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American Business BankAMBZ -0.78%67 Equity-to-Asset is 0.10 as of Jun. 2026, which is 25% above its 10-year median of 0.08. GuruFocus rates AMBZ with a GF Score™ of 67/100 and a GF Value™ of $56.23 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,525 Banks companies, American Business Bank ranks better than 54.75% on this metric.
American Business Bank (OTCPK:AMBZ) 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 Business Bank Equity-to-Asset Related Terms
American Business Bank Equity-to-Asset Historical Data
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The historical data trend for American Business 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.
AMBZ vs AROW, BHB, RRBI: Equity-to-Asset Comparison
For the Banks - Regional subindustry, American Business 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 Business Bank Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, American Business Bank's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where American Business Bank's Equity-to-Asset falls into.
American Business Bank Equity-to-Asset Calculation
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 Business 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 Business Bank (AMBZ) has a Equity-to-Asset of 0.10 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on American Business Bank and its competitors. This is 25% above median its historical median of 0.08. Over the past decade, American Business Bank's Equity-to-Asset has ranged from 0.06 to 0.10. According to the industry distribution chart, American Business Bank ranks #690 out of 1525 companies in the Banks industry, placing it in the top 45.2%.
Is American Business Bank's Equity-to-Asset too high?
American Business Bank's current Equity-to-Asset of 0.10 is 25% above median its 10-year median of 0.08. Over the past 10 years, this metric has ranged from a low of 0.06 to a high of 0.10. The Banks industry median Equity-to-Asset is 0.10. American Business Bank's value of 0.10 is 0% at this industry median. Based on the distribution chart, American Business Bank ranks #690 out of 1525 companies in the Banks industry, which is above the industry midpoint. Overall, American Business Bank has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does American Business Bank's Equity-to-Asset compare to AROW and BHB?
According to the Banks industry distribution chart, American Business Bank ranks #690 out of 1525 companies for Equity-to-Asset. This puts American Business Bank in the upper half of its industry. The industry median Equity-to-Asset is 0.10. American Business Bank's value of 0.10 is 0% at this benchmark. Historically, American Business Bank's own Equity-to-Asset has ranged from 0.06 to 0.10 over the past decade. While the company's 10-year median is 0.08 vs. the industry median of 0.10, American Business 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 Business 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 Business 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 Business Bank's current Equity-to-Asset is 0.10, which is 25% above median its own 10-year median of 0.08. 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 $56.23, compared to a current price of $72.30 — trading 28.6% above its estimated fair value. The current Equity-to-Asset is 0.10, which is 25% above median its 10-year median of 0.08 and 0% at the Banks industry median of 0.10. American Business Bank's overall GF Score™ is 67/100 with 4 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 Business Bank (AMBZ), the current Equity-to-Asset is 0.10 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 $72.30 is trading 28.6% above its estimated GF Value™ of $56.23.
GuruFocus considers American Business Bank to be Modestly Overvalued.
Key valuation signals for AMBZ:
Equity-to-Asset: 0.10 (25% above median its 10-year median of 0.08)
GF Value™: $56.23 vs. price of $72.30 (28.6% above fair value)
Industry Position: 0% at the Banks median (#690 of 1525)
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 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.
67GF Score
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