AMBK (American Bank) LT-Debt-to-Total-Asset: 0.06 (As of Dec. 2025)


AMBK American Bank Inc AMBK
56 GF Score
Price $21.00
GF Value $22.73
Valuation Fairly Valued
! 3 Warning Signs
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What is American Bank LT-Debt-to-Total-Asset?

American Bank AMBK 56 LT-Debt-to-Total-Asset is 0.06 as of Dec. 2025. 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.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. American Bank's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.06.

American Bank's long-term debt to total assets ratio declined from Dec. 2023 (0.12) to Dec. 2025 (0.06). It may suggest that American Bank is progressively becoming less dependent on debt to grow their business.

American Bank  (OTCPK:AMBK) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

American Bank LT-Debt-to-Total-Asset Related Terms

American Bank LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for American Bank's LT-Debt-to-Total-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.

American Bank LT-Debt-to-Total-Asset Chart

American Bank Annual Data
Trend Dec04 Dec05 Dec06 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.10 0.13 0.12 0.08 0.06

American Bank Semi-Annual Data
Dec00 Dec01 Dec02 Dec03 Dec04 Dec05 Dec06 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.10 0.13 0.12 0.08 0.06
AMBK
56GF Score
American Bank Inc AMBK
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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American Bank LT-Debt-to-Total-Asset Calculation

American Bank's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )/Total Assets (A: Dec. 2025 )
=60.324/1077.605
=0.06

American Bank's Long-Term Debt to Total Asset Ratio for the quarter that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (Q: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (Q: Dec. 2025 )/Total Assets (Q: Dec. 2025 )
=60.324/1077.605
=0.06

* 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.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.06 mean?
American Bank (AMBK) has a LT-Debt-to-Total-Asset of 0.06 as of Dec. 2025. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on American Bank and its competitors.
Is American Bank's LT-Debt-to-Total-Asset too high?
American Bank's current LT-Debt-to-Total-Asset is 0.06. 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 LT-Debt-to-Total-Asset compare to JFBC and BSBK?
American Bank's LT-Debt-to-Total-Asset of 0.06 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good LT-Debt-to-Total-Asset for a Banks company?
A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on American Bank and its competitors. American Bank's current LT-Debt-to-Total-Asset is 0.06. 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 LT-Debt-to-Total-Asset is 0.06. 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 LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For American Bank (AMBK), the current LT-Debt-to-Total-Asset is 0.06 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 $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:

  • LT-Debt-to-Total-Asset: 0.06
  • GF Value™: $22.73 vs. price of $21.00 (7.6% below fair value)
  • GF Score™: 56/100 with 3 warning signs

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 Business Description

Address 615 Waterfront Drive, Suite 501, Allentown, PA, USA, 18102
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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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$21.00
Price
$22.73
GF Value