AMFC (AMB Financial) Moat Score: 3/10 (As of Jun. 25, 2026)


AMFC AMB Financial Corp AMFC
51 GF Score
Price $34.32
GF Value $25.98
Valuation Significantly Overvalued
! 6 Warning Signs
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What is AMB Financial Moat Score?

AMB Financial AMFC +0.36% 51 Moat Score is 3 as of Jun. 25, 2026. GuruFocus rates AMFC with a GF Score™ of 51/100 and a GF Value™ of $25.98 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,609 Banks companies, AMB Financial ranks better than 74.39% on this metric.

AMB Financial has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

AMB Financial has No Moat: AMB Financial Corp operates in a competitive financial services market with limited differentiation. It lacks significant intellectual property, brand strength, or cost advantages, resulting in a transient competitive position.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes AMB Financial might have No Moat - Very weak/transient advantages.

AMB Financial  (OTCPK:AMFC) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

AMB Financial Moat Score Related Terms

AMFC vs CNBZ, IBWC, GNRV: Moat Score Comparison

For the Banks - Regional subindustry, AMB Financial's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, AMB Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where AMB Financial's Moat Score falls into.


AMFC
51GF Score
AMB Financial Corp AMFC
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
AMB Financial (AMFC) has a Moat Score of 3 as of Jun. 25, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, AMB Financial ranks #412 out of 1609 companies in the Banks industry, placing it in the top 25.6%.
Is AMB Financial's Moat Score too high?
AMB Financial's current Moat Score is 3. Based on the distribution chart, AMB Financial ranks #412 out of 1609 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 Moat Score compare to CNBZ and IBWC?
According to the Banks industry distribution chart, AMB Financial ranks #412 out of 1609 companies for Moat Score. This puts AMB Financial in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. AMB Financial's current Moat Score is 3. 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 $25.98, compared to a current price of $34.32 — trading 32.1% above its estimated fair value. The current Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For AMB Financial (AMFC), the current Moat Score is 3 as of Jun. 25, 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 32.1% above its estimated GF Value™ of $25.98. GuruFocus considers AMB Financial to be Significantly Overvalued.

Key valuation signals for AMFC:

  • Moat Score: 3
  • GF Value™: $25.98 vs. price of $34.32 (32.1% above fair value)
  • GF Score™: 51/100 with 6 warning signs

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 Business Description

Address 7880 Wicker Avenue, Suite 101, Saint John, IN, USA, 46373
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

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$34.32
Price
$25.98
GF Value