OTCPK:AMFC

Stock Analysis Report

Executive Summary

AMB Financial Corp. operates as the bank holding company for American Community Bank of Indiana that provides financial services to customers primarily located within northwest Indiana.

Snowflake

Fundamentals

Flawless balance sheet and slightly overvalued.

Risks

  • AMB Financial is not covered by any analysts.

Share Price & News

How has AMB Financial's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

OTCPK:AMFC

-2.5%

US Banks

-0.7%

US Market


1 Year Return

-6.0%

OTCPK:AMFC

-14.2%

US Banks

-0.5%

US Market

AMFC outperformed the Banks industry which returned -14.2% over the past year.

AMFC underperformed the Market in United States of America which returned -0.4% over the past year.


Share holder returns

AMFCIndustryMarket
7 Day0%-2.5%-0.7%
30 Day3.6%-6.1%-3.0%
90 Day-1.4%-3.8%0.9%
1 Year-6.0%-6.0%-11.8%-14.2%1.7%-0.5%
3 Year33.0%31.9%42.1%32.4%39.5%30.4%
5 Year100.8%94.9%53.3%36.7%54.1%37.0%

Price Volatility Vs. Market

How volatile is AMB Financial's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is AMB Financial undervalued based on future cash flows and its price relative to the stock market?

13.16x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

AMB Financial's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

AMB Financial's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

AMB Financial is overvalued based on earnings compared to the US Banks industry average.

AMB Financial is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for AMB Financial, we can't assess if its growth is good value.


Price Based on Value of Assets

AMB Financial is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is AMB Financial expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

12.9%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if AMB Financial is high growth as no revenue estimate data is available.

AMB Financial's earnings are expected to grow by 12.9% yearly, however this is not considered high growth (20% yearly).

Unable to compare AMB Financial's revenue growth to the United States of America market average as no estimate data is available.

AMB Financial's earnings growth is positive but not above the United States of America market average.

AMB Financial's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if AMB Financial will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has AMB Financial performed over the past 5 years?

3.8%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

AMB Financial's year on year earnings growth rate has been positive over the past 5 years.

AMB Financial's 1-year earnings growth exceeds its 5-year average (14.8% vs 3.8%)

AMB Financial's earnings growth has not exceeded the US Banks industry average in the past year (14.8% vs 33.3%).


Return on Equity

AMB Financial has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

AMB Financial used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if AMB Financial improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is AMB Financial's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

AMB Financial has an acceptable proportion of non-loan assets held.

AMB Financial has a sufficient allowance for bad loans.

AMB Financial's liabilities are made up of primarily low risk sources of funding.

AMB Financial's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at AMB Financial are broadly funded by customer deposits.

AMB Financial has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is AMB Financial's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate AMB Financial's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate AMB Financial's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as AMB Financial has not reported any payouts.

Unable to verify if AMB Financial's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as AMB Financial has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of AMB Financial's salary, the management and board of directors tenure and is there insider trading?

11.9yrs

Average management tenure


CEO

Mike Mellon (49yo)

11.7yrs

Tenure

US$157,890

Compensation

Mr. Michael J. Mellon, also known as Mike has been the Chief Executive Officer and President of AMB Financial Corp., a subsidiary of American Savings, FSB., since December 8, 2007 and has been its Chairman ...


Management Age and Tenure

11.9yrs

Average Tenure

65.5yo

Average Age

The average tenure for the AMB Financial management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

6.9yrs

Average Tenure

56yo

Average Age

The tenure for the AMB Financial board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Robert Genader (72yo)

    Executive Officer

    • Tenure: 0.0yrs
  • Denise Knapp (71yo)

    Corporate Secretary & Director

    • Tenure: 1.9yrs
  • Mike Mellon (49yo)

    Chairman

    • Tenure: 11.7yrs
    • Compensation: US$157.89k
  • Steve Bohn (60yo)

    VP & CFO

    • Tenure: 11.9yrs
    • Compensation: US$101.67k

Board Members

  • Louis Green (76yo)

    Director

    • Tenure: 11.5yrs
    • Compensation: US$144.20k
  • Denise Knapp (71yo)

    Corporate Secretary & Director

    • Tenure: 1.9yrs
  • Donald Harle (80yo)

    Director

    • Tenure: 23.7yrs
    • Compensation: US$14.65k
  • Mike Mellon (49yo)

    Chairman

    • Tenure: 11.7yrs
    • Compensation: US$157.89k
  • Thomas Corsiglia (56yo)

    Director

    • Tenure: 12.5yrs
    • Compensation: US$12.47k
  • Michael Purcell (54yo)

    Director

    • Tenure: 6.9yrs
  • Kenneth Reed (51yo)

    Director

    • Tenure: 2.5yrs

Company Information

AMB Financial Corp.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: AMB Financial Corp.
  • Ticker: AMFC
  • Exchange: OTCPK
  • Founded: 1910
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$16.604m
  • Shares outstanding: 968.16k
  • Website: https://www.acbanker.com

Location

  • AMB Financial Corp.
  • 7880 Wicker Avenue
  • Suite 101
  • St. John
  • Indiana
  • 46373
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
AMFCOTCPK (Pink Sheets LLC)YesCommon SharesUSUSDApr 1996

Biography

AMB Financial Corp. operates as the bank holding company for American Community Bank of Indiana that provides financial services to customers primarily located within northwest Indiana. It offers savings,  ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/18 23:30
End of Day Share Price2019/08/14 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.