American BankAMBK 56 PB Ratio is 1.24 as of Jul. 02, 2026, which is 5% below its 10-year median of 1.30. 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 1,517 Banks companies, American Bank ranks worse than 60.65% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-07-02), American Bank's share price is $21.00. American Bank's Book Value per Share for the quarter that ended in Dec. 2025 was $16.89. Hence, American Bank's PB Ratio of today is 1.24.
The historical rank and industry rank for American Bank's PB Ratio or its related term are showing as below:
AMBK'
s PB Ratio Range Over the Past 10 Years
Min: 0.95 Med: 1.3 Max: 1.7
Current: 1.24
During the past 13 years, American Bank's highest PB Ratio was 1.70. The lowest was 0.95. And the median was 1.30.
AMBK's PB Ratio is ranked worse than 60.65% of 1517
companies
in the Banks industry
Industry Median: 1.1
vs AMBK: 1.24
During the past 12 months, American Bank's average Book Value Per Share Growth Rate was 11.20% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 10.60% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 10.40% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 13.90% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of American Bank was 28.70% per year. The lowest was 3.60% per year. And the median was 11.00% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
American Bank PB Ratio Related Terms
American Bank PB Ratio Historical Data
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The historical data trend for American Bank's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, American Bank's PB Ratio distribution charts can be found below:
* The bar in red indicates where American Bank's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
American Bank's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
American Bank (AMBK) has a PB Ratio of 1.24 as of Jul. 02, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on American Bank and its competitors. This is near median its historical median of 1.30. Over the past decade, American Bank's PB Ratio has ranged from 0.95 to 1.70. According to the industry distribution chart, American Bank ranks #920 out of 1517 companies in the Banks industry, placing it in the top 60.6%.
Is American Bank's PB Ratio too high?
American Bank's current PB Ratio of 1.24 is near median its 10-year median of 1.30. Over the past 10 years, this metric has ranged from a low of 0.95 to a high of 1.70. The Banks industry median PB Ratio is 1.10. American Bank's value of 1.24 is 12.7% above this industry median. Based on the distribution chart, American Bank ranks #920 out of 1517 companies in the Banks industry, which is below the industry midpoint. 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 PB Ratio compare to JFBC and BSBK?
According to the Banks industry distribution chart, American Bank ranks #920 out of 1517 companies for PB Ratio. This places American Bank in the lower half of its industry. The industry median PB Ratio is 1.10. American Bank's value of 1.24 is 12.7% above this benchmark. Historically, American Bank's own PB Ratio has ranged from 0.95 to 1.70 over the past decade. While the company's 10-year median is 1.30 vs. the industry median of 1.10, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.10, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. American Bank's current PB Ratio of 1.24 is 12.7% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on American Bank and its competitors. For the Banks industry, the median PB Ratio is 1.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. American Bank's current PB Ratio is 1.24, which is near median its own 10-year median of 1.30. 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 PB Ratio is 1.24, which is near median its 10-year median of 1.30 and 12.7% above the Banks industry median of 1.10. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For American Bank (AMBK), the current PB Ratio is 1.24 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:
PB Ratio: 1.24 (near median its 10-year median of 1.30)
GF Value™: $22.73 vs. price of $21.00 (7.6% below fair value)
Industry Position: 12.7% above the Banks median (#920 of 1517)
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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