AMBZ (American Business Bank) E10: $4.15 (As of Jun. 2026)

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AMBZ American Business Bank AMBZ
64 GF Score
Price $72.90
GF Value $55.95
Valuation Modestly Overvalued
! 4 Warning Signs
View Full Analysis

What is American Business Bank E10?

American Business Bank AMBZ 64 E10 is $4.15 as of Jun. 2026. GuruFocus rates AMBZ with a GF Score™ of 64/100 and a GF Value™ of $55.95 (Modestly Overvalued). The stock has 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

American Business Bank's adjusted earnings per share data for the three months ended in Jun. 2026 was $1.770. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $4.15 for the trailing ten years ended in Jun. 2026.

During the past 12 months, American Business Bank's average E10 Growth Rate was 19.30% per year. During the past 3 years, the average E10 Growth Rate was 19.70% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of American Business Bank was 19.70% per year. The lowest was 19.70% per year. And the median was 19.70% per year.

As of today (2026-07-31), American Business Bank's current stock price is $72.90. American Business Bank's E10 for the quarter that ended in Jun. 2026 was $4.15. American Business Bank's Shiller PE Ratio of today is 17.57.

During the past 13 years, the highest Shiller PE Ratio of American Business Bank was 19.45. The lowest was 10.19. And the median was 13.84.


American Business Bank  (OTCPK:AMBZ) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

American Business Bank's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=72.90/4.15
=17.57

* 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 Shiller P/E Ratio of American Business Bank was 19.45. The lowest was 10.19. And the median was 13.84.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


American Business Bank E10 Related Terms


American Business Bank E10 Historical Data

* Premium members only.

The historical data trend for American Business Bank's E10 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 Business Bank E10 Chart

American Business Bank Annual Data
Trend Dec06 Dec07 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 2.20 2.72 3.19 3.77

American Business Bank Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
E10 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 3.48 3.63 3.77 3.97 4.15

AMBZ vs AROW, BHB, RRBI: E10 Comparison

For the Banks - Regional subindustry, American Business Bank's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Business Bank Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, American Business Bank's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where American Business Bank's Shiller PE Ratio falls into.


AMBZ
64GF Score
American Business Bank AMBZ
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

American Business Bank E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 Business Bank's adjusted earnings per share data for the three months ended in Jun. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=1.77/333.9520*333.9520
=1.770

Current CPI (Jun. 2026) = 333.9520.

American Business Bank Quarterly Data

per share eps CPI Adj_EPS
200609 0.179 202.900 0.295
200612 -0.079 201.800 -0.131
200703 0.146 205.352 0.237
200706 0.193 208.352 0.309
200709 0.193 208.490 0.309
200712 0.188 210.036 0.299
200803 0.151 213.528 0.236
200806 0.174 218.815 0.266
200809 0.193 218.783 0.295
201812 0.000 251.233 0.000
201903 0.609 254.202 0.800
201906 0.591 256.143 0.771
201909 0.609 256.759 0.792
201912 0.673 256.974 0.875
202003 0.545 258.115 0.705
202006 0.760 257.797 0.985
202009 0.880 260.280 1.129
202012 1.036 260.474 1.328
202103 0.990 264.877 1.248
202106 1.000 271.696 1.229
202109 1.290 274.310 1.570
202112 1.060 278.802 1.270
202203 1.080 287.504 1.254
202206 1.240 296.311 1.398
202209 1.440 296.808 1.620
202212 1.510 296.797 1.699
202303 1.420 301.836 1.571
202306 1.010 305.109 1.105
202309 1.100 307.789 1.194
202312 1.230 306.746 1.339
202403 1.130 312.332 1.208
202406 1.020 314.175 1.084
202409 1.160 315.301 1.229
202412 1.330 315.605 1.407
202503 1.270 319.799 1.326
202506 1.420 322.561 1.470
202509 1.560 324.800 1.604
202512 1.610 324.054 1.659
202603 1.730 330.213 1.750
202606 1.770 333.952 1.770

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $4.15 mean?
American Business Bank (AMBZ) has a E10 of $4.15 as of Jun. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on American Business Bank and its competitors.
Is American Business Bank's E10 too high?
American Business Bank's current E10 is $4.15. Overall, American Business Bank has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does American Business Bank's E10 compare to AROW and BHB?
American Business Bank's E10 of $4.15 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on American Business Bank and its competitors. American Business Bank's current E10 is $4.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is American Business Bank stock overvalued right now?
Based on GuruFocus' analysis, American Business Bank (AMBZ) is currently considered Modestly Overvalued. The stock's GF Value™ is $55.95, compared to a current price of $72.90 — trading 30.3% above its estimated fair value. The current E10 is $4.15. American Business Bank's overall GF Score™ is 64/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For American Business Bank (AMBZ), the current E10 is $4.15 as of Jun. 2026. 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 Business Bank (AMBZ) Overvalued in 2026?

Based on GuruFocus' analysis, American Business Bank stock appears to be overvalued. The current stock price of $72.90 is trading 30.3% above its estimated GF Value™ of $55.95. GuruFocus considers American Business Bank to be Modestly Overvalued.

Key valuation signals for AMBZ:

  • E10: $4.15
  • GF Value™: $55.95 vs. price of $72.90 (30.3% above fair value)
  • GF Score™: 64/100 with 4 warning signs

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


American Business Bank Business Description

Address 400 S. Hope Street, Suite 300, Los Angeles, CA, USA, 90071
American Business Bank is a California-chartered bank mainly engaged in the business of serving the banking needs of small and medium-sized companies, non-profits, along with the personal needs of business executives and professionals in Southern California. Its revenues are derived principally from interest on loans and investments and other fees.
64GF Score

Get the complete analysis for AMBZ

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$72.90
Price
$55.95
GF Value