1. United States of America Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
American Business Bank

American Business Bank

AMBZ
American Business BankUS flagOther OTC
72.47
USD
+0.24
- -
644.99MMarket Cap

Income Statement (USD)

APIChat
2002 Y
2003 Y
2004 Y
2005 Y
2006 Y
2007 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
Sales/Revenue/Turnover
10
11
15
19
20
23
71
84
96
114
132
131
132
156
+ Sales & Services Revenue
10
11
15
19
20
23
71
84
96
114
132
131
132
156
- Cost of Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cost of Goods & Services
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Gross Profit
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Operating Income
-2
-3
-4
-7
-7
-7
- -
- -
- -
- -
- -
- -
- -
- -
- Operating Expenses
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Selling, General & Admin
- -
- -
- -
- -
- -
- -
33
37
39
42
44
48
51
57
+ Research & Development
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Operating Expense
- -
- -
- -
- -
- -
- -
-33
-37
-39
-42
-44
-48
-51
-57
Operating Income (Loss)
2
3
4
7
7
7
- -
- -
- -
- -
- -
- -
- -
- -
- Non-Operating (Income) Loss
- -
- -
- -
- -
- -
- -
-22
-30
-39
-53
-67
-61
-60
-75
+ Interest Expense, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Interest Expense
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Interest Income
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Non-Op (Income) Loss
- -
- -
- -
- -
- -
- -
-22
-30
-39
-53
-67
-61
-60
-75
Pretax Income
2
3
4
7
7
7
22
30
39
53
67
61
60
75
- Income Tax Expense (Benefit)
1
1
1
2
2
2
5
8
10
14
18
17
17
21
- (Income) Loss from Affiliates
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Income (Loss) from Cont Ops
2
2
3
5
5
5
16
22
29
39
49
44
43
54
- Net Extraordinary Losses (Gains)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Discontinued Operations
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Extraord. & Accounting Changes
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Income (Loss) Incl. MI
2
2
3
5
5
5
16
22
29
39
49
44
43
54
- Minority Interest
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Income, GAAP
2
2
3
5
5
5
16
22
29
39
49
44
43
54
- Preferred Dividends
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Other Adjustments
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Income Avail to Common, GAAP
2
2
3
5
5
5
16
22
29
39
49
44
43
54
EBIT
2
3
4
7
7
7
- -
- -
- -
- -
- -
- -
- -
- -
EBITDA
2
3
4
7
7
7
1
4
3
3
3
3
3
4
EBITDA Margin (%)
24.3
25.32
29.2
38.88
35.99
31.33
1.32
4.19
3.33
2.79
2.5
2.43
2.33
2.35
EBITA
2
3
4
7
7
7
- -
- -
- -
- -
- -
- -
- -
- -
Gross Margin (%)
100
100
100
100
100
100
100
100
100
100
100
100
100
100
Operating Margin (%)
24.3
25.32
29.2
38.88
35.99
31.33
- -
- -
- -
- -
- -
- -
- -
- -
Profit Margin (%)
16.45
18.01
22.9
27.5
24.9
22.63
23.1
26.28
30
34.48
36.85
33.62
32.79
34.72
Sales per Employee
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
0.98
Depreciation Expense
- -
- -
- -
- -
- -
- -
1
4
3
3
3
3
3
4
Basic Weighted Avg Shares
5
7
7
7
7
7
8
9
9
9
9
9
9
9
Basic EPS, GAAP
0.31
0.31
0.51
0.77
0.73
0.75
1.95
2.52
3.24
4.39
5.34
4.78
4.67
5.91
Basic EPS from Cont Ops
0.31
0.31
0.51
0.77
0.73
0.75
1.95
2.52
3.24
4.39
5.34
4.78
4.67
5.91
Diluted Weighted Avg Shares
6
7
8
8
7
7
9
9
9
9
9
9
9
9
Diluted EPS, GAAP
0.29
0.29
0.45
0.7
0.68
0.7
1.9
2.48
3.22
4.33
5.28
4.76
4.64
5.86
Diluted EPS from Cont Ops
0.29
0.29
0.45
0.7
0.68
0.7
1.9
2.48
3.22
4.33
5.28
4.76
4.64
5.86

Balance Sheet (USD)

APIChat
2002 Y
2003 Y
2004 Y
2005 Y
2006 Y
2007 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
Total Current Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cash, Cash Equivalents & STI
8
13
6
18
25
20
762
761
1,185
1,467
716
654
640
302
+ Cash & Cash Equivalents
8
13
6
18
25
20
103
77
246
229
37
43
102
246
+ ST Investments
- -
- -
- -
- -
- -
- -
658
684
939
1,238
679
611
538
57
+ Accounts & Notes Receiv
- -
- -
- -
- -
- -
- -
20
27
31
29
30
32
- -
- -
+ Accounts Receivable, Net
- -
- -
- -
- -
- -
- -
20
27
31
29
30
32
- -
- -
+ Notes Receivable, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Loans Receivable, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Receivable, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inventories
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Raw Materials
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Work In Process
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Finished Goods
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inventory Adjustments
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Inventory
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other ST Assets
-8
-13
-6
-18
-25
-20
-782
-788
-1,216
-1,496
-745
-687
-640
-302
+ Misc ST Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Prepaid Expenses
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Derivative & Hedging Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Assets Held-for-Sale
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Deferred Tax Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Noncurrent Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Property, Plant & Equip, Net
- -
- -
- -
- -
- -
- -
2
9
8
7
6
5
5
5
+ Property, Plant & Equip
- -
- -
- -
- -
- -
- -
10
13
14
14
14
14
16
17
- Accumulated Depreciation
- -
- -
- -
- -
- -
- -
8
4
6
8
8
9
11
12
+ LT Investments & Receivables
137
198
280
281
266
284
746
771
1,082
1,537
1,264
1,180
1,083
1,019
+ LT Investments
137
198
280
281
266
284
746
771
1,082
1,537
1,264
1,180
1,083
1,019
+ LT Receivables
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other LT Assets
-137
-198
-280
-281
-266
-284
-748
-780
-1,090
-1,544
-1,270
-1,185
-1,088
-1,024
+ Total Intangible Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Goodwill
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Intangible Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Deferred Tax Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Derivative & Hedging Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc LT Assets
-137
-198
-280
-281
-266
-284
-748
-780
-1,090
-1,544
-1,270
-1,185
-1,088
-1,024
Total Assets
296
361
458
509
537
608
2,157
2,402
3,454
3,912
3,841
3,903
4,040
4,407
+ Payables & Accruals
- -
- -
- -
- -
- -
- -
19
30
34
36
34
36
- -
- -
+ Accounts Payable
- -
- -
- -
- -
- -
- -
19
30
34
36
34
36
- -
- -
+ Accrued Taxes
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Interest & Dividends Payable
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Payables & Accruals
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Debt
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Borrowings
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Finance Leases
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other ST Liabilities
- -
- -
- -
- -
- -
- -
-19
-30
-34
-36
-34
-36
- -
- -
+ Deferred Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc ST Liabilities
- -
- -
- -
- -
- -
- -
-19
-30
-34
-36
-34
-36
- -
- -
Total Current Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Debt
- -
6
35
13
8
8
- -
- -
- -
- -
155
55
- -
- -
+ LT Borrowings
- -
6
35
13
8
8
- -
- -
- -
- -
155
55
- -
- -
+ LT Finance Leases
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other LT Liabilities
- -
-6
-35
-13
-8
-8
- -
- -
- -
- -
-155
-55
- -
- -
+ Accrued Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Pension Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc LT Liabilities
- -
-6
-35
-13
-8
-8
- -
- -
- -
- -
-155
-55
- -
- -
Total Noncurrent Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Liabilities
272
336
429
476
498
565
1,992
2,195
3,206
3,634
3,586
3,589
3,686
3,995
+ Preferred Equity and Hybrid Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Share Capital & APIC
- -
- -
- -
- -
- -
- -
155
164
166
202
206
208
210
199
+ Common Stock
- -
- -
- -
- -
- -
- -
155
164
166
202
206
208
210
199
+ Additional Paid in Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Treasury Stock
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Retained Earnings
- -
- -
- -
- -
- -
- -
27
47
76
82
130
177
220
265
+ Other Equity
23
25
29
32
39
44
-17
-4
6
-5
-81
-71
-76
-53
Equity Before Minority Interest
23
25
29
32
39
44
165
207
248
279
254
314
355
411
+ Minority/Non Controlling Interest
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Equity
23
25
29
32
39
44
165
207
248
279
254
314
355
411
Total Liabilities & Equity
296
361
458
509
537
608
2,157
2,402
3,454
3,912
3,841
3,903
4,040
4,407
Shares Outstanding
9
9
9
9
9
9
9
9
9
9
9
9
9
9
Number of Employees
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Capital Leases - Total
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Debt
-8
-7
28
-5
-17
-12
-103
-77
-246
-229
118
12
-102
-246
Net Debt to Equity
-35.33
-26.99
98.79
-15.05
-44.19
-28.3
-62.56
-37.2
-99.28
-82.16
46.54
3.77
-28.64
-59.72
Tangible Common Equity Ratio
7.93
6.97
6.27
6.37
7.24
7.17
7.65
8.6
7.17
7.12
6.62
8.05
8.78
9.33
Current Ratio
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash Conversion Cycle
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -

Cash Flow Statement (USD)

APIChat
2002 Y
2003 Y
2004 Y
2005 Y
2006 Y
2007 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
+ Net Income
- -
- -
- -
- -
- -
- -
16
22
29
39
49
44
43
54
+ Depreciation & Amortization
- -
- -
- -
- -
- -
- -
1
4
3
3
3
3
3
4
+ Non-Cash Items
- -
- -
- -
- -
- -
- -
21
20
17
15
17
13
10
16
+ Stock-Based Compensation
- -
- -
- -
- -
- -
- -
2
2
2
3
3
3
3
3
+ Deferred Income Taxes
- -
- -
- -
- -
- -
- -
-1
-2
- -
-2
-2
-1
-1
-1
+ Asset Impairment Charge
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Non-Cash Adj
- -
- -
- -
- -
- -
- -
20
20
16
15
17
12
8
15
+ Chg in Non-Cash Work Cap
- -
- -
- -
- -
- -
- -
1
9
-2
2
-4
-3
1
-3
+ (Inc) Dec in Accts Receiv
- -
- -
- -
- -
- -
- -
1
7
-5
1
-1
-2
- -
-1
+ (Inc) Dec in Inventories
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ (Inc) Dec in Prepaid Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inc (Dec) in Accts Payable
- -
- -
- -
- -
- -
- -
- -
2
3
1
-3
-1
1
-2
+ Inc (Dec) in Other
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Operating Activities
- -
- -
- -
- -
- -
- -
39
54
47
60
65
58
58
71
+ Change in Fixed & Intang
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp in Fixed & Intang
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp of Fixed Prod Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp of Intangible Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Acq of Fixed & Intang
- -
- -
- -
- -
- -
- -
-1
-9
-1
- -
-1
-1
-2
-1
+ Acq of Fixed Prod Assets
- -
- -
- -
- -
- -
- -
-1
-9
-1
- -
-1
-1
-2
-1
+ Acq of Intangible Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cash (Repurchase) of Equity
- -
- -
- -
- -
- -
- -
2
- -
- -
- -
- -
- -
- -
-14
+ Increase in Capital Stock
- -
- -
- -
- -
- -
- -
2
- -
- -
- -
- -
- -
- -
- -
+ Decrease in Capital Stock
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
-14
+ Net Change in LT Investment
- -
- -
- -
- -
- -
- -
79
-27
-310
-485
153
89
82
83
+ Dec in LT Investment
- -
- -
- -
- -
- -
- -
165
207
200
224
169
91
92
101
+ Inc in LT Investment
- -
- -
- -
- -
- -
- -
-86
-234
-510
-708
-16
-2
-10
-18
+ Net Cash From Acq & Div
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cash from Divestitures
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cash for Acq of Subs
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cash for JVs
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Investing Activities
- -
- -
- -
- -
- -
- -
-330
-237
-574
-18
-365
-140
-171
-295
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Investing Activities
- -
- -
- -
- -
- -
- -
-253
-273
-885
-503
-212
-51
-91
-214
+ Dividends Paid
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
-9
+ Net Cash From Debt
- -
- -
- -
- -
- -
- -
-62
- -
- -
- -
162
-106
-55
- -
+ Cash From Debt
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
162
1,140
- -
- -
+ Repayments of Debt
- -
- -
- -
- -
- -
- -
-62
- -
- -
- -
- -
-1,247
-55
- -
+ Other Financing Activities
- -
- -
- -
- -
- -
- -
336
192
1,008
426
-206
107
147
310
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Financing Activities
- -
- -
- -
- -
- -
- -
275
192
1,008
426
-45
- -
91
287
Effect of Foreign Exchange Rates
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Changes in Cash
- -
- -
- -
- -
- -
- -
61
-27
170
-17
-192
7
58
144
EBITDA
2
3
4
7
7
7
1
4
3
3
3
3
3
4
EBITDA Margin (%)
24.3
25.32
29.2
38.88
35.99
31.33
1.32
4.19
3.33
2.79
2.5
2.43
2.33
2.35
Free Cash Flow
- -
- -
- -
- -
- -
- -
38
45
46
59
65
57
56
70
Net Cash Paid for Acquisitions
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Free Cash Flow to Firm
- -
- -
- -
- -
- -
- -
38
45
46
59
65
57
56
70
Free Cash Flow to Equity
- -
- -
- -
- -
- -
- -
-24
45
46
59
226
-49
1
70
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
4.49
5.19
5.22
6.66
7.1
6.22
6.05
7.61
Price/Free Cash Flow
- -
- -
- -
- -
- -
- -
6.7
5.06
5.96
5.92
5.53
5.71
6.87
8.28
Cash Flow to Net Income
- -
- -
- -
- -
- -
- -
2.39
2.45
1.63
1.53
1.35
1.31
1.34
1.31
Capital Expenditures
- -
- -
- -
- -
- -
- -
-1
-9
-1
- -
-1
-1
-2
-1