AMFC (AMB Financial) ROE % Adjusted to Book Value: 11.39% (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

AMFC AMB Financial Corp AMFC
54 GF Score
Price $34.77
GF Value $28.15
Valuation Modestly Overvalued
! 6 Warning Signs
View Full Analysis

What is AMB Financial ROE % Adjusted to Book Value?

AMB Financial AMFC 54 ROE % Adjusted to Book Value is 11.39% as of Jun. 2026. GuruFocus rates AMFC with a GF Score™ of 54/100 and a GF Value™ of $28.15 (Modestly Overvalued). The stock has 6 warning signs investors should review.

AMB Financial's ROE % for the quarter that ended in Jun. 2026 was 9.68%. AMB Financial's PB Ratio for the quarter that ended in Jun. 2026 was 0.85. AMB Financial's ROE % Adjusted to Book Value for the quarter that ended in Jun. 2026 was 11.39%.


AMB Financial ROE % Adjusted to Book Value Related Terms


AMB Financial ROE % Adjusted to Book Value Historical Data

* Premium members only.

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
Get a 7-Day Free Trial Premium Member Only Premium Member Only 16.73 17.26 13.52 14.03 13.33

AMB Financial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 14.97 16.26 13.97 14.05 11.39

AMFC vs CDAB, WVFC, ELMA: 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.


AMFC
54GF Score
AMB Financial Corp AMFC
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

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 Jun. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=9.68% / 0.85
=11.39%

* 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.

What does a ROE % Adjusted to Book Value of 11.39% mean?
AMB Financial (AMFC) has a ROE % Adjusted to Book Value of 11.39% as of Jun. 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 11.39%. Overall, AMB Financial has a GF Score™ of 54/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does AMB Financial's ROE % Adjusted to Book Value compare to CDAB and WVFC?
AMB Financial's ROE % Adjusted to Book Value of 11.39% 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 11.39%. 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 Modestly Overvalued. The stock's GF Value™ is $28.15, compared to a current price of $34.77 — trading 23.5% above its estimated fair value. The current ROE % Adjusted to Book Value is 11.39%. AMB Financial's overall GF Score™ is 54/100 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 11.39% as of Jun. 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 $34.77 is trading 23.5% above its estimated GF Value™ of $28.15. GuruFocus considers AMB Financial to be Modestly Overvalued.

Key valuation signals for AMFC:

  • ROE % Adjusted to Book Value: 11.39%
  • GF Value™: $28.15 vs. price of $34.77 (23.5% above fair value)
  • GF Score™: 54/100 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

Address 7880 Wicker Avenue, Suite 101, Saint John, IN, USA, 46373
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.
54GF Score

Get the complete analysis for AMFC

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

$34.77
Price
$28.15
GF Value