AMFC (AMB Financial) Scaled Net Operating Assets: 0.04 (As of Mar. 2026)


AMFC AMB Financial Corp AMFC
51 GF Score
Price $34.32
GF Value $25.97
Valuation Significantly Overvalued
! 6 Warning Signs
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What is AMB Financial Scaled Net Operating Assets?

AMB Financial AMFC +0.36% 51 Scaled Net Operating Assets is 0.04 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

AMB Financial's operating assets for the quarter that ended in Mar. 2026 was $352.92 Mil. AMB Financial's operating liabilities for the quarter that ended in Mar. 2026 was $338.45 Mil. AMB Financial's Total Assets for the quarter that ended in Dec. 2025 was $381.01 Mil. Therefore, AMB Financial's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.04.

AMFC
51GF Score
AMB Financial Corp AMFC
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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AMB Financial Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

AMB Financial's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(349.446-343.708)/372.765
=0.02

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=381.006 - 31.56
=349.446

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=346.801 - 3.093 - 0
=343.708

AMB Financial's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(352.917-338.446)/381.006
=0.04

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=376.666 - 23.749
=352.917

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=341.539 - 3.093 - 0
=338.446

* 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 Scaled Net Operating Assets of 0.04 mean?
AMB Financial (AMFC) has a Scaled Net Operating Assets of 0.04 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on AMB Financial and its competitors.
Is AMB Financial's Scaled Net Operating Assets too high?
AMB Financial's current Scaled Net Operating Assets is 0.04. 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 Scaled Net Operating Assets compare to CNBZ and IBWC?
AMB Financial's Scaled Net Operating Assets of 0.04 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on AMB Financial and its competitors. AMB Financial's current Scaled Net Operating Assets is 0.04. 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 Scaled Net Operating Assets is 0.04. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For AMB Financial (AMFC), the current Scaled Net Operating Assets is 0.04 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:

  • Scaled Net Operating Assets: 0.04
  • 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

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.
51GF Score

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$34.32
Price
$25.97
GF Value