American Business Bank (AMBZ) Stock Price, News & Analysis

Company Overview

American Business Bank (OTCMKTS:AMBZ) is a California-based commercial bank founded in 2006 and headquartered in Irvine. As a subsidiary of American Business Bancorp, Inc., the institution focuses on serving small to mid-sized businesses through a full suite of banking and lending solutions. Its client base spans a variety of industries, including commercial real estate, manufacturing, professional services, and technology, reflecting a commitment to supporting the diverse needs of growing companies.

The bank’s core activities include commercial real estate lending for owner-occupied and investment properties, equipment financing, business term loans, revolving lines of credit, and government-backed SBA and USDA offerings. Complementing its lending capabilities, American Business Bank provides treasury management services such as online cash management, automated clearinghouse (ACH) transactions, wire transfers, merchant services, and controlled disbursement. Deposit products range from business checking and savings accounts to money market instruments, designed to optimize working capital for corporate clients.

Primarily serving Southern California, the bank maintains a network of branches across Orange County, Los Angeles, the Inland Empire, San Diego, and Santa Barbara. With local decision-making authority and a deep understanding of regional market dynamics, American Business Bank aims to deliver timely credit approvals and customized service. Its geographical footprint enables close client relationships and rapid responsiveness to business challenges.

The leadership team is spearheaded by founder and Chief Executive Officer Stephen A. Mustari, supported by seasoned professionals in commercial banking, credit administration, and risk management. Under their guidance, the bank emphasizes personalized service, careful risk assessment, and strategic growth. American Business Bank continues to leverage its middle-market expertise to provide tailored financial solutions that foster business development and long-term client success.

Key Stats

• Today's Range: $46.80 to $47.25
• 50-Day Range: $42.26 to $47.46
• 52-Week Range: $31.13 to $47.70
• Volume: 1,960 shs
• Average Volume: 8,357 shs
• Market Capitalization: $422.82 million
• P/E Ratio: 9.87
• Dividend Yield: 2.12%
• Price Target: N/A
• Consensus Rating: N/A

American Business Bank Stock Analysis - MarketRank™

American Business Bank scored higher than 25% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for American Business Bank.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of American Business Bank is 9.88, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.84.

Price to Earnings Ratio vs. Sector

The P/E ratio of American Business Bank is 9.88, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.02.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.01% of the float of American Business Bank has been sold short.

Short Interest Ratio / Days to Cover

American Business Bank has a short interest ratio ("days to cover") of 0, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in American Business Bank has recently decreased by 85.29%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

American Business Bank pays a meaningful dividend of 2.11%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

American Business Bank does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of American Business Bank is 20.92%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.01% of the float of American Business Bank has been sold short.

Short Interest Ratio / Days to Cover

American Business Bank has a short interest ratio ("days to cover") of 0, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in American Business Bank has recently decreased by 85.29%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 0.0 / 5
• News Sentiment: N/A

News Coverage This Week

MarketBeat has tracked 1 news article for American Business Bank this week, compared to 1 article on an average week.

Company Ownership

• Score: 0.0 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, American Business Bank insiders have not sold or bought any company stock.

Percentage Held by Institutions

Only 9.87% of the stock of American Business Bank is held by institutions.

AMBZ Stock Analysis - Frequently Asked Questions

How have AMBZ shares performed this year?

American Business Bank's stock was trading at $44.00 on January 1st, 2025. Since then, AMBZ shares have increased by 7.4% and is now trading at $47.25.

How were American Business Bank's earnings last quarter?

American Business Bank (OTCMKTS:AMBZ) released its quarterly earnings data on Monday, April, 28th. The financial services provider reported $1.27 EPS for the quarter. The financial services provider earned $36.33 million during the quarter.

How do I buy shares of American Business Bank?

Shares of AMBZ stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of American Business Bank own?

Based on aggregate information from My MarketBeat watchlists, some other companies that American Business Bank investors own include Amgen (AMGN), Bank of New York Mellon (BK), IDEXX Laboratories (IDXX), Laurentian Bank of Canada (LRCDF), Sabra Healthcare REIT (SBRA), Uniti Group (UNIT) and Univar Solutions (UNVR).

Company Calendar

• Last Earnings: 4/28/2025
• Ex-Dividend for 6/17 Dividend: 5/07/2025
• Record date for 6/17 Dividend: 5/08/2025
• Dividend Payable: 6/17/2025
• Today: 7/11/2025
• Next Earnings (Estimated): 7/28/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: OTCMKTS
• Sector: Finance
• Industry: BANKS - SOUTHWEST
• Sub-Industry: N/A
• Current Symbol: OTCMKTS:AMBZ
• CIK: N/A
• Web: www.americanbusinessbank.com
• Phone: (213) 430-4000
• Fax: 213-627-2784
• Employees: 233
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $4.78
• Trailing P/E Ratio: 9.88
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $43.28 million
• Net Margins: 23.92%
• Pretax Margin: N/A
• Return on Equity: N/A
• Return on Assets: N/A

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: N/A
• Quick Ratio: N/A

Sales & Book Value

• Annual Sales: $183.26 million
• Price / Sales: 2.31
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: N/A
• Price / Book: N/A

Miscellaneous

• Outstanding Shares: 8,960,000
• Free Float: N/A
• Market Cap: $423.36 million
• Optionable: Not Optionable
• Beta: 0.41