Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
AMB FinancialAMFC 51 Earnings per Share (Diluted) is $4.23 as of Jun. 2026. GuruFocus rates AMFC with a GF Score™ of 51/100 and a GF Value™ of $26.09 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,411 Banks companies, AMB Financial ranks worse than 60.17% on this metric.
AMB Financial's EPS (Basic) for the
three
months ended in Jun. 2026 was $0.96.
Its EPS (Basic) for the trailing twelve months (TTM) ended in Jun. 2026 was $4.24.
During the past 12 months, AMB Financial's average EPS without NRIGrowth Rate was 30.60% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was 3.80% per year.
During the past 5 years, the average EPS without NRIGrowth Rate was -0.20% per year.
During the past 10 years, the average EPS without NRIGrowth Rate was 28.60% per year.
During the past 13 years, AMB Financial's highest 3-Year average EPS without NRI Growth Rate was 286.20% per year. The lowest was -61.00% per year. And the median was 18.10% per year.
AMB Financial (OTCPK:AMFC) Earnings per Share (Diluted) Explanation
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
AMB Financial Earnings per Share (Diluted) Related Terms
AMB Financial Earnings per Share (Diluted) Historical Data
* Premium members only.
The historical data trend for AMB Financial's Earnings per Share (Diluted) 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.
AMFC vs CDAB, IBWC, ELMA: Earnings per Share (Diluted) Comparison
For the Banks - Regional subindustry, AMB Financial's PE Ratio, along with its competitors' market caps and PE 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 PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, AMB Financial's PE Ratio distribution charts can be found below:
* The bar in red indicates where AMB Financial's PE Ratio falls into.
AMB Financial Earnings per Share (Diluted) Calculation
Earnings Per Share (EPS) is the amount of earnings per outstanding share of the company's stock. In calculating earnings per share, the dividends of preferred stocks need to subtracted from the total net income first.
AMB Financial's Earnings Per Share (Diluted) for the fiscal year that ended in Dec. 2025 is calculated as
Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $4.23
* 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.
Companies also reported diluted shares in their financial reports. Diluted shares include the shares of convertibles or warrants outstanding.
What does a Earnings per Share (Diluted) of $4.23 mean?
AMB Financial (AMFC) has a Earnings per Share (Diluted) of $4.23 as of Jun. 2026. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on AMB Financial and its competitors. According to the industry distribution chart, AMB Financial ranks #849 out of 1411 companies in the Banks industry, placing it in the top 60.2%.
Is AMB Financial's Earnings per Share (Diluted) too high?
AMB Financial's current Earnings per Share (Diluted) is $4.23. The Banks industry median Earnings per Share (Diluted) is 7.30. AMB Financial's value of $4.23 is 42.1% below this industry median. Based on the distribution chart, AMB Financial ranks #849 out of 1411 companies in the Banks industry, which is below the industry midpoint. Overall, AMB Financial has a GF Score™ of 51/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does AMB Financial's Earnings per Share (Diluted) compare to CDAB and IBWC?
According to the Banks industry distribution chart, AMB Financial ranks #849 out of 1411 companies for Earnings per Share (Diluted). This places AMB Financial in the lower half of its industry. The industry median Earnings per Share (Diluted) is 7.30. AMB Financial's value of $4.23 is 42.1% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings per Share (Diluted) for a Banks company?
The median Earnings per Share (Diluted) among Banks companies is 7.30, based on 1,411 companies in the industry. Companies in the top quartile (top 25%) have a Earnings per Share (Diluted) significantly above this median, while those in the bottom quartile fall well below. However, Earnings per Share (Diluted) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AMB Financial's current Earnings per Share (Diluted) of $4.23 is 42.1% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Earnings per Share (Diluted) mean?
A high Earnings per Share (Diluted) can signal that a stock is expensive relative to its fundamentals. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on AMB Financial and its competitors. For the Banks industry, the median Earnings per Share (Diluted) is 7.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AMB Financial's current Earnings per Share (Diluted) is $4.23. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AMB Financial stock overvalued right now?
Based on GuruFocus' analysis, AMB Financial (AMFC) is currently considered Significantly Overvalued. The stock's GF Value™ is $26.09, compared to a current price of $34.25 — trading 31.3% above its estimated fair value. The current Earnings per Share (Diluted) is $4.23 and 42.1% below the Banks industry median of 7.30. AMB Financial's overall GF Score™ is 51/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings per Share (Diluted) calculated?
Earnings per Share (Diluted) is calculated from a company's financial statements. For AMB Financial (AMFC), the current Earnings per Share (Diluted) is $4.23 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is AMB Financial (AMFC) Overvalued in 2026?
Based on GuruFocus' analysis, AMB Financial stock appears to be overvalued.
The current stock price of $34.25 is trading 31.3% above its estimated GF Value™ of $26.09.
GuruFocus considers AMB Financial to be Significantly Overvalued.
Key valuation signals for AMFC:
Earnings per Share (Diluted): $4.23
GF Value™: $26.09 vs. price of $34.25 (31.3% above fair value)
Industry Position: 42.1% below the Banks median (#849 of 1411)
No single metric tells the full story. See the AMFC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AMB Financial Corp is a bank holding company. The Bank is a State of Indiana commercial bank offering a full range of financial services to customers who are located within northwest Indiana. The Bank is principally engaged in the business of attracting deposits from the general public and using such deposits to originate residential and commercial mortgage loans, as well as other types of consumer and commercial loans. The company also invests in mortgage-backed and other investment securities.
51GF Score
Get the complete analysis for AMFC
Earnings per Share (Diluted) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
AMFC has been successfully added to your 
