American Business Bank

AMBZOTCFinancial Services● Active

$72.94

$-0.05(-0.07%)

Market Cap$649176576

P/E Ratio—

52W High$73.64

52W Low$42.1

Avg Volume9K

Open$72.47

Beta0.24

Free Cash Flow Financials Revenue

American Business Bank (AMBZ) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

AMBZ · free cash flow · updated Jun 9, 2026

Core FCF metrics

AMBZ · FCF · TTM · margin & CAGR

Free cash flow was $69.8M for FY2025 (fiscal year ending 2025-12-31), up 24.5% year-over-year The FCF margin was 35.0%. Five-year CAGR stands at +8.5%.

FY2025 Free Cash Flow$69.8M▲ +24.5% YoY

Trailing 12M (TTM)$0trailing 4 quarters sum

FCF Margin35.0%$69.8M ÷ revenue

3-Year CAGR+2.6%FY2022 → FY2025

5-Year CAGR+8.5%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 9, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

AMBZ · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$71.1M(1M)$69.8M▲ +24.5%35.0%

FY2024$57.9M(2M)$56.0M▼ 2.0%30.6%

FY2023$57.7M(1M)$57.2M▼ 11.4%34.0%

FY2022$65.3M(1M)$64.5M▲ +8.6%48.0%

FY2021$59.9M(0M)$59.4M▲ +28.2%51.5%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

AMBZ · P/FCF · FCF yield · FCF per share

American Business Bank (AMBZ) valuation ratios are currently unavailable — market cap, share count, or TTM data could not be retrieved from our data provider.

FCF Yield (TTM)

N/A

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

N/A

TTM FCF ÷ Shares Outstanding

Price / FCF

N/A

Share Price ÷ FCF per Share

EV / FCF (TTM)

N/A

Enterprise Value basis

Valuation ratios are unavailable — market cap, share count, or TTM data could not be retrieved. Individual metrics are shown where available.

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

AMBZ · cash flow statement · operating / investing / financing

For FY2025, American Business Bank generated $71.1M in operating cash flow and spent 1M in capital expenditures, yielding $69.8M in free cash flow.

Operating Activities

+$71.1M

Cash from core business operations

2025-12-31

Investing Activities

−$213.8M

CapEx, acquisitions & investments

2025-12-31

Financing Activities

+$286.6M

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($71.1M) − |CapEx| (1M) = FCF ($69.8M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

AMBZ vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

American Business BankYOU

AMBZ

$69.8M+24.5%35.0%

Berkshire Hathaway Inc.

BRK-B

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

American Business Bank (AMBZ) reported free cash flow of $69.8M for FY2025 (fiscal year ending 2025-12-31), up 24.5% year-over-year. The FCF margin was 35.0%.

Based on available data, American Business Bank has maintained positive free cash flow for at least 9 fiscal year(s). FCF peaked at $69.8M in FY2025. The 5-year CAGR stands at +8.5%.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

AMBZ free cash flow · 8 questions

American Business Bank free cash flow was $69.8M for FY2025, up 24.5% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $0.

AMBZ free cash flowAMBZ FCFAMBZ FCF 2025AMBZ free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · American Business Bank · American Business Bank SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 9, 2026