OTC: AMBZ - American Business Bank

Yield per half year: +6.04%
Dividend yield: +0.56%
Sector: Financials

Reporting American Business Bank

Capitalization

IFRS

Reporting Annual Quarterly

	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	LTM	5 year average	CAGR 5
Выручка, млрд $				0.0473	0.0538	0.0555	0.071	0.084	0.0959	0.1136	0.1318	0.1308	0.1308	0.1112	9.26
Чистая прибыль, млрд $				0.0121	0.0127	0.0083	0.0164	0.0221	0.0288	0.0392	0.0486	0.044	0.044	0.0365	14.77
EV, млрд $											0.4852	0.3306	0.3306	0.4079	-17.45
Баланс стоимость, млрд $				0.1314	0.1359	0.1528	0.1651	0.2067	0.2478	0.2786	0.2544	0.3141	0.3141	0.2603	8.73
FCF, млрд $							0.0377	0.0454	0.0463	0.0594	0.0645	0.0572	0.0572	0.0546	4.73
Операционный денежный поток, млрд $					0.0392	0.0392	0.0392	0.0541	0.047	0.0599	0.0653	0.0577	0.0577	0.0568	1.30
Операционная прибыль, млрд $	0.04	0.0281	0.0256	0.0162	0.0173	0.0182	0.0216	0.0299						0.0206	13.04
Операционные расходы, млрд $			0.0268	0.0311	0.0365	0.0374	0.0455	0.0508						0.0403	10.31
CAPEX, млрд $						0.0015	0.0015	0.0086	0.000694	0.000496	0.000798	0.000545	0.000545	0.0022	-42.41

	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
Выручка, млрд $											0.031	0.0345	0.0368	0.0346	0.0311	0.0322	0.0329	0.0315	0.0307	0.0333	0.0321	0.67
Чистая прибыль, млрд $											0.0114	0.0133	0.014	0.0131	0.0093	0.0102	0.0114	0.0105	0.0095	0.0108	0.0105	1.15
EV, млрд $													0.479	0.7477	0.4754		0.3306	0.4833			0.5032	0.18
Баланс стоимость, млрд $											0.2394	0.2361	0.2544	0.2797	0.2831	0.2793	0.3141	0.316	0.3309	0.3575	0.3196	5.06
FCF, млрд $													0
Операционная прибыль, млрд $		0.0289	0.003	0.0048	0.0055	0.0084	0.0072	0.0072	0.0074	0.0082			0								0.0077	-0.48
Операционные расходы, млрд $	0.0092	0.0106	0.0121	0.0116	0.0126	0.0096	0.013	0.0123	0.0127	0.0128											0.0121	5.92

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	LTM	5 year average	CAGR 5
Наличность, млрд $				0.0398	0.0376	0.0324	0.1033	0.0769	0.2461	0.2289	0.0366	0.0432	0.0432	0.1263	-10.89
Short Term Investments $				0.0000	0.000697	0.0095	0.6584	0.6845	0.9393	1.24	0.6793	0.6112	0.6112	0.8309	-2.24
Long term investments $			0.7906	0.8789	0.9534	0.855	0.7459	0.7712	1.08	1.54	1.26	1.18		1.17	8.88
Total Receivables $							0.02	0.0271	0.0307	0.029	0.0296	0.0324	0.0324	0.0298	3.64
Total Current Assets $			0.0444	0.0398	0.0383	0.0419	0.1138	0.0868	0.2612	0.2431	0.0366			0.1483	-20.30
Чистые активы, млрд $		0.000849	0.0014	0.0015	0.0014	0.0013	0.0018	0.0181	0.0163	0.0147	0.0056			0.0113	25.48
Активы, млрд $				1.67	1.84	1.87	2.16	2.4	3.45	3.91	3.84	3.9	3.9	3.50	10.20
Short Term Debt $			0.041	0.005	0.103	0.062								0.0527	10.89
Long Term Debt $	0.1176	0.005	0.041	0.005	0.103	0.062					0.1615	0.055	0.055	0.0773	61.54
Задолженность, млрд $				1.54	1.71	1.72	1.99	2.2	3.21	3.63	3.59	3.59	3.59	3.24	10.29
Чистый долг, млрд $											0.1249	0.0118	0.0118	0.0683	-69.26
Долг, млрд $			0.082	0.01	0.206	0.124								0.1055	10.89
Interest income $							0.0702	0.0831	0.0933	0.1089	0.1277	0.1591		0.1144	13.87
Расходы на обслуживание долга $							0.0031	0.0048	0.0029	0.0018	0.0027	0.0372	0.0372	0.0099	50.61
Чист. проц. доходы, млрд $							0.0702	0.0831	0.0933	0.1089	0.1277	0.1591	0.1591	0.1144	13.87
Себестоимость, млрд $	0.0043	0.0035	0.0024	0.0015	0.0016	0.0023								0.0023	-8.05

	2016Q2	2016Q3	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2019Q4	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
Наличность, млрд $																		0.0908	0.0929	0.0366	0.0534	0.0882	0.0835	0.0432	0.0626	0.1003	0.2777	0.1135	27.17
Short Term Investments $																		0.7488	0.6958	0.6793	0.6716	0.6397	0.6014	0.6112	0.5802	0.5669	0.5665	0.5852	-1.19
Long term investments $															1.5	1.54	1.45	1.34	1.28	1.26	1.25	1.22	1.17	1.18				1.22	-1.30
Total Receivables $											0.0271	0.0307				0.029				0.0296				0.0324				0.0298	3.64
Total Current Assets $												0.2612	0.389	0.3438	0.3784	0.2431	0.1116	0.0908	0.0929	0.0366	0.0534							0.0771	-13.71
Чистые активы, млрд $													0.0075	0.0071	0.0068	0.0147	0.0063	0.006	0.0056	0.0056	0.0053	0.0051						0.0055	-3.20
Активы, млрд $																		3.78	3.78	3.84	3.88	3.9	3.87	3.9	3.88	3.93	4.12	3.94	1.26
Short Term Debt $				0.118	0.018	0.002	0.062	0.032	0.037																			0.0302	15.50
Long Term Debt $									0.037	0.001								0.04		0.1615	0.486	0.32	0.04	0.055	0.21	0.1		0.1450	-20.76
Задолженность, млрд $																		3.54	3.55	3.59	3.6	3.62	3.59	3.59	3.56	3.6	3.76	3.62	0.93
Чистый долг, млрд $																				0.1249	0.4326	0.2318		0.0118	0.1474			0.1897	3.37
Долг, млрд $				0.236	0.036	0.004	0.104	0.064	0.074																			0.0564	15.50
Interest income $															0.0283	0.028	0.0285	0.0303	0.0328	0.0361	0.0378	0.0393	0.0404	0.0416				0.0390	2.88
Расходы на обслуживание долга $																		0.000442	0.000449	0.0014	0.0058	0.0106	0.0101	0.0107	0.0122	0.0136	0.0135	0.0120	5.97
Чист. проц. доходы, млрд $																	0.0282	0.0303	0.0328	0.0361	0.0378	0.0393	0.0404	0.0416	0.0416	0.0426		0.0411	1.63
Себестоимость, млрд $	0.0004	0.000401	0.000394	0.000693	0.000549	0.00068	0.000446	0.0015	0.0017	0.0013																		0.0011	13.84

Share

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	1.71	1.73	0.9084	2.09	2.81	3.62	4.43	5.42	4.86			4.86	4.23	11.58
Цена акции ао			40.05	39.72	34.78	26.98	38.52	39.8	35.98	44	44.74	44.74	40.61	3.04
Число акций ао, млн				7.85	7.85	7.94	8.83	8.96	9.04			9.04	8.52	2.86
FCF/акцию				4.8	5.79	5.83	6.72	7.2	6.32			6.32	6.37	1.77

	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2025Q1	5 quarters average	CAGR 5
EPS			1.28	1.48	1.56	1.45	1.03	1.13	1.26	1.16	1.04	1.18		1.15	0.87
Цена акции ао	40.25	41.56	40.2	40.03	39.72	38.8	30.04	29.49	31.38				44.74	34.89	2.89

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %		9.22	9.36	5.44	10.31	11.88	12.66	14.88	18.22	15.47			14	17.45	14.62	5.42
ROA, %		0.7252	0.69	0.444	0.8134	0.9684	0.9826	1.06	1.25	1.14			1.13	4.76	1.08	3.32
ROS, %				14.98	23.1	26.28	30	34.48	36.85	33.62	33.62	33.62	33.62	25.00	34.44	-0.50
ROCE, %												0	0	6.39
Ebit margin, %												0	0
Рентаб EBITDA, %												0	0	20.66
Чистая рентаб, %		25.64	23.62	14.98	23.1	26.28	30	34.48	36.85	33.62			33.62	25.00	32.25	5.05
Operation Margin, %	55.93	34.23	32.21	32.76	30.5	35.62				0	0	0	0	11.86	33.06	0.80

	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	Industry average	5 quarters average	CAGR 5
ROE, %											4.32	5.16	5.6	5.25	3.29	3.79	4.04	3.58	3.12	3.37	17.45	3.58	-2.32
ROA, %											0.3007	0.3505	0.366	0.339	0.239	0.2619	0.2925	0.2699	0.2434	0.2679	4.76	0.2671	0.45
ROS, %											36.91	38.45	37.96	37.83	30.03	31.59	34.59	33.29	30.91	32.39	25.00	32.55	0.50
Чистая рентаб, %											36.91	38.45	37.96	37.83	30.03	31.59	34.59	33.29	30.91	32.39	25.00	32.55	0.50
Operation Margin, %	36.92	206.05	19.77	29.46	30.23	46.66	35.45	35.17	34.25	37.55											11.86	37.82	-4.25

Coefficients

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E					15.56	12.71	8.79	8.91	7.42	7.25			7.25	48.33	9.02	-10.62
P/BV					1.55	1.36	1.02	1.25	1.42	1.01			1.01	7.81	1.21	-5.78
P/S					3.6	3.34	2.64	3.07	2.73	2.44			2.44	16.50	2.84	-6.09
P/FCF										0	0	0	0	2.41
E/P										0	0	0	0	87.41
EV/EBIT											0	0	0
EV/S									3.68	2.53	2.53	2.53	2.53	16.20	2.82	-8.94
EV/FCF									7.52	5.78	5.78	5.78	5.78	21.08	6.22	-6.37
Debt/EBITDA										0	0	0	0	-305.66
Netdebt/Ebitda										0	0	0	0	-297.90
Debt/Ratio	0.0534	0.006	0.1118	0.0662						0	0	0	0	0.12	0.0593	5.52
Debt/Equity	0.6897	0.0761	1.52	0.8115						0	0	11.43	11.43	10.69	2.91	75.34
Debt/Net Income	7.16	0.8251	16.2	14.91						0	0	0	0	30.43	9.77	20.13
PEG												28.98	28.98		28.98	0.00
Бета										1.46	2.56	-0.0488	-0.0488	-0.88	1.32	-132.21
Индекс Альтмана										0.052	0.0493	0.0493	0.0493	50.21	0.0502	-1.76

	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E							8.31	7.86	7.26	6.06	4.88	5.98	7.23	8.09	6.65	8.17			48.33	7.22	6.44
P/BV							1.49	1.48	1.39	1.13	0.8606	1	1.01	1.06	0.8378	0.9658			7.81	0.9747	-0.69
P/S							2.96	2.79	2.67	2.29	1.77	2.07	2.43	2.62	2.17	2.68			16.50	2.39	5.30
EV/S											15.31		10.05	15.33					16.20	13.56	0.04
Debt/Ratio	0.1297	0.0203	0.0023	0.0555	0.0331	0.0366													0.12	0.0296	12.51
Debt/Equity	1.68	0.2365	0.0258	0.6806	0.4179	0.4785													10.69	0.3679	15.14
Debt/Net Income	66.37	10.24	1.06	-41.04	26.38	19.84													30.43	3.30	14.14
Бета																	-0.0124	-0.048	-0.88	-0.0302	96.75
Индекс Альтмана																	0.0493	0.0493	50.21	0.0493	0.00

Dividends

IFRS

Reporting Annual

	2024	LTM	Industry average	5 year average	CAGR 5
Дивиденд	0.25	0.25		0.2500	0.00
Див доход, ао, %	0.5645	0.5645	7.90	0.5645	0.00

	Industry average	5 quarters average	CAGR 5

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2023	2024	CAGR 5
Персонал, чел	235	233	-0.43

	CAGR 5

	CAGR 5