Critical Contrast: AMB Financial (OTCMKTS:AMFC) vs. Equitable Financial (OTCMKTS:EQFN)

Insider & Institutional Ownership

1.2% of AMB Financial shares are owned by institutional investors. Comparatively, 7.2% of Equitable Financial shares are owned by institutional investors. 37.7% of AMB Financial shares are owned by company insiders. Comparatively, 11.3% of Equitable Financial shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Volatility and Risk

AMB Financial has a beta of 0.25, meaning that its stock price is 75% less volatile than the S&P 500. Comparatively, Equitable Financial has a beta of 0.06, meaning that its stock price is 94% less volatile than the S&P 500.

Profitability

This table compares AMB Financial and Equitable Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
AMB Financial	N/A	N/A	N/A
Equitable Financial	8.66%	5.81%	0.54%

Earnings and Valuation

This table compares AMB Financial and Equitable Financial”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
AMB Financial	$18.97 million	1.04	$2.19 million	N/A	N/A
Equitable Financial	$31.33 million	1.06	$2.71 million	N/A	N/A

Equitable Financial has higher revenue and earnings than AMB Financial.

Summary

Equitable Financial beats AMB Financial on 7 of the 9 factors compared between the two stocks.

About AMB Financial

AMB Financial Corp. operates as the bank holding company for American Community Bank of Indiana that provides financial services to customers in Indiana. The company provides savings, checking, health savings, individual retirement, and money market deposit accounts, as well as certificates of deposit. It offers business checking accounts, business debit and credit cards, and order business checks. In addition, the company offers mortgage loans, home equity loans, construction/lot loans, community loans, vehicle loans, and loan servicing; and commercial loans, commercial real estate loans, and SBA loans. Further, it provides merchant, remote deposit, wire services, fraud protection, and ACH origination; sweep services, zero balance accounts, lockbox services, vault services, and wealth management services; online, mobile, voice, and banking services; money order and e-statement services; cashier’s checks; and safe deposit boxes. The company was founded in 1910 and is headquartered in Saint John, Indiana.

About Equitable Financial

Equitable Financial Corp. operates as the holding company for Equitable Bank that provides various banking products and services in Nebraska, the United States. The company offers checking and savings accounts; recorder checks; online and mobile banking; remote deposit capture; voice banking; credit card processing; debit and gift cards; and safe deposit boxes. It also provides home, home equity, auto, personal, real estate and construction, operating lines of credit, small business administration, and agricultural loans, as well as equipment financing. In addition, the company offers foreign currency and exchanges; financial planning; wealth management; investment advisory; and retirement services. It operates through branches located in Grand Island, North Platte, and Omaha. The company was founded in 1882 and is headquartered in Grand Island, Nebraska.