OTC · Banks - Regional

AMB Financial Corp. (AMFC) Stock

$34.55 +0.14% OTC: AMFC Financial Services

AMB Financial Corp. serves as the holding company for American Community Bank of Indiana, delivering financial solutions mainly to clients located throughout northwest Indiana.

Valuation

MetricValue
Price$34.55
Market Cap$30.75M
P/E Ratio8.47
P/B Ratio0.88
P/S Ratio1.30
EPS (TTM)$4.08
52-Week High$34.55
52-Week Low$22.50
Dividend Yield0.81%

Financials & Margins

MetricValue
ROE10.76%
ROA0.96%
ROCE1.28%
Gross Margin62.62%
Operating Margin20.37%
Net Margin15.36%
Debt/Equity0.09
Current Ratio0.00

Annual Financials (USD)

Metric20212022202320242025
Revenue$15.0M$15.0M$19.0M$22.0M$23.0M
Operating Profit$5.0M$4.0M$3.0M$3.0M$5.0M
Net Profit$4.0M$3.0M$2.0M$2.0M$3.0M
EPS$3.97$3.42$2.41$2.73$3.82
Op Margin34.2%28.5%15.4%15.1%19.4%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$288.0M$325.0M$352.0M$373.0M$382.0M
Total Liabilities$263.0M$298.0M$324.0M$342.0M$348.0M
Cash$46.0M$28.0M$23.0M$57.0M$3.0M
Borrowings$8.0M$3.0M$20.0M$3.0M$3.0M

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$5.0M$4.0M$2.0M$3.0M$4.0M
Investing Cash Flow$-30.0M$-58.0M$-33.0M$12.0M$-34.0M
Financing Cash Flow$27.0M$40.0M$8.0M$35.0M$5.0M
Net Cash Flow$-2.0M$-18.0M$-5.0M$33.0M$-25.0M
Free Cash Flow$5.0M$4.0M$2.0M$2.0M$4.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.27
EV / EBITDA
FCF Yield
Quick Ratio
Interest Coverage
Return 1Y50.98%
Return 3Y88.18%
Return 5Y

Ownership

Insiders Held0.00%
Institutions Held0.00%
Institutions Float Held0.00%
Institutional HolderSharesReport Date
Banc Funds Company, L.L.C. (The)3,9022024-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
BKUTKBank of Utica $630.51 +0.00% 4.85 $157.87M 3.09%
CNBZCNB Corporation $28.49 +0.00% 8.74 $34.49M 3.51%
EFSGEnterprise Financial Services Group, Inc. $32.00 +0.00% 9.52 $37.25M 1.78%
ELMAElmer Bancorp, Inc. $27.00 +2.86% 10.98 $31.09M 1.48%
FBPAThe Farmers Bank of Appomattox $30.18 +0.00% 9.96 $32.72M 4.31%

About AMB Financial Corp.

AMB Financial Corp. serves as the holding company for American Community Bank of Indiana, delivering financial solutions mainly to clients located throughout northwest Indiana. The institution provides a comprehensive suite of deposit options, including savings, checking, individual retirement accounts (IRAs), money market accounts, and certificates of deposit. Its diverse lending portfolio features mortgages, construction financing, and loans for lot purchases. Additionally, it offers home equity lines of credit and loans, along with various vehicle loans covering motorcycles, wave runners, snowmobiles, motor homes, campers/travel trailers, and both boats and their trailers. Beyond traditional banking, AMB Financial Corp. extends specialized services such as merchant services, remote deposit capture, receivables financing, and ACH banking for businesses. For individual customers, it offers contemporary digital banking options like online, mobile, voice, and youth banking, alongside debit/ATM and credit cards. Further provisions include money orders, e-statements, cashier's checks, health savings accounts, and secure safe deposit boxes. The company also furnishes extensive financial planning services, encompassing investment, estate, business, and personal financial guidance. These products and services are accessible through its primary office in Indiana and four full-service branch locations situated in Munster, Dyer, Hammond, and Crown Point, all within Indiana. Founded in 1910, AMB Financial Corp. is headquartered in Saint John, Indiana.

AMB Financial Corp. is headquartered in US.

AMB Financial Corp. (AMFC) stock trades at $34.55 with a market capitalization of $30.75M. The stock is valued at a price-to-earnings (P/E) ratio of 8.47, price-to-book of 0.88, price-to-sales of 1.30. Over the past 52 weeks the stock has ranged between $22.50 and $34.55, and currently trades at its 52-week high. It pays a dividend yielding 0.81%.

On profitability, AMB Financial Corp. generates a return on equity (ROE) of 10.76%, return on capital employed of 1.28%, an operating margin of 20.37%, a net profit margin of 15.36%.

Official website: www.acbanker.com

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