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AMBZ

American Business Bank

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Price alert · AMBZ

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70.49 USD +0.49 +0.70%
As of Oct 30, 2026
70.00 Day range 70.50
58.25 52-week range 73.45
YTD
+8.78%
1 year
+21.01%
Open
70.00
Prev close
70.00
Mkt cap
624.91M
Vol
1.38K
Avg vol
2.30K
EPS
6.67
P/E
10.57
More statistics
Low
70.00
High
70.50

5D chart

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Financial health

Altman Z-Score

0.31 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 4
  • Return on Equity 4
  • Return on Assets 4
  • Debt / Equity 1
  • P/E 3
  • P/B 2

Valuation

P/E 11.0×
FY 2016: 20.2×FY 2017: 39.0×FY 2018: 16.2×FY 2019: 14.1×FY 2020: 9.8×FY 2021: 9.0×FY 2022: 7.5×FY 2023: 7.5×FY 2024: 9.4×FY 2025: 11.0×
FY 2016 5y median 9.0× FY 2025
P/S 3.0×
FY 2016: 4.6×FY 2017: 5.4×FY 2018: 3.6×FY 2019: 3.5×FY 2020: 2.9×FY 2021: 3.1×FY 2022: 2.7×FY 2023: 2.0×FY 2024: 2.2×FY 2025: 3.0×
FY 2016 5y median 2.7× FY 2025
P/B 1.4×
FY 2016: 1.9×FY 2017: 2.1×FY 2018: 1.6×FY 2019: 1.5×FY 2020: 1.1×FY 2021: 1.3×FY 2022: 1.4×FY 2023: 1.1×FY 2024: 1.1×FY 2025: 1.4×
FY 2016 5y median 1.3× FY 2025
P/FCF 8.5×
FY 2016: 0.0×FY 2017: 11.3×FY 2018: 7.0×FY 2019: 6.9×FY 2020: 6.1×FY 2021: 5.9×FY 2022: 5.6×FY 2023: 5.8×FY 2024: 7.3×FY 2025: 8.5×
FY 2016 5y median 5.9× FY 2025
EV/EBITDA 4.6×
FY 2016: 18.4×FY 2017: 529×FY 2018: 7.2×FY 2019: 7.0×FY 2020: 0.9×FY 2021: 2.4×FY 2022: 6.9×FY 2023: 5.4×FY 2024: 5.4×FY 2025: 4.6×
FY 2016 5y median 5.4× FY 2025
EV/Sales 1.7×
FY 2016: 5.8×FY 2017: 5.9×FY 2018: 2.2×FY 2019: 2.7×FY 2020: 0.4×FY 2021: 1.1×FY 2022: 3.6×FY 2023: 2.0×FY 2024: 1.8×FY 2025: 1.7×
FY 2016 5y median 1.8× FY 2025
FCF Yield 11.7%
FY 2016: 0.0%FY 2017: 8.8%FY 2018: 14.2%FY 2019: 14.5%FY 2020: 16.4%FY 2021: 16.9%FY 2022: 17.8%FY 2023: 17.3%FY 2024: 13.7%FY 2025: 11.7%
FY 2016 5y median 16.9% FY 2025

Profitability

Gross Margin 76.9%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 90.6%FY 2019: 90.9%FY 2020: 94.5%FY 2021: 96.7%FY 2022: 94.6%FY 2023: 75.8%FY 2024: 71.5%FY 2025: 76.9%
FY 2016 5y median 76.9% FY 2025
Operating Margin 37.7%
FY 2016: 31.1%FY 2017: 30.3%FY 2018: 29.2%FY 2019: 33.7%FY 2020: 39.6%FY 2021: 45.8%FY 2022: 49.5%FY 2023: 36.1%FY 2024: 36.2%FY 2025: 37.7%
FY 2016 5y median 37.7% FY 2025
Net Margin 27.2%
FY 2016: 23.0%FY 2017: 13.8%FY 2018: 22.1%FY 2019: 24.9%FY 2020: 29.1%FY 2021: 33.9%FY 2022: 36.1%FY 2023: 26.2%FY 2024: 23.6%FY 2025: 27.2%
FY 2016 5y median 27.2% FY 2025
ROE 13.2%
FY 2016: 9.5%FY 2017: 5.4%FY 2018: 9.9%FY 2019: 10.7%FY 2020: 11.6%FY 2021: 14.1%FY 2022: 19.1%FY 2023: 14.0%FY 2024: 12.2%FY 2025: 13.2%
FY 2016 5y median 14.0% FY 2025
ROIC 12.0%
FY 2016: 4.2%FY 2017: 0.8%FY 2018: 9.9%FY 2019: 10.7%FY 2020: 11.6%FY 2021: -6.6%FY 2022: 11.7%FY 2023: 11.9%FY 2024: 2.6%FY 2025: 12.0%
FY 2016 5y median 11.7% FY 2025
ROA 1.2%
FY 2016: 0.7%FY 2017: 0.4%FY 2018: 0.8%FY 2019: 0.9%FY 2020: 0.8%FY 2021: 1.0%FY 2022: 1.3%FY 2023: 1.1%FY 2024: 1.1%FY 2025: 1.2%
FY 2016 5y median 1.1% FY 2025

Growth (YoY)

Revenue 8.8%
FY 2016: 17.9%FY 2017: 7.8%FY 2018: 23.3%FY 2019: 19.9%FY 2020: 11.3%FY 2021: 16.8%FY 2022: 16.5%FY 2023: 24.9%FY 2024: 9.1%FY 2025: 8.8%
FY 2016 FY 2025
Operating Income 13.3%
FY 2016: 7.2%FY 2017: 4.9%FY 2018: 18.9%FY 2019: 38.3%FY 2020: 30.9%FY 2021: 34.9%FY 2022: 25.9%FY 2023: -8.7%FY 2024: 9.2%FY 2025: 13.3%
FY 2016 FY 2025
EPS (diluted) 26.3%
FY 2016: -8.4%FY 2017: -36.6%FY 2018: 95.9%FY 2019: 30.5%FY 2020: 29.8%FY 2021: 34.5%FY 2022: 21.9%FY 2023: -9.8%FY 2024: -2.5%FY 2025: 26.3%
FY 2016 FY 2025
Free Cash Flow 24.5%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 31.3%FY 2019: 20.5%FY 2020: 2.0%FY 2021: 28.2%FY 2022: 8.6%FY 2023: -11.4%FY 2024: -2.0%FY 2025: 24.5%
FY 2016 FY 2025

Financial Health

Current Ratio 0.2×
FY 2016: 0.0×FY 2017: 0.1×FY 2018: 0.4×FY 2019: 0.4×FY 2020: 0.4×FY 2021: 0.4×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.2×
FY 2016: 0.0×FY 2017: 0.1×FY 2018: 0.4×FY 2019: 0.4×FY 2020: 0.4×FY 2021: 0.5×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.0×
FY 2016: 0.8×FY 2017: 0.4×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.6×FY 2023: 0.2×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
Net Debt / EBITDA -3.3×
FY 2016: 3.7×FY 2017: 44.1×FY 2018: -4.6×FY 2019: -2.3×FY 2020: -5.8×FY 2021: -3.9×FY 2022: 1.7×FY 2023: 0.2×FY 2024: -1.4×FY 2025: -3.3×
FY 2016 5y median -1.4× FY 2025
Interest Coverage 1.7×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 6.9×FY 2019: 6.2×FY 2020: 13.6×FY 2021: 29.0×FY 2022: 24.7×FY 2023: 1.6×FY 2024: 1.3×FY 2025: 1.7×
FY 2016 5y median 1.7× FY 2025

Dividends

Dividend Yield 1.5%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 1.5%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 16.6%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 16.6%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31