American Business Bank Past Earnings Performance

Past criteria checks 2/6

American Business Bank has been growing earnings at an average annual rate of 14.5%, while the Banks industry saw earnings growing at 7% annually. Revenues have been growing at an average rate of 10.6% per year. American Business Bank's return on equity is 11.8%, and it has net margins of 33%.

Key information

14.5%

Earnings growth rate

11.4%

EPS growth rate

Banks Industry Growth	11.2%
Revenue growth rate	10.6%
Return on equity	11.8%
Net Margin	33.0%
Last Earnings Update	30 Sep 2024

Recent past performance updates

No updates

Recent updates

Revenue & Expenses Breakdown

How American Business Bank makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

OTCPK:AMBZ Revenue, expenses and earnings (USD Millions)
Date	Revenue	Earnings	G+A Expenses
30 Sep 24	128	42	63
30 Jun 24	126	42	62
31 Mar 24	125	41	61
31 Dec 23	127	44	61
30 Sep 23	131	47	60
30 Jun 23	133	50	59
31 Mar 23	133	52	57
31 Dec 22	127	49	56
30 Sep 22	120	44	55
30 Jun 22	115	43	53
31 Mar 22	114	40	53
31 Dec 21	112	39	52
30 Sep 21	111	39	52
30 Jun 21	106	35	52
31 Mar 21	100	33	51
31 Dec 20	93	29	49
30 Sep 20	87	25	47
30 Jun 20	83	23	47
31 Mar 20	80	22	46
31 Dec 19	81	22	47
30 Sep 19	78	22	44
30 Jun 19	76	21	43
31 Mar 19	72	19	42
31 Dec 18	67	16	41
30 Sep 18	62	8	35
30 Jun 18	58	7	30
31 Mar 18	56	7	28
31 Dec 17	56	8	27
30 Sep 17	55	14	24
30 Jun 17	53	13	23
31 Mar 17	53	13	22
31 Dec 16	54	13	22
30 Sep 16	52	13	22
30 Jun 16	52	13	21
31 Mar 16	49	12	21
31 Dec 15	47	12	20
30 Sep 15	46	12	19
30 Jun 15	45	12	19
31 Mar 15	45	12	18
31 Dec 14	43	11	18
30 Sep 14	43	11	18
30 Jun 14	43	12	18
31 Mar 14	44	12	18
31 Dec 13	45	13	17

Quality Earnings: AMBZ has high quality earnings.

Growing Profit Margin: AMBZ's current net profit margins (33%) are lower than last year (35.6%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: AMBZ's earnings have grown by 14.5% per year over the past 5 years.

Accelerating Growth: AMBZ's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: AMBZ had negative earnings growth (-9.4%) over the past year, making it difficult to compare to the Banks industry average (-11.8%).

Return on Equity

High ROE: AMBZ's Return on Equity (11.8%) is considered low.

Return on Assets

Return on Capital Employed

Discover strong past performing companies

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/26 04:07
End of Day Share Price	2024/12/26 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

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Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

American Business Bank is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution