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Stock AMB Financial Corp. AMFC

AMB Financial Corp. — Investlytic score 4/5 on the five criteria.

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80/ 100
Score Investlytic · 5 criteria

Analysis in progress…

Investlytic score: 4/5 criteria met. Data as of 04/11/2026.

  • ✅ Price trend passed
  • ✅ Growth passed
  • ✅ Debt passed
  • ✅ P/E passed
  • ❌ Correction failed

Price trend

Overall trend (8 years): the price has been multiplied by at least 1.5.

Price change 2018 → 2019: -5.56%

Price change 2019 → 2020: -5.88%

Price change 2020 → 2021: 56.25%

Price change 2021 → 2022: -16.00%

Price change 2022 → 2023: -12.81%

Price change 2023 → 2024: 10.60%

Price change 2024 → 2025: 50.12%

Price change 2025 → 2026: 38.16%

Price change 2026 (year to date): 38.16%

Financial growth

Revenue CAGR (8 years): 11.89%

Earnings CAGR (8 years): 14.83%

Growth status: positive trend (>1%/yr) in revenue and earnings.

Debt

Debt-to-equity ratio: 0.09

Debt/equity < 0.5 (maximum threshold).

P/E (Price/Earnings)

P/E ratio: 9.89

P/E < 25.0 (maximum threshold).

Correction (6 months)

Current correction: 0.00% from the high over 6 months.

Insufficient correction (< 10.0%).

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Criteria of the Investlytic model

- / 5
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Score out of 100, model verdict (buy, watch, sell) and details of the 5 criteria · visible with a free account.

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Price trend

Price & trend

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⚖️ Comparison with the market

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StockP/EDette/FPRevenue growthRating
AMB Financial Corp.9.90.09+6.1 %🔒
Crypto Blockchain Industries–27.88+31.0 %–
Casa Inc.–0.09+6.0 %–
Audacia S.A.89.00.07+3.5 %–
Banque nationale de Belgique S.A.–12.64+10.1 %–

Data from the Investlytic screener. The rating of the stock being viewed is reserved for members.

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Detailed analysis · Price trend

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Global model trend and annual price variations · visible with a free account.

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Revenues & profits

Revenue and net income

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Chart of revenues and net income over 8 periods · real data, no estimates.

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Financial indicators

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18 financial indicators analyzed by groups of criteria: valuation, profitability, growth, solidity, dividend, and momentum.

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Annual financial statements

Fiscal yearRevenueNet income Net marginEPSRevenue growth
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Complete annual financial statements: revenue, net income, margin, and EPS over 8 fiscal years.

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Key reported figures

Revenue, net income and net margin reported by AMB Financial Corp. over the latest fiscal years.

Revenue
23.4 m USD
fiscal year 2025
Net income
3.4 m USD
fiscal year 2025
Net margin
14.6 %
fiscal year 2025
Average annual growth
+10.8 %
Revenue growth over 5 years
Average annual growth
+11.4 %
Revenue growth over 10 years
Market cap
38.1 m USD
Fiscal yearRevenueNet incomeNet marginRevenue growth
202014.0 m2.8 m20.0 %n/a
202114.8 m3.8 m25.6 %+5.7 %
202214.6 m3.2 m21.8 %-1.3 %
202319.0 m2.2 m11.5 %+30.0 %
202421.8 m2.5 m11.3 %+14.8 %
202523.4 m3.4 m14.6 %+7.3 %

Amounts converted to USD. Source: published annual accounts, collected on 06/11/2026.

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Accounts and financial health

Balance sheet and cash flow published by AMB Financial Corp. over the last fiscal years, strength scores and valuation by discounted cash flow (DCF).

Overview
solid accounts
according to Altman Z, Piotroski and net debt
Altman Z-score
n/a
not applicable to banks and insurance
Piotroski Score
4 / 9
4 to 6: average accounts
DCF Value
32.56 USD
DCF below share price · share price 42.00 USD, gap -22.5 %
Net Debt / EBITDA
0.17 x
low debt
Fiscal year20212022202320242025
Cash and investments45.8 m28.1 m23.0 m56.5 m2.6 m
Total Debt8.1 m3.1 m20.1 m3.1 m3.1 m
Net Debt-37.7 m-25.0 m-2.9 m-53.4 m445,000
Equity25.4 m27.2 m28.7 m30.7 m34.2 m
Total assets288 m325 m352 m373 m382 m
Operating cash flow5.4 m4.4 m2.4 m2.6 m4.2 m
Investments (capex)397,451634,798367,658217,000352,000
Free cash-flow5.0 m3.8 m2.0 m2.4 m3.8 m
Share buybacks947,857223,771336,750190,000152,000
Dividends paid0140,150209,807217,000241,000

Amounts in USD, currency of the published accounts.

Trailing 12-month ratios

Price / earnings (P/E)9.91 x
Price / book value1.04 x
Return on Equity (ROE)10.7 %
Return on Invested Capital (ROIC)0.9 %
Net margin15.5 %
Debt / equity0.08 x
Current ratio0.00 x
Interest coverage0.66 x
Free cash-flow yield5.8 %

Altman Z: default risk estimated from the balance sheet and earnings. Piotroski: 9 tests on profitability, debt and efficiency. DCF: estimated value from discounted future cash flows, a model and not a forecast. Source: annual accounts published by the company, data as of 09/11/2026.

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Valuation and competitors

AMB Financial Corp. compared with its sector on the same exchange and with its main competitors.

Company P/E
9.9

Direct competitors

CompanyMarket cap (USD)P/ENet margin
AMB Financial Corp.38.1 m9.914.6 %
CITBA Financial Corporation CBAF69.9 m11.118.2 %
Community Bankers' Corporation CTYP24.4 m9.711.6 %
First Bancorp of Indiana, Inc. FBPI24.8 m13.65.3 %
SB Financial Group, Inc. SBFG193 m11.515.3 %
Logansport Financial Corp. LOGN22.9 m11.211.4 %
Finward Bancorp FNWD188 m18.98.0 %
Crystal Valley Financial Corporation CYVF101 m9.020.8 %
Huron Valley Bancorp, Inc. HVLM49.0 m17.018.4 %

Trailing 12-month P/E. Sector: median of companies in the same sector listed on the same exchange, collected on 06/11/2026. Competitors: comparable companies named by the data provider.

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Dividends and earnings

AMB Financial Corp.: dividend history, last distributions, stock splits and earnings releases.

Frequency
quarterly
Last dividend
0.0700 USD
ex-dividend on 01/12/2026
Last 12 months
0.280 USD
number of payments: 4
Yield
0.9 %
on the last known price
Years of increases
4
consecutive
Years of payments
4
uninterrupted

● Next ex-dividend date: 01/12/2026, 0.0700 USD per share.

00.090.170.260.352007 : 0.346 USD2008 : 0.267 USD20082009 : 0.0000 USD2010 : 0.0000 USD20102011 : 0.0000 USD2012 : 0.0000 USD20122013 : 0.0989 USD2014 : 0.0000 USD20142015 : 0.0989 USD2016 : 0.150 USD20162017 : 0.150 USD2018 : 0.0000 USD20182019 : 0.0000 USD2020 : 0.0000 USD20202021 : 0.0000 USD2022 : 0.150 USD20222023 : 0.230 USD2024 : 0.240 USD20242025 : 0.270 USD2026 : 0.280 USD2026

Annual dividend per share (USD), adjusted for splits. Light bar: current year, incomplete. Red bar: lower than the previous year.

Latest ex-dividend dates

Ex-dividendAmountPayment
01/12/20260.0700 USD15/12/2026
01/09/20260.0700 USD15/09/2026
01/06/20260.0700 USD15/06/2026
02/03/20260.0700 USD16/03/2026
01/12/20250.0700 USD15/12/2025
02/09/20250.0700 USD15/09/2025
02/06/20250.0700 USD16/06/2025
03/03/20250.0600 USD17/03/2025

Stock splits

DateOperation
09/06/2016split: 1,011 shares for 1,000
30/05/2003split: 5 shares for 4
03/07/2000split: 3 shares for 2

Factual data: ex-dividend history and earnings calendar, as of 05/11/2026. A past dividend does not guarantee the next one.

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Who owns the stock

Free float, institutional investors, large funds, executives and elected officials: declared positions in AMB Financial Corp.

Free float
99.6 %
share of freely traded shares

Sources: 13F filings (quarter shown), executives' Form 4 filings and US Congress members' disclosures, collected on 31/10/2026. Detailed disclosure obligations mainly apply to companies listed in the United States.

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PEA and practical information

PEA eligibility
no
head office outside the EU and EEA
Listing exchange
OTC (hors cote)
IPO: 01/04/1996
ISIN code
US0019841032
Workforce
37
full-time employees
Chief executive
Michael J. Mellon

Rule applied: the French PEA accepts shares of companies headquartered in the European Union or the European Economic Area and subject to corporate income tax; ADRs and tax-exempt property companies (SIIC) are excluded. The institution holding the PEA confirms eligibility.

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Frequently asked questions about AMB Financial Corp.

What is the AMB Financial Corp. share price?

Latest recorded price: 42.00 USD on 06/11/2026, for a market cap of 38.1 m USD.

What is the revenue of AMB Financial Corp.?

23.4 m USD for fiscal year 2025, with net income of 3.4 m USD (net margin 14.6 %).

Does AMB Financial Corp. pay a dividend?

Yes. Latest dividend: 0.0700 USD per share, ex-dividend on 01/12/2026. Over 12 months: 0.280 USD. Yield on the latest known price: 0.9 %.

What is the P/E ratio of AMB Financial Corp.?

Trailing 12-month P/E of 9.9.

Is AMB Financial Corp. stock eligible for the French PEA?

No: the company is headquartered outside the European Union and the European Economic Area (ISIN US0019841032).

How many employees does AMB Financial Corp. have?

37 full-time employees according to the latest published profile.

Who runs AMB Financial Corp.?

Michael J. Mellon is the company's chief executive.

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