Amalgamated Financial Corp. AMAL R2KR3KFINANCIAL
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
Net profit has compounded at 15.2% per year over the last five years.
Trades at a P/E of 13.5, below the sector median of 13.6.
Maintains a net profit margin of 34.0%.
Carries low leverage with a debt-to-equity ratio of 0.10.
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.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)68.21 · Neutral
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.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
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.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
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. 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 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 | Jun 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 | 34.77M |
| 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 | 1.15 |
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 | - | 2.61 | 2.86 | 3.44 | 3.41 |
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
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 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
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for AMAL
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…
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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…
Amalgamated Financial (AMAL) Q3 2026 Earnings Call Transcript
Record net interest income and core revenue drove earnings to $1.14 per share.
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…
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.
Amalgamated Financial (AMAL) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates
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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.