AMB Financial Corp

AMB Financial Corp maintains a liquidity position with a debt-to-equity ratio of 0.11, indicating a relatively low leverage profile compared to industry norms. The company's free cash flow of $624,000 supports operational flexibility, though its net cash position is negative after subtracting total debt, signaling potential liquidity constraints.

Profitability metrics show a return on equity of 1.92% and a return on assets of 0.15%. These figures are below the typical performance benchmarks for banks, suggesting that the company may be underperforming in terms of capital efficiency and asset utilization relative to its peers.

AMB Financial Corp's revenue is concentrated within its core banking operations, with no disclosed geographic diversification or segment breakdown in the provided data. This lack of segmentation detail limits the ability to assess exposure to specific markets or product lines.

The company's growth trajectory is not clearly defined in the available data, as there are no forward-looking revenue projections or historical growth rates provided. The absence of a detailed outlook makes it difficult to assess the company's future performance or strategic direction.

Risk factors include a medium liquidity risk, primarily due to the negative net cash position after accounting for total debt. The company's dilution risk is assessed as low, with no immediate pressure from share issuance or other dilutive events.

Recent events and filings are not detailed in the provided data, so no specific recent developments can be cited.

Revenue surged 21.4% year-over-year to $12.4 million, demonstrating strong top-line growth momentum for the financial institution.

Net income jumped 39.1% to $3.42 million, significantly outpacing revenue growth and indicating improved operational efficiency.

Free cash flow increased 32.2% to $3.34 million, providing robust liquidity for potential dividends or strategic investments.

The company exhibits best-in-class cash conversion at 4.72, far exceeding the bank cohort median of 1.13.

Total assets grew 2.2% year-over-year to $381 million, reflecting steady balance sheet expansion and market presence.

Return on equity stands at a weak 1.92%, placing the firm in the bottom quartile of its banking cohort.

Return on assets is merely 0.15%, signaling extremely poor capital efficiency compared to industry peers like JPMorgan.

Net income declined at a 2.5% CAGR over four years, masking underlying long-term earnings instability despite recent growth.

The company faces medium liquidity risk, which could constrain operational flexibility or increase funding costs during market stress.

Revenue $3.4M, +23,1% YoY; Net income +25,3% YoY.

• ▍Revenue $3.4M, +23,1% YoY
• ▍Net income +25,3% YoY
• ▍Free cash flow +28,7% YoY
• ▍Net margin 30.8%

Revenue $9.8M, −6,5% YoY; Net income −31,1% YoY.

• ▍Revenue $9.8M, −6,5% YoY
• ▍Net income −31,1% YoY
• ▍Free cash flow −26,7% YoY
• ▍Net margin 22.3%

Revenue $10.5M, +12,3% YoY; Net income −15,9% YoY.

• ▍Revenue $10.5M, +12,3% YoY
• ▍Net income −15,9% YoY
• ▍Free cash flow −25,0% YoY
• ▍Net margin 30.2%

Revenue $9.4M; Net margin 40.4%.

• ▍Revenue $9.4M
• ▍Net margin 40.4%