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AMB Financial Corp. (AMFC)

USD34.50 +0.00 (+0.00%)
US OTC Financial Services Banks - Regional
Address 7880 Wicker Avenue 46373
Saint John, IN, US
CEO Michael J. Mellon
IPO 1996-04-01
ISIN US0019841032

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Description

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.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD34.50 +0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
570
Beta
0.15
Float Shares
963.8K
Free Float %
108.3%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% -0.09% +0.80% +1.83% +14.59% +11.58% +53.07% +59.62% +83.35% +166.88% +505.71%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

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By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
34.50
DCF (Unlevered) 27.72 -19.6%
DCF (Levered) 32.96 -4.5%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM)
Rating 2024-11 Change
Strong Buy 0 0
Buy 0 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.30
Distress
Piotroski F-Score
6 / 9
Average
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
4 / 5
High
ROE Score
3 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
3 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
  • Revenue growth
    +7.3% Q1'26: +4.6% (vs Q1'25)
  • EPS growth
    +39.9% Q1'26: +26.1% (vs Q1'25)
  • FCF margin
    Q1'26: +27.9% (vs Q1'25)
  • EBIT margin
    Q1'26: +24.0% (vs Q1'25)
  • ROIC
    Q1'26: +11.7% (vs Q1'25)
  • Share dilution
    -0.5% Q1'26: -0.1% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 0.51× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.15) × ERP
WACC = 91% × Ke + 9% × Kd (284.3%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 27.72 Current price: 34.50
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-27 B+ 3/5 4/5 3/5 3/5 3/5 3/5 3/5
2026-05-26 B+ 3/5 4/5 3/5 3/5 3/5 3/5 3/5
2026-05-19 B+ 3/5 4/5 3/5 3/5 3/5 3/5 3/5
2026-05-14 B+ 3/5 4/5 3/5 3/5 3/5 3/5 3/5
2026-05-05 A- 4/5 3/5 3/5 4/5 3/5 4/5 3/5
2026-05-01 A- 4/5 3/5 3/5 4/5 3/5 4/5 3/5
2026-04-28 A- 4/5 4/5 3/5 4/5 3/5 4/5 3/5
2026-04-23 A- 4/5 4/5 3/5 4/5 2/5 4/5 4/5
2026-04-22 A- 4/5 4/5 3/5 4/5 2/5 4/5 4/5
2026-04-17 A 4/5 4/5 4/5 4/5 2/5 4/5 4/5
2026-04-16 A 4/5 4/5 4/5 4/5 2/5 4/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
6.06M
OE per share TTM
6.79
Owner's Yield
20.09%
Maintenance CapEx ratio
13.27%
Maint CapEx / Avg PPE
55.0%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
122.3K
Shares Outstanding
890.0K

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Michael J. Mellon Chairman, President & Chief Executive Officer 154.5K male
Joshua Van Kleek Senior Vice President & Chief Financial Officer 101.7K male
Ginger Watts Senior Vice President female
Brian D. Specht Senior Vice President male
Denise L. Knapp Corporate Secretary & Director female
Mohammad Saleem Senior Vice President male
Todd C. Williams Senior Vice President male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits