American BankAMBK 56 FCF Margin % is 21.61% as of Dec. 2025, which is 39% below its 10-year median of 35.14. GuruFocus rates AMBK with a GF Score™ of 56/100 and a GF Value™ of $22.69 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,505 Banks companies, American Bank ranks worse than 56.48% on this metric.
The historical rank and industry rank for American Bank's FCF Margin % or its related term are showing as below:
AMBK'
s FCF Margin % Range Over the Past 10 Years
Min: 21.61 Med: 35.14 Max: 73.94
Current: 21.61
During the past 13 years, the highest FCF Margin % of American Bank was 73.94%. The lowest was 21.61%. And the median was 35.14%.
AMBK's FCF Margin % is ranked worse than 56.48% of 1505
companies
in the Banks industry
Industry Median: 26.42
vs AMBK: 21.61
American Bank FCF Margin % Related Terms
American Bank FCF Margin % Historical Data
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The historical data trend for American Bank's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, American Bank's FCF Margin % distribution charts can be found below:
* The bar in red indicates where American Bank's FCF Margin % falls into.
* 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 FCF Margin % of 21.61% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on American Bank and its competitors. This is 39% below median its historical median of 35.14. Over the past decade, American Bank's FCF Margin % has ranged from 21.61 to 73.94. According to the industry distribution chart, American Bank ranks #850 out of 1505 companies in the Banks industry, placing it in the top 56.5%.
Is American Bank's FCF Margin % too high?
American Bank's current FCF Margin % of 21.61% is 39% below median its 10-year median of 35.14. Over the past 10 years, this metric has ranged from a low of 21.61 to a high of 73.94. The Banks industry median FCF Margin % is 26.42. American Bank's value of 21.61% is 18.2% below this industry median. Based on the distribution chart, American Bank ranks #850 out of 1505 companies in the Banks industry, which is below the industry midpoint. Overall, American Bank has a GF Score™ of 56/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does American Bank's FCF Margin % compare to RVSB and JFBC?
According to the Banks industry distribution chart, American Bank ranks #850 out of 1505 companies for FCF Margin %. This places American Bank in the lower half of its industry. The industry median FCF Margin % is 26.42. American Bank's value of 21.61% is 18.2% below this benchmark. Historically, American Bank's own FCF Margin % has ranged from 21.61 to 73.94 over the past decade. While the company's 10-year median is 35.14 vs. the industry median of 26.42, American Bank has consistently been below 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. American Bank's current FCF Margin % of 21.61% is 18.2% below 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on American Bank and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. American Bank's current FCF Margin % is 21.61%, which is 39% below median its own 10-year median of 35.14. 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 Modestly Undervalued. The stock's GF Value™ is $22.69, compared to a current price of $18.38 — trading 19% below its estimated fair value. The current FCF Margin % is 21.61%, which is 39% below median its 10-year median of 35.14 and 18.2% below the Banks industry median of 26.42. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For American Bank (AMBK), the current FCF Margin % is 21.61% 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 $18.38 is trading 19% below its estimated GF Value™ of $22.69.
GuruFocus considers American Bank to be Modestly Undervalued.
Key valuation signals for AMBK:
FCF Margin %: 21.61% (39% below median its 10-year median of 35.14)
GF Value™: $22.69 vs. price of $18.38 (19% below fair value)
Industry Position: 18.2% below the Banks median (#850 of 1505)
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
Get the complete analysis for AMBK
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