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American BankAMBK 56 EV-to-OCF is 22.04 as of Aug. 01, 2026, which is 30% above its 10-year median of 16.93. GuruFocus rates AMBK with a GF Score™ of 56/100 and a GF Value™ of $22.90 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,500 Banks companies, American Bank ranks worse than 88.33% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, American Bank's Enterprise Value is $162.61 Mil.
American Bank's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $7.38 Mil. Therefore, American Bank's EV-to-OCF for today is 22.04.
The historical rank and industry rank for American Bank's EV-to-OCF or its related term are showing as below:
AMBK'
s EV-to-OCF Range Over the Past 10 Years
Min: 6.52 Med: 16.93 Max: 30.13
Current: 22.04
During the past 13 years, the highest EV-to-OCF of American Bank was 30.13. The lowest was 6.52. And the median was 16.93.
AMBK's EV-to-OCF is ranked worse than 88.33% of 1500
companies
in the Banks industry
Industry Median: 3.975
vs AMBK: 22.04
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
American Bank's PE Ratio (TTM) for today is calculated as:
American Bank's share price for today is $23.17.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. American Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $2.080.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
American Bank EV-to-OCF Related Terms
American Bank EV-to-OCF Historical Data
* Premium members only.
The historical data trend for American Bank's EV-to-OCF 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.
For the Banks - Regional subindustry, American Bank's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, American Bank's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where American Bank's EV-to-OCF falls into.
American Bank's current Enterprise Value is $162.61 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. American Bank's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $7.38 Mil.
* 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 (AMBK) has a EV-to-OCF of 22.04 as of Aug. 01, 2026. This is 30% above median its historical median of 16.93. Over the past decade, American Bank's EV-to-OCF has ranged from 6.52 to 30.13. According to the industry distribution chart, American Bank ranks #1325 out of 1500 companies in the Banks industry, placing it in the top 88.3%.
Is American Bank's EV-to-OCF too high?
American Bank's current EV-to-OCF of 22.04 is 30% above median its 10-year median of 16.93. Over the past 10 years, this metric has ranged from a low of 6.52 to a high of 30.13. The Banks industry median EV-to-OCF is 3.98. American Bank's value of 22.04 is 454.5% above this industry median. Based on the distribution chart, American Bank ranks #1325 out of 1500 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 EV-to-OCF compare to BEOB and SRBK?
According to the Banks industry distribution chart, American Bank ranks #1325 out of 1500 companies for EV-to-OCF. This places American Bank in the lower half of its industry. The industry median EV-to-OCF is 3.98. American Bank's value of 22.04 is 454.5% above this benchmark. Historically, American Bank's own EV-to-OCF has ranged from 6.52 to 30.13 over the past decade. While the company's 10-year median is 16.93 vs. the industry median of 3.98, American Bank has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.98, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. American Bank's current EV-to-OCF of 22.04 is 454.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. American Bank's current EV-to-OCF is 22.04, which is 30% above median its own 10-year median of 16.93. 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 $22.90, compared to a current price of $23.17 — trading 1.2% above its estimated fair value. The current EV-to-OCF is 22.04, which is 30% above median its 10-year median of 16.93 and 454.5% above the Banks industry median of 3.98. American Bank's overall GF Score™ is 56/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For American Bank (AMBK), the current EV-to-OCF is 22.04 as of Aug. 01, 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 Bank (AMBK) Overvalued in 2026?
Based on GuruFocus' analysis, American Bank stock appears to be overvalued.
The current stock price of $23.17 is trading 1.2% above its estimated GF Value™ of $22.90.
GuruFocus considers American Bank to be Fairly Valued.
Key valuation signals for AMBK:
EV-to-OCF: 22.04 (30% above median its 10-year median of 16.93)
GF Value™: $22.90 vs. price of $23.17 (1.2% above fair value)
Industry Position: 454.5% above the Banks median (#1325 of 1500)
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 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
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