American Business Bank (AMBZ) AI Stock Analysis

• Market Cap: $389.53M
• Dividend Yield: 0.58%
• Average Volume (3M): 5.87K
• Price to Earnings (P/E): 8.9
• Beta (1Y): 0.11
• Revenue Growth: 9.06%
• EPS Growth: 7.21%
• Country: US
• Employees: 252
• Sector: Financial
• Sector Strength: 85
• Industry: Banks - Regional
• EPS (TTM): 1.27
• Shares Outstanding: 9,100,023
• 10 Day Avg. Volume: 10,529
• 30 Day Avg. Volume: 5,872
• PEG Ratio: 8.90
• Price to Book (P/B): 1.16
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

American Business Bank's overall stock score reflects a solid financial foundation with stable profitability and cash flow, balanced against challenges such as a slight decline in revenue growth and increased leverage. The technical indicators suggest a neutral trend, while valuation metrics point to reasonable pricing. The absence of dividend yield slightly detracts from its attractiveness, but overall, it remains a stable investment within the banking industry.

American Business Bank Business Overview & Revenue Model

Company Description

American Business Bank (AMBZ) is a commercial banking institution that primarily serves medium-sized businesses in the United States. The bank offers a range of financial products and services including commercial loans, treasury management, and deposit products tailored to meet the unique needs of its business clientele. With a focus on providing personalized banking solutions, AMBZ aims to foster strong relationships with its clients through exceptional service and financial expertise.

How the Company Makes Money

American Business Bank generates revenue through a variety of financial services primarily targeted at medium-sized businesses. The primary revenue streams include interest income from commercial loans and lines of credit, which constitute a significant portion of the bank's earnings. In addition, AMBZ earns non-interest income from treasury management services, such as cash management and payment processing, and from fees associated with deposit accounts. The bank also benefits from strategic partnerships with financial service providers to enhance its product offerings and expand its customer base. These partnerships, along with a focus on maintaining a diversified loan portfolio, contribute to the bank's financial stability and growth.

American Business Bank Financial Statement Overview

Summary

Overall, American Business Bank demonstrates a sound financial position with stable profitability and solid cash flow generation. While there are strengths in equity stability and profit margins, the slight decline in revenue growth and increased leverage warrant attention. Continued focus on operational efficiency and cash management will be crucial to sustain financial health in a competitive banking industry.

Income Statement

American Business Bank shows a stable financial performance with a strong gross profit margin indicative of effective cost management. However, the revenue growth rate has slightly declined recently, suggesting challenges in expanding its top line. The net profit margin remains healthy, reflecting consistent profitability, but a slight decrease in EBIT margin indicates potential pressure on operational efficiency.

Balance Sheet

The company maintains a solid equity ratio, suggesting a conservative financial structure with good asset coverage by equity. A noticeable improvement in return on equity indicates enhanced shareholder value creation. However, the debt-to-equity ratio has increased, pointing towards a rise in leverage that could pose financial risks if not monitored closely.

Cash Flow

The cash flow position is robust, with strong free cash flow generation and positive operating cash flow to net income ratio, indicating healthy cash conversion. The free cash flow growth has been positive, but the decline in operating cash flow year-over-year suggests a need for enhanced cash management strategies.

Breakdown
TTM	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement		Total Revenue
163.77M	127.36M	131.78M	113.59M	95.92M	84.01M
	Gross Profit
151.41M	167.98M	131.78M	113.59M	95.92M	84.01M
	EBIT
81.23M	66.44M	69.22M	52.82M	39.16M	29.92M
	EBITDA
38.93M	62.27M	69.82M	57.10M	42.36M	33.44M
	Net Income Common Stockholders
41.55M	43.97M	48.56M	39.16M	28.77M	22.08M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
36.85M	654.36M	715.92M	1.47B	1.19B	761.37M
	Total Assets
1.30B	3.90B	3.84B	3.91B	3.45B	2.40B
	Total Debt
0.00	55.00M	161.50M	8.45M	14.77M	17.07M
	Net Debt
-36.85M	11.84M	124.93M	-220.42M	-231.29M	-59.81M
	Total Liabilities
117.60M	3.59B	3.59B	35.57M	34.01M	30.39M
	Stockholders Equity
103.73M	314.05M	254.45M	278.55M	247.84M	206.67M
Cash Flow		Free Cash Flow
0.00	57.17M	64.53M	59.40M	46.33M	45.44M
	Operating Cash Flow
0.00	57.72M	65.33M	59.89M	47.02M	54.06M
	Investing Cash Flow
0.00	-51.23M	-212.35M	-503.05M	-885.13M	-272.76M
	Financing Cash Flow
0.00	94.98K	-45.28M	425.97M	1.01B	192.06M

American Business Bank Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 42.80
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 42.8 is above the 20-day moving average (MA) of 42.19, below the 50-day MA of 42.89, and above the 200-day MA of 41.10, indicating a neutral trend. The MACD of 0.08 indicates Negative momentum. The RSI at 54.53 is Neutral, neither overbought nor oversold. The STOCH value of 87.50 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AMBZ.

American Business Bank Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FBIZ	78 Outperform	$410.78M	8.98	14.36%	2.11%	12.02%	26.09%
NRIM	77 Outperform	$492.68M	11.85	16.22%	2.79%	23.96%	47.39%
COFS	73 Outperform	$455.22M	25.23	2.27%	3.62%	24.39%	-56.37%
AMBZ	69 Neutral	$389.53M	8.95	13.06%	0.58%	9.06%	7.21%
TCBX	68 Neutral	$439.90M	11.90	11.27%	―	15.07%	53.76%
Sector *	64 Neutral	$12.82B	9.83	7.68%	17000.34%	12.38%	-5.56%
FFWM	49 Neutral	$435.00M	―	-8.68%	0.19%	3.61%	65.61%