AMB FinancialAMFC +0.36%51 Net Margin % is 26.25% as of Mar. 2026, which is 36% above its 10-year median of 19.33. 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 1,527 Banks companies, AMB Financial ranks worse than 60.9% on this metric.
Net margin is calculated as Net Income divided by its Revenue. AMB Financial's Net Income for the
three
months ended in Mar. 2026 was $1.04 Mil. AMB Financial's Revenue for the
three
months ended in Mar. 2026 was $3.94 Mil. Therefore, AMB Financial's net margin for the quarter that ended in Mar. 2026 was 26.25%.
The historical rank and industry rank for AMB Financial's Net Margin % or its related term are showing as below:
AMFC'
s Net Margin % Range Over the Past 10 Years
Min: 1.01 Med: 19.33 Max: 28.01
Current: 23.69
AMFC's Net Margin % is ranked worse than 60.9% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs AMFC: 23.69
AMB Financial (OTCPK:AMFC) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
AMB Financial Net Margin % Related Terms
AMB Financial Net Margin % Historical Data
* Premium members only.
The historical data trend for AMB Financial's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, AMB Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where AMB Financial's Net 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 Net Margin % of 26.25% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on AMB Financial and its competitors. This is 36% above median its historical median of 19.33. Over the past decade, AMB Financial's Net Margin % has ranged from 1.01 to 28.01. According to the industry distribution chart, AMB Financial ranks #930 out of 1527 companies in the Banks industry, placing it in the top 60.9%.
Is AMB Financial's Net Margin % too high?
AMB Financial's current Net Margin % of 26.25% is 36% above median its 10-year median of 19.33. Over the past 10 years, this metric has ranged from a low of 1.01 to a high of 28.01. The Banks industry median Net Margin % is 26.95. AMB Financial's value of 26.25% is 2.6% below this industry median. Based on the distribution chart, AMB Financial ranks #930 out of 1527 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 Net Margin % compare to CNBZ and IBWC?
According to the Banks industry distribution chart, AMB Financial ranks #930 out of 1527 companies for Net Margin %. This places AMB Financial in the lower half of its industry. The industry median Net Margin % is 26.95. AMB Financial's value of 26.25% is 2.6% below this benchmark. Historically, AMB Financial's own Net Margin % has ranged from 1.01 to 28.01 over the past decade. While the company's 10-year median is 19.33 vs. the industry median of 26.95, AMB Financial has consistently been below 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AMB Financial's current Net Margin % of 26.25% is 2.6% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on AMB Financial and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AMB Financial's current Net Margin % is 26.25%, which is 36% above median its own 10-year median of 19.33. 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 Net Margin % is 26.25%, which is 36% above median its 10-year median of 19.33 and 2.6% below the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For AMB Financial (AMFC), the current Net Margin % is 26.25% 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:
Net Margin %: 26.25% (36% above median its 10-year median of 19.33)
GF Value™: $25.97 vs. price of $34.32 (32.2% above fair value)
Industry Position: 2.6% below the Banks median (#930 of 1527)
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
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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