AMB FinancialAMFC +0.49%51 5-Year Yield-on-Cost % is 0.82 as of Jul. 06, 2026, which is 21% below its 10-year median of 1.04. GuruFocus rates AMFC with a GF Score™ of 51/100 and a GF Value™ of $26.02 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,256 Banks companies, AMB Financial ranks worse than 93.95% on this metric.
AMB Financial's yield on cost for the quarter that ended in Mar. 2026 was 0.82.
The historical rank and industry rank for AMB Financial's 5-Year Yield-on-Cost % or its related term are showing as below:
AMFC'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.22 Med: 1.04 Max: 1.31
Current: 0.82
During the past 13 years, AMB Financial's highest Yield on Cost was 1.31. The lowest was 0.22. And the median was 1.04.
AMFC's 5-Year Yield-on-Cost % is ranked worse than 93.95% of 1256
companies
in the Banks industry
Industry Median: 3.89
vs AMFC: 0.82
AMB Financial (OTCPK:AMFC) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
AMB Financial 5-Year Yield-on-Cost % Related Terms
AMFC vs CDAB, IBWC, ELMA: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, AMB Financial's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, AMB Financial's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where AMB Financial's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of AMB Financial is calculated as
AMB Financial (AMFC) has a 5-Year Yield-on-Cost % of 0.82 as of Jul. 06, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on AMB Financial and its competitors. This is 21% below median its historical median of 1.04. Over the past decade, AMB Financial's 5-Year Yield-on-Cost % has ranged from 0.22 to 1.31. According to the industry distribution chart, AMB Financial ranks #1180 out of 1256 companies in the Banks industry, placing it in the top 93.9%.
Is AMB Financial's 5-Year Yield-on-Cost % too high?
AMB Financial's current 5-Year Yield-on-Cost % of 0.82 is 21% below median its 10-year median of 1.04. Over the past 10 years, this metric has ranged from a low of 0.22 to a high of 1.31. The Banks industry median 5-Year Yield-on-Cost % is 3.89. AMB Financial's value of 0.82 is 78.9% below this industry median. Based on the distribution chart, AMB Financial ranks #1180 out of 1256 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 5-Year Yield-on-Cost % compare to CDAB and IBWC?
According to the Banks industry distribution chart, AMB Financial ranks #1180 out of 1256 companies for 5-Year Yield-on-Cost %. This places AMB Financial in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.89. AMB Financial's value of 0.82 is 78.9% below this benchmark. Historically, AMB Financial's own 5-Year Yield-on-Cost % has ranged from 0.22 to 1.31 over the past decade. While the company's 10-year median is 1.04 vs. the industry median of 3.89, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.89, based on 1,256 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AMB Financial's current 5-Year Yield-on-Cost % of 0.82 is 78.9% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on AMB Financial and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AMB Financial's current 5-Year Yield-on-Cost % is 0.82, which is 21% below median its own 10-year median of 1.04. 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 $26.02, compared to a current price of $34.49 — trading 32.6% above its estimated fair value. The current 5-Year Yield-on-Cost % is 0.82, which is 21% below median its 10-year median of 1.04 and 78.9% below the Banks industry median of 3.89. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For AMB Financial (AMFC), the current 5-Year Yield-on-Cost % is 0.82 as of Jul. 06, 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 $34.49 is trading 32.6% above its estimated GF Value™ of $26.02.
GuruFocus considers AMB Financial to be Significantly Overvalued.
Key valuation signals for AMFC:
5-Year Yield-on-Cost %: 0.82 (21% below median its 10-year median of 1.04)
GF Value™: $26.02 vs. price of $34.49 (32.6% above fair value)
Industry Position: 78.9% below the Banks median (#1180 of 1256)
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
Get the complete analysis for AMFC
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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