OTCPK:AMBK

Stock Analysis Report

Executive Summary

American Bank Incorporated operates as the bank holding company for American Bank that provides various banking products and services to consumer, business, institutional, and governmental customers.

Snowflake

Fundamentals

Unattractive dividend payer with weak fundamentals.


Similar Companies

Share Price & News

How has American Bank's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-3.4%

AMBK

2.7%

US Banks

0.4%

US Market


1 Year Return

0.7%

AMBK

2.7%

US Banks

6.9%

US Market

Return vs Industry: AMBK underperformed the US Banks industry which returned 2.7% over the past year.

Return vs Market: AMBK underperformed the US Market which returned 6.9% over the past year.


Shareholder returns

AMBKIndustryMarket
7 Day-3.4%2.7%0.4%
30 Day-1.8%0.7%-1.1%
90 Day-1.0%3.0%-0.5%
1 Year4.6%0.7%5.7%2.7%9.3%6.9%
3 Year6.7%-3.8%52.1%41.6%45.8%36.4%
5 Year64.3%40.6%69.2%50.7%62.9%45.1%

Price Volatility Vs. Market

How volatile is American Bank's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is American Bank undervalued compared to its fair value and its price relative to the market?


Share Price vs. Fair Value

Undervalued: AMBK ($11.88) is trading above our estimate of fair value ($4.81)

Significantly Undervalued: AMBK is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: Insufficient data to calculate AMBK's PE Ratio to determine if it is good value compared to the Banks industry average.

PE vs Market: Insufficient data to calculate AMBK's PE Ratio to determine if it is good value compared to the US market.


Price to Earnings Growth Ratio

Low PEG Ratio: Insufficient data to calculate AMBK's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: Insufficient data to calculate AMBK's PB Ratio to determine if it is good value.


Next Steps

Future Growth

How is American Bank forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

0.8%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as American Bank has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

  • Take a look at our analysis of AMBK’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access American Bank's filings and announcements here.
  • Explore growth companies in the Banks industry.

Past Performance

How has American Bank performed over the past 5 years?

15.5%

Historical Banks annual earnings growth


In this section we usually display a company’s past earnings and revenues to help investors visualise the trend through time. We also gauge the company’s performance by benchmarking its returns and growth to its industry peers and the wider market. However, American Bank has not provided sufficient past data to assess its track record.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have historical data.


Next Steps

  • When a company lacks a financial track record, its management’s track record becomes important. Corporate governance also plays an important role in a young business as board members are seen as highly-experienced leaders to help steer the company into the future. Take a look at American Bank's' management and board experience and expertise to assess their ability to deliver on their strategic promises.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access American Bank's filings and announcements here.
  • Explore strong past performing companies in the Banks industry.

Financial Health

How is American Bank's financial position? (This company is analysed differently as a bank or financial institution)


In this section we usually analyse American Bank's finance health to determine how well-positioned it is against times of financial distress, in particular, its ability to manage its cash and debt levels. American Bank has not provided adequate balance sheet data, its financial health cannot be properly assessed as it.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have financial information.


Next Steps

  • Take a look at our analysis of AMBK’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • Investors tend to look at the financial health of a company this size in order to assess the sustainability of its current operations. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website.
  • Financial health is measured at one point in time, so the latest financial report is the best representation of the company’s current financial status. Check when American Bank's financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

What is American Bank's current dividend yield, its reliability and sustainability?

3.03%

Current Dividend Yield


Dividend Yield vs Market

company3.0%marketbottom25%1.4%markettop25%3.7%industryaverage3.0%forecastin3Yearsn/a

Current dividend yield vs market & industry


Stability and Growth of Payments

Notable Dividend: AMBK's dividend (3.03%) is higher than the bottom 25% of dividend payers in the US market (1.45%).

High Dividend: AMBK's dividend (3.03%) is low compared to the top 25% of dividend payers in the US market (3.73%).

Stable Dividend: AMBK's dividend payments have been volatile in the past 10 years.

Growing Dividend: AMBK's dividend payments have increased over the past 10 years.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

What is the CEO of American Bank's salary, the management and board of directors tenure and is there insider trading?

8.1yrs

Average management tenure


CEO

Mark Jaindl (59yo)

18.8yrs

Tenure

US$291,631

Compensation

Mr. Mark W. Jaindl has been the President and Chief Executive Officer of American Bank (the “Bank”) since 1997 and of American Bank Incorporated (the “Company”) since its formation in 2001. He has been Cha ...


Management Age and Tenure

8.1yrs

Average Tenure

56yo

Average Age

Experienced Management: AMBK's management team is seasoned and experienced (8.1 years average tenure).


Board Age and Tenure

14.4yrs

Average Tenure

61yo

Average Age

Experienced Board: AMBK's board of directors are seasoned and experienced ( 14.4 years average tenure).


Insider Trading

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Management Team

  • Mark Jaindl (59yo)

    Chairman

    • Tenure: 18.8yrs
    • Compensation: US$291.63k
  • Chris Persichetti (56yo)

    Executive VP & Chief Lending Officer of American Bank

    • Tenure: 20.8yrs
    • Compensation: US$156.78k
  • Mary Garza

    Marketing Director

    • Tenure: 0yrs
  • Mike Bocich

    Vice President of American Bank

    • Tenure: 0yrs
  • Russell Gaydos

    President

    • Tenure: 8.1yrs
  • Bob Turner (52yo)

    Senior VP & Chief Information Officer of American Bank

    • Tenure: 0yrs
    • Compensation: US$132.25k
  • Toney Horst

    Senior VP

    • Tenure: 4.3yrs
  • Kim Laurito

    Controller

    • Tenure: 0yrs
  • Brian Farrell

    Senior VP and Chief Credit & Risk Officer of American Bank

    • Tenure: 0yrs
  • Karina Behler

    Secretary

    • Tenure: 1.5yrs

Board Members

  • Jack Galuchie (66yo)

    Director

    • Tenure: 14.4yrs
    • Compensation: US$20.25k
  • John Eureyecko (63yo)

    Director and Director of American Bank

    • Tenure: 14.5yrs
    • Compensation: US$20.25k
  • Mark Jaindl (59yo)

    Chairman

    • Tenure: 18.8yrs
    • Compensation: US$291.63k
  • Phil Schwartz (73yo)

    Director

    • Tenure: 18.8yrs
    • Compensation: US$20.25k
  • Donald Whiting (59yo)

    Director

    • Tenure: 14yrs
    • Compensation: US$20.25k
  • Michael Molewski (56yo)

    Director

    • Tenure: 14yrs
    • Compensation: US$20.25k
  • Zachary Jaindl

    Director

    • Tenure: 2.8yrs

Company Information

American Bank Incorporated's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: American Bank Incorporated
  • Ticker: AMBK
  • Exchange: OTCPK
  • Founded: 1997
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$67.336m
  • Shares outstanding: 5.67m
  • Website: https://www.ambk.com

Location

  • American Bank Incorporated
  • 4029 West Tilghman Street
  • Allentown
  • Pennsylvania
  • 18104
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
AMBKOTCPK (Pink Sheets LLC)YesCommon StockUSUSDJul 2000

Biography

American Bank Incorporated operates as the bank holding company for American Bank that provides various banking products and services to consumer, business, institutional, and governmental customers. It ac ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/19 23:31
End of Day Share Price2019/10/15 00:00
Earnings2017/09/30
Annual Earnings2016/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.