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American BankAMBK 56 Equity-to-Asset is 0.10 as of Dec. 2025, which is at its 10-year median of 0.10. GuruFocus rates AMBK with a GF Score™ of 56/100 and a GF Value™ of $22.93 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,525 Banks companies, American Bank ranks better than 54.82% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. American Bank's Total Stockholders Equity for the quarter that ended in Dec. 2025 was $106.94 Mil. American Bank's Total Assets for the quarter that ended in Dec. 2025 was $1,077.61 Mil.
Therefore, American Bank's Equity to Asset Ratio for the quarter that ended in Dec. 2025 was 0.10.
The historical rank and industry rank for American Bank's Equity-to-Asset or its related term are showing as below:
AMBK'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.09 Med: 0.1 Max: 0.1
Current: 0.1
During the past 13 years, the highest Equity to Asset Ratio of American Bank was 0.10. The lowest was 0.09. And the median was 0.10.
AMBK's Equity-to-Asset is ranked better than 54.82% of 1525
companies
in the Banks industry
Industry Median: 0.1
vs AMBK: 0.10
American Bank (OTCPK:AMBK) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
American Bank Equity-to-Asset Related Terms
American Bank Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for American Bank's Equity-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.
AMBK vs BEOB, SRBK, CBBI: Equity-to-Asset Comparison
For the Banks - Regional subindustry, American Bank's Equity-to-Asset, along with its competitors' market caps and Equity-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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, American Bank's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where American Bank's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
American Bank's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.10 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on American Bank and its competitors. This is near median its historical median of 0.10. Over the past decade, American Bank's Equity-to-Asset has ranged from 0.09 to 0.10. According to the industry distribution chart, American Bank ranks #689 out of 1525 companies in the Banks industry, placing it in the top 45.2%.
Is American Bank's Equity-to-Asset too high?
American Bank's current Equity-to-Asset of 0.10 is near median its 10-year median of 0.10. Over the past 10 years, this metric has ranged from a low of 0.09 to a high of 0.10. The Banks industry median Equity-to-Asset is 0.10. American Bank's value of 0.10 is 0% at this industry median. Based on the distribution chart, American Bank ranks #689 out of 1525 companies in the Banks industry, which is above the industry midpoint. 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 Equity-to-Asset compare to BEOB and SRBK?
According to the Banks industry distribution chart, American Bank ranks #689 out of 1525 companies for Equity-to-Asset. This puts American Bank in the upper half of its industry. The industry median Equity-to-Asset is 0.10. American Bank's value of 0.10 is 0% at this benchmark. Historically, American Bank's own Equity-to-Asset has ranged from 0.09 to 0.10 over the past decade. While the company's 10-year median is 0.10 vs. the industry median of 0.10, American Bank has consistently been at 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. American Bank's current Equity-to-Asset of 0.10 is 0% at 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on American Bank and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. American Bank's current Equity-to-Asset is 0.10, which is near median its own 10-year median of 0.10. 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 $22.93, compared to a current price of $22.25 — trading 3% below its estimated fair value. The current Equity-to-Asset is 0.10, which is near median its 10-year median of 0.10 and 0% at the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For American Bank (AMBK), the current Equity-to-Asset is 0.10 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% below its estimated GF Value™ of $22.93.
GuruFocus considers American Bank to be Fairly Valued.
Key valuation signals for AMBK:
Equity-to-Asset: 0.10 (near median its 10-year median of 0.10)
GF Value™: $22.93 vs. price of $22.25 (3% below fair value)
Industry Position: 0% at the Banks median (#689 of 1525)
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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