AMB Financial (AMFC) Stock Price

AMB Financial Price

OTC·CLOSED
34.50USD+0.00 (+0.00 %)
Market closed

Revenue has compounded at 3.6% per year over the past 19 years to 12.09 M USD. Earnings per share have grown at 6.3% per year over the last 19 years. AMB Financial's net margin stands at 20.3%, down from 23.3% several years earlier. AMB Financial currently offers a dividend yield of about 0.70%. The payout ratio is around 9% of earnings. The stock trades about 50% above its 52-week low.

AMB Financial stock price

Volume
Ex-Dividend
Details

Stock Price

How to Read This Chart

This chart tracks the historical stock price of AMB Financial over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how AMB Financial stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing AMB Financial's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

AMB Financial Stock Price History
DateAMB Financial Price
7/16/202634.50 USD
7/15/202634.50 USD
7/14/202634.50 USD
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6/5/202633.90 USD
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5/29/202633.92 USD
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5/22/202633.80 USD
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8/5/202523.31 USD
8/4/202523.83 USD
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7/31/202523.83 USD
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7/28/202523.10 USD
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7/21/202523.10 USD
Access this data via the Eulerpool API

AMB Financial Revenue, Pre-Provision Profit, Net Income

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  • 5 Years

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  • 25 Years

  • Max

Revenue
Pre-Provision Profit
Net Income
Details
Date
Revenue
Pre-Provision Profit
Net Income
Jan 1, 2017
8.51 M USD
2.07 M USD
1.08 M USD
Jan 1, 2018
8.62 M USD
1.85 M USD
1.30 M USD
Jan 1, 2019
9.08 M USD
1.99 M USD
1.35 M USD
Jan 1, 2020
11.98 M USD
4.20 M USD
2.79 M USD
Jan 1, 2021
13.50 M USD
5.06 M USD
3.78 M USD
Jan 1, 2022
12.71 M USD
4.15 M USD
3.18 M USD
Jan 1, 2023
11.95 M USD
3.19 M USD
2.19 M USD
Jan 1, 2024
12.09 M USD
3.03 M USD
2.46 M USD

AMB Financial Income Statement, Balance Sheet, Cash Flow Statement

Last updated Jul 19, 2026, 10:45 PM
 
REVENUEM USD
REVENUE GROWTH%
Net Interest IncomeM USD
Non-Interest IncomeM USD
Loan Loss ProvisionsM USD
Pre-Provision Profit (PPOP)M USD
NET INCOMEM USD
NET INCOME GROWTH%
DIV.USD
DIV. GROWTH%
SHARESM
2009201020112012201320142015201620172018201920202021202220232024
9.009.009.009.008.008.009.009.009.0010.0011.0013.0014.0014.0018.0021.00
-10.00-11.1112.5011.1110.0018.187.6928.5716.67
3.994.955.375.235.326.086.426.426.606.946.897.829.3610.519.8310.22
0.801.301.762.251.711.561.662.041.911.682.194.164.142.202.111.87
2.430.630.940.850.610.120.120.180.130.140.220.540.01-0.010.27-0.25
-0.341.201.752.081.471.762.242.642.071.851.994.205.064.153.193.03
-1.001.001.001.001.001.001.002.003.003.002.002.00
100.0050.00-33.33
0.600.200.230.24
15.004.35
0.980.980.980.980.980.980.980.980.980.990.980.970.950.930.910.90
Details

Income Statement Key Figures

Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales AMB Financial generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue AMB Financial retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare AMB Financial's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares AMB Financial has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against AMB Financial's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

AMB Financial stock margins

The AMB Financial margin analysis displays the gross margin, EBIT margin, as well as the profit margin of AMB Financial. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for AMB Financial.
  • 3 Years

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Cost-Income Ratio
Profit margin
Details
Date
Cost-Income Ratio
Profit margin
Jan 1, 2017
75.68 %
12.69 %
Jan 1, 2018
78.54 %
15.08 %
Jan 1, 2019
78.08 %
14.87 %
Jan 1, 2020
64.94 %
23.29 %
Jan 1, 2021
62.52 %
28.00 %
Jan 1, 2022
67.37 %
24.99 %
Jan 1, 2023
73.31 %
18.33 %
Jan 1, 2024
74.95 %
20.33 %

AMB Financial Revenue per Share, Earnings per Share

The AMB Financial earnings per share therefore indicates how much revenue AMB Financial has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.
  • 3 Years

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  • Max

Revenue per Share
Earnings per Share
Details
Date
Revenue per Share
Earnings per Share
Jan 1, 2017
8.68 USD
1.10 USD
Jan 1, 2018
8.71 USD
1.31 USD
Jan 1, 2019
9.27 USD
1.38 USD
Jan 1, 2020
12.35 USD
2.88 USD
Jan 1, 2021
14.21 USD
3.98 USD
Jan 1, 2022
13.70 USD
3.42 USD
Jan 1, 2023
13.14 USD
2.41 USD
Jan 1, 2024
13.42 USD
2.73 USD

AMB Financial business model & stock analysis

AMB Financial Corp was founded in 1994 by a team of financial experts with the goal of providing financial services to customers throughout the Asia-Pacific region. Since then, the company has become a leading financial service provider with a wide range of products and services. Business Model: AMB Financial Corp is a diversified financial service provider that offers a variety of services to customers in different industries and markets. The company specializes in the development and distribution of financial products tailored to the specific needs of its customers. With its integrated approach to financial services, AMB Financial Corp is able to offer customers a comprehensive range of solutions for their financial problems. AMB Financial Corp offers financial services in various sectors: Investment banking: AMB Financial Corp offers investment banking services to customers in the Asia-Pacific region. The company's experts work closely with customers to understand their financial needs and create a customized plan for implementing their business goals. Asset management: AMB Financial Corp is a leading provider of asset management services for individual clients, businesses, and institutions. The company offers a wide range of investment instruments, including stocks, bonds, investment funds, and structured products. Insurance: AMB Financial Corp offers a wide range of insurance products, including life, health, auto, fire, and travel insurance. Products: AMB Financial Corp offers a wide range of products and services tailored to the different needs of its customers. Some of the company's key products include: Stocks and bonds: AMB Financial Corp offers its customers a wide range of stocks and bonds tailored to their individual needs. The company works closely with its customers to ensure that they can achieve the best returns with the investment instruments they select. Investment funds: AMB Financial Corp also offers its customers a wide range of investment funds that invest in different industries and markets. These funds provide investors with the opportunity to diversify their portfolios and minimize their risk. Structured products: AMB Financial Corp also offers structured products such as certificates and options. These products are structured in a way that allows investors to minimize their risk while achieving higher returns. Customer Service: AMB Financial Corp is constantly striving to provide its customers with the best possible service. The company works closely with its customers to understand their individual needs and find a solution that best fits them. AMB Financial Corp's customer service includes a variety of services, including: Personal customer service Telephone support Online platforms Training and seminars Conclusion: AMB Financial Corp is a leading financial service provider in the Asia-Pacific region that offers its customers a wide range of financial services and products. The company specializes in developing customized solutions for the individual needs of its customers. With its comprehensive range of services and products, AMB Financial Corp is committed to providing its customers with the best possible service.

AMB Financial SWOT Analysis

Strengths

AMB Financial Corp has a strong market reputation, providing financial services with excellence for many years. The company's experienced team and expertise contribute to its robust position in the industry.

The company enjoys a solid customer base, built on trust and long-term relationships. This loyal customer base provides stability and potential for further growth opportunities.

AMB Financial Corp has a diversified portfolio of financial products and services, offering customers a comprehensive range of options to meet their needs. This diversity enables the company to adapt to changing market trends and maintain a competitive edge.

Weaknesses

One weakness of AMB Financial Corp is its heavy reliance on traditional brick-and-mortar branches. With the increasing popularity of online banking and fintech solutions, the company needs to invest in digitalization to stay competitive and meet customer expectations.

The company's dependency on a specific geographical focus may hinder its growth potential in other regions or markets. Diversifying its geographical reach could help reduce vulnerability to local economic fluctuations.

AMB Financial Corp may face challenges related to regulatory compliance. Changes in regulations or non-compliance could lead to increased costs and affect the company's operations and profitability.

Opportunities

The growing demand for digital financial services presents an opportunity for AMB Financial Corp to expand its online presence and develop innovative solutions to cater to tech-savvy customers. Embracing technology and investing in digital channels can attract a broader customer base and enhance customer experience.

Expansion into new markets or offering specialized financial services can open up additional revenue streams for the company. Exploring partnerships or acquisitions with niche players can help AMB Financial Corp tap into new opportunities and broaden its service portfolio.

As sustainability and ethical investing gain prominence, AMB Financial Corp can capitalize on this trend by developing sustainable financial products and promoting responsible investing. This can attract environmentally and socially conscious customers, further enhancing the company's reputation.

Threats

Intense competition in the financial services industry poses a threat to AMB Financial Corp. Other established players, as well as emerging fintech startups, can potentially capture market share and challenge the company's position.

Economic downturns or financial crises can impact the company's profitability and stability. AMB Financial Corp needs to maintain a strong risk management framework to mitigate the effects of economic uncertainties.

Changing customer preferences and expectations pose a threat to the company. If AMB Financial Corp fails to adapt to evolving customer needs or provide personalized experiences, it may risk losing customers to competitors who excel in these areas.

AMB Financial Eulerpool Fair Value

Details

Fair Value Estimate

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

AMB Financial historical P/E ratio, EBIT multiple, and P/S ratio

AMB Financial annual returns

Details

Annual Return

What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

AMB Financial shares outstanding

  • 3 Years

  • 5 Years

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  • 25 Years

  • Max

Number of stocks
Details
Date
Number of stocks
Jan 1, 2017
980,000.00 Stocks
Jan 1, 2018
990,000.00 Stocks
Jan 1, 2019
980,000.00 Stocks
Jan 1, 2020
970,000.00 Stocks
Jan 1, 2021
950,000.00 Stocks
Jan 1, 2022
928,200.00 Stocks
Jan 1, 2023
908,900.00 Stocks
Jan 1, 2024
900,700.00 Stocks

AMB Financial stock splits

In AMB Financial's history, there have been no stock splits.

AMB Financial Dividend History

22 years of dividend payments · 4 consecutive increases

YearAnnual DividendYoY ChangePayments
20260.07USDYTD
Mar 2, 20260.07USD 0.0%1/1
20250.27USD 12.5%
Mar 3, 20250.06USD 0.0%1/4
Jun 2, 20250.07USD 16.7%2/4
Sep 2, 20250.07USD 0.0%3/4
Dec 1, 20250.07USD 0.0%4/4
20240.24USD 4.3%
20230.23USD 53.3%
20220.15USD 0.0%
20170.15USD 0.0%
20160.15USD 50.0%
20150.10USD 0.0%
20130.10USD 63.0%
20080.27USD 22.9%

AMB Financial dividend payout ratio

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Payout ratio
Details
Date
Payout ratio
Jan 1, 2017
13.64 %
Jan 1, 2018
7.57 %
Jan 1, 2019
7.57 %
Jan 1, 2020
7.57 %
Jan 1, 2021
7.57 %
Jan 1, 2022
4.38 %
Jan 1, 2023
9.55 %
Jan 1, 2024
8.79 %
Price targets and forecasts for AMB Financial are not yet available.

AMB Financial shareholder structure

% Name
0.00000%
1st & Main Growth Partners
1st & Main Growth Partners

AMB Financial Executives and Management Board

MM

Mr. Michael Mellon

(55)

Chairman of the Board, President, Chief Executive Officer · since 2017

Compensation141,533.00 USD
JK

Mr. Joshua Van Kleek

(32)

Chief Financial Officer, Senior Vice President

MS

Mr. Mohammad Saleem

(58)

Senior Vice President

BS

Mr. Brian Specht

(56)

Senior Vice President

GW

Mrs. Ginger Watts

(58)

Senior Vice President

Frequently asked questions about AMB Financial

The business model of AMB Financial Corp revolves around providing a comprehensive range of financial services to its clients. As a leading financial institution, AMB Financial Corp offers various products and solutions, including banking services, investment management, insurance, and wealth management. Emphasizing customer-centricity, the company aims to meet the diverse financial needs of individuals, businesses, and institutions. Through strategic partnerships and innovative technologies, AMB Financial Corp strives to deliver exceptional financial solutions, foster long-term relationships, and generate sustainable growth. By offering a wide array of services and prioritizing customer satisfaction, AMB Financial Corp establishes itself as a trusted partner in the financial industry.