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 (%)	- -	5.49	9.3	8.3	8.24	8.19	7.21	17.59	14.46	14.76	13	11	9.83	13.45
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 (%)	- -	5.49	9.3	8.3	6.46	6.34	5.72	11.83	10.01	10.21	8.24	6.07	5.97	9.93

Credit (USD)

Credit Ratios 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

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	9.52	6.92	6.31	7.25	8.32	8.38	6.78	9.46	9.04	8.98	8.83	9.77	9.73	9.92
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 (%)	61.7	76.54	79.07	75.29	71.72	67.55	53.88	55.32	56.18	51.57	59.82	54.77	44.85	36.07
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 (%)	61.7	76.54	79.07	75.29	71.72	70.35	74.48	55.32	56.18	51.57	59.82	54.77	44.85	36.07
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 (%)	48.28	73.54	78.5	74.42	70.37	69.58	73.83	-23.02	-47.85	-310.49	-8.79	-24.83	-65.92	-36.3
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)

Liquidity Ratios 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

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.52	6.92	6.31	7.25	8.32	8.38	6.78	9.46	9.04	8.98	8.83	9.77	9.73	9.92
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 (%)	61.7	76.54	79.07	75.29	71.72	67.55	53.88	55.32	56.18	51.57	59.82	54.77	44.85	36.07
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 (%)	61.7	76.54	79.07	75.29	71.72	70.35	74.48	55.32	56.18	51.57	59.82	54.77	44.85	36.07
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	0.12	0.12	0.12	0.2	0.21	0.2	0.2

Working Capital (USD)

Working Capital Ratios 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

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)

Enterprise Value 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	- -	- -	- -	- -	- -	- -	47	- -	- -	- -	113	113	104	105
- 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	143	50	36	-38	219	182	113	120
Total Capital	61	109	137	142	148	150	134	136	151	157	204	199	174	167
Total Debt/Capital (%)	61.7	76.54	79.07	75.29	71.72	70.35	74.48	55.32	56.18	51.57	59.82	54.77	44.85	36.07
Total Debt / EV	1.73	1.17	1.03	1.05	1.07	1.04	0.7	1.51	2.36	-2.14	0.56	0.6	0.69	0.5
EV/Sales	25.81	9.65	11.56	10.95	9.58	8.75	13.64	2.52	1.64	2.05	8.64	7.38	4.4	3.61
EV/EBITDA	- -	33.65	24.72	14.78	14.18	14.25	24.56	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	43.37	28.9	26.95	21.83	19.9	34.92	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	31.55	60.97	1,769.92	19.29	15.94	27.47	34.54	6.55	7.29	5.44	11.38	29.16	12.63	16.31
EV/Free Cash Flow to Firm	20.25	60.97	1,769.92	19.29	15.94	27.47	34.54	6.5	7.14	5.33	11.08	25.56	12.28	15.94
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	3.61	11.79	17.12	14.94	13.78	13.66	23.98	- -	- -	8.91	34.61	28.8	17.91	19
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)

Valuation Multiples 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

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	34.92	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	22	71	104	102	100	101	143	50	36	-38	219	182	113	120
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	13.64	2.52	1.64	2.05	8.64	7.38	4.4	3.61
EV/EBITDA	- -	33.65	24.72	14.78	14.18	14.25	24.56	- -	- -	- -	- -	- -	- -	- -
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	- -	- -	- -	- -	- -	- -	1.37	- -	- -	- -	1.38	1.26	1.09	0.98
Price/Book Value Average	- -	- -	- -	- -	- -	- -	1.36	- -	- -	- -	1.28	1.21	1.03	0.91
Price/Book Value High	- -	- -	- -	- -	- -	- -	1.48	- -	- -	- -	1.93	1.37	1.18	1.1
Price/Book Value Low	- -	- -	- -	- -	- -	- -	1.27	- -	- -	- -	1.2	1.14	0.93	0.85
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	1.37	- -	- -	- -	1.38	1.26	1.09	0.98
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	1.36	- -	- -	- -	1.28	1.21	1.03	0.91
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	1.48	- -	- -	- -	1.93	1.37	1.18	1.1
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	1.27	- -	- -	- -	1.2	1.14	0.93	0.85
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	13.6	2.52	1.64	1.82	8.29	7.2	4.2	3.41
EV/Sales High	25.81	9.65	11.56	10.95	9.58	8.75	14.01	2.52	1.64	2.31	10.41	7.8	4.73	3.98
EV/Sales Low	25.81	9.65	11.56	10.95	9.58	8.75	13.31	2.52	1.64	1.04	8.04	6.94	3.8	3.21
EV/EBITDA Average	-7.57	33.65	24.72	14.78	14.18	14.25	24.48	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	-7.57	33.65	24.72	14.78	14.18	14.25	25.23	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	-7.57	33.65	24.72	14.78	14.18	14.25	23.97	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	-6.74	43.37	28.9	26.95	21.83	19.9	34.81	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	-6.74	43.37	28.9	26.95	21.83	19.9	35.87	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	-6.74	43.37	28.9	26.95	21.83	19.9	34.08	- -	- -	- -	- -	- -	- -	- -
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	143	50	36	-38	210	178	108	114
Enterprise Value High	22	71	104	102	100	101	147	50	36	-38	264	193	122	133
Enterprise Value Low	22	71	104	102	100	101	140	50	36	-38	204	171	98	107

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	2.62	2.05	0.58	0.71	0.93	0.51	0.55	- -	- -	- -	2.6	6.25	10.94	7.04
Book Value per Share	3.87	4.24	4.69	5.14	5.8	5.97	5.72	- -	- -	- -	12.95	14.2	15.19	16.89
Tangible Book Value per Share	3.87	4.24	4.69	5.14	5.8	5.97	5.72	- -	- -	- -	12.95	14.2	15.19	16.89

American Bank Incorporated

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)