AMB FinancialAMFC +0.36%51 Dividend Payout Ratio is 0.06 as of Mar. 2026, which is 33% below its 10-year median of 0.09. 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 1,169 Banks companies, AMB Financial ranks better than 96.75% on this metric.
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. AMB Financial's Dividend Payout Ratio for the
months ended in Mar. 2026 was 0.06.
The historical rank and industry rank for AMB Financial's Dividend Payout Ratio or its related term are showing as below:
AMFC'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.04 Med: 0.09 Max: 7
Current: 0.07
During the past 13 years, the highest Dividend Payout Ratio of AMB Financial was 7.00. The lowest was 0.04. And the median was 0.09.
AMFC's Dividend Payout Ratio is ranked better than 96.75% of 1169
companies
in the Banks industry
Industry Median: 0.32
vs AMFC: 0.07
During the past 12 months, AMB Financial's average Dividends Per Share Growth Rate was 16.70% per year.
During the past 3 years, the average Dividends Per Share Growth Rate was 21.60% per year.
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of AMB Financial was 38.50% per year. The lowest was 2.70% per year. And the median was 11.40% per year.
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
AMB Financial (OTCPK:AMFC) Dividend Payout Ratio Explanation
In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
AMB Financial Dividend Payout Ratio Related Terms
AMB Financial Dividend Payout Ratio Historical Data
* Premium members only.
The historical data trend for AMB Financial's Dividend Payout Ratio 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.
AMFC vs CNBZ, IBWC, GNRV: Dividend Payout Ratio Comparison
For the Banks - Regional subindustry, AMB Financial's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Banks Industry
For the Banks industry and Financial Services sector, AMB Financial's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where AMB Financial's Dividend Payout Ratio falls into.
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.
AMB Financial's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Dividend Payout Ratio of 0.06 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on AMB Financial and its competitors. This is 33% below median its historical median of 0.09. Over the past decade, AMB Financial's Dividend Payout Ratio has ranged from 0.04 to 7.00. According to the industry distribution chart, AMB Financial ranks #38 out of 1169 companies in the Banks industry, placing it in the top 3.3%.
Is AMB Financial's Dividend Payout Ratio too high?
AMB Financial's current Dividend Payout Ratio of 0.06 is 33% below median its 10-year median of 0.09. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 7.00. The Banks industry median Dividend Payout Ratio is 0.32. AMB Financial's value of 0.06 is 81.3% below this industry median. Based on the distribution chart, AMB Financial ranks #38 out of 1169 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Dividend Payout Ratio compare to CNBZ and IBWC?
According to the Banks industry distribution chart, AMB Financial ranks #38 out of 1169 companies for Dividend Payout Ratio. This places AMB Financial in the top 3% of its industry — outperforming the majority of peers. The industry median Dividend Payout Ratio is 0.32. AMB Financial's value of 0.06 is 81.3% below this benchmark. Historically, AMB Financial's own Dividend Payout Ratio has ranged from 0.04 to 7.00 over the past decade. While the company's 10-year median is 0.09 vs. the industry median of 0.32, 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 Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,169 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AMB Financial's current Dividend Payout Ratio of 0.06 is 81.3% 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on AMB Financial and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AMB Financial's current Dividend Payout Ratio is 0.06, which is 33% below median its own 10-year median of 0.09. 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 Dividend Payout Ratio is 0.06, which is 33% below median its 10-year median of 0.09 and 81.3% below the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For AMB Financial (AMFC), the current Dividend Payout Ratio is 0.06 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:
Dividend Payout Ratio: 0.06 (33% below median its 10-year median of 0.09)
GF Value™: $25.97 vs. price of $34.32 (32.2% above fair value)
Industry Position: 81.3% below the Banks median (#38 of 1169)
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
Dividend Payout Ratio 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 
