AMB Financial Corp. Logo

AMB Financial Corp.

AMFC

(1.0)
Stock Price

18,95 USD

0.52% ROA

6.86% ROE

8.63x PER

Market Cap.

18.318.788,00 USD

10.55% DER

1.27% Yield

9.65% NPM

AMB Financial Corp. Stock Analysis

AMB Financial Corp. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

AMB Financial Corp. Fundamental Stock Analysis
# Analysis Rating
1 ROE

The stock's ROE falls within an average range (0.34%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

2 ROA

The stock's ROA (0.03%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

3 PBV

The stock's PBV ratio (1.3x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

4 Dividend Growth

The company's dividend growth has exhibited a remarkable upward trend over the past three years, consistently delivering higher payouts to shareholders.

5 DER

The stock is burdened with a heavy load of debt (291%), making it financially unstable and potentially risky for investors.

6 Revenue Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

7 Net Profit Growth

Despite the passage of five years, this company's net profit has not shown any improvement, highlighting a lack of growth and making it a less appealing investment prospect.

8 Assets Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

9 Graham Number

The Graham number calculation reveals that this company's stock price is potentially inflated, implying that it may not be a desirable investment option.

10 Dividend

The company has not distributed any dividends in the past three years, which may raise concerns for investors looking for regular income from their investments.

11 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is overpriced (-7.028), presenting a possible disadvantage for investors as its market price surpasses its estimated intrinsic value.

AMB Financial Corp. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

AMB Financial Corp. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Sell
4 Stoch RSI Sell

AMB Financial Corp. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

AMB Financial Corp. Revenue
Year Revenue Growth
1996 3.500.000
1997 4.465.829 21.63%
1998 3.338.243 -33.78%
1999 3.959.557 15.69%
2000 4.069.084 2.69%
2001 4.621.669 11.96%
2002 5.705.429 19%
2003 6.003.125 4.96%
2004 5.693.743 -5.43%
2005 6.118.294 6.94%
2006 5.624.730 -8.77%
2007 4.756.144 -18.26%
2008 3.336.740 -42.54%
2012 6.359.667 47.53%
2013 6.423.293 0.99%
2014 7.525.139 14.64%
2015 9.052.413 16.87%
2016 9.536.329 5.07%
2017 9.811.763 2.81%
2018 10.641.970 7.8%
2019 11.746.006 9.4%
2020 13.977.126 15.96%
2021 14.778.866 5.42%
2022 14.586.514 -1.32%
2023 18.968.686 23.1%
2024 21.432.000 11.49%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

AMB Financial Corp. Research and Development Expenses
Year Research and Development Expenses Growth
1996 0
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

AMB Financial Corp. General and Administrative Expenses
Year General and Administrative Expenses Growth
1996 1.100.000
1997 1.294.221 15.01%
1998 1.376.916 6.01%
1999 1.345.027 -2.37%
2000 1.410.794 4.66%
2001 1.554.040 9.22%
2002 1.799.088 13.62%
2003 1.959.331 8.18%
2004 2.184.709 10.32%
2005 2.348.057 6.96%
2006 2.327.335 -0.89%
2007 2.256.050 -3.16%
2008 2.197.040 -2.69%
2012 942.380 -133.14%
2013 987.654 4.58%
2014 1.071.677 7.84%
2015 833.654 -28.55%
2016 871.729 4.37%
2017 968.115 9.96%
2018 952.278 -1.66%
2019 935.472 -1.8%
2020 282.299 -231.38%
2021 284.186 0.66%
2022 317.028 10.36%
2023 266.503 -18.96%
2024 408.000 34.68%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

AMB Financial Corp. EBITDA
Year EBITDA Growth
1996 900.000
1997 2.058.927 56.29%
1998 712.868 -188.82%
1999 1.383.552 48.48%
2000 1.382.452 -0.08%
2001 1.510.873 8.5%
2002 1.641.257 7.94%
2003 2.057.249 20.22%
2004 1.576.183 -30.52%
2005 1.520.184 -3.68%
2006 984.635 -54.39%
2007 204.425 -381.66%
2008 -1.255.608 116.28%
2012 1.055.720 218.93%
2013 -323.973 425.87%
2014 -187.827 -72.48%
2015 -134.999 -39.13%
2016 -124.166 -8.72%
2017 -95.095 -30.57%
2018 -140.917 32.52%
2019 -95.459 -47.62%
2020 -146.857 35%
2021 -120.452 -21.92%
2022 -203.837 40.91%
2023 -245.786 17.07%
2024 -260.000 5.47%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

AMB Financial Corp. Gross Profit
Year Gross Profit Growth
1996 3.500.000
1997 4.465.829 21.63%
1998 3.338.243 -33.78%
1999 3.959.557 15.69%
2000 4.069.084 2.69%
2001 4.621.669 11.96%
2002 5.705.429 19%
2003 6.003.125 4.96%
2004 5.693.743 -5.43%
2005 6.118.294 6.94%
2006 5.624.730 -8.77%
2007 4.756.144 -18.26%
2008 3.336.740 -42.54%
2012 6.359.667 47.53%
2013 6.423.293 0.99%
2014 7.525.139 14.64%
2015 9.052.413 16.87%
2016 9.536.329 5.07%
2017 9.811.763 2.81%
2018 10.641.970 7.8%
2019 11.746.006 9.4%
2020 13.977.126 15.96%
2021 14.778.866 5.42%
2022 14.586.514 -1.32%
2023 18.968.686 23.1%
2024 21.432.000 11.49%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

AMB Financial Corp. Net Profit
Year Net Profit Growth
1996 400.000
1997 1.023.053 60.9%
1998 204.642 -399.92%
1999 696.841 70.63%
2000 825.384 15.57%
2001 900.891 8.38%
2002 1.001.331 10.03%
2003 1.182.255 15.3%
2004 880.634 -34.25%
2005 859.742 -2.43%
2006 648.268 -32.62%
2007 48.440 -1238.29%
2008 -849.216 105.7%
2012 615.285 238.02%
2013 647.685 5%
2014 999.084 35.17%
2015 1.329.425 24.85%
2016 1.563.728 14.98%
2017 1.079.291 -44.88%
2018 1.299.177 16.93%
2019 1.349.076 3.7%
2020 2.792.214 51.68%
2021 3.780.652 26.14%
2022 3.177.691 -18.97%
2023 2.189.370 -45.14%
2024 2.256.000 2.95%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

AMB Financial Corp. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1996 0
1997 0 0%
1998 0 0%
1999 1 0%
2000 1 0%
2001 1 0%
2002 1 100%
2003 1 0%
2004 1 0%
2005 1 0%
2006 1 0%
2007 0 0%
2008 -1 0%
2012 1 0%
2013 1 0%
2014 1 100%
2015 1 0%
2016 2 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 3 50%
2021 4 50%
2022 3 -33.33%
2023 2 -50%
2024 3 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

AMB Financial Corp. Free Cashflow
Year Free Cashflow Growth
1996 100.000
1997 -432.353 123.13%
1998 -122.059 -254.22%
1999 1.273.761 109.58%
2000 128.335 -892.53%
2001 1.432.243 91.04%
2002 184.684 -675.51%
2003 3.642.353 94.93%
2004 -280.928 1396.54%
2005 1.280.847 121.93%
2006 1.506.687 14.99%
2007 -3.469.939 143.42%
2008 326.126 1163.99%
2012 2.126.421 84.66%
2013 1.295.008 -64.2%
2014 1.658.300 21.91%
2015 1.606.658 -3.21%
2016 958.219 -67.67%
2017 471.096 -103.4%
2018 1.403.066 66.42%
2019 1.818.778 22.86%
2020 3.927.784 53.69%
2021 5.040.476 22.08%
2022 3.793.654 -32.87%
2023 2.016.306 -88.15%
2024 2.741.000 26.44%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

AMB Financial Corp. Operating Cashflow
Year Operating Cashflow Growth
1996 100.000
1997 -317.800 131.47%
1998 -602 -52690.7%
1999 1.368.789 100.04%
2000 2.149.245 36.31%
2001 1.556.384 -38.09%
2002 617.297 -152.13%
2003 3.954.772 84.39%
2004 -172.924 2387%
2005 1.444.577 111.97%
2006 2.172.041 33.49%
2007 85.379 -2444%
2008 906.330 90.58%
2012 2.500.747 63.76%
2013 1.869.549 -33.76%
2014 1.872.273 0.15%
2015 1.924.186 2.7%
2016 1.275.839 -50.82%
2017 2.093.179 39.05%
2018 1.605.179 -30.4%
2019 2.308.182 30.46%
2020 4.216.248 45.26%
2021 5.437.927 22.47%
2022 4.428.452 -22.8%
2023 2.383.964 -85.76%
2024 2.752.000 13.37%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

AMB Financial Corp. Capital Expenditure
Year Capital Expenditure Growth
1996 0
1997 114.553 100%
1998 121.457 5.68%
1999 95.028 -27.81%
2000 2.020.910 95.3%
2001 124.141 -1527.92%
2002 432.613 71.3%
2003 312.419 -38.47%
2004 108.004 -189.27%
2005 163.730 34.04%
2006 665.354 75.39%
2007 3.555.318 81.29%
2008 580.204 -512.77%
2012 374.326 -55%
2013 574.541 34.85%
2014 213.973 -168.51%
2015 317.528 32.61%
2016 317.620 0.03%
2017 1.622.083 80.42%
2018 202.113 -702.56%
2019 489.404 58.7%
2020 288.464 -69.66%
2021 397.451 27.42%
2022 634.798 37.39%
2023 367.658 -72.66%
2024 11.000 -3242.35%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

AMB Financial Corp. Equity
Year Equity Growth
1996 15.200.000
1997 14.770.283 -2.91%
1998 13.412.830 -10.12%
1999 11.539.269 -16.24%
2000 11.499.351 -0.35%
2001 11.717.440 1.86%
2002 16.845.820 30.44%
2003 12.519.609 -34.56%
2004 13.409.417 6.64%
2005 14.144.632 5.2%
2006 14.661.168 3.52%
2007 13.452.504 -8.98%
2008 13.119.229 -2.54%
2012 8.281.299 -58.42%
2013 16.434.087 49.61%
2014 17.483.461 6%
2015 18.671.163 6.36%
2016 16.211.306 -15.17%
2017 17.166.684 5.57%
2018 18.517.046 7.29%
2019 19.679.458 5.91%
2020 22.652.819 13.13%
2021 25.418.165 10.88%
2022 27.177.401 6.47%
2023 28.656.023 5.16%
2024 29.313.000 2.24%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

AMB Financial Corp. Assets
Year Assets Growth
1996 86.100.000
1997 99.795.780 13.72%
1998 116.912.922 14.64%
1999 127.785.870 8.51%
2000 135.698.844 5.83%
2001 141.648.249 4.2%
2002 149.671.535 5.36%
2003 145.964.797 -2.54%
2004 157.093.675 7.08%
2005 170.465.876 7.84%
2006 182.282.477 6.48%
2007 174.753.666 -4.31%
2008 181.783.555 3.87%
2012 179.883.782 -1.06%
2013 174.509.466 -3.08%
2014 185.044.410 5.69%
2015 190.378.408 2.8%
2016 205.602.357 7.4%
2017 210.613.298 2.38%
2018 227.189.780 7.3%
2019 229.350.888 0.94%
2020 263.209.908 12.86%
2021 288.933.221 8.9%
2022 325.888.483 11.34%
2023 353.505.201 7.81%
2024 379.055.000 6.74%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

AMB Financial Corp. Liabilities
Year Liabilities Growth
1996 70.900.000
1997 12.000.000 -490.83%
1998 103.500.092 88.41%
1999 116.246.601 10.97%
2000 124.199.493 6.4%
2001 129.930.809 4.41%
2002 132.825.715 2.18%
2003 133.445.188 0.46%
2004 24.574.905 -443.01%
2005 26.492.232 7.24%
2006 39.660.156 33.2%
2007 39.119.549 -1.38%
2008 37.919.611 -3.16%
2012 6.647.396 -470.44%
2013 158.075.379 95.79%
2014 5.816.995 -2617.47%
2015 171.707.245 96.61%
2016 189.391.051 9.34%
2017 193.446.614 2.1%
2018 208.672.734 7.3%
2019 209.671.430 0.48%
2020 240.557.090 12.84%
2021 263.515.056 8.71%
2022 298.711.082 11.78%
2023 324.849.178 8.05%
2024 349.742.000 7.12%

AMB Financial Corp. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
22.72
Net Income per Share
2.19
Price to Earning Ratio
8.63x
Price To Sales Ratio
0.9x
POCF Ratio
5.66
PFCF Ratio
6.84
Price to Book Ratio
0.58
EV to Sales
-1.99
EV Over EBITDA
157.85
EV to Operating CashFlow
-13.51
EV to FreeCashFlow
-15.12
Earnings Yield
0.12
FreeCashFlow Yield
0.15
Market Cap
0,02 Bil.
Enterprise Value
-0,04 Bil.
Graham Number
40.16
Graham NetNet
-355.01

Income Statement Metrics

Net Income per Share
2.19
Income Quality
1.52
ROE
0.07
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.75
EBT Per Ebit
0.91
Ebit per Revenue
0.14
Effective Tax Rate
0.25

Margins

Sales, General, & Administrative to Revenue
0.02
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.14
Pretax Profit Margin
0.13
Net Profit Margin
0.1

Dividends

Dividend Yield
0.01
Dividend Yield %
1.27
Payout Ratio
0.11
Dividend Per Share
0.24

Operating Metrics

Operating Cashflow per Share
3.34
Free CashFlow per Share
2.99
Capex to Operating CashFlow
0.11
Capex to Revenue
0.02
Capex to Depreciation
0.63
Return on Invested Capital
0.07
Return on Tangible Assets
0.01
Days Sales Outstanding
26.56
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
13.74
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.36

Balance Sheet

Cash per Share
69,05
Book Value per Share
32,68
Tangible Book Value per Share
32.68
Shareholders Equity per Share
32.68
Interest Debt per Share
13.2
Debt to Equity
0.11
Debt to Assets
0.01
Net Debt to EBITDA
229.22
Current Ratio
0
Tangible Asset Value
0,03 Bil.
Net Current Asset Value
-0,29 Bil.
Invested Capital
72727000
Working Capital
0,06 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
-43439000
Debt to Market Cap
0.17

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

AMB Financial Corp. Dividends
Year Dividends Growth
1996 0
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2013 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

AMB Financial Corp. Profile

About AMB Financial Corp.

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. In addition, it provides merchant, remote deposit, receivables financing, and ACH banking services; online, mobile, voice, and youth banking services; investment, estate, business, and personal financial planning services; debit/ATM and credit cards; money order and e-statement services; cashier's checks; health savings account; and safe deposit boxes. The company provides its products and services through its main office in Indiana, as well as through its four full-service banking offices located in Munster, Dyer, Hammond, and Crown Point, Indiana. AMB Financial Corp. was founded in 1910 and is headquartered in Saint John, Indiana.

CEO
Mr. Michael J. Mellon
Employee
37
Address
7880 Wicker Avenue
Saint John, 46373

AMB Financial Corp. Executives & BODs

AMB Financial Corp. Executives & BODs
# Name Age
1 Mr. Michael J. Mellon
Chairman, President & Chief Executive Officer
70
2 Joshua Van Kleek
SVice President & Chief Financial Officer
70
3 Ms. Denise L. Knapp
Corporate Secretary & Director
70
4 Mr. Todd C. Williams
Senior Vice President
70
5 Ms. Ginger Watts
Senior Vice President
70
6 Mr. Mohammad Saleem
Senior Vice President
70
7 Mr. Brian D. Specht
Senior Vice President
70

AMB Financial Corp. Competitors