American Bank Incorporated (AMBK)
OTHER OTC:AMBK
Want to see AMBK full AI Analyst Report?
Top Page
American Bank
(OTC:AMBK)
Select Model
Select Model
Rating:74Outperform
Price Target:
$20.00
▲(15.74% Upside)
Action:Upgraded
Date: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.
Read all positive and negative factors
Positive Factors
Negative 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.
Read all positive factors
American Bank (AMBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$102.54M
Dividend Yield3.28%
Average Volume (3M)212.00
Price to Earnings (P/E)7.6
Beta (1Y)0.05
Revenue Growth90.19%
EPS Growth50.57%
CountryUS
Employees46
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)N/A
Shares Outstanding5,585,141
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 Cap1.32
Enterprise Value/Revenue5.43
Enterprise Value/Gross Profit5.43
Enterprise Value/Ebitda6.17
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
null...
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
17.28
Price Trends
18.18
Positive
17.85
Positive
16.95
Positive
Market Momentum
0.04
Positive
58.30
Neutral
71.57
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 18.31, below the 50-day MA of 18.18, and above the 200-day MA of 16.95, indicating a bullish trend. The MACD of 0.04 indicates Positive momentum. The RSI at 58.30 is Neutral, neither overbought nor oversold. The STOCH value of 71.57 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 |
|---|---|---|---|---|---|---|---|
79 Outperform | $87.51M | 11.05 | 8.78% | 4.16% | 4.30% | 20.85% | |
74 Outperform | $102.54M | 7.64 | 14.30% | 3.28% | 90.19% | 50.57% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $89.53M | 15.11 | 5.95% | ― | -5.51% | ― | |
50 Neutral | $88.53M | -22.12 | -3.21% | 2.86% | -4.84% | -557.25% |
* Financial Sector Average
AMBK
American Bank
18.36
4.04
28.20%
AUBN
Auburn National Bancorporation
25.05
3.68
17.22%
PBHC
Pathfinder Bancorp
14.15
-0.81
-5.40%
SSBI
Summit State Bank
13.41
3.40
33.97%
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.