OTC · Banks - Regional

American Bank Incorporated (AMBK) Stock

$22.43 +3.22% OTC: AMBK Financial Services

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. Its deposit options span interest-bearing checking and money market accounts, savings accounts, certificates of deposit, and individual retirement accounts.

Valuation

MetricValue
Price$22.43
Market Cap$142.14M
P/E Ratio9.35
P/B Ratio1.29
P/S Ratio2.29
EPS (TTM)$2.40
52-Week High$22.43
52-Week Low$15.25
Dividend Yield2.85%

Financials & Margins

MetricValue
ROE14.30%
ROA1.39%
ROCE1.76%
Gross Margin57.09%
Operating Margin30.40%
Net Margin24.26%
Debt/Equity0.53
Current Ratio3.82

Annual Financials (USD)

Metric20212022202320242025
Revenue$30.0M$32.0M$40.0M$48.0M$60.0M
Operating Profit$13.0M$13.0M$12.0M$11.0M$17.0M
Net Profit$11.0M$10.0M$9.0M$9.0M$14.0M
EPS$1.68$1.57$1.42$1.38$2.08
Op Margin42.8%39.9%28.9%23.6%28.3%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$849.0M$927.0M$919.0M$987.0M$1.1B
Total Liabilities$773.0M$845.0M$829.0M$891.0M$971.0M
Cash$119.0M$16.0M$-3.0M$69.0M$3.0M
Borrowings$81.0M$122.0M$109.0M$78.0M$62.0M

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$9.0M$19.0M$6.0M$9.0M$7.0M
Investing Cash Flow$-45.0M$-180.0M$36.0M$-36.0M$-113.0M
Financing Cash Flow$109.0M$6.0M$34.0M$91.0M$102.0M
Net Cash Flow$70.0M$-103.0M$23.0M$30.0M$0
Free Cash Flow$9.0M$18.0M$5.0M$9.0M$7.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.19
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y50.72%
Return 3Y36.19%
Return 5Y76.08%

Ownership

Insiders Held0.00%
Institutions Held0.00%
Institutions Float Held0.00%

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
EXSRExchange Bank (Santa Rosa, CA) $166.00 +0.00% 8.93 $284.58M 3.25%
FBPAThe Farmers Bank of Appomattox $30.18 +0.00% 9.96 $32.72M 4.31%
FUSBFirst US Bancshares, Inc. $16.40 -0.73% 12.20 $91.30M 1.70%
HOPEHope Bancorp, Inc. $13.28 -1.30% 13.65 $1.70B 4.10%
NBNNortheast Bank $125.99 -0.51% 9.81 $1.04B 0.03%

About American Bank Incorporated

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. Its deposit options span interest-bearing checking and money market accounts, savings accounts, certificates of deposit, and individual retirement accounts. The company also extends various loan types, such as commercial, industrial, and other business financing, commercial mortgage and construction loans, residential mortgage loans, and an assortment of consumer credit solutions like personal term loans, credit lines, automobile loans, and home equity loans and lines. Beyond these, American Bank provides digital and mobile banking, ATM services, safe deposit box rentals, wire transfers, check sales, and invests in securities. Founded in 1997, the company is based in Allentown, Pennsylvania, and maintains a loan production office in Blue Bell, Pennsylvania.

American Bank Incorporated is headquartered in US.

American Bank Incorporated (AMBK) stock trades at $22.43 with a market capitalization of $142.14M. The stock is valued at a price-to-earnings (P/E) ratio of 9.35, price-to-book of 1.29, price-to-sales of 2.29. Over the past 52 weeks the stock has ranged between $15.25 and $22.43, and currently trades at its 52-week high. It pays a dividend yielding 2.85%.

On profitability, American Bank Incorporated generates a return on equity (ROE) of 14.30%, above the typical market average, return on capital employed of 1.76%, an operating margin of 30.40%, a net profit margin of 24.26%.

Official website: www.ambk.com

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