American Business Bank AMBZ OTC

American Business Bank (AMBZ) generated $57.87M in operating cash flow for fiscal year 2024. After capital expenditures of $1.84M, free cash flow was $56.03M.

Free cash flow margin was 30.6% of revenue. Cash conversion ratio was 1.34x, indicating earnings are backed by cash.

The company returned $440.5K in share buybacks to shareholders during the period.

Criteria supported by this page:

• HEALTH (33/100, Fail) — weak cash flow raises concerns about debt servicing
• MOAT (49/100, Partial) — cash flow generation is present but not at levels indicating a wide moat
• INCOME (85/100) — Cash conversion ratio was 1.34x confirms earnings are backed by real cash flow

Overall SharesGrow Score: 67/100 with 4/7 criteria passed.