3.15 2.98 2.22 1.95 2.69
Price-to-Book (P/B) Ratio
 1.56 1.44 1.15 1.04 1.42
Price-to-Free Cash Flow (P/FCF) Ratio
 0.00 8.51 7.28 5.74 5.61
Price-to-Operating Cash Flow Ratio
 0.00 8.36 7.04 5.69 5.54
Price-to-Earnings Growth (PEG) Ratio
 0.35 0.41 -4.09 -0.71 0.34
Price-to-Fair Value
 1.56 1.44 1.15 1.04 1.42
Enterprise Value Multiple
 7.27 4.64 5.36 5.32 6.88
Enterprise Value
 581.63M 348.53M 322.68M 339.98M 480.41M
EV to EBITDA
 7.27 4.64 5.36 5.32 6.88
EV to Sales
 2.84 1.75 1.76 2.02 3.57
EV to Free Cash Flow
 0.00 4.99 5.76 5.95 7.44
EV to Operating Cash Flow
 0.00 4.90 5.58 5.89 7.35
Tangible Book Value Per Share
 46.48 44.85 38.29 34.17 27.98
Shareholders’ Equity Per Share
 46.48 44.85 38.29 34.17 27.98
Tax and Other Ratios
Effective Tax Rate
 0.27 0.28 0.28 0.28 0.27
Revenue Per Share
 22.54 21.75 19.78 18.27 14.79
Net Income Per Share
 6.41 5.91 4.67 4.78 5.34
Tax Burden
 0.73 0.72 0.72 0.72 0.73
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.22 0.28 0.35 0.27 0.31
Stock-Based Compensation to Revenue
 0.01 0.00 0.00 0.01 0.02
Income Quality
 0.00 1.31 1.34 1.31 1.35
Currency in USD