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American BankAMBK 64 5-Year Yield-on-Cost % is 3.18 as of Jul. 24, 2026, which is 19% below its 10-year median of 3.95. GuruFocus rates AMBK with a GF Score™ of 64/100 and a GF Value™ of $22.86 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,250 Banks companies, American Bank ranks worse than 63.04% on this metric.
American Bank's yield on cost for the quarter that ended in Dec. 2025 was 3.18.
The historical rank and industry rank for American Bank's 5-Year Yield-on-Cost % or its related term are showing as below:
AMBK'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.96 Med: 3.95 Max: 5.46
Current: 3.18
During the past 13 years, American Bank's highest Yield on Cost was 5.46. The lowest was 2.96. And the median was 3.95.
AMBK's 5-Year Yield-on-Cost % is ranked worse than 63.04% of 1250
companies
in the Banks industry
Industry Median: 3.885
vs AMBK: 3.18
American Bank (OTCPK:AMBK) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
American Bank 5-Year Yield-on-Cost % Related Terms
AMBK vs JFBC, BSBK, CWBK: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, American Bank's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, American Bank's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where American Bank's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of American Bank is calculated as
American Bank (AMBK) has a 5-Year Yield-on-Cost % of 3.18 as of Jul. 24, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on American Bank and its competitors. This is 19% below median its historical median of 3.95. Over the past decade, American Bank's 5-Year Yield-on-Cost % has ranged from 2.96 to 5.46. According to the industry distribution chart, American Bank ranks #788 out of 1250 companies in the Banks industry, placing it in the top 63%.
Is American Bank's 5-Year Yield-on-Cost % too high?
American Bank's current 5-Year Yield-on-Cost % of 3.18 is 19% below median its 10-year median of 3.95. Over the past 10 years, this metric has ranged from a low of 2.96 to a high of 5.46. The Banks industry median 5-Year Yield-on-Cost % is 3.89. American Bank's value of 3.18 is 18.1% below this industry median. Based on the distribution chart, American Bank ranks #788 out of 1250 companies in the Banks industry, which is below the industry midpoint. Overall, American Bank has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does American Bank's 5-Year Yield-on-Cost % compare to JFBC and BSBK?
According to the Banks industry distribution chart, American Bank ranks #788 out of 1250 companies for 5-Year Yield-on-Cost %. This places American Bank in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.89. American Bank's value of 3.18 is 18.1% below this benchmark. Historically, American Bank's own 5-Year Yield-on-Cost % has ranged from 2.96 to 5.46 over the past decade. While the company's 10-year median is 3.95 vs. the industry median of 3.89, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.89, based on 1,250 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. American Bank's current 5-Year Yield-on-Cost % of 3.18 is 18.1% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on American Bank and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. American Bank's current 5-Year Yield-on-Cost % is 3.18, which is 19% below median its own 10-year median of 3.95. 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 $22.86, compared to a current price of $22.73 — trading 0.6% below its estimated fair value. The current 5-Year Yield-on-Cost % is 3.18, which is 19% below median its 10-year median of 3.95 and 18.1% below the Banks industry median of 3.89. American Bank's overall GF Score™ is 64/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For American Bank (AMBK), the current 5-Year Yield-on-Cost % is 3.18 as of Jul. 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 $22.73 is trading 0.6% below its estimated GF Value™ of $22.86.
GuruFocus considers American Bank to be Fairly Valued.
Key valuation signals for AMBK:
5-Year Yield-on-Cost %: 3.18 (19% below median its 10-year median of 3.95)
GF Value™: $22.86 vs. price of $22.73 (0.6% below fair value)
Industry Position: 18.1% below the Banks median (#788 of 1250)
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.
64GF Score
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