AMB FinancialAMFC +0.36%51 OCF Margin % is 40.88% as of Mar. 2026, which is 51% above its 10-year median of 27.06. 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 1,501 Banks companies, AMB Financial ranks better than 60.89% on this metric.
The historical rank and industry rank for AMB Financial's OCF Margin % or its related term are showing as below:
AMFC'
s OCF Margin % Range Over the Past 10 Years
Min: 1.79 Med: 27.06 Max: 40.29
Current: 36.2
During the past 13 years, the highest OCF Margin % of AMB Financial was 40.29%. The lowest was 1.79%. And the median was 27.06%.
AMFC's OCF Margin % is ranked better than 60.89% of 1501
companies
in the Banks industry
Industry Median: 29.44
vs AMFC: 36.20
AMB Financial OCF Margin % Related Terms
AMB Financial OCF Margin % Historical Data
* Premium members only.
The historical data trend for AMB Financial's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, AMB Financial's OCF Margin % distribution charts can be found below:
* The bar in red indicates where AMB Financial's OCF 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 OCF Margin % of 40.88% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on AMB Financial and its competitors. This is 51% above median its historical median of 27.06. Over the past decade, AMB Financial's OCF Margin % has ranged from 1.79 to 40.29. According to the industry distribution chart, AMB Financial ranks #587 out of 1501 companies in the Banks industry, placing it in the top 39.1%.
Is AMB Financial's OCF Margin % too high?
AMB Financial's current OCF Margin % of 40.88% is 51% above median its 10-year median of 27.06. Over the past 10 years, this metric has ranged from a low of 1.79 to a high of 40.29. The Banks industry median OCF Margin % is 29.44. AMB Financial's value of 40.88% is 38.9% above this industry median. Based on the distribution chart, AMB Financial ranks #587 out of 1501 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 OCF Margin % compare to CNBZ and IBWC?
According to the Banks industry distribution chart, AMB Financial ranks #587 out of 1501 companies for OCF Margin %. This puts AMB Financial in the upper half of its industry. The industry median OCF Margin % is 29.44. AMB Financial's value of 40.88% is 38.9% above this benchmark. Historically, AMB Financial's own OCF Margin % has ranged from 1.79 to 40.29 over the past decade. While the company's 10-year median is 27.06 vs. the industry median of 29.44, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AMB Financial's current OCF Margin % of 40.88% is 38.9% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on AMB Financial and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AMB Financial's current OCF Margin % is 40.88%, which is 51% above median its own 10-year median of 27.06. 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 OCF Margin % is 40.88%, which is 51% above median its 10-year median of 27.06 and 38.9% above the Banks industry median of 29.44. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For AMB Financial (AMFC), the current OCF Margin % is 40.88% 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:
OCF Margin %: 40.88% (51% above median its 10-year median of 27.06)
GF Value™: $25.97 vs. price of $34.32 (32.2% above fair value)
Industry Position: 38.9% above the Banks median (#587 of 1501)
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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