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American Business Bank

AMBZ

(1.5)
Stock Price

44,49 USD

1.06% ROA

13.4% ROE

8.47x PER

Market Cap.

345.800.760,00 USD

30.22% DER

0% Yield

25.37% NPM

American Business Bank Stock Analysis

American Business Bank Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

American Business Bank Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.93x) suggests it's undervalued, making it an attractive opportunity for investors.

2 ROE

ROE in an average range (13.81%) suggests satisfactory profitability and decent utilization of shareholders' equity.

3 ROA

The stock's ROA (0.93%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

4 Graham Number

Based on the Graham number, this company's stock price appears to be lower than its intrinsic value, signaling a potentially favorable investment choice.

5 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (94), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

6 DER

The company has a high debt to equity ratio (113%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

7 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

8 Net Profit Growth

Over the past five years, this company's net profit has failed to exhibit any growth, indicating a stagnant financial performance and making it a less favorable choice for potential investors.

9 Assets Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

10 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

11 Dividend

No dividends from the company in the past three years raises doubts about its profitability for shareholders.

American Business Bank Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

American Business Bank Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

American Business Bank Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

American Business Bank Revenue
Year Revenue Growth
2002 10.005.000
2003 11.392.000 12.18%
2004 14.916.000 23.63%
2005 19.223.000 22.41%
2006 20.153.000 4.61%
2007 23.012.000 12.42%
2012 40.021.000 42.5%
2013 45.314.000 11.68%
2014 43.348.000 -4.54%
2015 47.262.000 8.28%
2016 55.715.000 15.17%
2017 60.070.797 7.25%
2018 70.952.919 15.34%
2019 84.013.902 15.55%
2020 95.915.915 12.41%
2021 113.585.600 15.56%
2022 131.780.068 13.81%
2023 128.920.000 -2.22%
2023 167.977.000 23.25%
2024 177.268.000 5.24%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

American Business Bank Research and Development Expenses
Year Research and Development Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

American Business Bank General and Administrative Expenses
Year General and Administrative Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 31.673.524 100%
2019 35.466.480 10.69%
2020 37.312.402 4.95%
2021 39.867.244 6.41%
2022 41.688.912 4.37%
2023 45.948.000 9.27%
2023 45.631.195 -0.69%
2024 48.208.000 5.35%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

American Business Bank EBITDA
Year EBITDA Growth
2002 4.749.000
2003 4.623.000 -2.73%
2004 6.283.000 26.42%
2005 11.293.000 44.36%
2006 14.426.000 21.72%
2007 17.948.000 19.62%
2012 0 0%
2013 0 0%
2014 0 0%
2015 1 100%
2016 -17.339.000 100%
2017 670.651 2685.4%
2018 25.710.965 97.39%
2019 33.443.928 23.12%
2020 42.357.244 21.04%
2021 55.984.733 24.34%
2022 72.514.605 22.8%
2023 56.712.000 -27.86%
2023 3.172.203 -1687.78%
2024 -52.808.000 106.01%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

American Business Bank Gross Profit
Year Gross Profit Growth
2002 10.005.000
2003 11.392.000 12.18%
2004 14.916.000 23.63%
2005 19.223.000 22.41%
2006 20.153.000 4.61%
2007 23.012.000 12.42%
2012 40.021.000 42.5%
2013 45.314.000 11.68%
2014 43.348.000 -4.54%
2015 47.262.000 8.28%
2016 55.715.000 15.17%
2017 60.070.797 7.25%
2018 70.952.919 15.34%
2019 84.013.902 15.55%
2020 95.915.915 12.41%
2021 113.585.600 15.56%
2022 131.780.068 13.81%
2023 128.920.000 -2.22%
2023 167.977.000 23.25%
2024 177.268.000 5.24%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

American Business Bank Net Profit
Year Net Profit Growth
2002 1.646.000
2003 2.052.000 19.79%
2004 3.416.000 39.93%
2005 5.287.000 35.39%
2006 5.018.000 -5.36%
2007 5.208.000 3.65%
2012 10.884.000 52.15%
2013 13.493.000 19.34%
2014 11.460.000 -17.74%
2015 12.120.000 5.45%
2016 12.833.000 5.56%
2017 8.318.597 -54.27%
2018 16.393.442 49.26%
2019 22.077.319 25.75%
2020 28.772.824 23.27%
2021 39.162.533 26.53%
2022 48.559.215 19.35%
2023 40.728.000 -19.23%
2023 43.966.127 7.37%
2024 37.996.000 -15.71%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

American Business Bank Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2002 0
2003 0 0%
2004 1 0%
2005 1 0%
2006 1 0%
2007 1 0%
2012 2 100%
2013 2 0%
2014 2 0%
2015 2 0%
2016 2 0%
2017 1 0%
2018 2 0%
2019 3 50%
2020 3 33.33%
2021 4 25%
2022 5 20%
2023 4 -25%
2023 5 0%
2024 4 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

American Business Bank Free Cashflow
Year Free Cashflow Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 28.726.312 100%
2018 37.712.217 23.83%
2019 45.437.605 17%
2020 46.328.369 1.92%
2021 59.396.886 22%
2022 64.533.282 7.96%
2023 57.170.531 -12.88%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

American Business Bank Operating Cashflow
Year Operating Cashflow Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 29.181.151 100%
2018 39.210.167 25.58%
2019 54.060.645 27.47%
2020 47.022.529 -14.97%
2021 59.893.128 21.49%
2022 65.330.858 8.32%
2023 57.715.038 -13.2%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

American Business Bank Capital Expenditure
Year Capital Expenditure Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 454.839 100%
2018 1.497.950 69.64%
2019 8.623.040 82.63%
2020 694.160 -1142.23%
2021 496.242 -39.88%
2022 797.576 37.78%
2023 544.507 -46.48%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

American Business Bank Equity
Year Equity Growth
2002 23.427.000
2003 25.187.000 6.99%
2004 28.736.000 12.35%
2005 32.370.000 11.23%
2006 38.900.000 16.79%
2007 43.604.000 10.79%
2012 103.735.000 57.97%
2013 95.816.000 -8.26%
2014 119.397.000 19.75%
2015 131.383.000 9.12%
2016 135.637.000 3.14%
2017 152.802.783 11.23%
2018 165.067.398 7.43%
2019 206.665.422 20.13%
2020 247.838.184 16.61%
2021 278.554.031 11.03%
2022 254.449.774 -9.47%
2023 314.054.000 18.98%
2023 279.277.000 -12.45%
2024 330.872.000 15.59%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

American Business Bank Assets
Year Assets Growth
2002 295.507.000
2003 361.411.000 18.24%
2004 457.993.000 21.09%
2005 508.541.000 9.94%
2006 537.157.000 5.33%
2007 608.311.000 11.7%
2012 1.304.503.000 53.37%
2013 1.342.125.000 2.8%
2014 1.534.869.000 12.56%
2015 1.671.257.000 8.16%
2016 1.853.402.000 9.83%
2017 1.873.549.138 1.08%
2018 2.157.442.934 13.16%
2019 2.401.911.012 10.18%
2020 3.454.261.682 30.47%
2021 3.912.275.726 11.71%
2022 3.840.761.510 -1.86%
2023 3.902.724.000 1.59%
2023 3.874.161.000 -0.74%
2024 3.928.649.000 1.39%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

American Business Bank Liabilities
Year Liabilities Growth
2002 272.080.000
2003 336.224.000 19.08%
2004 429.257.000 21.67%
2005 476.171.000 9.85%
2006 498.257.000 4.43%
2007 564.707.000 11.77%
2012 117.600.000 -380.19%
2013 5.000.000 -2252%
2014 41.000.000 87.8%
2015 5.000.000 -720%
2016 1.717.765.000 99.71%
2017 1.720.746.355 0.17%
2018 1.992.375.536 13.63%
2019 30.386.241 -6456.83%
2020 34.013.518 10.66%
2021 35.574.321 4.39%
2022 3.586.311.736 99.01%
2023 3.588.670.000 0.07%
2023 40.000.000 -8871.68%
2024 3.597.777.000 98.89%

American Business Bank Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
17.69
Net Income per Share
4.49
Price to Earning Ratio
8.47x
Price To Sales Ratio
2.11x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
1.06
EV to Sales
2.11
EV Over EBITDA
353.9
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.12
FreeCashFlow Yield
0
Market Cap
0,35 Bil.
Enterprise Value
0,35 Bil.
Graham Number
60.07
Graham NetNet
-316.48

Income Statement Metrics

Net Income per Share
4.49
Income Quality
0
ROE
0.13
Return On Assets
0.01
Return On Capital Employed
0.04
Net Income per EBT
0.72
EBT Per Ebit
0.71
Ebit per Revenue
0.5
Effective Tax Rate
0.28

Margins

Sales, General, & Administrative to Revenue
0.28
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.92
Operating Profit Margin
0.5
Pretax Profit Margin
0.35
Net Profit Margin
0.25

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.14
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
72,07
Book Value per Share
35,73
Tangible Book Value per Share
35.73
Shareholders Equity per Share
35.73
Interest Debt per Share
15.82
Debt to Equity
0.3
Debt to Assets
0.03
Net Debt to EBITDA
-0.36
Current Ratio
0.05
Tangible Asset Value
0,33 Bil.
Net Current Asset Value
-3,50 Bil.
Invested Capital
-1886446000
Working Capital
-1,89 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.29

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

American Business Bank Dividends
Year Dividends Growth

American Business Bank Profile

About American Business Bank

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; treasury management; asset-based lending; SBA lending; international banking comprising money transfers, import and export commercial letters of credit, standby letters of credit, documentary and clean collections, and foreign currency exchange services; and consulting and referral services. It operates seven regional loan production offices located in North Orange County, Orange County, South Bay, San Fernando Valley, Riverside County, Inland Empire, and Long Beach. The company was incorporated in 1998 and is headquartered in Los Angeles, California.

CEO
Mr. Leon Ira Blankstein
Employee
243
Address
400 South Hope Street
Los Angeles, 90071

American Business Bank Executives & BODs

American Business Bank Executives & BODs
# Name Age
1 Mr. Mark A. Christian
Executive Vice President & Chief Operating Officer
70
2 Mr. Erik Dickerson
Regional Executive Vice President
70
3 Mr. Stephen W. Pihl
Regional Executive Vice President & SBA Manager
70
4 Mr. Leon Ira Blankstein
Chief Executive Officer & Director
70
5 Mr. Donald P. Johnson
Co-Founder & Vice Chairman
70
6 Mr. Philip C. Feghali
President
70
7 Ms. Karen Schoenbaum
Executive Vice President & Chief Financial Officer
70
8 Mr. Gary Coleman
Senior Vice President & Senior Relationship Manager
70
9 Mr. David A. Wolf
Executive Vice President
70
10 David Plourde
Regional Executive Vice President
70

American Business Bank Competitors