Stock fact sheet · data as of
AMB Financial Corp. (AMFC): fair value, margin of safety and Wheel Score
Ticker symbol AMFC · Financial Services · Banks - Regional · United States · Blend
Is AMFC undervalued?
AMB Financial Corp. (AMFC) closed at 42.00 on 5 Nov 2026, close to the GLS average fair value of 43.88 (4.3% below fair value). 5 of the 9 models that produced a number sit above the price, 4 below - the market and our models roughly agree. With little margin of safety either way, the case for or against the stock rests on the quality numbers and the option premium rather than on price.
There is a wide gap between DDM (4.12) and 10 Cap (78.97). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
Ranked against every other company we cover, neither cheapness nor growth clearly wins for AMFC, so the nightly engine files it under Blend (value score 64, growth score 45, out of 100).
Nine valuation models for AMFC
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 32.30 | -23% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 61.88 | +47% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 65.28 | +55% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 15.55 | -63% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 34.47 | -18% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 78.97 | +88% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 55.76 | +33% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 4.12 | -90% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 46.61 | +11% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -378.70 | -1002% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
AMB Financial Corp. scores only 4 of 9 on the Piotroski F-score, which fails the "Piotroski 6 or more" Wheel Trade Filter. A reading this low means several of the basic tests - positive earnings, positive operating cash flow, falling debt, no new share issuance - are not met. On durability AMFC scores 6.1/10 on the GLS Moat - a middle reading; the Moat Score tab on the Quote page's Financials view shows which of the four parts hold it back.
Returns on capital are moderate - ROIC 9.2%, ROE 10.0%, ROA 0.9% - with debt at 0.09 times equity and a free-cash-flow yield of 5.8%.
The dividend yield is 0.67% with a payout ratio of 7% - a small yield that leaves most of the earnings in the business.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 4 / 9 | ROIC | 9.2% |
|---|---|---|---|
| GLS Moat | 6.1 / 10 | ROE | 10.0% |
| Debt / equity | 0.09 | ROA | 0.9% |
| Free-cash-flow yield | 5.8% | Payout ratio | 7% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 20: No options
No options are listed on AMB Financial Corp. in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 20, under 70) and is left out of every options scan; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 0k shares a day on a market cap of $38M, with a beta of 0.16 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Fails | Piotroski 4/9 (under 6) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $38M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Weak | 4% below fair value | |
| Premium | Weak | no option data | |
| Moat | Good | moat 6.1/10 | |
| Health | Fair | Piotroski 4/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.16, $38M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for AMFC in the nightly calendar. The shares go ex-dividend on 1 Dec 2026 (0.0700 per share), so a covered call sold before then carries a small early-assignment risk around that date.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to AMB Financial Corp. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| EXCH Exchange Bankshares, Inc. | 64.30 | 90.79 | +29% | 33No options | $38M |
| PFBN Pacific Alliance Bank | 11.87 | 8.19 | -45% | 17No options | $38M |
| RBNK RiverBank Holding Company | 34.19 | 91.78 | +63% | 31No options | $39M |
| QNTO Quaint Oak Bancorp, Inc. | 14.75 | 42.53 | +65% | 33No options | $39M |
| ANDC Andover Bancorp, Inc. | 19.76 | 29.74 | +34% | 31No options | $39M |
| FMFP First Community Financial Corporation | 12.93 | 10.30 | -26% | 15No options | $37M |
| FPBC First Pacific Bancorp | 8.30 | 15.34 | +46% | 28No options | $36M |
| FRFC First Robinson Financial Corporation | 78.00 | 212.23 | +63% | 31No options | $40M |
| FBPA The Farmers Bank of Appomattox | 33.00 | 43.42 | +24% | 30No options | $36M |
| EFSG Enterprise Financial Services Group, Inc. | 29.70 | 37.64 | +21% | 28No options | $36M |
| CYSM Community Bancorp of Santa Maria | 18.65 | 29.30 | +36% | 35No options | $41M |
| HRBK Harbor Bankshares Corporation | 28.95 | 29.03 | +0% | 19No options | $35M |
⚖ Compare AMFC with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about AMFC
Is AMFC undervalued right now?
Not meaningfully: at 42.00 the stock trades within a few percent of the GLS average fair value of 43.88 (4.3% below fair value, data as of 5 Nov 2026).
What is the Wheel Score of AMFC and what does it mean?
AMFC has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for AMFC?
43.88 per share as of 5 Nov 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does AMB Financial Corp. report earnings next?
No upcoming earnings date is recorded for AMFC in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does AMFC have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on AMFC, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.