AMBK (American Bank) Cyclically Adjusted FCF per Share: $1.34 (As of Dec. 2025)


AMBK American Bank Inc AMBK
56 GF Score
Price $21.00
GF Value $22.75
Valuation Fairly Valued
! 3 Warning Signs
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What is American Bank Cyclically Adjusted FCF per Share?

American Bank AMBK 56 Cyclically Adjusted FCF per Share is $1.34 as of Dec. 2025. GuruFocus rates AMBK with a GF Score™ of 56/100 and a GF Value™ of $22.75 (Fairly Valued). The stock has 3 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

American Bank's adjusted free cash flow per share data for the fiscal year that ended in Dec. 2025 was $1.098. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $1.34 for the trailing ten years ended in Dec. 2025.

During the past 12 months, American Bank's average Cyclically Adjusted FCF Growth Rate was 0.80% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 8.80% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of American Bank was 22.70% per year. The lowest was 8.80% per year. And the median was 15.75% per year.

As of today (2026-07-04), American Bank's current stock price is $ 21.00. American Bank's Cyclically Adjusted FCF per Share for the fiscal year that ended in Dec. 2025 was $1.34. American Bank's Cyclically Adjusted Price-to-FCF of today is 15.67.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of American Bank was 24.90. The lowest was 10.83. And the median was 13.99.


American Bank  (OTCPK:AMBK) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

American Bank's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=21.00/1.34
=15.67

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of American Bank was 24.90. The lowest was 10.83. And the median was 13.99.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


American Bank Cyclically Adjusted FCF per Share Related Terms


American Bank Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for American Bank's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

American Bank Cyclically Adjusted FCF per Share Chart

American Bank Annual Data
Trend Dec04 Dec05 Dec06 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.72 1.04 1.16 1.33 1.34

American Bank Semi-Annual Data
Dec00 Dec01 Dec02 Dec03 Dec04 Dec05 Dec06 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.72 1.04 1.16 1.33 1.34

AMBK vs JFBC, BSBK, CWBK: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, American Bank's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


American Bank Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, American Bank's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where American Bank's Cyclically Adjusted Price-to-FCF falls into.


AMBK
56GF Score
American Bank Inc AMBK
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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American Bank Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, American Bank's adjusted Free Cash Flow per Share data for the fiscal year that ended in Dec. 2025 was:

Adj_FreeCashFlowPerShare=Free Cash Flow per Share /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=1.098/324.0540*324.0540
=1.098

Current CPI (Dec. 2025) = 324.0540.

American Bank Annual Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
200412 0.814 190.300 1.386
200512 0.447 196.800 0.736
200612 0.582 201.800 0.935
201912 1.119 256.974 1.411
202012 0.724 260.474 0.901
202112 1.419 278.802 1.649
202212 2.858 296.797 3.120
202312 0.808 306.746 0.854
202412 1.318 315.605 1.353
202512 1.098 324.054 1.098

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of $1.34 mean?
American Bank (AMBK) has a Cyclically Adjusted FCF per Share of $1.34 as of Dec. 2025. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on American Bank and its competitors.
Is American Bank's Cyclically Adjusted FCF per Share too high?
American Bank's current Cyclically Adjusted FCF per Share is $1.34. Overall, American Bank has a GF Score™ of 56/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does American Bank's Cyclically Adjusted FCF per Share compare to JFBC and BSBK?
American Bank's Cyclically Adjusted FCF per Share of $1.34 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on American Bank and its competitors. American Bank's current Cyclically Adjusted FCF per Share is $1.34. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is American Bank stock overvalued right now?
Based on GuruFocus' analysis, American Bank (AMBK) is currently considered Fairly Valued. The stock's GF Value™ is $22.75, compared to a current price of $21.00 — trading 7.7% below its estimated fair value. The current Cyclically Adjusted FCF per Share is $1.34. American Bank's overall GF Score™ is 56/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For American Bank (AMBK), the current Cyclically Adjusted FCF per Share is $1.34 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is American Bank (AMBK) Overvalued in 2026?

Based on GuruFocus' analysis, American Bank stock appears to be undervalued. The current stock price of $21.00 is trading 7.7% below its estimated GF Value™ of $22.75. GuruFocus considers American Bank to be Fairly Valued.

Key valuation signals for AMBK:

  • Cyclically Adjusted FCF per Share: $1.34
  • GF Value™: $22.75 vs. price of $21.00 (7.7% below fair value)
  • GF Score™: 56/100 with 3 warning signs

No single metric tells the full story. See the AMBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


American Bank Business Description

Address 615 Waterfront Drive, Suite 501, Allentown, PA, USA, 18102
American Bank Inc is a United States-based holding company for American Bank. The bank offers deposit and loan products for consumers, businesses, public, institutional, and governmental customers, including interest-bearing checking, money market accounts, and retirement accounts. The company generates revenue from interest and dividend income on loans and investments.
56GF Score

Get the complete analysis for AMBK

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$21.00
Price
$22.75
GF Value