Suruga Bank (OTCMKTS:SUGBY) and AMB Financial (OTCMKTS:AMFC) Financial Contrast

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Suruga Bank	27.03%	9.01%	0.78%
AMB Financial	N/A	N/A	N/A

Volatility and Risk

Suruga Bank has a beta of -0.03, suggesting that its stock price is 103% less volatile than the S&P 500. Comparatively, AMB Financial has a beta of 0.16, suggesting that its stock price is 84% less volatile than the S&P 500.

Insider & Institutional Ownership

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

Earnings and Valuation

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Suruga Bank	$598.19 million	2.28	$133.17 million	$9.76	8.20
AMB Financial	$23.37 million	1.28	$3.42 million	N/A	N/A

Suruga Bank has higher revenue and earnings than AMB Financial.

Dividends

Suruga Bank pays an annual dividend of $2.09 per share and has a dividend yield of 2.6%. AMB Financial pays an annual dividend of $0.28 per share and has a dividend yield of 0.8%. Suruga Bank pays out 21.4% of its earnings in the form of a dividend.

Summary

Suruga Bank beats AMB Financial on 7 of the 11 factors compared between the two stocks.

About Suruga Bank

Suruga Bank Ltd. provides various banking and financial products and services to individuals and corporate customers in Japan. The company offers deposit products, such as time, ordinary, savings, foreign currency, and other deposits, as well as current and general accounts; card, housing, second house, startup, and business up term loans, as well as loans by purpose; credit and debit cards; overdrafts; and other financing products. It also provides investment trust, public bond, pension contribution, insurance, inheritance/trust, lottery, foreign currency, pay-easy, web direct, safe deposit box, external linkage, foreign remittance, fund management, e-combination, payment, nursing care/medical care/dispensing compensation receivable factoring, mortgage, and Internet and telephone banking services. In addition, the company offers staffing, money lending, guarantee, printing, leasing, and agency services. The company was incorporated in 1895 and is headquartered in Numazu, Japan.

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.