American Bank Incorporated Financial Ratios — AMBK Stock

Profitability (USD)

	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	- -	161.02	63.1	46.6	37.41	25.08	30.66	20.09	20.18	17.51	14.57	12.95	17.44
Return on Assets (%)	- -	0.44	0.61	0.56	0.64	0.68	0.55	1.46	1.33	1.33	1.16	1.02	0.96	1.32
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	1.58	2.05	1.9	2.19	2.37	2	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	-340.9	28.68	46.74	74.08	67.59	61.42	55.55	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	-383.23	22.25	39.98	40.62	43.9	43.98	39.07	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	74.67	117.04	63.49	71.61	44.68	92	-44.46	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	81.21	22.25	39.98	40.62	43.9	43.98	39.07	50.31	49.23	52.8	50.11	47.21	43.7	50.82
Profit Margin (%)	51.01	18.21	27.84	28.39	30.49	30.47	26.92	42.25	41.69	43.72	40.59	38.24	35.5	40.92
Net Income to Common Margin (%)	51.01	18.21	27.84	28.39	30.49	30.47	26.92	42.25	41.69	43.72	40.59	38.24	35.5	40.92
Effective Tax Rate (%)	37.19	18.17	30.36	30.11	30.55	30.7	31.09	20.71	19.63	20.52	20.31	20.12	19.84	20.13
Dvd Payout Ratio (%)	- -	- -	- -	- -	21.6	22.54	20.7	32.78	30.77	30.84	36.61	44.85	39.27	26.15
Sustainable Growth Rate (%)	- -	- -	161.02	63.1	36.54	28.98	19.89	20.61	13.91	13.96	11.1	8.03	7.87	12.88

Credit (USD)

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	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	37	83	108	107	106	105	100	75	85	81	122	109	78	60
ST Debt	- -	- -	- -	- -	- -	4	28	- -	- -	- -	- -	- -	- -	- -
LT Debt	37	83	108	107	106	101	72	75	85	81	122	109	78	60
Total Debt/EBITDA	-13.06	39.51	25.57	15.49	15.14	14.78	17.1	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	-7.57	33.65	24.72	14.78	14.18	14.25	16.53	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	-11.62	50.91	29.89	28.24	23.31	20.65	24.31	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	-6.74	43.37	28.9	26.95	21.83	19.9	23.5	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	-0.42	0.08	0.62	1.15	1.6	2.05	2.33	6.65	6.63	6.55	6.67	7.38	7.43	7.73
Long-Term Debt/Equity (%)	161.07	326.32	377.68	304.77	253.6	227.84	211.1	123.82	128.21	106.49	148.9	121.1	81.31	56.41
Long-Term Debt/Capital (%)	102.85	99.64	97.45	95.06	92.95	87.05	64.73	63.76	63.59	59.36	66.36	61.6	51.59	42.01
Long-Term Debt/Total Assets (%)	15.33	22.58	23.83	22.11	21.11	19.1	14.32	11.71	11.59	9.56	13.15	11.84	7.91	5.6
Total Debt/Equity (%)	161.07	326.32	377.68	304.77	253.6	237.31	291.81	123.82	128.21	106.49	148.9	121.1	81.31	56.41
Total Debt/Capital (%)	102.85	99.64	97.45	95.06	92.95	90.67	89.47	63.76	63.59	59.36	66.36	61.6	51.59	42.01
Total Debt/Total Assets (%)	15.33	22.58	23.83	22.11	21.11	19.89	19.79	11.71	11.59	9.56	13.15	11.84	7.91	5.6
Net Debt to Equity	93.35	277.96	365.21	290.87	237.55	228.78	282.15	-41.88	-73.86	-156.19	-20.1	-43.98	-72.03	-41.65
Net Debt/Capital (%)	105.02	99.58	97.37	94.84	92.51	90.36	89.15	-27.5	-57.81	-673.18	-9.84	-28.82	-84.17	-44.98
EBITDA	-3	2	4	7	7	7	6	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	-3	2	4	7	7	7	6	- -	- -	- -	-1	-1	- -	- -
Operating Income (Loss)	-3	2	4	4	5	5	4	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	-0.42	0.08	0.62	1.15	1.6	2.05	2.33	6.65	6.63	6.55	6.67	7.38	7.43	7.73
Long-Term Debt/Equity (%)	161.07	326.32	377.68	304.77	253.6	227.84	211.1	123.82	128.21	106.49	148.9	121.1	81.31	56.41
Long-Term Debt/Capital (%)	102.85	99.64	97.45	95.06	92.95	87.05	64.73	63.76	63.59	59.36	66.36	61.6	51.59	42.01
Long-Term Debt/Total Assets (%)	15.33	22.58	23.83	22.11	21.11	19.1	14.32	11.71	11.59	9.56	13.15	11.84	7.91	5.6
Total Debt/Equity (%)	161.07	326.32	377.68	304.77	253.6	237.31	291.81	123.82	128.21	106.49	148.9	121.1	81.31	56.41
Total Debt/Capital (%)	102.85	99.64	97.45	95.06	92.95	90.67	89.47	63.76	63.59	59.36	66.36	61.6	51.59	42.01
Total Debt/Total Assets (%)	15.33	22.58	23.83	22.11	21.11	19.89	19.79	11.71	11.59	9.56	13.15	11.84	7.91	5.6
CFO/Total Liabilities	0.31	0.34	0.01	1.18	1.35	0.76	0.88	1.31	0.74	1.17	2.28	0.75	1.01	0.76
CFO/CapEx	1.79	- -	- -	- -	- -	- -	- -	130.83	50	48.49	37.58	7.09	34.88	43.39
Altman's Z-Score	-0.05	0.03	0.05	0.06	0.07	0.08	0.14	0.19	0.18	0.19	0.2	0.21	0.2	0.14

Working Capital (USD)

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	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	6.14	3.73	4.2	5.07	4.8	3.85	14.37	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	59.44	97.78	86.88	71.94	76.07	94.75	25.41	- -	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

API ChatGPT

	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	48	67	67	87	111	112	104	- -
- Cash & Cash Equivalents	16	12	4	5	7	4	3	25	49	119	16	40	69	45
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	37	83	108	107	106	105	100	75	85	81	122	109	78	60
Enterprise Value	22	71	104	102	100	101	145	117	103	49	216	181	113	16
Total Capital	36	84	111	112	114	116	112	118	134	137	184	177	151	144
Total Debt/Capital (%)	102.85	99.64	97.45	95.06	92.95	90.67	89.47	63.76	63.59	59.36	66.36	61.6	51.59	42.01
Total Debt / EV	1.73	1.17	1.03	1.05	1.07	1.04	0.69	0.64	0.83	1.65	0.56	0.6	0.69	3.82
EV/Sales	25.81	9.65	11.56	10.95	9.58	8.75	13.77	5.9	4.66	2.05	8.55	7.35	4.37	0.47
EV/EBITDA	- -	33.65	24.72	14.78	14.18	14.25	24.79	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	43.37	28.9	26.95	21.83	19.9	35.25	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	31.55	60.97	1,769.92	19.29	15.94	27.47	34.87	15.36	20.72	5.44	11.25	29.04	12.56	2.14
EV/Free Cash Flow to Firm	20.25	60.97	1,769.92	19.29	15.94	27.47	34.87	15.24	20.32	5.33	10.96	25.45	12.21	2.09
Diluted Market Cap	- -	- -	- -	- -	- -	- -	52	81	80	99	117	119	109	- -
Diluted Enterprise Value	22	71	104	102	100	101	148	130	116	61	223	188	118	16
EV per Share	3.62	10.03	17.43	15.81	13.83	13.79	23.53	20.93	18.51	8.91	34.98	28.87	17.92	- -
TTM Sales	1	7	9	9	10	12	11	20	22	24	25	25	26	33
TTM EBITDA	-3	2	4	7	7	7	6	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	-3	2	4	4	5	5	4	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	1	1	- -	5	6	4	4	8	5	9	19	6	9	7
TTM Free Cash Flow to Firm	1	1	- -	5	6	4	4	8	5	9	20	7	9	8

Multiples (USD)

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	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	12.43	10.57	15.92	10.65	5.95	16.64	11.82	- -
EV/EBIT	- -	43.37	28.9	26.95	21.83	19.9	35.25	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	22	71	104	102	100	101	145	117	103	49	216	181	113	16
Low Price	- -	- -	- -	- -	- -	- -	7.26	11.5	9	11.38	15.5	16.16	14.07	14.4
EV/Sales	25.81	9.65	11.56	10.95	9.58	8.75	13.77	5.9	4.66	2.05	8.55	7.35	4.37	0.47
EV/EBITDA	- -	33.65	24.72	14.78	14.18	14.25	24.79	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	17.04	8.01	7.24	8.29	10.79	11.88	11.34	- -
Price/Earnings Average	- -	- -	- -	- -	- -	- -	16.87	8.05	7.16	7.77	9.95	11.43	10.77	- -
Price/Earnings High	- -	- -	- -	- -	- -	- -	18.46	9.04	7.75	8.88	15.05	12.98	12.27	- -
Price/Earnings Low	- -	- -	- -	- -	- -	- -	15.78	7.67	5.43	5.99	9.33	10.75	9.67	- -
Price/Book Value	- -	- -	- -	- -	- -	- -	4.11	1.57	1.37	1.57	1.79	1.65	1.41	- -
Price/Book Value Average	- -	- -	- -	- -	- -	- -	4.07	1.57	1.35	1.47	1.65	1.59	1.34	- -
Price/Book Value High	- -	- -	- -	- -	- -	- -	4.45	1.77	1.46	1.68	2.5	1.81	1.53	- -
Price/Book Value Low	- -	- -	- -	- -	- -	- -	3.8	1.5	1.02	1.13	1.55	1.5	1.21	- -
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	1.41	1.1	1	1.14	1.35	1.25	1.08	- -
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	1.4	1.11	0.99	1.07	1.25	1.2	1.02	- -
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	1.53	1.24	1.07	1.23	1.89	1.36	1.17	- -
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	1.31	1.06	0.75	0.83	1.17	1.13	0.92	- -
Price/Sales	- -	- -	- -	- -	- -	- -	4.59	3.38	3.02	3.62	4.38	4.54	4.03	- -
Price/Sales Average	- -	- -	- -	- -	- -	- -	4.54	3.4	2.98	3.4	4.04	4.37	3.82	- -
Price/Sales High	- -	- -	- -	- -	- -	- -	4.97	3.82	3.23	3.88	6.11	4.96	4.36	- -
Price/Sales Low	- -	- -	- -	- -	- -	- -	4.25	3.24	2.26	2.62	3.79	4.11	3.43	- -
Price/Cash Flow	- -	- -	- -	- -	- -	- -	11.62	8.81	13.44	9.62	5.77	17.95	11.56	- -
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	11.5	8.85	13.28	9.01	5.32	17.27	10.98	- -
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	12.58	9.94	14.38	10.31	8.04	19.61	12.51	- -
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	10.76	8.44	10.08	6.95	4.98	16.25	9.86	- -
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	12.31	10.62	15.73	9.98	5.48	16.01	11.22	- -
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	13.46	11.93	17.04	11.42	8.29	18.18	12.78	- -
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	11.51	10.13	11.94	7.7	5.14	15.06	10.08	- -
EV/Sales Average	25.81	9.65	11.56	10.95	9.58	8.75	13.73	5.92	4.62	1.82	8.2	7.17	4.17	0.47
EV/Sales High	25.81	9.65	11.56	10.95	9.58	8.75	14.15	6.34	4.87	2.31	10.27	7.77	4.7	0.47
EV/Sales Low	25.81	9.65	11.56	10.95	9.58	8.75	13.43	5.76	3.9	1.04	7.95	6.92	3.78	0.47
EV/EBITDA Average	-7.57	33.65	24.72	14.78	14.18	14.25	24.71	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	-7.57	33.65	24.72	14.78	14.18	14.25	25.48	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	-7.57	33.65	24.72	14.78	14.18	14.25	24.18	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	-6.74	43.37	28.9	26.95	21.83	19.9	35.13	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	-6.74	43.37	28.9	26.95	21.83	19.9	36.22	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	-6.74	43.37	28.9	26.95	21.83	19.9	34.38	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	7.84	12	12	15.75	17.93	17.85	16.5	16.51
High Price	- -	- -	- -	- -	- -	- -	8.49	13.55	12.84	16.88	25	19.5	17.85	18.5
Enterprise Value Average	22	71	104	102	100	101	144	117	102	44	208	177	107	16
Enterprise Value High	22	71	104	102	100	101	149	125	107	56	260	192	121	16
Enterprise Value Low	22	71	104	102	100	101	141	114	86	25	201	171	97	16

Shares Outstanding	6	6	6	7	7	7	6	- -	- -	- -	6	6	6	6
Diluted Weighted Avg Shares	6	7	6	7	7	8	7	7	7	6	7	7	7	- -
Basic Weighted Avg Shares	6	7	6	6	7	7	6	6	6	6	6	6	6	- -
Revenue per Share	0.14	1.04	1.51	1.44	1.44	1.58	1.71	3.55	3.97	4.35	4.09	3.93	4.1	- -
EBITDA per Share	-0.48	0.3	0.71	1.07	0.98	0.97	0.95	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	-0.54	0.23	0.6	0.59	0.63	0.69	0.67	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.07	0.19	0.42	0.41	0.44	0.48	0.46	1.5	1.66	1.9	1.66	1.5	1.45	- -
Basic EPS from Cont Ops	0.07	0.19	0.42	0.41	0.44	0.48	0.46	1.42	1.57	1.82	1.63	1.48	1.44	- -
Diluted EPS, GAAP	0.07	0.18	0.4	0.39	0.43	0.45	0.43	1.24	1.37	1.68	1.57	1.42	1.38	- -
Diluted EPS from Cont Ops	0.07	0.18	0.4	0.39	0.43	0.45	0.43	1.17	1.3	1.61	1.54	1.4	1.37	- -
Dividend per Share	- -	- -	- -	- -	0.1	0.11	0.1	0.46	0.48	0.56	0.6	0.66	0.56	- -
Cash Flow per Share	0.11	0.16	0.01	0.82	0.87	0.5	0.67	1.36	0.89	1.64	3.11	0.99	1.43	- -
Free Cash Flow per Basic Share	0.05	0.16	0.01	0.82	0.87	0.5	0.67	1.35	0.88	1.6	3.03	0.85	1.39	- -
Cash & Equivalents per Share	2.63	1.75	0.6	0.76	0.93	0.51	0.54	4.56	8.84	21.5	2.66	6.29	11.01	- -
Book Value per Share	-0.17	0.04	0.47	0.86	1.12	1.47	1.91	7.67	8.79	10.04	9.99	10.79	11.67	- -
Tangible Book Value per Share	3.88	3.61	4.77	5.44	5.82	6.03	5.56	10.89	11.97	13.77	13.24	14.29	15.29	- -

American Bank Incorporated

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)