American Business Bk
American Business Bank, a California-chartered bank, provides banking products and services to small and medium-sized firms, non-profits, business executives, and professionals in Southern California. The company offers credit and depository; treasury management; asset-based lending; SBA lending; international banking comprising money transfer, import and export commercial letters of credit, stan… Read more
American Business Bk (AMBZ) - Net Assets
Latest net assets as of December 2025: $411.12 Million USD
Based on the latest financial reports, American Business Bk (AMBZ) has net assets worth $411.12 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($4.41 Billion) and total liabilities ($4.00 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $411.12 Million |
| % of Total Assets | 9.33% |
| Annual Growth Rate | 11.21% |
| 5-Year Change | 65.88% |
| 10-Year Change | 212.92% |
| Growth Volatility | 12.15 |
American Business Bk - Net Assets Trend (2012–2025)
This chart illustrates how American Business Bk's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for American Business Bk (2012–2025)
The table below shows the annual net assets of American Business Bk from 2012 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $411.12 Million | +30.91% |
| 2023-12-31 | $314.05 Million | +23.42% |
| 2022-12-31 | $254.45 Million | -8.65% |
| 2021-12-31 | $278.55 Million | +12.39% |
| 2020-12-31 | $247.84 Million | +19.92% |
| 2019-12-31 | $206.67 Million | +25.20% |
| 2018-12-31 | $165.07 Million | +8.03% |
| 2017-12-31 | $152.80 Million | +12.45% |
| 2016-12-31 | $135.88 Million | +3.43% |
| 2015-12-31 | $131.38 Million | +10.51% |
| 2014-12-31 | $118.89 Million | +24.51% |
| 2013-12-31 | $95.49 Million | -7.53% |
| 2012-12-31 | $103.27 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to American Business Bk's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 26505000000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $265.05 Million | 64.47% |
| Other Components | $146.07 Million | 35.53% |
| Total Equity | $411.12 Million | 100.00% |
American Business Bk Competitors by Market Cap
The table below lists competitors of American Business Bk ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Wuestenrot & Wuerttembergische AG
LSE:0GJN
|
$364.89 Million |
|
Norma Group AG NA O.N.
XETRA:NOEJ
|
$365.03 Million |
|
CAP S.A
SN:CAP
|
$365.13 Million |
|
Wilson Sons Holdings Brasil S.A.
SA:PORT3
|
$365.18 Million |
|
Jiangsu Libert Inc
SHG:605167
|
$364.86 Million |
|
ShenZhen V&T Technologies Co Ltd
SHE:300484
|
$364.80 Million |
|
Atea Pharmaceuticals Inc
NASDAQ:AVIR
|
$364.79 Million |
|
Willis Lease Finance Corporation
NASDAQ:WLFC
|
$364.73 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in American Business Bk's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2025, total equity changed from 314,053,304 to 411,125,000, a change of 97,071,696 (30.9%).
- Net income of 54,204,000 contributed positively to equity growth.
- Other factors increased equity by 42,867,696.
Equity Change Factors (2023 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $54.20 Million | +13.18% |
| Other Changes | $42.87 Million | +10.43% |
| Total Change | $- | 30.91% |
Book Value vs Market Value Analysis
This analysis compares American Business Bk's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.93x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 2.04x to 0.93x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2018-12-31 | $21.03 | $43.00 | x |
| 2019-12-31 | $26.33 | $43.00 | x |
| 2020-12-31 | $31.20 | $43.00 | x |
| 2021-12-31 | $31.54 | $43.00 | x |
| 2022-12-31 | $28.39 | $43.00 | x |
| 2023-12-31 | $34.73 | $43.00 | x |
| 2025-12-31 | $46.33 | $43.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently American Business Bk utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 13.18%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 34.72%
- • Asset Turnover: 0.04x
- • Equity Multiplier: 10.72x
- Recent ROE (13.18%) is above the historical average (11.61%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2012 | 10.54% | 24.52% | 0.03x | 12.57x | $557.20K |
| 2013 | 14.13% | 27.57% | 0.04x | 14.16x | $3.94 Million |
| 2014 | 9.64% | 25.03% | 0.03x | 12.92x | $-429.10K |
| 2015 | 9.22% | 25.64% | 0.03x | 12.72x | $-1.02 Million |
| 2016 | 9.36% | 23.62% | 0.03x | 13.56x | $-871.40K |
| 2017 | 5.44% | 14.98% | 0.03x | 12.26x | $-6.96 Million |
| 2018 | 9.93% | 23.10% | 0.03x | 13.07x | $-113.30K |
| 2019 | 10.68% | 26.28% | 0.03x | 11.62x | $1.41 Million |
| 2020 | 11.61% | 30.00% | 0.03x | 13.94x | $3.99 Million |
| 2021 | 14.06% | 34.48% | 0.03x | 14.04x | $11.31 Million |
| 2022 | 19.08% | 36.85% | 0.03x | 15.09x | $23.11 Million |
| 2023 | 14.00% | 33.62% | 0.03x | 12.43x | $12.56 Million |
| 2025 | 13.18% | 34.72% | 0.04x | 10.72x | $13.09 Million |
Industry Comparison
This section compares American Business Bk's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| American Business Bk (AMBZ) | $411.12 Million | 10.54% | 9.72x | $364.88 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |