AMB FinancialAMFC +0.36%51 FCF Margin % is 40.81% as of Mar. 2026, which is 76% above its 10-year median of 23.15. GuruFocus rates AMFC with a GF Score™ of 51/100 and a GF Value™ of $25.97 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,505 Banks companies, AMB Financial ranks better than 62.99% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. AMB Financial's Free Cash Flow for the
three
months ended in Mar. 2026 was $1.61 Mil. AMB Financial's Revenue for the
three
months ended in Mar. 2026 was $3.94 Mil. Therefore, AMB Financial's FCF Margin % for the quarter that ended in Mar. 2026 was 40.81%.
The historical rank and industry rank for AMB Financial's FCF Margin % or its related term are showing as below:
AMFC'
s FCF Margin % Range Over the Past 10 Years
Min: -72.96 Med: 23.15 Max: 37.35
Current: 34.15
During the past 13 years, the highest FCF Margin % of AMB Financial was 37.35%. The lowest was -72.96%. And the median was 23.15%.
AMFC's FCF Margin % is ranked better than 62.99% of 1505
companies
in the Banks industry
Industry Median: 26.42
vs AMFC: 34.15
AMB Financial FCF Margin % Related Terms
AMB Financial FCF Margin % Historical Data
* Premium members only.
The historical data trend for AMB Financial's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, AMB Financial's FCF Margin % distribution charts can be found below:
* The bar in red indicates where AMB Financial's FCF Margin % falls into.
* 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 FCF Margin % of 40.81% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on AMB Financial and its competitors. This is 76% above median its historical median of 23.15. According to the industry distribution chart, AMB Financial ranks #557 out of 1505 companies in the Banks industry, placing it in the top 37%.
Is AMB Financial's FCF Margin % too high?
AMB Financial's current FCF Margin % of 40.81% is 76% above median its 10-year median of 23.15. The Banks industry median FCF Margin % is 26.42. AMB Financial's value of 40.81% is 54.5% above this industry median. Based on the distribution chart, AMB Financial ranks #557 out of 1505 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 FCF Margin % compare to CNBZ and IBWC?
According to the Banks industry distribution chart, AMB Financial ranks #557 out of 1505 companies for FCF Margin %. This puts AMB Financial in the upper half of its industry. The industry median FCF Margin % is 26.42. AMB Financial's value of 40.81% is 54.5% above this benchmark. While the company's 10-year median is 23.15 vs. the industry median of 26.42, AMB Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AMB Financial's current FCF Margin % of 40.81% is 54.5% above 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on AMB Financial and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AMB Financial's current FCF Margin % is 40.81%, which is 76% above median its own 10-year median of 23.15. 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 FCF Margin % is 40.81%, which is 76% above median its 10-year median of 23.15 and 54.5% above the Banks industry median of 26.42. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For AMB Financial (AMFC), the current FCF Margin % is 40.81% as of Mar. 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:
FCF Margin %: 40.81% (76% above median its 10-year median of 23.15)
GF Value™: $25.97 vs. price of $34.32 (32.2% above fair value)
Industry Position: 54.5% above the Banks median (#557 of 1505)
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
FCF Margin % 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 
