American BankAMBK 56 EV-to-FCF is 20.63 as of Jul. 02, 2026, which is 21% above its 10-year median of 17.06. GuruFocus rates AMBK with a GF Score™ of 56/100 and a GF Value™ of $22.73 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,193 Banks companies, American Bank ranks worse than 83.49% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, American Bank's Enterprise Value is $148.71 Mil.
American Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $7.21 Mil. Therefore, American Bank's EV-to-FCF for today is 20.63.
The historical rank and industry rank for American Bank's EV-to-FCF or its related term are showing as below:
AMBK'
s EV-to-FCF Range Over the Past 10 Years
Min: 6.66 Med: 17.06 Max: 35.01
Current: 20.63
During the past 13 years, the highest EV-to-FCF of American Bank was 35.01. The lowest was 6.66. And the median was 17.06.
AMBK's EV-to-FCF is ranked worse than 83.49% of 1193
companies
in the Banks industry
Industry Median: 6.65
vs AMBK: 20.63
EV-to-FCF 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-FCF 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 $21.00.
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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
American Bank EV-to-FCF Related Terms
American Bank EV-to-FCF Historical Data
* Premium members only.
The historical data trend for American Bank's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, American Bank's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where American Bank's EV-to-FCF falls into.
American Bank's current Enterprise Value is $148.71 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. American Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $7.21 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-FCF of 20.63 as of Jul. 02, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on American Bank and its competitors. This is 21% above median its historical median of 17.06. Over the past decade, American Bank's EV-to-FCF has ranged from 6.66 to 35.01. According to the industry distribution chart, American Bank ranks #996 out of 1193 companies in the Banks industry, placing it in the top 83.5%.
Is American Bank's EV-to-FCF too high?
American Bank's current EV-to-FCF of 20.63 is 21% above median its 10-year median of 17.06. Over the past 10 years, this metric has ranged from a low of 6.66 to a high of 35.01. The Banks industry median EV-to-FCF is 6.65. American Bank's value of 20.63 is 210.2% above this industry median. Based on the distribution chart, American Bank ranks #996 out of 1193 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-FCF compare to JFBC and BSBK?
According to the Banks industry distribution chart, American Bank ranks #996 out of 1193 companies for EV-to-FCF. This places American Bank in the lower half of its industry. The industry median EV-to-FCF is 6.65. American Bank's value of 20.63 is 210.2% above this benchmark. Historically, American Bank's own EV-to-FCF has ranged from 6.66 to 35.01 over the past decade. While the company's 10-year median is 17.06 vs. the industry median of 6.65, 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.65, based on 1,193 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. American Bank's current EV-to-FCF of 20.63 is 210.2% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on American Bank and its competitors. For the Banks industry, the median EV-to-FCF is 6.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. American Bank's current EV-to-FCF is 20.63, which is 21% above median its own 10-year median of 17.06. 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 $22.73, compared to a current price of $21.00 — trading 7.6% below its estimated fair value. The current EV-to-FCF is 20.63, which is 21% above median its 10-year median of 17.06 and 210.2% above the Banks industry median of 6.65. American Bank's overall GF Score™ is 56/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For American Bank (AMBK), the current EV-to-FCF is 20.63 as of Jul. 02, 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 undervalued.
The current stock price of $21.00 is trading 7.6% below its estimated GF Value™ of $22.73.
GuruFocus considers American Bank to be Fairly Valued.
Key valuation signals for AMBK:
EV-to-FCF: 20.63 (21% above median its 10-year median of 17.06)
GF Value™: $22.73 vs. price of $21.00 (7.6% below fair value)
Industry Position: 210.2% above the Banks median (#996 of 1193)
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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