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American Business Bank (AMBZ) AI Stock Analysis
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American Business Bank
(Other OTC:AMBZ)
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.
American Business Bank (AMBZ) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $624.91M
- Dividend Yield
- 3.05%
- Average Volume (3M)
- 3,029
- Price to Earnings (P/E)
- 10.0
- Beta (1Y)
- 0.18
- Revenue Growth
- 8.16%
- EPS Growth
- 25.67%
- Country
- US
- Employees
- 255
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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; treasur...
How the Company Makes Money
null
American Business Bank Financial Statement Overview
Summary
Overall fundamentals are solid: steady revenue growth through 2025, healthy profitability, and improving balance sheet strength with debt effectively eliminated. Offsetting factors include margin compression from prior peak levels and some recent variability/inconsistencies in cash flow metrics despite a 2025 rebound in operating and free cash flow.
Income Statement
78PositiveBalance Sheet
74PositiveCash Flow
67Positive| 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 | 0 | 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 | 69.79M | 56.03M | 57.17M | 64.53M | 59.40M |
| Operating Cash Flow | 0 | 71.10M | 57.87M | 57.72M | 65.33M | 59.89M |
| Investing Cash Flow | 0 | -213.76M | -90.56M | -51.23M | -212.35M | -503.05M |
| Financing Cash Flow | 0 | 286.57M | 91.15M | 94.98K | -45.28M | 425.97M |
American Business Bank Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AMBZ, the sentiment is Negative. The current price of 70.49 is below the 20-day moving average (MA) of 70.94, below the 50-day MA of 72.08, and below the 200-day MA of 70.60, indicating a bearish trend. The MACD of -0.60 indicates Positive momentum. The RSI at 39.41 is Neutral, neither overbought nor oversold. The STOCH value of 43.74 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for AMBZ.
American Business Bank Peers Comparison
Overall Rating
RCBC86Outperform
CWBC75Outperform
BCAL74Outperform- AMBZ73Outperform
PBAM69Neutral
AVBH64Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| RCBC | 86Outperform | $823.44M | 9.32 | 15.71% | 0.33% | ― | ― |
| CWBC | 75Outperform | $699.80M | 16.22 | 6.56% | 1.86% | 22.77% | -11.24% |
| BCAL | 74Outperform | $690.59M | 11.80 | 10.08% | 1.96% | -4.47% | -7.25% |
| AMBZ | 73Outperform | $624.91M | 9.97 | 15.07% | 3.05% | 8.16% | 25.67% |
| PBAM | 69Neutral | $488.98M | 10.52 | 16.71% | ― | 3.88% | 13.49% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| AVBH | 64Neutral | $375.19M | 11.37 | 10.10% | ― | -32.49% | -159.95% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| AMBZ | American Business Bank | 70.49 | 14.00 | 24.79% | |
| CWBC | Community West Bancshares | 25.79 | 4.90 | 23.49% | |
| BCAL | California Bancorp | 21.48 | 3.37 | 18.58% | |
| PBAM | Private Bancorp Of America | 85.34 | 28.15 | 49.22% | |
| AVBH | Avidbank Holdings | 34.12 | 7.87 | 29.98% | |
| RCBC | River City Bank | 57.99 | 18.75 | 47.78% |
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.
Date of analysis: Aug 04, 2026