AMB FinancialAMFC +0.36%51 Pretax Margin % is 35.15% as of Mar. 2026, which is 36% above its 10-year median of 25.77. 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 59.14% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. AMB Financial's Pre-Tax Income for the
three
months ended in Mar. 2026 was $1.39 Mil. AMB Financial's Revenue for the
three
months ended in Mar. 2026 was $3.94 Mil. Therefore, AMB Financial's pretax margin for the quarter that ended in Mar. 2026 was 35.15%.
The historical rank and industry rank for AMB Financial's Pretax Margin % or its related term are showing as below:
AMFC'
s Pretax Margin % Range Over the Past 10 Years
Min: -0.21 Med: 25.77 Max: 37.42
Current: 31.42
AMFC's Pretax Margin % is ranked worse than 59.14% of 1527
companies
in the Banks industry
Industry Median: 34.88
vs AMFC: 31.42
AMB Financial (OTCPK:AMFC) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
AMB Financial Pretax Margin % Related Terms
AMB Financial Pretax Margin % Historical Data
* Premium members only.
The historical data trend for AMB Financial's Pretax 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.
AMFC vs CNBZ, IBWC, GNRV: Pretax Margin % Comparison
For the Banks - Regional subindustry, AMB Financial's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, AMB Financial's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where AMB Financial's Pretax 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 Pretax Margin % of 35.15% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on AMB Financial and its competitors. This is 36% above median its historical median of 25.77. According to the industry distribution chart, AMB Financial ranks #903 out of 1527 companies in the Banks industry, placing it in the top 59.1%.
Is AMB Financial's Pretax Margin % too high?
AMB Financial's current Pretax Margin % of 35.15% is 36% above median its 10-year median of 25.77. The Banks industry median Pretax Margin % is 34.88. AMB Financial's value of 35.15% is 0.8% above this industry median. Based on the distribution chart, AMB Financial ranks #903 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 Pretax Margin % compare to CNBZ and IBWC?
According to the Banks industry distribution chart, AMB Financial ranks #903 out of 1527 companies for Pretax Margin %. This places AMB Financial in the lower half of its industry. The industry median Pretax Margin % is 34.88. AMB Financial's value of 35.15% is 0.8% above this benchmark. While the company's 10-year median is 25.77 vs. the industry median of 34.88, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.88, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AMB Financial's current Pretax Margin % of 35.15% is 0.8% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on AMB Financial and its competitors. For the Banks industry, the median Pretax Margin % is 34.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AMB Financial's current Pretax Margin % is 35.15%, which is 36% above median its own 10-year median of 25.77. 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 Pretax Margin % is 35.15%, which is 36% above median its 10-year median of 25.77 and 0.8% above the Banks industry median of 34.88. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For AMB Financial (AMFC), the current Pretax Margin % is 35.15% 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:
Pretax Margin %: 35.15% (36% above median its 10-year median of 25.77)
GF Value™: $25.97 vs. price of $34.32 (32.2% above fair value)
Industry Position: 0.8% above the Banks median (#903 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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