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American Business Bank
(OTC:AMBZ)
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Rating:73Outperform
Price Target:
$81.00
â–²(11.57% Upside)
Action:Reiterated
Date:08/04/26
The score is driven primarily by solid financial performance (consistent revenue growth, healthy profitability, and materially improved leverage) and supportive valuation (low P/E with a modest dividend). Technical signals are neutral, with the stock trading near key moving averages and no strong momentum extremes.
Positive Factors
Consistent revenue growth
Sustained top-line growth over multiple years indicates durable demand for the bank's lending and deposit services. This supports scaling of fixed-costs, consistent earnings capacity, and provides a multi-year foundation for organic expansion of loans and fee income absent material strategy shifts.
Negative Factors
Margin compression from prior peaks
Declining margins versus peak years weaken long-term profitability and reduce return on equity if not offset by higher volumes or efficiency gains. Persistent compression can limit reinvestment capacity and constrain long-run earnings growth even with steady revenue expansion.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent revenue growth
Sustained top-line growth over multiple years indicates durable demand for the bank's lending and deposit services. This supports scaling of fixed-costs, consistent earnings capacity, and provides a multi-year foundation for organic expansion of loans and fee income absent material strategy shifts.
Read all positive factors
American Business Bank (AMBZ) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$663.39M
Dividend Yield1.51%
Average Volume (3M)7.38K
Price to Earnings (P/E)10.8
Beta (1Y)0.12
Revenue Growth8.97%
EPS Growth29.10%
CountryUS
Employees255
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)6.74
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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 | 208.73M | 199.36M | 183.26M | 167.98M | 134.47M | 115.40M |
| Gross Profit | 165.52M | 153.34M | 131.01M | 127.36M | 127.27M | 111.63M |
| EBITDA | 84.09M | 75.09M | 60.18M | 63.89M | 69.82M | 55.98M |
| Net Income | 61.26M | 54.20M | 43.28M | 43.97M | 48.56M | 39.16M |
Balance Sheet | ||||||
| Total Assets | 4.42B | 4.41B | 4.04B | 3.90B | 3.84B | 3.91B |
| Cash, Cash Equivalents and Short-Term Investments | 106.19M | 736.92M | 639.89M | 654.36M | 715.92M | 1.47B |
| Total Debt | 0.00 | 0.00 | 16.67M | 55.00M | 155.00M | 8.45M |
| Total Liabilities | 3.98B | 4.00B | 3.69B | 3.59B | 3.59B | 3.63B |
| Stockholders Equity | 436.69M | 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
72.60
Price Trends
72.80
Positive
72.07
Positive
67.77
Positive
Market Momentum
0.03
Positive
50.09
Neutral
33.33
Neutral
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 72.6 is below the 20-day moving average (MA) of 72.89, below the 50-day MA of 72.80, and above the 200-day MA of 67.77, indicating a neutral trend. The MACD of 0.03 indicates Positive momentum. The RSI at 50.09 is Neutral, neither overbought nor oversold. The STOCH value of 33.33 is Neutral, 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 |
|---|---|---|---|---|---|---|---|
79 Outperform | $591.31M | 10.07 | 16.64% | 1.07% | 10.15% | 16.03% | |
76 Outperform | $589.71M | 8.55 | 20.68% | 2.36% | 18.07% | 52.19% | |
76 Outperform | $814.71M | 15.69 | 7.65% | 0.43% | 10.61% | 59.91% | |
75 Outperform | $704.37M | 12.39 | 11.50% | 3.58% | 0.41% | 68.29% | |
73 Outperform | $663.39M | 10.82 | 14.72% | 1.52% | 8.97% | 29.10% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
57 Neutral | $639.41M | 127.58 | 0.68% | 3.40% | 6.67% | -84.79% |
* Financial Sector Average
AMBZ
American Business Bank
72.90
26.19
56.08%
NFBK
Northfield Bancorp
15.31
5.08
49.66%
NRIM
Northrim Bancorp
26.56
6.71
33.80%
PGC
Peapack-Gladstone Financial
45.99
21.19
85.47%
UNTY
Unity Bancorp
60.10
14.17
30.84%
PFIS
Peoples Financial Services
71.55
26.39
58.43%
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.