American Bank Inc
American Bank Incorporated operates as the bank holding company for American Bank that provides various banking products and services to individual, business, government, and public and institutional customers in the United States. The company's deposit products include interest-bearing checking and money market accounts, savings accounts, certificates of deposit, and individual retirement accoun… Read more
American Bank Inc (AMBK) - Net Assets
Latest net assets as of December 2024: $96.04 Million USD
Based on the latest financial reports, American Bank Inc (AMBK) has net assets worth $96.04 Million USD as of December 2024.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($986.67 Million) and total liabilities ($890.63 Million). 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 | $96.04 Million |
| % of Total Assets | 9.73% |
| Annual Growth Rate | -3.15% |
| 5-Year Change | 44.71% |
| 10-Year Change | 105.24% |
| Growth Volatility | 281.42 |
American Bank Inc - Net Assets Trend (2000–2024)
This chart illustrates how American Bank Inc'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 Bank Inc (2000–2024)
The table below shows the annual net assets of American Bank Inc from 2000 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $96.04 Million | +6.93% |
| 2023-12-31 | $89.81 Million | +9.65% |
| 2022-12-31 | $81.91 Million | +7.42% |
| 2021-12-31 | $76.25 Million | +14.90% |
| 2020-12-31 | $66.36 Million | +9.40% |
| 2019-12-31 | $60.66 Million | +9.83% |
| 2018-12-31 | $55.23 Million | +7.62% |
| 2017-12-31 | $51.32 Million | +3.37% |
| 2016-12-31 | $49.65 Million | +6.10% |
| 2015-12-31 | $46.79 Million | -89.60% |
| 2014-12-31 | $449.83 Million | -0.19% |
| 2013-12-31 | $450.69 Million | +1217.08% |
| 2006-12-31 | $34.22 Million | -22.83% |
| 2005-12-31 | $44.34 Million | +5.81% |
| 2004-12-31 | $41.91 Million | +19.87% |
| 2003-12-31 | $34.96 Million | +22.28% |
| 2002-12-31 | $28.59 Million | +12.09% |
| 2001-12-31 | $25.51 Million | -87.67% |
| 2000-12-31 | $206.80 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to American Bank Inc'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 7415600000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $72.52 Million | 75.51% |
| Common Stock | $763.00K | 0.79% |
| Other Comprehensive Income | $-680.00K | -0.71% |
| Other Components | $23.44 Million | 24.40% |
| Total Equity | $96.04 Million | 100.00% |
American Bank Inc Competitors by Market Cap
The table below lists competitors of American Bank Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Graha Layar Prima Tbk
JK:BLTZ
|
$12.93 Million |
|
M Cash Integrasi Tbk PT
JK:MCAS
|
$12.93 Million |
|
3D Energi Ltd
AU:TDO
|
$12.94 Million |
|
Chasys
KO:033250
|
$12.94 Million |
|
Artemis Hali As
IS:ARTMS
|
$12.92 Million |
|
Vishnu Prakash R Punglia Limited
NSE:VPRPL
|
$12.92 Million |
|
Opus One Resources Inc
V:OOR
|
$12.91 Million |
|
Lung Hwa Electronics Co Ltd
TW:2424
|
$12.91 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in American Bank Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 89,811,000 to 96,037,000, a change of 6,226,000 (6.9%).
- Net income of 9,138,000 contributed positively to equity growth.
- Dividend payments of 3,541,000 reduced retained earnings.
- Share repurchases of 546,000 reduced equity.
- New share issuances of 259,000 increased equity.
- Other comprehensive income increased equity by 702,001.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $9.14 Million | +9.52% |
| Dividends Paid | $3.54 Million | -3.69% |
| Share Repurchases | $546.00K | -0.57% |
| Share Issuances | $259.00K | +0.27% |
| Other Comprehensive Income | $702.00K | +0.73% |
| Other Changes | $214.00K | +0.22% |
| Total Change | $- | 6.93% |
Book Value vs Market Value Analysis
This analysis compares American Bank Inc'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: 0.98x
- 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 3.78x to 0.98x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2000-12-31 | $3.88 | $14.65 | x |
| 2001-12-31 | $3.47 | $14.65 | x |
| 2002-12-31 | $4.55 | $14.65 | x |
| 2003-12-31 | $5.17 | $14.65 | x |
| 2004-12-31 | $5.69 | $14.65 | x |
| 2005-12-31 | $5.65 | $14.65 | x |
| 2006-12-31 | $5.20 | $14.65 | x |
| 2012-12-31 | $0.01 | $14.65 | x |
| 2013-12-31 | $5.90 | $14.65 | x |
| 2014-12-31 | $6.58 | $14.65 | x |
| 2015-12-31 | $6.86 | $14.65 | x |
| 2016-12-31 | $7.28 | $14.65 | x |
| 2017-12-31 | $7.54 | $14.65 | x |
| 2018-12-31 | $8.16 | $14.65 | x |
| 2019-12-31 | $9.01 | $14.65 | x |
| 2020-12-31 | $9.91 | $14.65 | x |
| 2021-12-31 | $12.18 | $14.65 | x |
| 2022-12-31 | $12.50 | $14.65 | x |
| 2023-12-31 | $13.52 | $14.65 | x |
| 2024-12-31 | $14.91 | $14.65 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently American Bank Inc 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): 9.52%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 35.50%
- • Asset Turnover: 0.03x
- • Equity Multiplier: 10.27x
- Recent ROE (9.52%) is above the historical average (8.70%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2000 | 1.84% | 51.01% | 0.00x | 10.50x | $-1.90 Million |
| 2001 | 5.25% | 18.21% | 0.02x | 14.45x | $-1.21 Million |
| 2002 | 8.80% | 27.84% | 0.02x | 15.85x | $-343.30K |
| 2003 | 7.54% | 28.39% | 0.02x | 13.79x | $-859.30K |
| 2004 | 7.56% | 30.49% | 0.02x | 12.01x | $-1.02 Million |
| 2005 | 7.96% | 30.47% | 0.02x | 11.93x | $-902.50K |
| 2006 | 8.27% | 26.92% | 0.02x | 14.75x | $-590.90K |
| 2012 | 12.84% | 33.69% | 0.00x | 0.00x | $1.01K |
| 2013 | 0.01% | 31.31% | 0.00x | 13.21x | $-4.00 Million |
| 2014 | 0.01% | 34.77% | 0.00x | 11.76x | $-4.46 Million |
| 2015 | 8.62% | 28.40% | 0.03x | 11.75x | $-644.30K |
| 2016 | 8.95% | 29.46% | 0.03x | 11.22x | $-520.90K |
| 2017 | 10.83% | 22.85% | 0.04x | 11.32x | $427.80K |
| 2018 | 12.39% | 27.33% | 0.04x | 11.26x | $1.32 Million |
| 2019 | 12.99% | 28.76% | 0.04x | 10.58x | $1.81 Million |
| 2020 | 13.83% | 31.65% | 0.04x | 11.06x | $2.54 Million |
| 2021 | 13.80% | 35.31% | 0.04x | 11.14x | $2.90 Million |
| 2022 | 12.55% | 32.34% | 0.03x | 11.32x | $2.09 Million |
| 2023 | 10.37% | 37.47% | 0.03x | 10.23x | $330.90K |
| 2024 | 9.52% | 35.50% | 0.03x | 10.27x | $-465.70K |
Industry Comparison
This section compares American Bank Inc'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 Bank Inc (AMBK) | $96.04 Million | 1.84% | 9.27x | $12.93 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 |