AMB Financial (OTCMKTS:AMFC) & Central Plains Bancshares (NASDAQ:CPBI) Financial Review

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Central Plains Bancshares	13.97%	4.63%	0.78%
AMB Financial	N/A	N/A	N/A

Volatility & Risk

Central Plains Bancshares has a beta of 0.17, suggesting that its share price is 83% less volatile than the S&P 500. Comparatively, AMB Financial has a beta of 0.13, suggesting that its share price is 87% less volatile than the S&P 500.

Earnings and Valuation

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Central Plains Bancshares	$1.26 million	48.34	$3.76 million	N/A	N/A
AMB Financial	$18.97 million	1.02	$2.19 million	N/A	N/A

Central Plains Bancshares has higher earnings, but lower revenue than AMB Financial.

Institutional & Insider Ownership

24.3% of Central Plains Bancshares shares are owned by institutional investors. Comparatively, 1.2% of AMB Financial shares are owned by institutional investors. 5.4% of Central Plains Bancshares shares are owned by company insiders. Comparatively, 37.7% of AMB Financial shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Summary

Central Plains Bancshares beats AMB Financial on 7 of the 9 factors compared between the two stocks.

About Central Plains Bancshares

Central Plains Bancshares, Inc. focuses on providing various banking products and services to retail customers, and small and medium-sized commercial customers in Nebraska, the United States. It offers checking accounts, savings accounts, and certificate of deposit accounts. The company also provides one- to four-family residential mortgage loans secured by properties, as well as commercial real estate loans, commercial and industrial loans, multi-family residential real estate loans, construction and land development loans, agricultural real estate and non-real estate loans, and consumer loans. In addition, it offers electronic banking services, including mobile banking, on-line banking and bill pay, and electronic funds transfer. The company was incorporated in 2023 and is based in Grand Island, Nebraska.

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.