AMBK (American Bank) Margin of Safety % (DCF FCF Based): -15.38% (As of Jun. 24, 2026)


AMBK American Bank Inc AMBK
56 GF Score
Price $18.38
GF Value $22.69
Valuation Modestly Undervalued
! 3 Warning Signs
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What is American Bank Margin of Safety % (DCF FCF Based)?

American Bank AMBK 56 Margin of Safety % (DCF FCF Based) is -15.38% as of Jun. 24, 2026. 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.

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-24), American Bank's Predictability Rank is 3.5-Stars. American Bank's intrinsic value calculated from the Discounted FCF model is $64.01 and current share price is $18.38. Consequently,

American Bank's Margin of Safety % (DCF FCF Based) using Discounted FCF model is -15.38%.

AMBK vs RVSB, JFBC, PPBN: Margin of Safety % (DCF FCF Based) Comparison

For the Banks - Regional subindustry, American Bank's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) vs Banks Industry

For the Banks industry and Financial Services sector, American Bank's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where American Bank's Margin of Safety % (DCF FCF Based) falls into.


AMBK
56GF Score
American Bank Inc AMBK
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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American Bank Margin of Safety % (DCF FCF Based) Calculation

American Bank's Margin of Safety % (DCF FCF Based) for today is calculated as

Margin of Safety % (DCF FCF Based)=(Intrinsic Value: DCF (FCF Based)-Current Price)/Intrinsic Value: DCF (FCF Based)
=(15.93-18.38)/15.93
=-15.38 %

* 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.

The intrinsic value is calculated from the Discounted FCF model with default parameters. The calculation method is the same as Discounted Earnings model except free cash flow are used in the calculation instead of earnings per share.

What does a Margin of Safety % (DCF FCF Based) of -15.38% mean?
American Bank (AMBK) has a Margin of Safety % (DCF FCF Based) of -15.38% as of Jun. 24, 2026. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on American Bank.
Is American Bank's Margin of Safety % (DCF FCF Based) too high?
American Bank's current Margin of Safety % (DCF FCF Based) is -15.38%. 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 Margin of Safety % (DCF FCF Based) compare to RVSB and JFBC?
American Bank's Margin of Safety % (DCF FCF Based) of -15.38% 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 Margin of Safety % (DCF FCF Based) for a Banks company?
A good Margin of Safety % (DCF FCF Based) depends on the Banks industry context. However, Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) mean?
A high Margin of Safety % (DCF FCF Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on American Bank. American Bank's current Margin of Safety % (DCF FCF Based) is -15.38%. 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 Margin of Safety % (DCF FCF Based) is -15.38%. 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 Margin of Safety % (DCF FCF Based) calculated?
Margin of Safety % (DCF FCF Based) is calculated from a company's financial statements. For American Bank (AMBK), the current Margin of Safety % (DCF FCF Based) is -15.38% as of Jun. 24, 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 $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:

  • Margin of Safety % (DCF FCF Based): -15.38%
  • GF Value™: $22.69 vs. price of $18.38 (19% 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

Get the complete analysis for AMBK

Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$18.38
Price
$22.69
GF Value