AMBK (American Bank) Debt-to-Asset : 0.06 (As of Dec. 2025)

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AMBK American Bank Inc AMBK
56 GF Score
Price $22.25
GF Value $23.02
Valuation Fairly Valued
! 5 Warning Signs
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What is American Bank Debt-to-Asset?

American Bank AMBK 56 Debt-to-Asset is 0.06 as of Dec. 2025. GuruFocus rates AMBK with a GF Score™ of 56/100 and a GF Value™ of $23.02 (Fairly Valued). The stock has 5 warning signs investors should review.

American Bank's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was $0.00 Mil. American Bank's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was $60.32 Mil. American Bank's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Dec. 2025 was $1,077.61 Mil. American Bank's debt to asset for the quarter that ended in Dec. 2025 was 0.06.

American Bank  (OTCPK:AMBK) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

American Bank Debt-to-Asset Related Terms

American Bank Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for American Bank's Debt-to-Asset 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 Debt-to-Asset Chart

American Bank Annual Data
Trend Dec04 Dec05 Dec06 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.10 0.13 0.12 0.08 0.06

American Bank Semi-Annual Data
Jun02 Dec02 Jun03 Dec03 Jun04 Dec04 Jun05 Dec05 Jun06 Dec06 Dec19 Jun20 Dec20 Jun21 Dec21 Dec22 Dec23 Dec24 Dec25 Jun26
Debt-to-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.13 0.12 0.08 0.06 0.00

AMBK vs BEOB, SRBK, CBBI: Debt-to-Asset Comparison

For the Banks - Regional subindustry, American Bank's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset 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 Debt-to-Asset vs Banks Industry

For the Banks industry and Financial Services sector, American Bank's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where American Bank's Debt-to-Asset falls into.


AMBK
56GF Score
American Bank Inc AMBK
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

American Bank Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

American Bank's Debt-to-Asset for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 60.324) / 1077.605
=0.06

American Bank's Debt-to-Asset for the quarter that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 60.324) / 1077.605
=0.06

* 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.

Frequently Asked Questions Learn more about Debt-to-Asset →
What does a Debt-to-Asset of 0.06 mean?
American Bank (AMBK) has a Debt-to-Asset of 0.06 as of Dec. 2025. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on American Bank and its competitors.
Is American Bank's Debt-to-Asset too high?
American Bank's current Debt-to-Asset is 0.06. 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 Debt-to-Asset compare to BEOB and SRBK?
American Bank's Debt-to-Asset of 0.06 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 Debt-to-Asset for a Banks company?
A good Debt-to-Asset depends on the Banks industry context. However, Debt-to-Asset 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 Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on American Bank and its competitors. American Bank's current Debt-to-Asset is 0.06. 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 $23.02, compared to a current price of $22.25 — trading 3.3% below its estimated fair value. The current Debt-to-Asset is 0.06. American Bank's overall GF Score™ is 56/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For American Bank (AMBK), the current Debt-to-Asset is 0.06 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 $22.25 is trading 3.3% below its estimated GF Value™ of $23.02. GuruFocus considers American Bank to be Fairly Valued.

Key valuation signals for AMBK:

  • Debt-to-Asset: 0.06
  • GF Value™: $23.02 vs. price of $22.25 (3.3% below fair value)
  • GF Score™: 56/100 with 5 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

Debt-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$22.25
Price
$23.02
GF Value