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AMB FinancialAMFC 52 EV-to-OCF is 2.61 as of Aug. 09, 2026. GuruFocus rates AMFC with a GF Score™ of 52/100 and a GF Value™ of $28.04 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,498 Banks companies, AMB Financial ranks better than 56.01% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, AMB Financial's Enterprise Value is $11.63 Mil.
AMB Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $4.45 Mil. Therefore, AMB Financial's EV-to-OCF for today is 2.61.
The historical rank and industry rank for AMB Financial's EV-to-OCF or its related term are showing as below:
AMFC'
s EV-to-OCF Range Over the Past 10 Years
Min: -20.28 Med: -0.4 Max: 19.06
Current: 2.61
During the past 13 years, the highest EV-to-OCF of AMB Financial was 19.06. The lowest was -20.28. And the median was -0.40.
AMFC's EV-to-OCF is ranked better than 56.01% of 1498
companies
in the Banks industry
Industry Median: 3.98
vs AMFC: 2.61
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
AMB Financial's PE Ratio (TTM) for today is calculated as:
AMB Financial's share price for today is $34.77.
AMB Financial's 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 $4.230.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
AMB Financial EV-to-OCF Related Terms
AMB Financial EV-to-OCF Historical Data
* Premium members only.
The historical data trend for AMB Financial's EV-to-OCF 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.
For the Banks - Regional subindustry, AMB Financial's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, AMB Financial's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where AMB Financial's EV-to-OCF falls into.
AMB Financial's current Enterprise Value is $11.63 Mil.
AMB Financial's Cash Flow from Operations 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 $4.45 Mil.
* 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 (AMFC) has a EV-to-OCF of 2.61 as of Aug. 09, 2026. According to the industry distribution chart, AMB Financial ranks #659 out of 1498 companies in the Banks industry, placing it in the top 44%.
Is AMB Financial's EV-to-OCF too high?
AMB Financial's current EV-to-OCF is 2.61. The Banks industry median EV-to-OCF is 3.98. AMB Financial's value of 2.61 is 34.4% below this industry median. Based on the distribution chart, AMB Financial ranks #659 out of 1498 companies in the Banks industry, which is above the industry midpoint. Overall, AMB Financial has a GF Score™ of 52/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does AMB Financial's EV-to-OCF compare to CDAB and WVFC?
According to the Banks industry distribution chart, AMB Financial ranks #659 out of 1498 companies for EV-to-OCF. This puts AMB Financial in the upper half of its industry. The industry median EV-to-OCF is 3.98. AMB Financial's value of 2.61 is 34.4% 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.98, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AMB Financial's current EV-to-OCF of 2.61 is 34.4% 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AMB Financial's current EV-to-OCF is 2.61. 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 Modestly Overvalued. The stock's GF Value™ is $28.04, compared to a current price of $34.77 — trading 24% above its estimated fair value. The current EV-to-OCF is 2.61 and 34.4% below the Banks industry median of 3.98. AMB Financial's overall GF Score™ is 52/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For AMB Financial (AMFC), the current EV-to-OCF is 2.61 as of Aug. 09, 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 $34.77 is trading 24% above its estimated GF Value™ of $28.04.
GuruFocus considers AMB Financial to be Modestly Overvalued.
Key valuation signals for AMFC:
EV-to-OCF: 2.61
GF Value™: $28.04 vs. price of $34.77 (24% above fair value)
Industry Position: 34.4% below the Banks median (#659 of 1498)
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.
52GF Score
Get the complete analysis for AMFC
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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