| AMBZ Stock | | | USD 46.00 0.30 0.66% |
President
Ms. Karen A Schoenbaum is the Chief Financial Officer, Executive Vice President of the Company. she has joined American Business Bank as Executive Vice President and Chief Financial Officer in October of 2017. She previously served as Executive Vice President and Chief Financial Officer of California United Bank from October 2009 until its sale in 2017. During her tenure with CUB the Banks assets grew from 456 million to over 3 billion the growth was primarily organic yet supported by three strategic acquisitions. Ms. Schoenbaum managed investor relations, oversaw public financial reporting, the investment department and the Treasury function while maintaining the SOXCOSO internal control framework for the organization and ensuring strong corporate governance in those areas. She also oversaw the Banks information technology systems ensuring best practices for cyber security. Prior to joining CUB, Ms. Schoenbaum served as Executive Vice President and Chief Financial Officer at several Los Angeles banks with assets up to 6 billion, where she was responsible for Financial and Regulatory Reporting, Accounting, Treasury Asset and Liability Management, General Services, the Corporationrationrate Real Estate department and technology. She also worked at the Big 4 accounting firm, EY, from 1985 to 1992. Aside from her professional bank career Ms. Schoenbaum serves as a director of the University of Southern Californias Leventhal Board of Advisors, and is currently a director of the Los Angeles EY Alumni Association. In 2017 she was elected to LAUP, now known as Child360, Board of Directors a nonprofit dedicated to early childhood education, and is also the Chair of their Finance Committee since 2017.
| Age | 54 |
| Tenure | 8 years |
| Phone | 213 430 4000 |
| Web | https://www.americanbb.bank |
Schoenbaum received a B.A. in Business Administration, a M.A in Accounting, and a certificate in computer science from the University of Southern California.
American Business Management Efficiency
The company has return on total asset
(ROA) of
0.0125 % which means that it generated a profit of $0.0125 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity
(ROE) of
0.1822 %, meaning that it created $0.1822 on every $100 dollars invested by stockholders. American Business' management efficiency ratios could be used to measure how well American Business manages its routine affairs as well as how well it operates its assets and liabilities.
American Business Bk currently holds 40
M in liabilities. Debt can assist American Business until it has trouble settling it off, either with new capital or with free cash flow. So, American Business' shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like American Business sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for American to invest in growth at high rates of return. When we think about American Business' use of debt, we should always consider it together with cash and equity.
American Business Bank, a California-chartered bank, provides banking products and services to small and medium-sized firms, non-profits, business executives, and professionals in Southern California. The company was incorporated in 1998 and is headquartered in Los Angeles, California. AMERICAN BUSINESS operates under BanksRegional classification in the United States and is traded on OTC Exchange. It employs 205 people. American Business Bk [AMBZ] is traded as part of a regulated electronic over-the-counter service offered by the NASD.
Management Performance
American Business Leadership Team
Elected by the shareholders, the American Business' board of directors comprises two types of representatives: American Business inside directors who are chosen from within the company, and outside directors, selected externally and held independent of American. The board's role is to monitor American Business' management team and ensure that shareholders' interests are well served. American Business' inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, American Business' outside directors are responsible for providing unbiased perspectives on the board's policies.
| Philip Feghali, Executive Vice President | |
| Kenneth Bettencourt, VP Ambassador | |
| Leon Blankstein, President CEO, Director | |
| Karen Schoenbaum, CFO, Executive Vice President | |
| Erik Dickerson, Regional VP | |
| Donald Johnson, Vice Chairman of the Board, Director | |
| Marian Wall, Chief VP | |
| Gary Coleman, Sr Mang | |
| Patti Vollmer, Executive Vice President Chief Credit Officer | |
| Silvia Marjoram, Regional Officer | |
American Stock Performance Indicators
The ability to make a profit is the ultimate goal of any investor. But to identify the right otc stock is not an easy task. Is American Business a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.
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Additional Tools for American OTC Stock Analysis
When running American Business' price analysis, check to
measure American Business' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy American Business is operating at the current time. Most of American Business' value examination focuses on studying past and present price action to
predict the probability of American Business' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move American Business' price. Additionally, you may evaluate how the addition of American Business to your portfolios can decrease your overall portfolio volatility.