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Amalgamated Financial Corp. AMAL R2KR3KFINANCIAL

Financial Services · Banks - Regional · United States
https://www.amalgamatedbank.com
Company Profile ↓
$50.50
+72.77% 1Y
Mkt Cap$1.51B
P/E13.47
P/B1.67
Div. Yield1.46%
52W High$51.08
52W Low$24.83
Book Value$27.93
EPS (TTM)$3.75

Company Overview

Amalgamated Financial Corp. operates as the bank holding company for Amalgamated Bank that provides commercial and retail banking, investment management, and trust and custody services in the United States. It accepts various deposit products, including non-interest-bearing accounts, interest-bearing demand products, savings accounts, money market accounts, NOW accounts, time deposits, and certificates of deposit. The company also provides commercial and industrial, multifamily mortgage, commercial real estate, residential real estate mortgage, consumer solar, and consumer and other loans. In addition, it offers online banking, bill payment, online cash management, safe deposit box rentals, debit card, and ATM card services; and trust, custody, and investment management services, including asset safekeeping, corporate actions, income collections, proxy services, account transition, asset transfers, and conversion management. Further, the company provides investment products, such as index and actively-managed funds, which include equity, fixed-income, real estate, and alternative investments; and investment, brokerage, asset management, and insurance products, as well as lending services. Amalgamated Financial Corp. was founded in 1923 and is headquartered in New York, New York.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 15.2% per year over the last five years.

Reasonable Valuation

Trades at a P/E of 13.5, below the sector median of 13.6.

Healthy Margins

Maintains a net profit margin of 34.0%.

Conservative Balance Sheet

Carries low leverage with a debt-to-equity ratio of 0.10.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $330.46M (+4.4% YoY); net profit $104.45M.
  • Trailing 12 Months Year-on-year growth — revenue +23.5%, earnings +36.9%.
  • 5-Year Trend Long-term compounding — revenue CAGR 7.4%, profit CAGR 15.2%.

Growth & Price Performance

Compounded Sales Growth

5 Years:7.43%
1 Year:23.50%

Compounded Profit Growth

5 Years:15.21%
1 Year:36.90%

Stock Price Performance

1 Year:+72.77%
6 Months:+25.68%
3 Months:+3.39%
1 Month:+6.97%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 98% of range
$24.83 $51.08
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)68.21 · Neutral
Price Performance
1M+6.97%
3M+3.39%
6M+25.68%
1Y+72.77%
Valuation vs Sector

P/E of 13.47 is below the sector median of 13.55 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 34.0%.
  • Profit CAGR of 15.2% over 5 years.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
13.47
Industry PE
13.55
Forward P/E
10.85
PEG Ratio
-
Book Value
$27.93
Price to Book
1.67
P/S
4.17
EV/EBITDA
-
Dividend Yield
1.46%

Growth (CAGR)

Revenue 5Y
7.43%
Profit 5Y
15.21%
Revenue (YoY)
23.50%
Earnings (YoY)
36.90%

Profitability & Returns

ROCE
-
ROE
14.28%
ROA
1.26%
Profit Margin
33.97%
Op Margin
50.84%
Gross Margin
0.00%
EPS (Latest Qtr)
$1.15
EPS (TTM)
$3.75

Balance Sheet & Liquidity

Debt/Equity
0.10
Quick Ratio
-
Current Ratio
-
Debt
$79.60M
Total Assets
$9.41B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
37.08%
Chg in Prom Hold
-1.57%
FII / Inst Holding
60.56%
Chg in FII Hold
-0.05%

Financial Snapshot

Enterprise Value
$1.51B
Total Revenue (TTM)
$333.86M
EBITDA
-
Free Cash Flow
$134.40M
Operating Cash Flow
$163.90M
Shares Outstanding
29.90M
Gross Margin
0.00%
Payout Ratio
16.53%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 AMAL Amalgamated Financial Corp. R2KR3KFINANCIAL 50.50 13.47 $1.51B 1.46% - 14.28% 7.43% 15.21%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 331.58 14.21 $881.40B 1.72% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 542.19 13.64 $763.42B 0.00% - 12.12% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 407.92 34.69 $695.14B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 623.60 34.34 $542.20B 0.62% 60.19% - 12.29% 19.21%
6 BRK-A Berkshire Hathaway Inc. FINANCIAL 813,595.00 13.64 $397.40B 0.00% - 12.12% 7.60% 10.02%
7 BAC Bank of America Corporation SPXR3KFINANCIAL 50.56 11.68 $353.55B 2.39% - 11.20% 3.14% 4.27%
8 HSBC HSBC Holdings plc FINANCIAL 90.68 12.95 $310.38B 3.65% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 179.49 14.51 $281.90B 2.26% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue ---------------------79.49M80.88M85.01M85.07M92.82M-
Cost of Revenue ---------------------------
Gross Profit ---------------------------
Operating Expenses ---------------------------
Operating Income ---------------------------
EBITDA ---------------------------
Interest Expense ---------------------30.11M31.19M33.14M30.00M29.16M-
Pretax Income ---------------------34.74M35.46M36.69M33.27M34.07M-
Tax Provision ---------------------9.71M9.47M9.90M6.63M8.84M-
Net Income ----9.54M10.37M12.48M-12.19M10.41M14.42M14.16M19.61M22.94M21.34M21.64M22.31M27.25M26.75M27.94M-25.03M25.99M26.79M26.64M25.22M34.77M
Diluted EPS 0.330.350.410.370.300.330.400.440.390.330.460.450.630.740.690.700.730.890.870.900.790.810.840.88-0.841.15

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue ----266.51M285.71M316.48M330.46M
Cost of Revenue --------
Gross Profit --------
Operating Expenses --------
Operating Income --------
EBITDA --------
Interest Expense ----18.65M96.77M118.87M124.44M
Pretax Income ----108.16M124.73M145.59M140.16M
Tax Provision ----26.69M36.75M39.16M35.71M
Net Income 44.65M47.20M46.19M-81.48M87.98M106.43M104.45M
Diluted EPS 1.461.471.48-2.612.863.443.41

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --5.33B5.98B7.08B7.84B7.97B8.26B8.87B
Current Assets ---------
Cash & Equivalents --122.54M38.77M330.49M63.54M90.57M60.75M291.22M
Inventory ---------
Receivables -----41.44M55.48M61.17M65.13M
Total Liabilities --4.83B5.44B6.51B7.33B7.39B7.55B8.08B
Current Liabilities ---------
Long Term Debt --75.00M0-657.71M304.93M314.40M69.60M
Total Debt -----698.49M335.57M334.13M81.86M
Total Equity 344.07M439.37M490.41M535.69M563.74M508.82M585.23M707.65M794.46M
Shares Outstanding -----30.70M30.74M30.81M31.05M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 31.02M83.46M65.77M-147.32M117.22M124.06M135.78M
Investing Cash Flow -258.31M-545.88M-755.14M--1.20B-134.41M-315.95M-378.02M
Financing Cash Flow 191.67M504.12M605.60M-788.22M44.21M162.06M472.70M
Capital Expenditure -1.43M-753.00K-1.61M--1.67M-1.48M-1.77M-1.38M
Free Cash Flow 29.59M82.71M64.16M-145.65M115.75M122.29M134.40M
Net Change in Cash -----266.94M27.03M-29.82M230.47M
Share Buybacks 05.79M7.00M2.92M12.48M8.31M1.13M32.35M
Dividends Paid 1.93M8.30M9.99M9.98M11.21M12.33M14.23M17.20M

Ratios (Annual)

Figures in %.

Metric Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % --------
Operating Margin % --------
Net Margin % ----30.6%30.8%33.6%31.6%
ROE % 10.2%9.6%8.6%-16.0%15.0%15.0%13.1%
ROCE % --------

Shareholding Pattern

Insiders
37.08%
Institutions
60.56%
Public Float
96.25%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 11.39% 3.41M $158.65M
2 Dimensional Fund Advisors LP 4.71% 1.41M $65.58M
3 Nomura Asset Management International Inc 3.78% 1.13M $52.68M
4 Vanguard Capital Management LLC 2.78% 830.20K $38.67M
5 Alliancebernstein L.P. 2.65% 793.23K $36.95M
6 American Century Companies Inc 2.50% 747.71K $34.83M
7 State Street Corporation 2.34% 700.20K $32.62M
8 Adage Capital Partners GP L.L.C. 1.92% 575.02K $26.78M
9 Geode Capital Management, LLC 1.79% 536.60K $24.99M
10 First Manhattan Co. LLC 1.33% 396.50K $18.47M

Analyst View

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Latest News

Recent headlines for AMAL

Yahoo Finance Fri, 23 Oct 2026

Amalgamated Financial (AMAL) Stock Slips As Q3 Earnings Power Grows

Amalgamated Financial came into today on a solid run, up over the past month, yet the stock is slightly in the red in Friday trading after its Q3 2026 report. That gap between a soft 1-day move and strong headline numbers is where investors…

Yahoo Finance Fri, 23 Oct 2026

Why is Amalgamated Financial (AMAL) stock rocketing higher today

Shares of socially responsible bank Amalgamated Financial (NASDAQ:AMAL) jumped 5.2% in the afternoon session after the company reported financial results for the third quarter ended September 30, 2026, with revenue and core earnings per sha…

Yahoo Finance hu, 22 Oct 2026

Amalgamated Financial (AMAL) Q3 2026 Earnings Call Transcript

Record net interest income and core revenue drove earnings to $1.14 per share.

Yahoo Finance hu, 22 Oct 2026

What Amalgamated Financial (AMAL) Said on Its Q3 Earnings Call

Amalgamated Financial (NASDAQ:AMAL) reported record third-quarter core net income of $34.6 million, or $1.14 per diluted share, as net revenue surpassed $100 million for the first time, according to executives on the company’s earnings call…

Yahoo Finance hu, 22 Oct 2026

Are Options Traders Betting on a Big Move in Amalgamated Financial Stock?

Investors need to pay close attention to AMAL stock based on the movements in the options market lately.

Yahoo Finance hu, 22 Oct 2026

Amalgamated Financial (AMAL) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

The headline numbers for Amalgamated Financial (AMAL) give insight into how the company performed in the quarter ended September 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago act…

AMAL — Frequently Asked Questions

What is the current share price of Amalgamated Financial Corp. (AMAL)?

As of 2026-10-23 16:27 PDT, Amalgamated Financial Corp. (AMAL) trades at $50.50 on NasdaqGM. Its 52-week range is $24.83 to $51.08.

What is the market capitalisation of AMAL?

Amalgamated Financial Corp. (AMAL) has a market capitalisation of $1.51B on NasdaqGM.

What is the P/E ratio of AMAL?

AMAL trades at a trailing price-to-earnings (P/E) ratio of 13.47. The industry average P/E is 13.55. Its price-to-book (P/B) ratio is 1.67.

Does AMAL pay a dividend?

Amalgamated Financial Corp. (AMAL) currently offers a dividend yield of 1.46%.

What is the return on equity (ROE) of AMAL?

AMAL has a return on equity (ROE) of 14.28%.

Is AMAL a good stock to buy?

This page provides a data-driven analysis of Amalgamated Financial Corp. (AMAL), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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