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AMB Financial OTCPK:AMFC Stock Report

Last Price


Market Cap







03 Jul, 2022


Company Financials
AMFC fundamental analysis
Snowflake Score
Future Growth0/6
Past Performance2/6
Financial Health6/6

AMFC Stock Overview

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.

AMB Financial Competitors

Price History & Performance

Summary of all time highs, changes and price drops for AMB Financial
Historical stock prices
Current Share PriceUS$22.05
52 Week HighUS$35.00
52 Week LowUS$20.00
1 Month Change-0.18%
3 Month Change-15.19%
1 Year Changen/a
3 Year Change32.59%
5 Year Change29.33%
Change since IPO215.00%

Recent News & Updates

Shareholder Returns

AMFCUS BanksUS Market

Return vs Industry: Insufficient data to determine how AMFC performed against the US Banks industry.

Return vs Market: Insufficient data to determine how AMFC performed against the US Market.

Price Volatility

Is AMFC's price volatile compared to industry and market?
AMFC volatility
AMFC Average Weekly Movementn/a
Banks Industry Average Movement3.8%
Market Average Movement8.1%
10% most volatile stocks in US Market16.8%
10% least volatile stocks in US Market3.3%

Stable Share Price: Insufficient data to determine AMFC's volatility over the past 3 months.

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

About the Company

1910n/aMike Mellon

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 accepts savings, checking, individual retirement, and money market deposit accounts; and certificates of deposit. The company also offers mortgage loans; construction loans; lot loans; home equity line of credit and loans; and vehicle loans for motorcycles, wave runners, snowmobiles, motor homes, campers/travel trailers, and boats and boat trailers.

AMB Financial Fundamentals Summary

How do AMB Financial's earnings and revenue compare to its market cap?
AMFC fundamental statistics
Market CapUS$20.31m
Earnings (TTM)US$3.41m
Revenue (TTM)US$12.98m


P/E Ratio


P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
AMFC income statement (TTM)
Cost of RevenueUS$0
Gross ProfitUS$12.98m
Other ExpensesUS$9.57m

Last Reported Earnings

Mar 31, 2022

Next Earnings Date


Earnings per share (EPS)3.70
Gross Margin100.00%
Net Profit Margin26.28%
Debt/Equity Ratio31.6%

How did AMFC perform over the long term?

See historical performance and comparison



Current Dividend Yield


Payout Ratio
We’ve recently updated our valuation analysis.


Is AMFC undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score


Valuation Score 4/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • PEG Ratio

Key Valuation Metric

Which metric is best to use when looking at relative valuation for AMFC?

Other financial metrics that can be useful for relative valuation.

AMFC key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ration/a

Price to Earnings Ratio vs Peers

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

AMFC PE Ratio vs Peers
The above table shows the PE ratio for AMFC vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average11.7x
SSBP SSB Bancorp
FSWA First Sound Bank
TDCB Third Century Bancorp
CDAB Coeur d'Alene Bancorp
AMFC AMB Financial

Price-To-Earnings vs Peers: AMFC is good value based on its Price-To-Earnings Ratio (6x) compared to the peer average (11.7x).

Price to Earnings Ratio vs Industry

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

Price-To-Earnings vs Industry: AMFC is good value based on its Price-To-Earnings Ratio (6x) compared to the US Banks industry average (9.5x)

Price to Earnings Ratio vs Fair Ratio

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.

AMFC PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio6x
Fair PE Ration/a

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

Share Price vs Fair Value

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

Below Fair Value: AMFC ($22.05) is trading below our estimate of fair value ($41.64)

Significantly Below Fair Value: AMFC is trading below fair value by more than 20%.

Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate AMFC's PEG Ratio to determine if it is good value.

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Future Growth

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

Future Growth Score


Future Growth Score 0/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


Forecasted Banks industry annual growth in earnings

In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as AMB Financial has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.

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  • Examine whether AMB Financial is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access AMB Financial's filings and announcements here.

Past Performance

How has AMB Financial performed over the past 5 years?

Past Performance Score


Past Performance Score 2/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: AMFC has high quality earnings.

Growing Profit Margin: AMFC's current net profit margins (26.3%) are lower than last year (27.6%).

Past Earnings Growth Analysis

Earnings Trend: AMFC's earnings have grown significantly by 29.8% per year over the past 5 years.

Accelerating Growth: AMFC's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: AMFC had negative earnings growth (-1%) over the past year, making it difficult to compare to the Banks industry average (20.8%).

Return on Equity

High ROE: AMFC's Return on Equity (13.3%) is considered low.

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Financial Health

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

Financial Health Score


Financial Health Score 6/6

  • Asset Level

  • Allowance for Bad Loans

  • Low Risk Liabilities

  • Loan Level

  • Low Risk Deposits

  • Level of Bad Loans

Financial Position Analysis

Debt to Equity History and Analysis

Balance Sheet

Financial Institutions Analysis

Asset Level: AMFC's Assets to Equity ratio (12.1x) is moderate.

Allowance for Bad Loans: AMFC has a sufficient allowance for bad loans (601%).

Low Risk Liabilities: 96% of AMFC's liabilities are made up of primarily low risk sources of funding.

Loan Level: AMFC has an appropriate level of Loans to Assets ratio (68%).

Low Risk Deposits: AMFC's Loans to Deposits ratio (77%) is appropriate.

Level of Bad Loans: AMFC has an appropriate level of bad loans (0.2%).

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

Dividend Score


Dividend Score 0/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: AMFC's dividend (0.91%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.6%).

High Dividend: AMFC's dividend (0.91%) is low compared to the top 25% of dividend payers in the US market (4.25%).

Stability and Growth of Payments

Stable Dividend: AMFC has been paying a dividend for less than 10 years and during this time payments have been volatile.

Growing Dividend: AMFC's dividend payments have increased, but the company has only paid a dividend for 6 years.

Current Payout to Shareholders

Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.

Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years or that it will be covered by earnings.

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How experienced are the management team and are they aligned to shareholders interests?


Average management tenure


Mike Mellon (52 yo)





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 Chairma...

Leadership Team

Experienced Management: AMFC's management team is seasoned and experienced (14.8 years average tenure).

Board Members

Experienced Board: AMFC's board of directors are considered experienced (9.8 years average tenure).


Who are the major shareholders and have insiders been buying or selling?

Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.

Top Shareholders

Company Information

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

Key Information

  • Name: AMB Financial Corp.
  • Ticker: AMFC
  • Exchange: OTCPK
  • Founded: 1910
  • Industry: Regional Banks
  • Sector: Banks
  • Implied Market Cap: US$20.313m
  • Shares outstanding: 921.24k
  • Website:


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


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/07/03 00:00
End of Day Share Price2022/06/24 00:00
Annual Earnings2021/12/31

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.