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American Bank
(OTC:AMBK)
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Rating:73Outperform
Price Target:
$26.00
▲(11.40% Upside)
Action:Reiterated
Date:07/29/26
The score is driven primarily by solid financial performance (strong growth and improved leverage, offset by margin pressure and uneven cash generation), supported by a favorable valuation (low P/E and a ~3.0% yield) and a positive technical trend with the stock trading above major moving averages.
Positive Factors
Revenue Growth
Sustained revenue expansion more than doubled over five years, reflecting durable business momentum and market penetration. This growth provides a broader base to absorb shocks, fund strategic initiatives, and support longer-term profitability even if margins cycle.
Negative Factors
Margin Compression
Erosion of profit margins signals pressure from funding costs, pricing, or credit trends that can compress long-term profitability. If structural, lower margins reduce retained earnings growth and constrain ability to expand loan portfolios or absorb credit losses.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Sustained revenue expansion more than doubled over five years, reflecting durable business momentum and market penetration. This growth provides a broader base to absorb shocks, fund strategic initiatives, and support longer-term profitability even if margins cycle.
Read all positive factors
American Bank (AMBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$147.91M
Dividend Yield2.99%
Average Volume (3M)212.00
Price to Earnings (P/E)10.4
Beta (1Y)0.03
Revenue Growth49.35%
EPS Growth22.74%
CountryUS
Employees5
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)N/A
Shares Outstanding6,337,204
10 Day Avg. Volume130
30 Day Avg. Volume212
Financial Highlights & Ratios
PEG Ratio0.15
Price to Book (P/B)0.97
Price to Sales (P/S)1.73
P/FCF Ratio14.37
Enterprise Value/Market Cap0.91
Enterprise Value/Revenue5.42
Enterprise Value/Gross Profit5.42
Enterprise Value/Ebitda6.16
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 Bank Business Overview & Revenue Model
Company Description
American Bank Incorporated functions as the holding company for American Bank, delivering a broad spectrum of financial products and services to a diverse clientele including consumers, businesses, institutional bodies, and government agencies. It...
How the Company Makes Money
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American Bank Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
66
Positive
Cash Flow
59
Neutral
| 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
Positive
23.34
Price Trends
21.88
Positive
19.99
Positive
18.50
Positive
Market Momentum
0.37
Positive
70.21
Negative
66.67
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 23.34 is above the 20-day moving average (MA) of 23.28, above the 50-day MA of 21.88, and above the 200-day MA of 18.50, indicating a bullish trend. The MACD of 0.37 indicates Positive momentum. The RSI at 70.21 is Negative, neither overbought nor oversold. The STOCH value of 66.67 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $91.71M | 11.02 | 9.10% | 4.06% | 4.58% | 26.05% | |
73 Outperform | $147.91M | 10.37 | 13.21% | 3.28% | 49.35% | 22.74% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
56 Neutral | $102.47M | -25.46 | -1.08% | 2.50% | -7.07% | -307.72% | |
53 Neutral | $87.39M | 37.68 | 2.22% | ― | -6.91% | ― |
* Financial Sector Average
AMBK
American Bank
23.43
8.21
53.95%
AUBN
Auburn National Bancorporation
26.72
1.98
8.00%
PBHC
Pathfinder Bancorp
16.11
1.59
10.95%
SSBI
Summit State Bank
12.91
1.06
8.99%
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.