AMBK (American Bank) Scaled Net Operating Assets: 0.12 (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 Scaled Net Operating Assets?

American Bank AMBK 56 Scaled Net Operating Assets is 0.12 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

American Bank's operating assets for the quarter that ended in Dec. 2025 was $1,033.06 Mil. American Bank's operating liabilities for the quarter that ended in Dec. 2025 was $910.35 Mil. American Bank's Total Assets for the quarter that ended in Dec. 2024 was $986.67 Mil. Therefore, American Bank's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.12.

AMBK
56GF Score
American Bank Inc AMBK
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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American Bank Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

American Bank's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(1033.062-910.346)/986.667
=0.12

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1077.605 - 44.543
=1033.062

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=970.67 - 60.324 - 0
=910.346

American Bank's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Dec. 2024 )
=(1033.062-910.346)/986.667
=0.12

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1077.605 - 44.543
=1033.062

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=970.67 - 60.324 - 0
=910.346

* 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.

What does a Scaled Net Operating Assets of 0.12 mean?
American Bank (AMBK) has a Scaled Net Operating Assets of 0.12 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on American Bank and its competitors.
Is American Bank's Scaled Net Operating Assets too high?
American Bank's current Scaled Net Operating Assets is 0.12. 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 Scaled Net Operating Assets compare to JFBC and BSBK?
American Bank's Scaled Net Operating Assets of 0.12 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on American Bank and its competitors. American Bank's current Scaled Net Operating Assets is 0.12. 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 Scaled Net Operating Assets is 0.12. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For American Bank (AMBK), the current Scaled Net Operating Assets is 0.12 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:

  • Scaled Net Operating Assets: 0.12
  • 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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$21.00
Price
$22.73
GF Value