American Business Bk (AMBZ) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of American Business Bk stock $52.28, price $71.30, that is 26.7% below the price, quality 62 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range $23.21 – $73.15 · fair‑value band $43.23 – $76.01 · the $71.30 price screens above the $52.28 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
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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.
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The company offers credit and depository; treasury management; asset-based lending; SBA lending; international banking comprising money transfer, import and export commercial letters of credit, standby letters of credit, and foreign currency exchange services; and consulting and referral services.
It operates regional loan production offices located in North Orange County, Orange County, South Bay, San Fernando Valley, Riverside County, Inland Empire, Long Beach, and San Diego. The company was incorporated in 1998 and is based in Los Angeles, California.
Stock analysis
American Business Bk (AMBZ) currently trades at $71.30, while our model-based Fair Value estimate is $52.28, 27% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $69.96 per share, and 1 of the 6 models we run sit above the $71.30 price.
Bear case: the Dividend Discount group reads lowest at $15.81, and 5 of the 6 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $43.23 (bear) to $76.01 (bull), the price of $71.30 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 62/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
American Business Bk reported revenue of $156M in FY2025 versus $114M in FY2021, a compound +8.3%/yr. Reported net income was $54.2M in FY2025, compounding +8.5%/yr from FY2021.
Key figures
Market cap $633M Small · P/E ratio 10.7 · P/S ratio 3.72 · EPS (TTM) $6.67 · Dividend yield 1.6% · Net margin 37.8% · Return on equity 15.5% · Return on assets (EBIT) 1.0% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 63 out of 100 (medium confidence).
What moves the price
The share trades about 3% below its 52-week high and 23% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −27%, AMBZ screens cheaper than that median.
Fair Value models
Bear$43.23Fair Value $52.28Bull$76.01
Price $71.30 · Downside -26.7%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($4.72 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.91/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+18.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+5.8%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.2%
Start year 2020 (pandemic). Over 10 years: +12.7% a year
Revenue growth 13 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.2%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
News mood ⓘNews mood, the average tone of recent news (41 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks
Beats the industry median on 9/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score62 · Top 25%
Fair Value upside−26.7% · Below median
Profitability
Return on equity (12 months)15.5% · Top 25%
Return on assets1.2% · Above median
Net margin (12 months)37.8% · Above median
Operating margin (12 months)53.5% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)11.2% · Above median
Dividend yield (12 months)1.6% · Below median
Balance sheet
Debt / equity0.13× · Below median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (12 months)10.7× · Cheaper than median
P/B1.54× · Priciest 25%
P/S (12 months)3.72× · Pricier than median
Price / free cash flow (fiscal year)9.1× · Cheaper than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 8
FUTURE (revenue growth)56· sector 47
PAST (return on equity)62· sector 43
HEALTH (low debt)–
DIVIDEND (yield)32· sector 53
VALUE 0: the price sits above our fair-value range.
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "American Business Bk Fair Value". https://www.fairvalue-calculator.com/stock/AMBZ
Frequently asked questions
Is American Business Bk (AMBZ) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of $52.28 versus a price of $71.30, about 27% lower (overvalued).
What is the fair value of AMBZ?
Our model-based fair value for American Business Bk is $52.28 (as of Nov 6, 2026), built from audited fundamentals. The current price: $71.30.
What is the quality score of AMBZ?
American Business Bk has a Quality Score of 62/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for American Business Bk (AMBZ)?
Our model-based price target is the fair value of $52.28 (as of Nov 6, 2026) from 6 valuation models. Cautious scenario $43.23, optimistic scenario $76.01. It is a calculation from audited fundamentals, not an analyst target.
What is the American Business Bk stock forecast for 2026?
Our models put fair value at $52.28, about 27% lower versus a price of $71.30 (overvalued). Cautious scenario $43.23, optimistic scenario $76.01. The calculation is refreshed regularly with new filings.
What is the revenue of American Business Bk (AMBZ)?
American Business Bk reported trailing-twelve-month revenue of about $170M (latest available figure, as of Nov 6, 2026).
Does American Business Bk pay a dividend?
American Business Bk currently shows a dividend yield of 1.61% relative to its recent price (as of Nov 6, 2026).
How much is the dividend of American Business Bk (AMBZ) and when is the ex-dividend date?
American Business Bk pays a dividend of $1.15 per share a year, a dividend yield of 1.6%. The next ex-dividend date is Nov 12, 2026. The payout ratio is 17.2% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of American Business Bk (AMBZ)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For American Business Bk it is $52.28 per share (as of Nov 6, 2026), against a price of $71.30. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is American Business Bk stock overvalued or undervalued in 2026?
As of Nov 6, 2026, AMBZ trades above its calculated fair value: price $71.30, fair value $52.28, a gap of about −27% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of AMBZ?
No. The price is what the market pays today ($71.30); the fair value is what the company's own numbers justify ($52.28). For American Business Bk the two are $19.02 per share apart. That gap is exactly why we show both numbers side by side.
How much is American Business Bk worth?
The market values American Business Bk at about $633M (market capitalisation, as of Nov 6, 2026). Per share that is $71.30; our models calculate a fair value of $52.28 per share.
What do the bullish and bearish scenarios say about AMBZ?
Our models span a range for American Business Bk: cautious scenario $43.23, base $52.28, optimistic $76.01 per share (as of Nov 6, 2026, price $71.30). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of AMBZ?
American Business Bk trades at a price-to-earnings ratio of 10.7 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $52.28 is built from several models across several years. Median P/E at fiscal year-end, 8 fiscal years (2018 to 2025), reported earnings: 9.1. Other multiples: P/B 1.5, P/S 3.7.
How solid is the balance sheet of American Business Bk (AMBZ)?
Balance-sheet figures for American Business Bk (as of Nov 6, 2026): return on equity 15.5%, debt of 0.13 per unit of equity. They feed the Quality Score of 62/100, which measures business quality independently of the share price.
How far is AMBZ from its 52-week high?
American Business Bk trades at $71.30, about 3% below its 52-week high of $73.15 and 23% above the low of $57.77 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $52.28 is for.
Which stocks are comparable to American Business Bk?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is American Business Bk stock attractive at the current price?
The data as of Nov 6, 2026: price $71.30, calculated fair value $52.28 (−27%), Quality Score 62/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of AMBZ calculated?
We run American Business Bk through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $52.28 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. American Business Bk itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of American Business Bk (AMBZ)?
The closing price on Nov 6, 2026 was $71.30. Our model-based fair value is $52.28, about 27% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with American Business Bk right now?
Solid but not exceptional quality (62/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of American Business Bk
How large is the market capitalisation of American Business Bk (AMBZ)?
The market capitalisation of American Business Bk is $633M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of American Business Bk (AMBZ)?
The price-to-sales ratio of American Business Bk is 3.72 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of American Business Bk (AMBZ)?
Earnings per share at American Business Bk are $6.67 (price ÷ EPS = P/E 10.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of American Business Bk (AMBZ)?
The dividend yield of American Business Bk is 1.6% (payout 17.2%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of American Business Bk (AMBZ)?
The net margin of American Business Bk is 37.8% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of American Business Bk (AMBZ)?
The return on equity (ROE) of American Business Bk is 15.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of American Business Bk (AMBZ)?
On an EBIT basis the return on assets of American Business Bk is 1.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of American Business Bk (AMBZ)?
The operating margin of American Business Bk is 53.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at American Business Bk (AMBZ)?
Revenue at American Business Bk is growing +11.2% versus a year earlier (3y avg +5.8%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at American Business Bk (AMBZ)?
Earnings per share at American Business Bk are growing +21.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does American Business Bk (AMBZ) generate?
The free cash flow of American Business Bk is $69.8M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does American Business Bk (AMBZ) carry?
The net debt of American Business Bk is $11.8M (fiscal year 2023, ≈ 0.2 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Nov 6, 2026