Financial Contrast: AMB Financial (OTCMKTS:AMFC) & Northpointe Bancshares (NYSE:NPB)

AMB Financial (OTCMKTS:AMFC) and Northpointe Bancshares (NYSE:NPB) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their earnings, valuation, institutional ownership, risk, profitability, dividends and analyst recommendations.

Dividends

AMB Financial pays an annual dividend of $0.28 per share and has a dividend yield of 1.1%. Northpointe Bancshares pays an annual dividend of $0.03 per share and has a dividend yield of 0.2%.

Profitability

This table compares AMB Financial and Northpointe Bancshares’ 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
Northpointe Bancshares	N/A	N/A	N/A

Analyst Ratings

This is a breakdown of current ratings for AMB Financial and Northpointe Bancshares, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
AMB Financial	0	0	0	0	0.00
Northpointe Bancshares	0	1	2	0	2.67

Northpointe Bancshares has a consensus price target of $18.25, suggesting a potential upside of 0.22%. Given Northpointe Bancshares’ stronger consensus rating and higher probable upside, analysts clearly believe Northpointe Bancshares is more favorable than AMB Financial.

Insider & Institutional Ownership

1.2% of AMB Financial shares are owned by institutional investors. 37.7% of AMB Financial shares are owned by company insiders. Comparatively, 18.4% of Northpointe Bancshares shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Earnings and Valuation

This table compares AMB Financial and Northpointe Bancshares”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	1.22	$2.19 million	N/A	N/A
Northpointe Bancshares	$390.45 million	1.60	$55.16 million	N/A	N/A

Northpointe Bancshares has higher revenue and earnings than AMB Financial.

Summary

Northpointe Bancshares beats AMB Financial on 6 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 Northpointe Bancshares

Northpointe Bancshares, Inc. operates as a bank holding company. It offers a nationwide mortgage purchase program, residential mortgage loans, digital deposit banking to retail customers and custodial deposit services. The company was founded by Charles A. Williams in 1998 and is headquartered in Grand Rapids, MI.