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American Business Bank (AMBZ) Ratios
American Business Bank Ratios
AMBZ's free cash flow for Q2 2026 was $0.00. For the 2026 fiscal year, AMBZ's free cash flow was increased by $0.00 and operating cash flow was $0.00. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.19 | 0.05 | 0.19 | 0.22 | 0.41 |
| Quick Ratio | 0.19 | 0.05 | 0.19 | 0.22 | 0.48 |
| Cash Ratio | 0.06 | 0.04 | 0.01 | 0.01 | 0.06 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 20.45 | 0.00 | 0.00 | 25.93 |
| Net Current Asset Value | $ -3.26B | $ -3.57B | $ -2.90B | $ -2.84B | $ -2.14B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.00 | 0.00 | 0.01 | 0.04 | 0.00 |
| Debt-to-Equity Ratio | 0.00 | 0.05 | 0.18 | 0.61 | 0.03 |
| Debt-to-Capital Ratio | 0.00 | 0.04 | 0.15 | 0.38 | 0.03 |
| Long-Term Debt-to-Capital Ratio | 0.00 | 0.00 | 0.15 | 0.38 | 0.00 |
| Financial Leverage Ratio | 10.72 | 11.40 | 12.43 | 15.09 | 14.04 |
| Debt Service Coverage Ratio | 1.25 | 0.80 | 1.27 | 19.26 | 10.25 |
| Interest Coverage Ratio | 1.74 | 1.29 | 1.63 | 24.70 | 29.03 |
| Debt to Market Cap | 0.00 | 0.01 | 0.17 | 0.43 | 0.01 |
| Interest Debt Per Share | 4.72 | 7.33 | 10.03 | 17.34 | 1.15 |
| Net Debt to EBITDA | -3.27 | -1.41 | 0.19 | 1.70 | -3.94 |
| Profitability Margins | |||||
| Gross Profit Margin | 76.92% | 71.49% | 75.82% | 94.64% | 96.73% |
| EBIT Margin | 37.67% | 32.84% | 36.14% | 49.47% | 45.77% |
| EBITDA Margin | 37.67% | 32.84% | 38.03% | 51.92% | 48.51% |
| Operating Profit Margin | 37.67% | 36.17% | 36.14% | 49.47% | 45.77% |
| Pretax Profit Margin | 37.67% | 32.84% | 36.14% | 49.47% | 45.77% |
| Net Profit Margin | 27.19% | 23.62% | 26.17% | 36.11% | 33.93% |
| Continuous Operations Profit Margin | 27.19% | 23.62% | 26.17% | 36.11% | 33.93% |
| Net Income Per EBT | 72.18% | 71.91% | 72.41% | 73.00% | 74.15% |
| EBT Per EBIT | 100.00% | 90.80% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.23% | 1.07% | 1.13% | 1.26% | 1.00% |
| Return on Equity (ROE) | 13.18% | 12.20% | 14.00% | 19.08% | 14.06% |
| Return on Capital Employed (ROCE) | 16.59% | 3.87% | 16.45% | 15.99% | 18.96% |
| Return on Invested Capital (ROIC) | 11.98% | 2.61% | 11.91% | 11.67% | -6.62% |
| Return on Tangible Assets | 1.23% | 1.07% | 1.13% | 1.26% | 1.64% |
| Earnings Yield | 9.12% | 10.62% | 13.40% | 13.41% | 11.12% |
| Efficiency Ratios | |||||
| Receivables Turnover | 0.00 | 0.00 | 5.18 | 4.55 | 3.98 |
| Payables Turnover | 0.00 | 0.00 | 1.12 | 0.21 | 0.11 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | -0.02 |
| Fixed Asset Turnover | 42.18 | 10.74 | 36.60 | 23.99 | 17.54 |
| Asset Turnover | 0.05 | 0.05 | 0.04 | 0.04 | 0.03 |
| Working Capital Turnover Ratio | -0.07 | -0.07 | -0.06 | -0.06 | -0.06 |
| Cash Conversion Cycle | 0.00 | 0.00 | -255.46 | -1643.24 | -26869.99 |
| Days of Sales Outstanding | 0.00 | 0.00 | 70.40 | 80.26 | 91.60 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | -23519.54 |
| Days of Payables Outstanding | 0.00 | 0.00 | 325.86 | 1723.51 | 3442.05 |
| Operating Cycle | 0.00 | 0.00 | 70.40 | 80.26 | -23427.94 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 7.76 | 6.25 | 6.28 | 7.18 | 6.72 |
| Free Cash Flow Per Share | 7.61 | 6.05 | 6.22 | 7.10 | 6.66 |
| Dividend Paid and CapEx Coverage Ratio | 6.89 | 31.52 | 106.00 | 81.91 | 120.69 |
| Capital Expenditure Coverage Ratio | 54.06 | 31.52 | 106.00 | 81.91 | 120.69 |
| Operating Cash Flow Coverage Ratio | 0.00 | 3.47 | 1.05 | 0.42 | 7.09 |
| Operating Cash Flow to Sales Ratio | 0.36 | 0.32 | 0.34 | 0.49 | 0.52 |
| Free Cash Flow Yield | 11.75% | 13.75% | 17.42% | 17.83% | 16.86% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 10.96 | 9.42 | 7.46 | 7.45 | 8.99 |
| Price-to-Sales (P/S) Ratio | 2.98 | 2.22 | 1.95 | 2.69 | 3.05 |
| Price-to-Book (P/B) Ratio | 1.44 | 1.15 | 1.04 | 1.42 | 1.26 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 8.51 | 7.28 | 5.74 | 5.61 | 5.93 |
| Price-to-Operating Cash Flow Ratio | 8.36 | 7.04 | 5.69 | 5.54 | 5.88 |
| Price-to-Earnings Growth (PEG) Ratio | 0.41 | -4.09 | -0.71 | 0.34 | 0.25 |
| Enterprise Value Multiple | 4.64 | 5.36 | 5.32 | 6.88 | 2.35 |
| Enterprise Value | 348.53M | 322.68M | 339.98M | 480.41M | 131.79M |
| EV to EBITDA | 4.64 | 5.36 | 5.32 | 6.88 | 2.35 |
| EV to Sales | 1.75 | 1.76 | 2.02 | 3.57 | 1.14 |
| EV to Free Cash Flow | 4.99 | 5.76 | 5.95 | 7.44 | 2.22 |
| EV to Operating Cash Flow | 4.90 | 5.58 | 5.89 | 7.35 | 2.20 |
| Tangible Book Value Per Share | 44.85 | 38.29 | 34.17 | 27.98 | 27.98 |
| Shareholders’ Equity Per Share | 44.85 | 38.29 | 34.17 | 27.98 | 31.23 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.28 | 0.28 | 0.28 | 0.27 | 0.26 |
| Revenue Per Share | 21.75 | 19.78 | 18.27 | 14.79 | 12.94 |
| Net Income Per Share | 5.91 | 4.67 | 4.78 | 5.34 | 4.39 |
| Tax Burden | 0.72 | 0.72 | 0.72 | 0.73 | 0.74 |
| 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 | 0.28 | 0.35 | 0.27 | 0.31 | 0.35 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.01 | 0.02 | 0.02 |
| Income Quality | 1.31 | 1.34 | 1.31 | 1.35 | 1.53 |
Currency in USD
