EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, AMB Financial's Enterprise Value is $9.89 Mil.
AMB Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $5.23 Mil. Therefore, AMB Financial's EV-to-FCF for today is 1.89.
The historical rank and industry rank for AMB Financial's EV-to-FCF or its related term are showing as below:
AMFC'
s EV-to-FCF Range Over the Past 10 Years
Min: -22.59 Med: -1.41 Max: 16.7
Current: 1.89
During the past 13 years, the highest EV-to-FCF of AMB Financial was 16.70. The lowest was -22.59. And the median was -1.41.
AMFC's EV-to-FCF is ranked better than 70.78% of 1191
companies
in the Banks industry
Industry Median: 6.56
vs AMFC: 1.89
EV-to-FCF 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-FCF 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 $34.322.
AMB Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $4.060.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
AMB Financial EV-to-FCF Related Terms
AMB Financial EV-to-FCF Historical Data
* Premium members only.
The historical data trend for AMB Financial's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, AMB Financial's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where AMB Financial's EV-to-FCF falls into.
AMB Financial's current Enterprise Value is $9.89 Mil.
AMB Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $5.23 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-FCF of 1.89 as of Jun. 24, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on AMB Financial and its competitors. According to the industry distribution chart, AMB Financial ranks #348 out of 1191 companies in the Banks industry, placing it in the top 29.2%.
Is AMB Financial's EV-to-FCF too high?
AMB Financial's current EV-to-FCF is 1.89. The Banks industry median EV-to-FCF is 6.56. AMB Financial's value of 1.89 is 71.2% below this industry median. Based on the distribution chart, AMB Financial ranks #348 out of 1191 companies in the Banks industry, which is above 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 EV-to-FCF compare to CNBZ and IBWC?
According to the Banks industry distribution chart, AMB Financial ranks #348 out of 1191 companies for EV-to-FCF. This puts AMB Financial in the upper half of its industry. The industry median EV-to-FCF is 6.56. AMB Financial's value of 1.89 is 71.2% 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.56, based on 1,191 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AMB Financial's current EV-to-FCF of 1.89 is 71.2% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on AMB Financial and its competitors. For the Banks industry, the median EV-to-FCF is 6.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AMB Financial's current EV-to-FCF is 1.89. 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 $25.97, compared to a current price of $34.32 — trading 32.2% above its estimated fair value. The current EV-to-FCF is 1.89 and 71.2% below the Banks industry median of 6.56. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For AMB Financial (AMFC), the current EV-to-FCF is 1.89 as of Jun. 24, 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 $34.32 is trading 32.2% above its estimated GF Value™ of $25.97.
GuruFocus considers AMB Financial to be Significantly Overvalued.
Key valuation signals for AMFC:
EV-to-FCF: 1.89
GF Value™: $25.97 vs. price of $34.32 (32.2% above fair value)
Industry Position: 71.2% below the Banks median (#348 of 1191)
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
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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