AMB Financial (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	4/6
Financial Health	5/6
Dividends	1/6

Rewards

Trading at 29% below our estimate of its fair value

Earnings grew by 61.7% over the past year

Risk Analysis

Earnings have declined by 5.7% per year over past 5 years

Does not have a meaningful market cap ($27M)

AMFC Community Fair Values

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AMB Financial Corp. Competitors

Price History & Performance

Summary of share price highs, lows and changes for AMB Financial
Historical stock prices
Current Share Price	US$30.60
52 Week High	US$30.60
52 Week Low	US$20.00
Beta	0.16
1 Month Change	2.34%
3 Month Change	8.28%
1 Year Change	51.11%
3 Year Change	45.37%
5 Year Change	88.31%
Change since IPO	337.14%

Recent updates

Shareholder Returns

	AMFC	US Banks	US Market
7D	0.3%	-2.3%	0.9%
1Y	51.1%	25.8%	19.8%

Return vs Industry: AMFC exceeded the US Banks industry which returned 25.8% over the past year.

Return vs Market: AMFC exceeded the US Market which returned 19.8% over the past year.

Price Volatility

Is AMFC's price volatile compared to industry and market?
AMFC volatility
AMFC Average Weekly Movement	1.9%
Banks Industry Average Movement	3.8%
Market Average Movement	6.5%
10% most volatile stocks in US Market	16.6%
10% least volatile stocks in US Market	3.0%

Stable Share Price: AMFC has not had significant price volatility in 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 offers checking, savings, individual retirement, and health savings accounts; certificates of deposit; residential and commercial mortgage, home equity, construction and lots, community, vehicle, commercial and real estate, SBA, and consumer loans; and credit and debit cards. It also provides treasury management services comprising merchant, remote deposit, wire services, fraud protection, and ACH origination; sweep services, zero balance accounts, lockbox services, vault services, and wealth management services; online and mobile banking services; money order and e-statement services; mobile wallets; cashier’s checks; and safe deposit boxes.

AMB Financial Corp. Fundamentals Summary

How do AMB Financial's earnings and revenue compare to its market cap?
AMFC fundamental statistics
Market cap	US$27.23m
Earnings (TTM)	US$3.33m
Revenue (TTM)	US$13.83m

8.2x

P/E Ratio

0.8x

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$13.83m
Cost of Revenue	US$0
Gross Profit	US$13.83m
Other Expenses	US$10.50m
Earnings	US$3.33m

Last Reported Earnings

Sep 30, 2025

Next Earnings Date

n/a

Earnings per share (EPS)	3.74
Gross Margin	100.00%
Net Profit Margin	24.07%
Debt/Equity Ratio	9.3%

How did AMFC perform over the long term?

See historical performance and comparison

Dividends

0.9%

Current Dividend Yield

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2026/01/13 22:19
End of Day Share Price	2026/01/08 00:00
Earnings	2025/09/30
Annual Earnings	2024/12/31

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.

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 Github.

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.

AMB Financial Corp.OTCPK:AMFC Stock Report