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American Business BankAMBZ 64 5-Year Yield-on-Cost % is 1.51 as of Jul. 31, 2026, which is 14% above its 10-year median of 1.32. GuruFocus rates AMBZ with a GF Score™ of 64/100 and a GF Value™ of $55.94 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,251 Banks companies, American Business Bank ranks worse than 87.77% on this metric.
American Business Bank's yield on cost for the quarter that ended in Jun. 2026 was 1.51.
The historical rank and industry rank for American Business Bank's 5-Year Yield-on-Cost % or its related term are showing as below:
AMBZ'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.58 Med: 1.32 Max: 1.57
Current: 1.51
During the past 13 years, American Business Bank's highest Yield on Cost was 1.57. The lowest was 0.58. And the median was 1.32.
AMBZ's 5-Year Yield-on-Cost % is ranked worse than 87.77% of 1251
companies
in the Banks industry
Industry Median: 3.84
vs AMBZ: 1.51
American Business Bank (OTCPK:AMBZ) 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 Business Bank 5-Year Yield-on-Cost % Related Terms
AMBZ vs AROW, BHB, RRBI: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, American Business 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 Business Bank 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, American Business Bank's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where American Business Bank's 5-Year Yield-on-Cost % falls into.
American Business Bank 5-Year Yield-on-Cost % Calculation
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.
American Business Bank (AMBZ) has a 5-Year Yield-on-Cost % of 1.51 as of Jul. 31, 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 Business Bank and its competitors. This is 14% above median its historical median of 1.32. Over the past decade, American Business Bank's 5-Year Yield-on-Cost % has ranged from 0.58 to 1.57. According to the industry distribution chart, American Business Bank ranks #1098 out of 1251 companies in the Banks industry, placing it in the top 87.8%.
Is American Business Bank's 5-Year Yield-on-Cost % too high?
American Business Bank's current 5-Year Yield-on-Cost % of 1.51 is 14% above median its 10-year median of 1.32. Over the past 10 years, this metric has ranged from a low of 0.58 to a high of 1.57. The Banks industry median 5-Year Yield-on-Cost % is 3.84. American Business Bank's value of 1.51 is 60.7% below this industry median. Based on the distribution chart, American Business Bank ranks #1098 out of 1251 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, American Business Bank has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does American Business Bank's 5-Year Yield-on-Cost % compare to AROW and BHB?
According to the Banks industry distribution chart, American Business Bank ranks #1098 out of 1251 companies for 5-Year Yield-on-Cost %. This places American Business Bank in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.84. American Business Bank's value of 1.51 is 60.7% below this benchmark. Historically, American Business Bank's own 5-Year Yield-on-Cost % has ranged from 0.58 to 1.57 over the past decade. While the company's 10-year median is 1.32 vs. the industry median of 3.84, American Business 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 3.84, based on 1,251 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 Business Bank's current 5-Year Yield-on-Cost % of 1.51 is 60.7% 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 Business Bank and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.84 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. American Business Bank's current 5-Year Yield-on-Cost % is 1.51, which is 14% above median its own 10-year median of 1.32. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is American Business Bank stock overvalued right now?
Based on GuruFocus' analysis, American Business Bank (AMBZ) is currently considered Modestly Overvalued. The stock's GF Value™ is $55.94, compared to a current price of $72.90 — trading 30.3% above its estimated fair value. The current 5-Year Yield-on-Cost % is 1.51, which is 14% above median its 10-year median of 1.32 and 60.7% below the Banks industry median of 3.84. American Business Bank's overall GF Score™ is 64/100 with 4 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 Business Bank (AMBZ), the current 5-Year Yield-on-Cost % is 1.51 as of Jul. 31, 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 Business Bank (AMBZ) Overvalued in 2026?
Based on GuruFocus' analysis, American Business Bank stock appears to be overvalued.
The current stock price of $72.90 is trading 30.3% above its estimated GF Value™ of $55.94.
GuruFocus considers American Business Bank to be Modestly Overvalued.
Key valuation signals for AMBZ:
5-Year Yield-on-Cost %: 1.51 (14% above median its 10-year median of 1.32)
GF Value™: $55.94 vs. price of $72.90 (30.3% above fair value)
Industry Position: 60.7% below the Banks median (#1098 of 1251)
No single metric tells the full story. See the AMBZ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
American Business Bank is a California-chartered bank mainly engaged in the business of serving the banking needs of small and medium-sized companies, non-profits, along with the personal needs of business executives and professionals in Southern California. Its revenues are derived principally from interest on loans and investments and other fees.
64GF Score
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