Comparing Security Bancorp (OTCMKTS:SCYT) and AMB Financial (OTCMKTS:AMFC)

Valuation and Earnings

This table compares AMB Financial and Security Bancorp”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
AMB Financial	$18.97 million	1.33	$2.19 million	N/A	N/A
Security Bancorp	$22.38 million	1.41	$4.06 million	$11.61	7.15

Security Bancorp has higher revenue and earnings than AMB Financial.

Insider and Institutional Ownership

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

Dividends

AMB Financial pays an annual dividend of $0.28 per share and has a dividend yield of 1.0%. Security Bancorp pays an annual dividend of $1.00 per share and has a dividend yield of 1.2%. Security Bancorp pays out 8.6% of its earnings in the form of a dividend.

Risk & Volatility

AMB Financial has a beta of 0.22, indicating that its share price is 78% less volatile than the S&P 500. Comparatively, Security Bancorp has a beta of 0.09, indicating that its share price is 91% less volatile than the S&P 500.

Profitability

This table compares AMB Financial and Security Bancorp’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
Security Bancorp	18.52%	N/A	N/A

Summary

Security Bancorp beats AMB Financial on 5 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 Security Bancorp

Security Bancorp, Inc. operates as the bank holding company for Security Federal Savings Bank that provides banking products and services to individual and corporate customers in Tennessee. The company's deposit products include checking and savings accounts, and certificates of deposit. It also offers consumer loans; mortgage loans; and commercial loans, including installment loans, lines of credit, and real estate lending. In addition, the company provides financial services, as well as online, mobile, and telephone banking services. Security Bancorp, Inc. was founded in 1960 and is headquartered in McMinnville, Tennessee.