American Business Bank Financial Ratios — AMBZ Stock

Profitability (USD)

	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
Return on Common Equity (%)	- -	- -	- -	- -	- -	- -	18	11.24	12.72	14.9	15.68	12.21	10.62	12.12
Return on Assets (%)	- -	0.62	0.83	1.09	0.96	0.91	1.19	0.97	0.98	1.06	1.25	1.14	1.09	1.28
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	7.53	7.24	9.7	10.88	10.62	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100
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
Operating Margin (%)	24.3	25.32	29.2	38.88	35.99	31.33	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	32.73	41.74	72.39	-23.76	-1.5	-15.04	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	24.3	25.32	29.2	38.88	35.99	31.33	30.5	35.62	40.83	46.5	50.48	46.43	45.59	48.1
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
Net Income to Common 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
Effective Tax Rate (%)	32.29	28.85	21.58	29.26	30.81	27.77	24.24	26.22	26.52	25.85	27	27.59	28.09	27.82
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	16.6
Sustainable Growth Rate (%)	- -	- -	- -	- -	- -	- -	18	11.24	12.72	14.9	15.68	12.21	10.62	10.11

Credit (USD)

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	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 Debt	- -	6	35	13	8	8	- -	- -	- -	- -	155	55	- -	- -
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	6	35	13	8	8	- -	- -	- -	- -	155	55	- -	- -
Total Debt/EBITDA	- -	2.05	7.92	1.8	1.05	1.11	- -	- -	- -	- -	46.98	17.34	- -	- -
Net Debt/EBITDA	-3.4	-2.36	6.52	-0.65	-2.37	-1.71	-110.19	-21.84	-76.95	-72.24	35.89	3.73	-33.08	-67.02
Total Debt/EBIT	- -	2.05	7.92	1.8	1.05	1.11	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	-3.4	-2.36	6.52	-0.65	-2.37	-1.71	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	- -	- -	- -	- -	- -	8.44	8.77	7	7.25	8.74	9.86	10.65	10.53
Long-Term Debt/Equity (%)	- -	23.5	120.13	41.46	19.5	18.31	- -	- -	- -	- -	60.92	17.51	- -	- -
Long-Term Debt/Capital (%)	- -	100	100	100	100	100	- -	- -	- -	- -	31.59	12.51	- -	- -
Long-Term Debt/Total Assets (%)	- -	1.64	7.54	2.64	1.41	1.31	- -	- -	- -	- -	4.04	1.41	- -	- -
Total Debt/Equity (%)	- -	23.5	120.13	41.46	19.5	18.31	- -	- -	- -	- -	60.92	17.51	- -	- -
Total Debt/Capital (%)	- -	100	100	100	100	100	- -	- -	- -	- -	31.59	12.51	- -	- -
Total Debt/Total Assets (%)	- -	1.64	7.54	2.64	1.41	1.31	- -	- -	- -	- -	4.04	1.41	- -	- -
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
Net Debt/Capital (%)	100	100	100	100	100	100	-130.9	-57.46	5,813	-417.27	26.08	2.99	-30.91	-112.38
EBITDA	2	3	4	7	7	7	1	4	3	3	3	3	3	4
EBITDA-CapEx	2	3	4	7	7	7	-1	-5	3	3	3	3	1	2
Operating Income (Loss)	2	3	4	7	7	7	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	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
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	- -	- -	- -	- -	- -	8.44	8.77	7	7.25	8.74	9.86	10.65	10.53
Long-Term Debt/Equity (%)	- -	23.5	120.13	41.46	19.5	18.31	- -	- -	- -	- -	60.92	17.51	- -	- -
Long-Term Debt/Capital (%)	- -	100	100	100	100	100	- -	- -	- -	- -	31.59	12.51	- -	- -
Long-Term Debt/Total Assets (%)	- -	1.64	7.54	2.64	1.41	1.31	- -	- -	- -	- -	4.04	1.41	- -	- -
Total Debt/Equity (%)	- -	23.5	120.13	41.46	19.5	18.31	- -	- -	- -	- -	60.92	17.51	- -	- -
Total Debt/Capital (%)	- -	100	100	100	100	100	- -	- -	- -	- -	31.59	12.51	- -	- -
Total Debt/Total Assets (%)	- -	1.64	7.54	2.64	1.41	1.31	- -	- -	- -	- -	4.04	1.41	- -	- -
CFO/Total Liabilities	- -	- -	- -	- -	- -	- -	1.97	2.46	1.47	1.65	1.82	1.61	1.57	1.78
CFO/CapEx	- -	- -	- -	- -	- -	- -	26.18	6.27	67.74	120.69	81.91	106	31.52	54.06
Altman's Z-Score	0.06	0.06	0.06	0.09	0.19	0.16	0.13	0.15	0.11	0.12	0.14	0.15	0.18	0.21

Working Capital (USD)

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	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
Accounts Receivable Turnover	- -	- -	- -	- -	- -	- -	7.08	3.57	3.32	3.81	4.5	4.22	8.15	- -
Days Sales Outstanding	- -	- -	- -	- -	- -	- -	51.52	102.32	109.84	95.79	81.06	86.49	44.8	- -
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)

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	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
Market Capitalization	- -	- -	- -	- -	93	79	265	312	282	352	362	331	408	594
- Cash & Cash Equivalents	8	13	6	18	25	20	103	77	246	229	37	43	102	246
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	6	35	13	8	8	- -	- -	- -	- -	155	55	- -	- -
Enterprise Value	-8	-7	28	-5	76	66	-496	-449	-903	-1,115	-199	-269	-232	292
Total Capital	- -	6	35	13	8	8	182	211	242	284	491	440	430	464
Total Debt/Capital (%)	- -	100	100	100	100	100	- -	- -	- -	- -	31.59	12.51	- -	- -
Total Debt / EV	- -	-0.87	1.22	-2.75	0.1	0.12	- -	- -	- -	- -	-0.78	-0.2	- -	- -
EV/Sales	2.76	5.2	1.9	5.7	3.75	2.88	- -	- -	- -	- -	- -	- -	3.09	1.87
EV/EBITDA	11.38	20.52	6.52	14.66	10.43	9.18	- -	- -	- -	- -	- -	- -	- -	79.6
EV/EBIT	11.38	20.52	6.52	14.66	10.43	9.18	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.1
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.03
Diluted Market Cap	- -	- -	- -	- -	100	85	273	317	284	357	366	332	410	600
Diluted Enterprise Value	-8	-7	28	-5	83	72	170	240	38	128	484	344	308	354
EV per Share	5.13	8.98	4.22	15.99	10.96	9.59	- -	- -	- -	- -	- -	- -	44	31.81
TTM Sales	10	11	15	19	20	23	71	84	96	114	132	131	132	156
TTM EBITDA	2	3	4	7	7	7	1	4	3	3	3	3	3	4
TTM Operating Income	2	3	4	7	7	7	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	- -	- -	- -	- -	- -	39	54	47	60	65	58	58	71
TTM Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	41	63	48	60	66	58	60	72

Multiples (USD)

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	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
Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	6.7	5.06	5.96	5.92	5.53	5.71	6.87	8.28
EV/EBIT	11.38	20.52	6.52	14.66	10.43	9.18	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-8	-7	28	-5	76	66	-496	-449	-903	-1,115	-199	-269	-232	292
Low Price	- -	- -	- -	- -	12.73	10.35	31.55	30.15	20.75	31.5	37.21	25.14	29.75	40.03
EV/Sales	2.76	5.2	1.9	5.7	3.75	2.88	- -	- -	- -	- -	- -	- -	3.09	1.87
EV/EBITDA	11.38	20.52	6.52	14.66	10.43	9.18	- -	- -	- -	- -	- -	- -	- -	79.6
Price/Earnings	- -	- -	- -	- -	18.5	15.08	16.18	14.15	9.81	8.99	7.45	7.52	9.42	10.96
Price/Earnings Average	- -	- -	- -	- -	20.23	17.36	20.39	13.83	8.36	8.77	7.58	6.81	7.84	8.33
Price/Earnings High	- -	- -	- -	- -	23.12	21.58	22.56	15.06	11.14	9.91	7.96	8.53	9.58	10.97
Price/Earnings Low	- -	- -	- -	- -	17.51	13.72	16.18	11.97	6.39	7.17	6.97	5.26	6.37	6.77
Price/Book Value	- -	- -	- -	- -	- -	- -	1.46	1.48	1.17	1.24	1.08	0.86	0.95	1.28
Price/Book Value Average	- -	- -	- -	- -	- -	- -	1.84	1.45	0.99	1.21	1.1	0.78	0.79	0.97
Price/Book Value High	- -	- -	- -	- -	- -	- -	2.03	1.58	1.33	1.37	1.15	0.97	0.96	1.28
Price/Book Value Low	- -	- -	- -	- -	- -	- -	1.46	1.25	0.76	0.99	1.01	0.6	0.64	0.79
Price/Tangible Book Value	- -	- -	- -	- -	2.39	1.8	1.61	1.51	1.14	1.26	1.42	1.05	1.15	1.44
Price/Tangible Book Value Average	- -	- -	- -	- -	2.61	2.07	2.03	1.48	0.97	1.23	1.45	0.95	0.96	1.1
Price/Tangible Book Value High	- -	- -	- -	- -	2.98	2.58	2.24	1.61	1.29	1.39	1.52	1.19	1.17	1.45
Price/Tangible Book Value Low	- -	- -	- -	- -	2.26	1.64	1.61	1.28	0.74	1.01	1.33	0.74	0.78	0.89
Price/Sales	- -	- -	- -	- -	4.61	3.41	3.74	3.72	2.94	3.1	2.75	2.53	3.09	3.81
Price/Sales Average	- -	- -	- -	- -	5.04	3.93	4.71	3.63	2.51	3.02	2.79	2.29	2.57	2.89
Price/Sales High	- -	- -	- -	- -	5.76	4.88	5.21	3.96	3.34	3.42	2.93	2.87	3.14	3.81
Price/Sales Low	- -	- -	- -	- -	4.36	3.1	3.74	3.14	1.92	2.47	2.57	1.77	2.09	2.35
Price/Cash Flow	- -	- -	- -	- -	- -	- -	6.76	5.78	6	5.88	5.54	5.73	7.04	8.36
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	8.53	5.65	5.12	5.73	5.63	5.19	5.87	6.35
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	9.43	6.15	6.82	6.48	5.92	6.5	7.16	8.36
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	6.76	4.89	3.91	4.69	5.18	4	4.76	5.16
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	8.45	4.95	5.08	5.77	5.63	5.16	5.72	6.29
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	9.35	5.39	6.77	6.52	5.91	6.47	6.98	8.29
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	6.7	4.28	3.88	4.72	5.17	3.99	4.64	5.12
EV/Sales Average	2.52	4.51	1.9	5.89	4.18	3.39	3.26	2.72	- -	1.01	3.69	2.38	1.8	1.32
EV/Sales High	2.89	6.41	1.9	6.97	4.9	4.35	3.76	3.04	0.78	1.4	3.83	2.96	2.37	2.24
EV/Sales Low	1.45	2.27	1.9	3.99	3.51	2.57	2.28	2.23	- -	0.46	3.47	1.86	1.32	0.78
EV/EBITDA Average	-3.4	-2.36	6.52	-0.65	11.63	10.83	246.49	64.92	-1.71	36.17	147.43	98.08	77.43	56.23
EV/EBITDA High	-3.4	-2.36	6.52	-0.65	13.63	13.87	284.47	72.65	23.3	50.22	153.04	121.95	101.87	95.26
EV/EBITDA Low	-3.4	-2.36	6.52	-0.65	9.74	8.2	172.8	53.23	-19.41	16.44	138.46	76.58	56.63	33.15
EV/EBIT Average	-3.4	-2.36	6.52	-0.65	11.63	10.83	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	-3.4	-2.36	6.52	-0.65	13.63	13.87	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	-3.4	-2.36	6.52	-0.65	9.74	8.2	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	13.45	11.38	31.55	35.65	31.83	39.49	39.8	35.98	44	64.8
High Price	- -	- -	- -	- -	16.81	16.28	44	37.95	36.15	43.5	42.5	40.8	44.75	64.85
Enterprise Value Average	-8	-7	28	-5	84	78	231	228	-5	115	486	311	238	206
Enterprise Value High	-8	-7	28	-5	99	100	267	256	74	159	505	387	313	349
Enterprise Value Low	-8	-7	28	-5	71	59	162	187	-62	52	457	243	174	121

	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
Shares Outstanding	9	9	9	9	9	9	9	9	9	9	9	9	9	9
Diluted Weighted Avg Shares	6	7	8	8	7	7	9	9	9	9	9	9	9	9
Basic Weighted Avg Shares	5	7	7	7	7	7	8	9	9	9	9	9	9	9
Revenue per Share	1.85	1.73	2.22	2.8	2.92	3.33	8.44	9.59	10.82	12.74	14.49	14.23	14.25	17.03
EBITDA per Share	0.45	0.44	0.65	1.09	1.05	1.04	0.11	0.4	0.36	0.36	0.36	0.35	0.33	0.4
Operating Income per Share	0.45	0.44	0.65	1.09	1.05	1.04	- -	- -	- -	- -	- -	- -	- -	- -
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 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
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.98
Cash Flow per Share	- -	- -	- -	- -	- -	- -	4.66	6.17	5.3	6.72	7.18	6.28	6.25	7.76
Free Cash Flow per Basic Share	- -	- -	- -	- -	- -	- -	4.49	5.19	5.22	6.66	7.1	6.22	6.05	7.61
Cash & Equivalents per Share	1.53	1.93	0.91	2.67	3.59	2.94	90.6	86.88	133.67	164.52	78.71	71.19	69.07	32.99
Book Value per Share	- -	- -	- -	- -	- -	- -	21.67	24.04	27.27	31.81	36.9	41.86	46.45	50.61
Tangible Book Value per Share	4.34	3.82	4.28	4.72	5.64	6.32	19.64	23.58	27.95	31.23	27.98	34.17	38.29	44.85

American Business Bank

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)