AMB Financial Corp.

AMB Financial Corp.

AMFC
AMB Financial Corp.US flagOther OTC
34.55
USD
+0.05
- -
30.75MMarket Cap
AMB Financial Corp.
AMFC
(Other OTC)

Recent

price

34.55

P/E

ratio

- -

div

yld

- -

ROIC.AI

2000
2001
2002
2003
2004
2005
2006
2007
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
3.67
4.56
5.83
6.65
6.08
6.4
5.55
4.91
8.77
9.34
12.4
14.27
13.79
13.2
13.47
16.38
17.22
Revenue per Share
0.74
0.89
1.02
1.31
0.94
0.9
0.64
0.05
1.32
1.39
2.89
4
3.45
2.42
2.74
3.84
4.08
Basic EPS, GAAP
1.94
1.53
0.63
4.41
-0.18
1.51
2.14
0.09
1.43
1.87
4.06
5.33
4.11
2.23
2.91
4.7
6.23
Free Cash Flow per Basic Share
0.18
0.19
0.19
0.2
0.24
0.27
0.31
0.37
- -
- -
- -
- -
0.15
0.23
0.24
0.27
0.28
Dividend per Share
7.59
9
10.16
10
10.11
10.51
9.85
9.98
14.95
16.51
19.49
23.91
27.81
29.96
32.71
36.56
37.66
Book Value per Share
10.37
11.55
17.23
13.87
14.31
14.81
14.47
13.89
18.84
20.26
23.44
26.88
29.47
31.67
34.23
38.44
39.49
Tangible Book Value per Share
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
Basic Weighted Avg Shares
4
5
6
6
6
6
6
5
9
9
12
13
13
12
12
15
15
Sales/Revenue/Turnover
24.26
24.33
24.14
29.21
21.61
19.67
13.64
-0.21
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
1
1
1
Depreciation Expense
1
1
1
1
1
1
1
- -
1
1
3
4
3
2
2
3
4
Net Income, GAAP
16.37
19.88
27.3
32.57
28.43
28.56
15.52
- -
24.3
23.43
23.85
25.15
23.62
24.85
25.08
24.44
24.58
Effective Tax Rate (%)
20.28
19.49
17.55
19.69
15.47
14.05
11.53
1.02
15.07
14.87
23.3
28.01
24.99
18.33
20.33
23.47
23.69
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
31
24
20
20
25
26
40
39
13
13
13
8
3
20
3
3
3
LT Debt
11
12
17
13
13
14
15
13
19
20
23
25
27
29
31
34
35
Total Equity
2.03
2.23
2.68
3.24
2.42
2.19
1.37
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
10.17
10.27
10.5
12.47
9.52
8.81
6.48
0.49
10.67
8.78
16.01
18.24
13.17
8.3
8.71
11.05
11.41
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1
1
1
Market Capitalization
24
27
30

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
57
32
24
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
9.76%
8.62%
11.33%
Free Cash Flow
168.94%
9.24%
59.95%
Net Income, GAAP
261.55%
7.95%
39.14%
Sales/Revenue/Turnover
11.76%
4.51%
20.56%
Total Cash Common Dividend
- -
- -
11.06%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
3
3
3
3
12
2025
3
4
4
4
15
2026
4
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.57
0.63
0.6
- -
2.74
2025
0.93
0.79
1.08
- -
3.84
2026
1.16
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.06
0.06
0.06
- -
0.24
2025
0.06
0.07
0.07
- -
0.27
2026
0.07
- -
- -
- -
- -
Business
AMB Financial Corp. (AMFC) is the bank holding company for American Community Bank of Indiana, a state-chartered commercial bank that provides a full range of personal and business banking services to customers primarily in northwest Indiana; the company attracts deposits from the general public and uses those funds to originate residential and commercial mortgage loans, as well as other consumer and commercial loans. Core deposit products include checking accounts, savings accounts, certificates of deposit, individual retirement accounts, and health savings accounts; loan offerings comprise residential mortgage, commercial mortgage, home equity, construction and lots, community facility, vehicle, commercial and real estate, SBA, and consumer loans; additional services feature credit and debit cards, treasury management including merchant services, remote deposit capture, wire transfers, fraud protection, ACH origination, sweep services, zero balance accounts, lockbox services, vault services, and wealth management, alongside online and mobile banking, money orders, e-statements, mobile wallets, cashier's checks, and safe deposit boxes. Founded in 1910 and headquartered at 7880 Wicker Avenue, Saint John, Indiana, the company operates exclusively in the regional banking sector with a focus on community-based financial solutions. Recent developments include quarterly cash dividend declarations, such as the announcements on October 15, 2025, and December 17, 2024, alongside the release of quarterly financial reports through September 30, 2025, and an annual report for 2024 reflecting stable operations with total assets around $390 million.

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