How does AMFC's PE Ratio compare to its peers?

AMFC is good value based on its Price-To-Earnings Ratio (8.8x) compared to the peer average (53.9x).

How does AMFC's PE Ratio compare vs other companies in the US Banks Industry?

AMFC is good value based on its Price-To-Earnings Ratio (8.8x) compared to the US Banks industry average (12.4x).

What is AMFC's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate AMFC's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of AMFC when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

AMFC ($20.3) is trading below our estimate of [[fair value]] ($73.64)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

AMFC Stock Overview

Operates as the bank holding company for American Community Bank of Indiana that provides financial services to customers in Indiana. More details

AMFC fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	2/6
Financial Health	6/6
Dividends	1/6

Rewards

Trading at 72.4% below our estimate of its fair value

Risk Analysis

Shares are highly illiquid

Does not have a meaningful market cap ($18M)

My Notes

Capture your thoughts, links and company narrative

AMB Financial Corp. Competitors

Glen Burnie Bancorp

NasdaqCM:GLBZ

US$17.0m

Logansport Financial

OTCPK:LOGN

US$17.8m

Fleetwood Bank

OTCPK:FLEW

US$19.2m

Enterprise Financial Services Group

OTCPK:EFSG

US$18.8m

Price History & Performance

Summary of share price highs, lows and changes for AMB Financial
Historical stock prices
Current Share Price	US$20.30
52 Week High	US$21.30
52 Week Low	US$18.06
Beta	0.33
1 Month Change	6.84%
3 Month Change	7.12%
1 Year Change	4.10%
3 Year Change	-15.42%
5 Year Change	19.41%
Change since IPO	189.99%

Recent updates

Shareholder Returns

	AMFC	US Banks	US Market
7D	-4.4%	-3.5%	-2.7%
1Y	4.1%	29.1%	23.4%

Return vs Industry: AMFC underperformed the US Banks industry which returned 29.1% over the past year.

Return vs Market: AMFC underperformed the US Market which returned 23.4% over the past year.

Price Volatility

Is AMFC's price volatile compared to industry and market?
AMFC volatility
AMFC Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	16.9%
10% least volatile stocks in US Market	3.2%

Stable Share Price: AMFC's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine AMFC's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1910	n/a	Mike Mellon	www.acbanker.com

AMB Financial Corp. operates as the bank holding company for American Community Bank of Indiana that provides financial services to customers in Indiana. The company provides savings, checking, health savings, individual retirement, and money market deposit accounts, as well as certificates of deposit. It offers business checking accounts, business debit and credit cards, and order business checks.

AMB Financial Corp. Fundamentals Summary

How do AMB Financial's earnings and revenue compare to its market cap?
AMFC fundamental statistics
Market cap	US$18.19m
Earnings (TTM)	US$2.06m
Revenue (TTM)	US$11.80m

8.8x

P/E Ratio

0.6x

P/B Ratio

Is AMFC overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
AMFC income statement (TTM)
Revenue	US$11.80m
Cost of Revenue	US$0
Gross Profit	US$11.80m
Other Expenses	US$9.74m
Earnings	US$2.06m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	2.30
Gross Margin	100.00%
Net Profit Margin	17.45%
Debt/Equity Ratio	10.2%

How did AMFC perform over the long term?

See historical performance and comparison

Dividends

1.2%

Current Dividend Yield

10%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/23 08:11
End of Day Share Price	2024/12/19 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

AMB Financial Corp. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution

AMB Financial OTCPK:AMFC Stock Report