American Business Bank (AMBZ)
OTHER OTC:AMBZ
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American Business Bank
(OTC:AMBZ)
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Rating:76Outperform
Price Target:
$81.00
â–²(26.76% Upside)
Action:ReiteratedDate:04/09/26
Overall score is driven primarily by solid financial performance (growth, profitability, and reduced leverage) and an attractive valuation (low P/E with a dividend). Technicals are supportive of the broader uptrend but tempered by overbought momentum signals (high RSI/Stoch), which adds near-term caution.
Positive Factors
Consistent revenue growth
A sustained doubling of revenue over five years indicates durable top-line momentum and expanding customer or loan volumes. This scale growth supports operating leverage, diversifies income sources, and underpins multi-year planning for investments and dividend capacity.
Negative Factors
Margin compression
Declining margins versus peak levels reduce long-term profitability and operating cushion. If compression persists, it can pressure returns on equity and limit reinvestment ability, making earnings more sensitive to revenue or expense shocks over the next several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent revenue growth
A sustained doubling of revenue over five years indicates durable top-line momentum and expanding customer or loan volumes. This scale growth supports operating leverage, diversifies income sources, and underpins multi-year planning for investments and dividend capacity.
Read all positive factors
American Business Bank (AMBZ) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$658.30M
Dividend Yield1.56%
Average Volume (3M)7.38K
Price to Earnings (P/E)10.1
Beta (1Y)0.06
Revenue Growth9.47%
EPS Growth32.62%
CountryUS
Employees252
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)5.22
Shares Outstanding9,100,023
10 Day Avg. Volume15,680
30 Day Avg. Volume7,376
Financial Highlights & Ratios
PEG Ratio0.41
Price to Book (P/B)1.44
Price to Sales (P/S)2.98
P/FCF Ratio8.51
Enterprise Value/Market Cap0.88
Enterprise Value/Revenue3.24
Enterprise Value/Gross Profit4.07
Enterprise Value/Ebitda8.79
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
American Business Bank Business Overview & Revenue Model
Company Description
American Business Bank, a California-chartered bank, provides banking products and services to small and medium-sized firms, non-profits, business executives, and professionals in Southern California. The company offers credit and depository; trea...
How the Company Makes Money
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American Business Bank Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
67
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 178.72M | 199.36M | 183.26M | 167.98M | 134.47M | 115.40M |
| Gross Profit | 142.29M | 153.34M | 131.01M | 127.36M | 127.27M | 111.63M |
| EBITDA | 65.91M | 75.09M | 60.18M | 63.89M | 69.82M | 55.98M |
| Net Income | 48.32M | 54.20M | 43.28M | 43.97M | 48.56M | 39.16M |
Balance Sheet | ||||||
| Total Assets | 4.30B | 4.41B | 4.04B | 3.90B | 3.84B | 3.91B |
| Cash, Cash Equivalents and Short-Term Investments | 763.10M | 736.92M | 0.00 | 654.36M | 715.92M | 1.47B |
| Total Debt | 0.00 | 0.00 | 16.67M | 55.00M | 155.00M | 8.45M |
| Total Liabilities | 3.93B | 4.00B | 3.69B | 3.59B | 3.59B | 3.63B |
| Stockholders Equity | 372.60M | 411.13M | 354.78M | 314.05M | 254.45M | 278.55M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 69.79M | 56.03M | 57.17M | 64.53M | 59.40M |
| Operating Cash Flow | 0.00 | 71.10M | 57.87M | 57.72M | 65.33M | 59.89M |
| Investing Cash Flow | 0.00 | -213.76M | -90.56M | -51.23M | -212.35M | -503.05M |
| Financing Cash Flow | 0.00 | 286.57M | 91.15M | 94.98K | -45.28M | 425.97M |
American Business Bank Technical Analysis
Positive
63.90
Price Trends
70.86
Positive
67.24
Positive
59.77
Positive
Market Momentum
0.65
Negative
75.00
Negative
84.57
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AMBZ, the sentiment is Positive. The current price of 63.9 is below the 20-day moving average (MA) of 71.42, below the 50-day MA of 70.86, and above the 200-day MA of 59.77, indicating a bullish trend. The MACD of 0.65 indicates Negative momentum. The RSI at 75.00 is Negative, neither overbought nor oversold. The STOCH value of 84.57 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AMBZ.
American Business Bank Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | $658.30M | 10.14 | 14.01% | 1.56% | 9.47% | 32.62% | |
76 Outperform | $548.56M | 9.27 | 20.49% | 2.31% | 25.67% | 53.81% | |
69 Neutral | $754.73M | 10.94 | 6.68% | 0.70% | 10.59% | 37.65% | |
69 Neutral | $538.58M | 9.08 | 17.87% | 1.08% | 15.59% | 39.40% | |
69 Neutral | $590.04M | 9.04 | 11.50% | 4.97% | 11.07% | 175.21% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
55 Neutral | $587.62M | 11.37 | 0.68% | 4.38% | 6.67% | -84.79% |
* Financial Sector Average
AMBZ
American Business Bank
72.34
30.59
73.27%
NFBK
Northfield Bancorp
14.07
3.21
29.53%
NRIM
Northrim Bancorp
24.66
4.22
20.64%
PGC
Peapack-Gladstone Financial
42.62
14.29
50.43%
UNTY
Unity Bancorp
53.77
10.28
23.64%
PFIS
Peoples Financial Services
58.97
13.47
29.60%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.