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.
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.
AMB FinancialAMFC 54 Shiller PE Ratio is 12.51 as of Aug. 13, 2026, which is 3% above its 10-year median of 12.15. GuruFocus rates AMFC with a GF Score™ of 54/100 and a GF Value™ of $28.22 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,241 Banks companies, AMB Financial ranks better than 59.39% on this metric.
As of today (2026-08-13), AMB Financial's current share price is $34.77. AMB Financial's E10 for the quarter that ended in Jun. 2026 was $2.78. AMB Financial's Shiller PE Ratio for today is 12.51.
The historical rank and industry rank for AMB Financial's Shiller PE Ratio or its related term are showing as below:
AMFC'
s Shiller PE Ratio Range Over the Past 10 Years
Min: 8.57 Med: 12.15 Max: 19.04
Current: 12.52
During the past years, AMB Financial's highest Shiller PE Ratio was 19.04. The lowest was 8.57. And the median was 12.15.
AMFC's Shiller PE Ratio is ranked better than 59.39% of 1241
companies
in the Banks industry
Industry Median: 13.96
vs AMFC: 12.52
E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.
AMB Financial's adjusted earnings per share data for the three months ended in Jun. 2026 was $0.960. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is $2.78 for the trailing ten years ended in Jun. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
AMB Financial (OTCPK:AMFC) Shiller PE Ratio Explanation
Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.
Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.
Be Aware
Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.
AMB Financial Shiller PE Ratio Related Terms
AMB Financial Shiller PE Ratio Historical Data
* Premium members only.
The historical data trend for AMB Financial's Shiller PE 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 CDAB, WVFC, ELMA: Shiller PE Ratio Comparison
For the Banks - Regional subindustry, AMB Financial's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, AMB Financial's Shiller PE Ratio distribution charts can be found below:
* The bar in red indicates where AMB Financial's Shiller PE Ratio falls into.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.
AMB Financial's Shiller PE Ratio for today 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's E10 for the quarter that ended in Jun. 2026 is calculated as:
For example, AMB Financial's adjusted earnings per share data for the three months ended in Jun. 2026 was:
Add all the adjusted EPS together and divide 10 will get our E10.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
AMB Financial (AMFC) has a Shiller PE Ratio of 12.51 as of Aug. 13, 2026. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on AMB Financial and its competitors. This is near median its historical median of 12.15. Over the past decade, AMB Financial's Shiller PE Ratio has ranged from 8.57 to 19.04. According to the industry distribution chart, AMB Financial ranks #504 out of 1241 companies in the Banks industry, placing it in the top 40.6%.
Is AMB Financial's Shiller PE Ratio too high?
AMB Financial's current Shiller PE Ratio of 12.51 is near median its 10-year median of 12.15. Over the past 10 years, this metric has ranged from a low of 8.57 to a high of 19.04. The Banks industry median Shiller PE Ratio is 13.96. AMB Financial's value of 12.51 is 10.4% below this industry median. Based on the distribution chart, AMB Financial ranks #504 out of 1241 companies in the Banks industry, which is above the industry midpoint. 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 Shiller PE Ratio compare to CDAB and WVFC?
According to the Banks industry distribution chart, AMB Financial ranks #504 out of 1241 companies for Shiller PE Ratio. This puts AMB Financial in the upper half of its industry. The industry median Shiller PE Ratio is 13.96. AMB Financial's value of 12.51 is 10.4% below this benchmark. Historically, AMB Financial's own Shiller PE Ratio has ranged from 8.57 to 19.04 over the past decade. While the company's 10-year median is 12.15 vs. the industry median of 13.96, 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 Shiller PE Ratio for a Banks company?
The median Shiller PE Ratio among Banks companies is 13.96, based on 1,241 companies in the industry. Companies in the top quartile (top 25%) have a Shiller PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Shiller PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AMB Financial's current Shiller PE Ratio of 12.51 is 10.4% 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 Shiller PE Ratio mean?
A high Shiller PE Ratio can signal that a stock is expensive relative to its fundamentals. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on AMB Financial and its competitors. For the Banks industry, the median Shiller PE Ratio is 13.96 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AMB Financial's current Shiller PE Ratio is 12.51, which is near median its own 10-year median of 12.15. 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 $28.22, compared to a current price of $34.77 — trading 23.2% above its estimated fair value. The current Shiller PE Ratio is 12.51, which is near median its 10-year median of 12.15 and 10.4% below the Banks industry median of 13.96. 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 Shiller PE Ratio calculated?
Shiller PE Ratio is calculated from a company's financial statements. For AMB Financial (AMFC), the current Shiller PE Ratio is 12.51 as of Aug. 13, 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 23.2% above its estimated GF Value™ of $28.22.
GuruFocus considers AMB Financial to be Modestly Overvalued.
Key valuation signals for AMFC:
Shiller PE Ratio: 12.51 (near median its 10-year median of 12.15)
GF Value™: $28.22 vs. price of $34.77 (23.2% above fair value)
Industry Position: 10.4% below the Banks median (#504 of 1241)
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.
54GF Score
Get the complete analysis for AMFC
Shiller PE 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 
