AMFC (AMB Financial) ROE % Adjusted to Book Value: 14.05% (As of Mar. 2026)

What is AMB Financial ROE % Adjusted to Book Value?

AMB Financial AMFC +0.36% 51 ROE % Adjusted to Book Value is 14.05% as of Mar. 2026. 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.

AMB Financial's ROE % for the quarter that ended in Mar. 2026 was 11.94%. AMB Financial's PB Ratio for the quarter that ended in Mar. 2026 was 0.85. AMB Financial's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 14.05%.

AMB Financial ROE % Adjusted to Book Value Related Terms

AMB Financial ROE % Adjusted to Book Value Historical Data

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The historical data trend for AMB Financial's ROE % Adjusted to Book Value 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.

AMB Financial ROE % Adjusted to Book Value Chart

AMB Financial Annual Data

Trend

Dec06

Dec07

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

ROE % Adjusted to Book Value

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16.73

17.26

13.52

14.03

13.33

AMB Financial Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
ROE % Adjusted to Book Value	Get a 7-Day Free Trial															17.13	14.97	16.26	13.97	14.05

AMFC vs CNBZ, IBWC, GNRV: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, AMB Financial's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, AMB Financial's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where AMB Financial's ROE % Adjusted to Book Value falls into.

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51GF Score

AMB Financial Corp AMFC

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AMB Financial ROE % Adjusted to Book Value Calculation

AMB Financial's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value	=	ROE %	/	PB Ratio
	=	10.53%	/	0.79
	=	13.33%

AMB Financial's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value	=	ROE %	/	PB Ratio
	=	11.94%	/	0.85
	=	14.05%

Frequently Asked Questions Learn more about ROE % Adjusted to Book Value →

What does a ROE % Adjusted to Book Value of 14.05% mean?

AMB Financial (AMFC) has a ROE % Adjusted to Book Value of 14.05% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on AMB Financial and its competitors.

Is AMB Financial's ROE % Adjusted to Book Value too high?

AMB Financial's current ROE % Adjusted to Book Value is 14.05%. 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 ROE % Adjusted to Book Value compare to CNBZ and IBWC?

AMB Financial's ROE % Adjusted to Book Value of 14.05% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good ROE % Adjusted to Book Value for a Banks company?

A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?

A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on AMB Financial and its competitors. AMB Financial's current ROE % Adjusted to Book Value is 14.05%. 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 ROE % Adjusted to Book Value is 14.05%. 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 ROE % Adjusted to Book Value calculated?

ROE % Adjusted to Book Value is calculated from a company's financial statements. For AMB Financial (AMFC), the current ROE % Adjusted to Book Value is 14.05% 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:

ROE % Adjusted to Book Value: 14.05%
GF Value™: $25.97 vs. price of $34.32 (32.2% 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

Industry Financial Services Banks

Comparable Companies CNBZ IBWC GNRV CDAB ELMA PFSB JFWV RBNK CAIB WOBK SHSE:600036 SGX:D05 MIL:UCG NSE:HDFCBANK XPAR:BNP MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK XMAD:CABK

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

Website https://www.acbanker.com

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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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$34.32

Price

$25.97

GF Value

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