American Business Bank - AMBZ

AMBZ Returns vs S&P 500 ⓘ

ticker	1 day return %	1 week return %	1 month return %	3 months return %	6 months return %	1 year return %	3 years return %	5 years return %	10 years return %	maximum return %
AMBZ	0.1	4.1	11.0	20.9	33.0	53.5	1.5	27.7	96.4	773.3
S&P 500	-1.3	-2.3	0.5	5.7	10.7	30.1	25.2	88.0	187.6	33142.5

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Returns Charts ⓘ

Interactive Price Chart

Our interactive price chart includes various drawing tools to help you analyze the product more effectively. Below is a quick guide on how to use these tools: Full Guideline

Real-time Full Quote

Attribute	Value
symbol	AMBZ
name	American Business Bank
price	43.75
changes percentage	0.11
change	0.05
day low	43.50
day high	43.75
year high	43.75
year low	28.10
market cap	398125875
price avg 50	38.69
price avg 200	35.61
exchange	PNK
volume	600
avg volume	5631
open	43.50
previous close	43.70
eps	4.54
pe	9.64
earnings announcement	2025-01-27T05:00:00.000+0000
shares outstanding	9100020
timestamp	2024-11-15 20:00:00

Financial Statements ⓘ

We derive the score of a company's financial statements by evaluating the weighted average sentiment across key within the statements. The cumulative score, normalized to a sum of 1, serves as a metric for assessing the company's performance during the specified period. A higher score indicates stronger performance. However, it's crucial to note that while this score provides valuable insights, it is just one of many factors to consider when making informed investment decisions. A holistic evaluation, considering various aspects of the company's financial health and market conditions, is essential for a well-rounded investment strategy.

Overall Annual Financial Health: 37.3%

Overall Quarterly Financial Health: 63.7%

Income Statements ⓘ

• Annual Income Statement

Note: The years below are fiscal years in accounting.

	2023	2022	Y/Y change %
0000000000
revenue	127365000	131780068	-3.35
gross profit	167977000	131780068	27.47
gross profit ratio	1.32	1	31.89
research and development expenses	0	0	NaN
operating expenses	60930000	-62564954	197.39
interest income	159132411	127748948	24.57
interest expense	37214693	2693043	1,281.88
ebitda	62274663	69821562	-10.81
ebitdaratio	0.49	0.55	-11.14
operating income	66435000	69215114	-4.02
operating income ratio	0.52	0.53	-0.69
net income	43966127	48559215	-9.46
net income ratio	0.35	0.37	-6.32
eps	4.78	5.34	-10.49

Overall Score of Annual Income Statement

0.14 out of 1

Detailed Analysis

• 📉 Negative Indicators

  Revenue Growth: revenue decreased to 127 million in 2023 from 132 million in 2022 representing a change of -3.35%. This indicates a sales shrinking, which is a negative sign for the company.

  Operating Expenses: Operating Expenses increased to 61 million in 2023 from -63 million in 2022 representing a change of 197.39%. The increase in operating expenses can be attributed to various factors such as marketing, administrative costs, and investments in infrastructure. It's important to monitor if these expenses are growing at a sustainable rate compared to revenue.

  EBITDA: EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) decreased to 62 million in 2023 from 70 million in 2022 representing a change of -10.81%. The decrease in EBITDA indicates declined operational efficiency and profitability.

  Operating Income: Operating income decreased to 66 million in 2023 from 69 million in 2022 representing a change of -4.02%. The decrease in operating income indicates worse operational performance and decreased profitability.

  Net Income: Net income decreased to 44 million in 2023 from 49 million in 2022 representing a change of -9.46%. The decrease in net income shows worsen profitability and indicates that the company is generating less profit for each dollar of revenue.

  Earnings per Share (EPS): EPS increased to 4.78 in 2023 from 4.78 in 2022 representing a change of -10.49%. This indicates that the company's earnings are decreasing and it is becoming less profitable on a per-share basis.

• 📈 Positive Indicators

  Gross Profit: Gross Profit increased to 168 million in 2023 from 132 million in 2022 representing a change of 27.47%. This indicates a sales profitability growth, which is a positive sign for the company.

• Quarterly Income Statement

Note: The years below are fiscal years in accounting.

	2024Q3	2024Q2	Q/Q change %
0000000000
revenue	46731000	44317000	5.45
gross profit	46731000	44317000	5.45
gross profit ratio	1	1	0.00
research and development expenses	0	0	NaN
operating expenses	33280000	4268000	679.76
interest income	44818000	42628000	5.14
interest expense	13451000	13588000	-1.01
ebitda	14995000	38926000	-61.48
ebitdaratio	0.32	-0.3	207.71
operating income	13451000	13202000	1.89
operating income ratio	0.29	0.3	-3.38
net income	10780000	9499000	13.49
net income ratio	0.23	0.21	7.62
eps	1.16	1.03	12.62

Overall Score of Quarterly Income Statement

0.71 out of 1

Detailed Analysis

• 📈 Positive Indicators

  Revenue Growth: revenue increased to 47 million in 2024Q3 from 44 million in 2024Q2 representing a change of 5.45%. This indicates a sales growth, which is a positive sign for the company.

  Gross Profit: Gross Profit increased to 47 million in 2024Q3 from 44 million in 2024Q2 representing a change of 5.45%. This indicates a sales profitability growth, which is a positive sign for the company.

  Operating Expenses: Operating Expenses decreased to 33 million in 2024Q3 from 4 million in 2024Q2 representing a change of 679.76%. The decrease in operating expenses can be attributed to various factors such as improved profitability, cost optimization and financial stability, lower operating expenses can be positive indicators.

  Operating Income: Operating income increased to 13 million in 2024Q3 from 13 million in 2024Q2 representing a change of 1.89%. The increase in operating income indicates better operational performance and increased profitability.

  Earnings per Share (EPS): EPS increased to 1.16 in 2024Q3 from 1.16 in 2024Q2 representing a change of 12.62%. This indicates that the company's earnings are increasing and it is becoming more profitable on a per-share basis.

• 📉 Negative Indicators

  EBITDA: EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) decreased to 15 million in 2024Q3 from 39 million in 2024Q2 representing a change of -61.48%. The decrease in EBITDA indicates declined operational efficiency and profitability.

  Net Income: Net income decreased to 11 million in 2024Q3 from 9 million in 2024Q2 representing a change of 13.49%. The decrease in net income shows worsen profitability and indicates that the company is generating less profit for each dollar of revenue.

Balance Sheets ⓘ

• Annual Balance Sheet

Note: The years below are fiscal years in accounting.

	2023	2022	Y/Y change %
0000000000
total assets	3906347642	3840761510	1.71
total liabilities	3592294338	3586311736	0.17
total equity	314054000	254449774	23.42
cash and cash equivalents	43157899	36574827	18.00
short term investments	611201775	679348675	-10.03
long term investments	1180315238	1264092479	-6.63
total current assets	60359986	745494620	-91.90
total non current assets	3845987656	1269697155	202.91
total current liabilities	2354650237	34017033	6,821.97
total non current liabilities	1237644101	34017033	3,538.31
common stock	208048000	205558476	1.21
retained earnings	176747000	130079775	35.88
total debt	55000000	161500000	-65.94

Overall Score of Annual Balance Sheet

0.6 out of 1

Detailed Analysis

• 📈 Positive Indicators

  Total Assets: Total Assets increased to 3,906 million in 2023 from 3,841 million in 2022 representing a change of 1.71%. Suggesting a growth in asset holdings.

  Total Equity: Total Equity increased to 314 million in 2023 from 254 million in 2022 representing a change of 23.42%. This indicates an increase in shareholders' equity.

  Cash And Cash Equivalents: Cash And Cash Equivalents increased to 43 million in 2023 from 37 million in 2022 representing a change of 18.0%. This indicates an increase in available liquid assets.

  Common Stock: Common Stock increased to 208 in 2023 from 206 in 2022 representing a change of 1.21%. This indicates an increase in ownership interest.

  Retained Earnings: Retained Earnings increased to 177 million in 2023 from 130 million in 2022 representing a change of 35.88%. This indicates an accumulated profits.

  Total Debt: Total Debt decreased to 55 million in 2023 from 162 million in 2022 representing a change of -65.94%. This indicates a reduction in overall debt burden.

• 📉 Negative Indicators

  Total Liabilities: Total Liabilities increased to 3,592 million in 2023 from 3,586 million in 2022 representing a change of 0.17%. This indicates an increase in overall liabilities.

  Short Term Investments: Short Term Investments decreased to 611 million in 2023 from 679 million in 2022 representing a change of -10.03%. This indicates a decrease in short-term investment holdings.

  Total Current Assets: Total Current Assets decreased to 60 million in 2023 from 745 million in 2022 representing a change of -91.9%. This indicates a worsen liquidity position.

  Total Current Liabilities: Total Current Liabilities increased to 2,355 million in 2023 from 34 million in 2022 representing a change of 6821.97%. This indicates a higher short-term debt burden.

• Quarterly Balance Sheet

Note: The years below are fiscal years in accounting.

	2024Q3	2024Q2	Q/Q change %
0000000000
total assets	4119988000	3928649000	4.87
total liabilities	3762446000	3597777000	4.58
total equity	357542000	330872000	8.06
cash and cash equivalents	277735000	100347000	176.77
short term investments	566521000	566948000	-0.08
long term investments	1119572000	30511000	3,569.40
total current assets	1121991000	100347000	1,018.11
total non current assets	4778304000	3828301999	24.82
total current liabilities	2121524000	1991477000	6.53
total non current liabilities	1640922000	1606300000	2.16
common stock	209679000	209042000	0.30
retained earnings	207523000	196743000	5.48
total debt	0	100000000	-100.00

Overall Score of Quarterly Balance Sheet

0.7 out of 1

Detailed Analysis

• 📈 Positive Indicators

  Total Assets: Total Assets increased to 4,120 million in 2024Q3 from 3,929 million in 2024Q2 representing a change of 4.87%. Suggesting a growth in asset holdings.

  Total Equity: Total Equity increased to 358 million in 2024Q3 from 331 million in 2024Q2 representing a change of 8.06%. This indicates an increase in shareholders' equity.

  Cash And Cash Equivalents: Cash And Cash Equivalents increased to 278 million in 2024Q3 from 100 million in 2024Q2 representing a change of 176.77%. This indicates an increase in available liquid assets.

  Total Current Assets: Total Current Assets increased to 1,122 million in 2024Q3 from 100 million in 2024Q2 representing a change of 1018.11%. This indicates a better liquidity position.

  Common Stock: Common Stock increased to 210 in 2024Q3 from 209 in 2024Q2 representing a change of 0.3%. This indicates an increase in ownership interest.

  Retained Earnings: Retained Earnings increased to 208 million in 2024Q3 from 197 million in 2024Q2 representing a change of 5.48%. This indicates an accumulated profits.

  Total Debt: Total Debt decreased to 0 million in 2024Q3 from 100 million in 2024Q2 representing a change of -100.0%. This indicates a reduction in overall debt burden.

• 📉 Negative Indicators

  Total Liabilities: Total Liabilities increased to 3,762 million in 2024Q3 from 3,598 million in 2024Q2 representing a change of 4.58%. This indicates an increase in overall liabilities.

  Short Term Investments: Short Term Investments decreased to 567 million in 2024Q3 from 567 million in 2024Q2 representing a change of -0.08%. This indicates a decrease in short-term investment holdings.

  Total Current Liabilities: Total Current Liabilities increased to 2,122 million in 2024Q3 from 1,991 million in 2024Q2 representing a change of 6.53%. This indicates a higher short-term debt burden.

Cashflow Statements ⓘ

• Annual Cashflow Statement

Note: The years below are fiscal years in accounting.

	2023	2022	Y/Y change %
0000000000
net change in cash	6583072	-192295414	103.42
operating cash flow	57715038	65330858	-11.66
free cash flow	57170531	64533282	-11.41
capital expenditure	-544507	-797576	31.73
depreciation and amortization	3172203	3299491	-3.86
deferred income tax	-1016902	-2399597	57.62
stock based compensation	2512257	2785658	-9.81
accounts payables	-618587	-2677540	76.90
inventory	0	2677540	-100.00
acquisitions net	0	0	NaN
investments in property plant and equipment	-544507	-797576	31.73
net cash used for investing activites	-51226945	-212347101	75.88
debt repayment	-106500000	0	NaN
common stock issued	0	0	NaN
common stock repurchased	-457438	-456647	-0.17
dividends paid	0	0	NaN
net cash used provided by financing activities	94979	-45279171	100.21
cash at end of period	43157899	36574827	18.00
accounts receivables	0	-1005088	100.00
cash at beginning of period	36574827	228870241	-84.02

Overall Score of Annual Cashflow Statement

0.38 out of 1

Detailed Analysis

• 📈 Positive Indicators

  Net Change in Cash: Net Change in Cash increased to 7 million in 2023 from -192 million in 2022 representing a change of 103.42%. Indicating an increased ability to generate cash from the company's operations or its cash flow position.

  Stock-Based Compensation: Stock-Based Compensation decreased to 3 million in 2023 from 3 million in 2022 representing a change of -9.81%. This indicates decreased expenses, which is generally considered a positive sign from a financial perspective.

  Accounts Payables: The absolute value of Accounts Payables decreased to 1 million in 2023 from 3 million in 2022 representing a change of 76.9%. This indicates that the company has reduced its outstanding obligations to its suppliers.

• 📉 Negative Indicators

  Operating Cash Flow: Operating Cash Flow decreased to 58 million in 2023 from 65 million in 2022 representing a change of -11.66%. This indicates that the company generated less cash from its core business operations.

  Free Cash Flow: Free Cash Flow decreased to 57 million in 2023 from 65 million in 2022 representing a change of -11.41%. This indicates a decrease in cash generated after accounting for capital expenditures.

  Capital Expenditure: Capital Expenditure increased to -1 million in 2023 from -1 million in 2022 representing a change of 31.73%. This indicates an increase in the cash outflow required for acquiring or improving long-term assets.

  Deferred Income Tax: Deferred Income Tax increased to -1 million in 2023 from -2 million in 2022 representing a change of 57.62%. This indicates that the company's tax liability for future periods has increased.

  Accounts Receivables: Accounts Receivables increased to 0 in 2023 from -1 million in 2022 representing a change of 100.0%. This suggests that the company is less capable of collecting payments from its customers.

• Quarterly Cashflow Statement

Note: The years below are fiscal years in accounting.

	2024Q2	2024Q1	Q/Q change %
0000000000
operating cash flow	0	0	NaN
free cash flow	0	0	NaN
capital expenditure	0	0	NaN
depreciation and amortization	0	0	NaN
deferred income tax	0	0	NaN
stock based compensation	0	0	NaN
accounts receivables	0	0	NaN
accounts payables	0	0	NaN
inventory	0	0	NaN
acquisitions net	0	0	NaN
investments in property plant and equipment	0	0	NaN
net cash used for investing activites	0	0	NaN
debt repayment	0	0	NaN
common stock issued	0	0	NaN
common stock repurchased	0	0	NaN
dividends paid	0	0	NaN
net cash used provided by financing activities	0	0	NaN
net change in cash	0	0	NaN
cash at end of period	0	0	NaN
cash at beginning of period	0	0	NaN

Overall Score of Quarterly Cashflow Statement

0.5 out of 1

Detailed Analysis

Earnings Transcripts ⓘ

No earnings transcripts available.

Earnings Per Share (EPS) ⓘ

Analyst Stock Recommendations ⓘ

Discover detailed analyst recommendations for stocks, including categories such as Buy, Hold, Sell, Strong Buy, and Strong Sell. These insights are based on thorough analysis of financial and market factors. The consensus is calculated by assigning a numerical score to each recommendation. These scores are then weighted and averaged over a specified period to provide a comprehensive view of the stock's outlook, with the final score determining the overall consensus.

Financial Ratios ⓘ

• Annual Financial Ratios

	2023-12-31	2022-12-31	Y/Y change %
FY
calendar year	2023	2022	NaN
revenue per share	13.86	14.49	-4.37
net income per share	4.78	5.34	-10.41
operating cash flow per share	6.28	7.18	-12.58
free cash flow per share	6.22	7.1	-12.34
cash per share	71.19	78.71	-9.56
book value per share	34.17	27.98	22.13
tangible book value per share	34.17	-105.54	132.37
shareholders equity per share	34.17	27.98	22.13
interest debt per share	10.03	17.34	-42.14
market cap	330716070.72	361987328.2	-8.64
enterprise value	342558171.72	486912501.2	-29.65
pe ratio	7.52	7.45	0.91
price to sales ratio	2.6	2.75	-5.47
pocfratio	5.73	5.54	3.42
pfcf ratio	5.78	5.61	3.13
pb ratio	1.05	1.42	-25.98
ptb ratio	1.05	1.42	-25.98
ev to sales	2.69	3.69	-27.21
enterprise value over ebitda	5.5	6.97	-21.12
ev to operating cash flow	5.94	7.45	-20.36
ev to free cash flow	5.99	7.55	-20.59
earnings yield	0.13	0.13	-0.90
free cash flow yield	0.17	0.18	-3.03
debt to equity	0.18	0.61	-71.25
debt to assets	0.01	0.04	-65.11
net debt to ebitda	0.19	1.79	-89.37
current ratio	0.03	21.92	-99.88
interest coverage	1.79	25.7	-93.05
income quality	1.31	1.35	-2.43
dividend yield	0	0	NaN
payout ratio	0	0	NaN
sales general and administrative to revenue	0.36	0.32	13.25
research and ddevelopement to revenue	0	0	NaN
intangibles to total assets	0	0.32	-100.00
capex to operating cash flow	0.01	0.01	-22.72
capex to revenue	0.0	0.01	-29.36
capex to depreciation	0.17	0.24	-28.99
stock based compensation to revenue	0.02	0.02	-6.69
graham number	60.64	57.97	4.60
roic	0.13	0.12	5.64
return on tangible assets	0.01	0.02	-39.13
graham net net	-319.63	-318.48	-0.36
working capital	-2294290251	711477587	-422.47
tangible asset value	314053304	-959899805	132.72
net current asset value	-3531934352	-2840817116	-24.33
invested capital	-2289701251	1931431842	-218.55
average receivables	0	0	NaN
average payables	35137283.5	34795677	0.98
average inventory	-26232830.5	-147772699.5	82.25
days sales outstanding	0	0	NaN
days payables outstanding	-325.86	0	NaN
days of inventory on hand	0	0	NaN
receivables turnover	0	0	NaN
payables turnover	-1.12	0	NaN
inventory turnover	0	0	NaN
roe	0.14	0.19	-26.64
capex per share	0.06	0.09	-32.45

• ROE:

• Positive

  PE Ratio: Price-to-Earnings (P/E) Ratio increased to 7.52 on 2023-12-31 from 7.45 on 2022-12-31, representing a change of 0.91%. Indicating an increase in the relative valuation of the company's stock.

  Debt-to-Equity Ratio: Debt-to-Equity Ratio decreased to 0.18 on 2023-12-31 from 0.61 on 2022-12-31, representing a change of -71.25%. The debt-to-equity ratio has been decreasing, indicating that the company has been relying less on debt financing. A ratio of 1 or below is often considered healthy and indicates that the company's total debt is equal to or less than its total equity.

• Negative

  Current Ratio: Current Ratio decreased to 0.03 on 2023-12-31 from 21.92 on 2022-12-31, representing a change of -99.88%. The current ratio has been declining, suggesting a decrease in the company's short-term liquidity. Also, it's below 1, indicating potential liquidity issues.

• Quarterly Financial Ratios

	2024-09-30 Q3	2024-06-30 Q2	Q/Q change %
AMBZ
calendar year	2024	2024	NaN
revenue per share	5.04	4.79	5.22
net income per share	1.16	1.03	13.24
operating cash flow per share	None	0	NaN
free cash flow per share	None	0	NaN
cash per share	90.98	72.07	26.24
book value per share	38.53	35.73	7.83
tangible book value per share	38.53	35.73	7.83
shareholders equity per share	38.53	35.73	7.83
interest debt per share	1.45	12.27	-88.18
market cap	352073373.54	280101750.5	25.69
enterprise value	74338373.54	279754750.5	-73.43
pe ratio	8.16	7.37	10.76
price to sales ratio	7.53	6.32	19.20
pocfratio	0	0	NaN
pfcf ratio	0	0	NaN
pb ratio	0.98	0.85	16.32
ptb ratio	0.98	0.85	16.32
ev to sales	1.59	6.31	-74.80
enterprise value over ebitda	4.96	7.19	-31.02
ev to operating cash flow	0	0	NaN
ev to free cash flow	0	0	NaN
earnings yield	0.03	0.03	-9.71
free cash flow yield	None	0	NaN
debt to equity	0	0.3	-100.00
debt to assets	0	0.03	-100.00
net debt to ebitda	-18.52	-0.01	-207,675.55
current ratio	0.53	0.05	949.57
interest coverage	1	0.97	2.92
income quality	0	0	NaN
dividend yield	None	0	NaN
payout ratio	None	0	NaN
sales general and administrative to revenue	0.27	0.27	-0.68
research and ddevelopement to revenue	0	0	NaN
intangibles to total assets	0	0	NaN
capex to operating cash flow	0	0	NaN
capex to revenue	None	0	NaN
capex to depreciation	0	0	NaN
stock based compensation to revenue	None	0	NaN
graham number	31.73	28.72	10.50
roic	0.03	0.02	22.68
return on tangible assets	0.0	0.0	8.22
graham net net	-314.47	-316.48	0.64
working capital	-999533000	-1891130000	47.15
tangible asset value	357542000	330872000	8.06
net current asset value	-2640455000	-3497430000	24.50
invested capital	-994702000	-1886446000	47.27
average receivables	0	0	NaN
average payables	0	0	NaN
average inventory	0	0	NaN
days sales outstanding	0	0	NaN
days payables outstanding	0	0	NaN
days of inventory on hand	0	0	NaN
receivables turnover	0	0	NaN
payables turnover	0	0	NaN
inventory turnover	0	0	NaN
roe	0.03	0.03	5.02
capex per share	None	0	NaN

• Negative

  ROE: Return on Equity (ROE) decreased to 0.03 on 2024-09-30 Q3 from 0.03 on 2024-06-30 Q2, representing a change of 5.02%. Suggesting that the company has not been generating high returns for its shareholders.

  Current Ratio: Current Ratio increased to 0.53 on 2024-09-30 Q3 from 0.05 on 2024-06-30 Q2, representing a change of 949.57%. The current ratio has been increasing, suggesting an increase in the company's short-term liquidity. However, it's below 1, indicating potential liquidity issues.

• Positive

  PE Ratio: Price-to-Earnings (P/E) Ratio increased to 8.16 on 2024-09-30 Q3 from 7.37 on 2024-06-30 Q2, representing a change of 10.76%. Indicating an increase in the relative valuation of the company's stock.

  Debt-to-Equity Ratio: Debt-to-Equity Ratio decreased to 0.00 on 2024-09-30 Q3 from 0.30 on 2024-06-30 Q2, representing a change of -100.00%. The debt-to-equity ratio has been decreasing, indicating that the company has been relying less on debt financing. A ratio of 1 or below is often considered healthy and indicates that the company's total debt is equal to or less than its total equity.

Growth Rates ⓘ

• Annual Growth

• Quarterly Growth

Intrinsic Value (Discounted Cash Flow) ⓘ

Positive Sentiment: Discounted Cash Flow value is 93.53 which is higher than current price 43.75, indicates the company may be undervalued.