Amalgamated Financial Corp. AMAL R2K

Financial Services · Banks - Regional · United States

https://www.amalgamatedbank.com

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.

Market & Price

Market Cap

$1.24B

Current Price

$41.48

High / Low (52W)

$43.42 / $24.92

Beta

0.81

Valuation

Stock P/E

12.06

Industry PE

12.01

Forward P/E

9.18

PEG Ratio

Book Value

$27.05

Price to Book

1.53

P/S

3.92

EV/EBITDA

Dividend Yield

1.49%

Profitability & Returns

ROCE

ROE

13.56%

ROA

1.20%

Profit Margin

33.12%

Op Margin

43.99%

EPS (Latest Qtr)

$0.84

EPS (TTM)

$3.44

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$81.28M

Total Assets

$8.87B

Current Assets

Working Capital

Ownership

Promoter Holding

40.04%

Chg in Prom Hold

0.00%

FII / Inst Holding

62.15%

Chg in FII Hold

0.01%

Financial Snapshot

Enterprise Value

$1.07B

Total Revenue (TTM)

$315.97M

EBITDA

Free Cash Flow

Operating Cash Flow

$158.34M

Shares Outstanding

29.87M

Gross Margin

0.00%

Payout Ratio

17.15%

Growth (CAGR)

Revenue 5Y

7.43%

Profit 5Y

8.63%

Revenue (YoY)

4.70%

Earnings (YoY)

3.70%

PROS

Excellent profit margin of 33.1%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

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

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	AMAL Amalgamated Financial Corp. R2K	41.48	12.06	$1.24B	1.49%	-	13.56%	7.43%	8.63%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	79.49M	80.88M	85.01M	85.07M	92.82M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	30.11M	31.19M	33.14M	30.00M	29.16M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	34.74M	35.46M	36.69M	33.27M	34.07M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	9.71M	9.47M	9.90M	6.63M	8.84M
Net Income	-	-	-	-	9.54M	10.37M	12.48M	-	12.19M	10.41M	14.42M	14.16M	19.61M	22.94M	21.34M	21.64M	22.31M	27.25M	26.75M	27.94M	-	25.03M	25.99M	26.79M	26.64M	25.22M
Diluted EPS	0.33	0.35	0.41	0.37	0.30	0.33	0.40	0.44	0.39	0.33	0.46	0.45	0.63	0.74	0.69	0.70	0.73	0.89	0.87	0.90	0.79	0.81	0.84	0.88	-	0.84

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	266.51M	285.71M	316.48M	330.46M
Cost of Revenue	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	18.65M	96.77M	118.87M	124.44M
Pretax Income	-	-	-	-	108.16M	124.73M	145.59M	140.16M
Tax Provision	-	-	-	-	26.69M	36.75M	39.16M	35.71M
Net Income	44.65M	47.20M	46.19M	-	81.48M	87.98M	106.43M	104.45M
Diluted EPS	1.46	1.47	1.48	1.68	2.61	2.86	3.44	-

Compounded Sales Growth

5 Years:	7.43%
1 Year:	4.70%

Compounded Profit Growth

5 Years:	8.63%
1 Year:	3.70%

Stock Price Performance

1 Year:	+39.81%
6 Months:	+39.02%
3 Months:	+8.22%
1 Month:	+3.18%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	5.33B	5.98B	7.08B	7.84B	7.97B	8.26B	8.87B
Current Assets	-	-	-	-	-	-	-	-	-
Cash & Equivalents	-	-	122.54M	38.77M	330.49M	63.54M	90.57M	60.75M	291.22M
Inventory	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	41.44M	55.48M	61.17M	65.13M
Total Liabilities	-	-	4.83B	5.44B	6.51B	7.33B	7.39B	7.55B	8.08B
Current Liabilities	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	75.00M	0	-	657.71M	304.93M	314.40M	69.60M
Total Debt	-	-	-	-	-	698.49M	335.57M	334.13M	81.86M
Total Equity	344.07M	439.37M	490.41M	535.69M	563.74M	508.82M	585.23M	707.65M	794.46M
Shares Outstanding	-	-	-	-	-	30.70M	30.74M	30.81M	31.05M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	31.02M	83.46M	65.77M	-	147.32M	117.22M	124.06M	135.78M
Investing Cash Flow	-258.31M	-545.88M	-755.14M	-	-1.20B	-134.41M	-315.95M	-378.02M
Financing Cash Flow	191.67M	504.12M	605.60M	-	788.22M	44.21M	162.06M	472.70M
Capital Expenditure	-1.43M	-753.00K	-1.61M	-	-1.67M	-1.48M	-1.77M	-1.38M
Free Cash Flow	29.59M	82.71M	64.16M	-	145.65M	115.75M	122.29M	134.40M
Net Change in Cash	-	-	-	-	-266.94M	27.03M	-29.82M	230.47M
Share Buybacks	0	5.79M	7.00M	2.92M	12.48M	8.31M	1.13M	32.35M
Dividends Paid	1.93M	8.30M	9.99M	9.98M	11.21M	12.33M	14.23M	17.20M

Ratios (Annual)

Figures in %.

Metric	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 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

40.04%

Institutions

62.15%

Public Float

103.65%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	11.61%	3.47M	$143.81M
2	Dimensional Fund Advisors LP	4.70%	1.40M	$58.27M
3	Nomura Asset Management International Inc	3.96%	1.18M	$49.06M
4	Adage Capital Partners GP L.L.C.	2.81%	840.11K	$34.85M
5	Vanguard Capital Management LLC	2.75%	821.59K	$34.08M
6	Alliancebernstein L.P.	2.52%	751.42K	$31.17M
7	State Street Corporation	2.51%	748.93K	$31.07M
8	American Century Companies Inc	2.23%	667.00K	$27.67M
9	Geode Capital Management, LLC	1.91%	571.09K	$23.69M
10	Vanguard Portfolio Management LLC	1.49%	443.98K	$18.42M

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