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AMFC (AMB Financial) Cyclically Adjusted PB Ratio : 0.83 (As of May. 29, 2025)


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What is AMB Financial Cyclically Adjusted PB Ratio?

As of today (2025-05-29), AMB Financial's current share price is $22.16. AMB Financial's Cyclically Adjusted Book per Share for the quarter that ended in Dec. 2024 was $26.60. AMB Financial's Cyclically Adjusted PB Ratio for today is 0.83.

The historical rank and industry rank for AMB Financial's Cyclically Adjusted PB Ratio or its related term are showing as below:

AMFC' s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 0.64   Med: 0.89   Max: 1.33
Current: 0.83

During the past years, AMB Financial's highest Cyclically Adjusted PB Ratio was 1.33. The lowest was 0.64. And the median was 0.89.

AMFC's Cyclically Adjusted PB Ratio is ranked better than
64.04% of 1282 companies
in the Banks industry
Industry Median: 1.01 vs AMFC: 0.83

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

AMB Financial's adjusted book value per share data for the three months ended in Dec. 2024 was $34.290. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $26.60 for the trailing ten years ended in Dec. 2024.

Shiller PE for Stocks: The True Measure of Stock Valuation


AMB Financial Cyclically Adjusted PB Ratio Historical Data

The historical data trend for AMB Financial's Cyclically Adjusted PB Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

AMB Financial Cyclically Adjusted PB Ratio Chart

AMB Financial Annual Data
Trend Dec05 Dec06 Dec07 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.89 1.23 0.92 0.74 0.76

AMB Financial Quarterly Data
Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24
Cyclically Adjusted PB Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.74 0.77 0.72 0.72 0.76

Competitive Comparison of AMB Financial's Cyclically Adjusted PB Ratio

For the Banks - Regional subindustry, AMB Financial's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


AMB Financial's Cyclically Adjusted PB Ratio Distribution in the Banks Industry

For the Banks industry and Financial Services sector, AMB Financial's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where AMB Financial's Cyclically Adjusted PB Ratio falls into.


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AMB Financial Cyclically Adjusted PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

AMB Financial's Cyclically Adjusted PB Ratio for today is calculated as

Cyclically Adjusted PB Ratio=Share Price/ Cyclically Adjusted Book per Share
=22.16/26.60
=0.83

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

AMB Financial's Cyclically Adjusted Book per Share for the quarter that ended in Dec. 2024 is calculated as:

For example, AMB Financial's adjusted Book Value per Share data for the three months ended in Dec. 2024 was:

Adj_Book=Book Value per Share/CPI of Dec. 2024 (Change)*Current CPI (Dec. 2024)
=34.29/133.1571*133.1571
=34.290

Current CPI (Dec. 2024) = 133.1571.

AMB Financial Quarterly Data

Book Value per Share CPI Adj_Book
200412 13.669 80.290 22.669
200503 13.695 81.555 22.360
200506 14.133 82.062 22.933
200509 14.261 83.876 22.640
200512 14.523 83.032 23.290
200603 14.494 84.298 22.895
200606 13.956 85.606 21.708
200609 14.008 85.606 21.789
200612 13.870 85.142 21.692
200703 13.944 86.640 21.430
200706 13.873 87.906 21.014
200709 14.297 87.964 21.642
200712 13.672 88.616 20.544
200803 13.686 90.090 20.229
200806 13.359 92.320 19.268
201812 18.761 105.998 23.568
201903 0.000 107.251 0.000
201906 0.000 108.070 0.000
201909 0.000 108.329 0.000
201912 20.246 108.420 24.865
202003 20.679 108.902 25.285
202006 21.293 108.767 26.068
202009 21.856 109.815 26.502
202012 23.354 109.897 28.297
202103 24.202 111.754 28.837
202106 25.248 114.631 29.328
202109 26.363 115.734 30.332
202112 27.069 117.630 30.642
202203 27.531 121.301 30.222
202206 27.883 125.017 29.699
202209 29.285 125.227 31.140
202212 30.163 125.222 32.074
202303 30.724 127.348 32.126
202306 30.674 128.729 31.729
202309 30.721 129.860 31.501
202312 31.699 129.419 32.614
202403 32.191 131.776 32.528
202406 32.606 132.554 32.754
202409 33.679 133.029 33.711
202412 34.290 133.157 34.290

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


AMB Financial  (OTCPK:AMFC) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.


AMB Financial Cyclically Adjusted PB Ratio Related Terms

Thank you for viewing the detailed overview of AMB Financial's Cyclically Adjusted PB Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


AMB Financial Business Description

Traded in Other Exchanges
N/A
Address
7880 Wicker Avenue, Suite 101, Saint John, IN, USA, 46373
AMB Financial Corp is a savings and loan holding company. The company is involved in personal and business banking. It is a community-based financial institution that offers several selected financial services to meet the needs of the community it serves. Its business consists of accepting deposits from customers within its market area and investing those funds in mortgage loans secured by residential and non-residential real estate as well as non-real estate commercial and consumer loans. The Company also invests in mortgage-backed and other investment securities.

AMB Financial Headlines

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