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Amalgamated Financial Corp. AMAL

Financial — Banks Regional
Dividend Champion (5y)
Growth Flags show if company had growth for consecutive years

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Insider Decisions

Total sells
84.75
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell 2 1 — 1 4 2 3 — 3 1 4 13
Insider Ownership
38.95%

Capital & Financial Ratios

Market Cap
1,410.00
Revenue
486.02
Net Income
113.42
Free Cash Flow
146.61
Net Debt
(157.30)
Current Ratio
0.64
Debt/Equity
0.08
P/E ratio
12.51
P/S ratio
2.91
P/B ratio
1.70
Past 5Y EPS Growth
18.62%
This Y EPS Growth
10.39%
Next Y EPS Growth
14.94%
Next 5Y EPS Growth
7.31%
in millions of $

Dividends

Payout Ratio
0.14
Annual Dividend Rate
0.40
Annual Dividend Yield
1.66%
total individual payouts
2027 ‡‡‡‡‡
2026 0.68
—
—
—
2025 0.56
—
—
—
—
2024 0.46
—
—
—
—
2023 0.40
—
—
—
—
2022 0.36
—
—
—
—
2021 0.32
—
—
—
—
2020 0.32
—
—
—
—
2019 0.26
—
—
—
—
2018 0.06
—
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 140.57 84.49 339.88 227.06
Receivables — — — —
Inventory — — — —
Other — — — —
4,543.50 4,796.09 5,307.51 5,371.46
2023 2024 2025 Q'26
Payables 7,011.99 7,180.61 7,949.24 8,458.41
ST’ Debt — — — —
Other — — — —
7,011.99 7,180.61 7,949.24 8,458.41
in millions of $

Compound Annual Growth

10y 5y 3y
Sales — ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow — ‡‡‡‡‡ ‡‡‡‡‡
Earnings — ‡‡‡‡‡ ‡‡‡‡‡
Book Value — ‡‡‡‡‡ ‡‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 122.60 129.47 — —
—
’25 107.10 112.12 118.75 115.20
453.17
’24 107.16 108.22 111.76 107.37
434.51
’23 90.14 93.87 98.02 105.39
387.41
’22 57.88 65.92 75.82 82.77
282.39
’21 47.42 48.75 51.50 61.25
208.92
’20 57.75 55.79 60.06 57.50
231.10
in millions of $

Operating Cash Flow

Mar Jun Sep Dec Year
’26 56.78 30.48 — —
—
’25 34.21 24.93 39.50 37.14
135.78
’24 31.26 28.02 35.78 29.01
124.07
’23 34.85 27.26 39.79 15.32
117.22
’22 17.06 51.04 26.16 53.07
147.32
’21 12.14 12.57 28.68 17.14
70.54
’20 17.54 0.20 1.63 46.40
65.77
in millions of $

Free Cash Flow

Mar Jun Sep Dec Year
’26 50.70 19.61 — —
—
’25 32.46 25.64 38.31 38.00
134.40
’24 31.06 27.77 35.19 28.27
122.29
’23 34.59 26.68 39.42 15.06
115.75
’22 16.24 50.93 25.60 52.89
145.65
’21 11.30 11.70 28.19 16.96
68.14
’20 16.70 (0.08) 1.73 45.81
64.16
in millions of $

EPS

Mar Jun Sep Dec Year
’26 0.84 1.15 — —
—
’25 0.81 0.84 0.88 0.88
3.41
’24 0.89 0.87 0.90 0.79
3.44
’23 0.69 0.70 0.73 0.74
2.86
’22 0.45 0.63 0.74 0.80
2.61
’21 0.39 0.33 0.46 0.50
1.68
’20 0.30 0.33 0.40 0.44
1.48

Target Price Range

High
‡‡‡‡‡
‡‡‡‡
Average
‡‡‡‡‡
‡‡‡‡
Low
‡‡‡‡‡
‡‡‡‡

Recommendation Rating

2
1
Buy
2
3
Hold
4
5
Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
— — ‡‡‡‡ ‡‡‡‡‡ ‡‡‡ ‡‡‡‡‡ 15.58 14.05 21.33 25.03 — — —
Low Price
— — ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 27.33 27.77 38.19 37.26 — — —
High Price
— — — — ‡‡‡‡‡ ‡‡‡‡‡ 409 425 429 450 — — —
Employees
‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.69 0.91 1.01 1.01 — — —
Revenue/Emp
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 282.39 387.41 434.51 453.17 ‡‡‡‡‡ ‡‡‡‡‡ —
Revenue
‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 93.40% 75.02% 72.64% 72.54% — — —
Gross Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 108.16 124.73 145.59 140.16 ‡‡‡‡‡ — —
EBT
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 38.30% 32.20% 33.51% 30.93% ‡‡‡ ‡‡‡ —
EBT Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 81.48 87.98 106.43 104.45 ‡‡‡‡‡ ‡‡‡‡‡ —
Net Income
— — ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 10.96 6.40 5.43 6.80 — — —
Depreciation
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 9.16 12.68 14.21 14.94 ‡‡‡‡‡ ‡‡‡‡‡ —
Revenue/Sh
‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡ 2.64 2.88 3.48 3.44 ‡‡‡‡‡ ‡‡‡‡‡ —
Earnings/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 4.78 3.84 4.06 4.48 — — —
Cash Flow/Sh
‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.05) (0.05) (0.06) (0.05) ‡‡‡ ‡‡‡ —
Capex/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 4.73 3.79 4.00 4.43 — — —
Free CF/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 16.51 19.16 23.14 26.20 ‡‡‡‡‡ — —
Book Value/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 30.82 30.56 30.59 30.33 ‡‡‡‡‡ ‡‡‡‡‡ —
Shares
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 8.70 9.22 9.62 9.28 ‡‡‡‡ ‡‡‡‡ —
PE Ratio
‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.53 2.09 2.36 2.14 ‡‡‡ ‡‡‡ —
PS Ratio
‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.40 1.39 1.45 1.22 ‡‡‡ ‡‡‡ —
PB Ratio
‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 4.58 2.90 3.23 1.87 ‡‡‡‡ ‡‡‡‡ —
EV/Sales
‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 8.88 9.71 11.46 6.32 — — —
EV/FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 147.32 117.22 124.07 135.78 ‡‡‡ ‡‡‡ —
Op' Cash Flow
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (1.67) (1.48) (1.77) (1.38) — — —
Capex
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 145.65 115.75 122.29 134.40 — — —
FCF
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (2,395.39) (2,468.49) (2,384.51) (2,641.73) — — —
Working Cap'
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 668.71 304.93 314.41 69.55 — — —
Total Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 579.41 164.36 229.92 (270.33) — — —
Net Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 508.96 585.36 707.65 794.46 — — —
Sh' Equity
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.09% 1.11% 1.31% 1.22% ‡‡‡‡‡ — —
ROA
‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 6.21% 10.40% 9.71% 16.71% — — —
ROIC
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ 15.19% 16.08% 16.46% 13.91% ‡‡‡‡‡ — —
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

Amalgamated Financial Corp. (AMAL), a resilient regional bank emphasizing commercial lending and deposits, has delivered robust growth since its 2021 IPO, with revenues surging 222% to $434.5 million in 2024 and EPS reaching $3.48. Strong operational efficiency—revenue per employee exceeding $1 million—coupled with a rock-solid balance sheet featuring 50% book value growth to $23.14 per share, low net debt, and top-tier ROE of 16.5% have driven the stock from pandemic lows of $7.90 to highs near $38. Free cash flow remains steady at around $4 per share, supporting attractive valuations like a 9.6x PE and 1.45x PB, positioning AMAL as a steady performer amid banking volatility.

However, caution is warranted: recent insider selling totaling over $1.5 million with no buys signals potential caution, aligning with a projected 2025 revenue dip of 24% to $332 million due to normalizing rates and competition. While net income and EPS are forecast to grow modestly into 2027, reaching $4.54, analyst price targets imply limited near-term upside (mean flat to recent levels), echoing past dips like 2020’s pandemic pullback.

For risk-averse retail investors, AMAL offers balance sheet stability and compounding potential at reasonable multiples, but the revenue headwind and insider activity suggest monitoring Q1 2026 earnings closely—scale in on dips below book value for a prudent entry into this defensive regional bank.

Read full commentary →

Amalgamated Financial Corp. (AMAL) Latest News

News by impact score

Fine-tune

2 Sep

3 , 12:00 PM
Amalgamated Financial (AMAL) qualifies as a new buy stock. Buy recommendation may lift short-term investor sentiment for AMAL.

25 Aug

3 , 12:46 PM
Amalgamated Financial Corp. (AMAL) Q2 results are benchmarked against regional bank peers on key metrics including earnings, efficiency and loan growth. Q2 benchmarking provides performance context that may influence near-term sentiment but does not signal major strategic or competitive shifts.

14 Aug

3 , 5:25 PM
Amalgamated Financial Corp. (AMAL) presents two supportive factors for its outlook alongside one area of skepticism that could temper investor views. Mixed positive and negative factors may moderately shape AMAL's market sentiment and trajectory without major shifts.

1 Aug

3 , 1:23 PM
Amalgamated Financial Corp. held its Q2 earnings call, which featured five notable analyst questions on company performance and outlook. Analyst questions from the Q2 earnings call can shape near-term investor views on Amalgamated Financial's results and strategy.

27 Jul

3 , 11:49 AM
Amalgamated Financial Corp. posted Q2 earnings momentum driven by deposit-led growth and technology investments. Deposit growth and technology investments support earnings momentum but remain within normal quarterly developments.

26 Jul

4 , 11:14 AM
Amalgamated Financial reports strong earnings and launches a new buyback program, prompting questions on whether shares are now fully priced. Strong earnings and new buyback program signal robust financial health that could significantly lift stock trajectory and sentiment.

23 Jul

4 app.moby.co, 4:49 PM
Amalgamated Financial Corp. (AMAL) released its Q2 2026 earnings call summary covering financial results, performance metrics and forward outlook. Q2 earnings call and results typically drive material shifts in investor sentiment and stock valuation for the reporting company.

4 www.marketbeat.com, 12:07 PM
Amalgamated Financial Corp. (AMAL) shared key points from its second-quarter earnings call covering financial results and outlook. Q2 earnings call details typically move investor sentiment and directly affect AMAL share price.

4 , 6:41 AM
Amalgamated Financial (NASDAQ:AMAL) reports strong Q2 CY2026 results. Strong quarterly earnings signal improved financial performance and positive investor sentiment for Amalgamated Financial Corp.

4 , 6:25 AM
Amalgamated Financial Corp. reported second quarter 2026 results with record profitability. Net interest margin rose to 3.78%. Company raised guidance. Record profitability, higher margin and raised guidance point to stronger performance and improved investor outlook for Amalgamated Financial Corp.

3 , 7:00 PM
Amalgamated Financial Corp reported record net income in Q2 2026. Record net income indicates stronger financial results that may lift near-term investor sentiment and share price.

21 May

3 Simply Wall St., 9:13 PM
Rising net interest margins and options volatility may be shifting Amalgamated Financial Corp.'s (AMAL) investment narrative and influencing its market performance outlook. Rising net interest margins and options volatility may moderately affect Amalgamated Financial Corp.'s financial performance and investor sentiment.

5 May

3 Simply Wall St., 8:12 AM
Amalgamated Financial Corp. (AMAL) tests AI tool for crime detection amid evolving costs and risks. AI crime tool testing targets compliance and risk management, moderately influencing operations and competitive positioning.

4 May

3 Business Wire, 6:00 PM
FIS partners with Anthropic to introduce agentic AI to banking, starting with financial crimes compliance for Amalgamated Financial Corp. (AMAL). Agentic AI deployment enhances AMAL's financial crimes detection, impacting compliance and operations moderately.

27 Apr

4 , 8:00 AM
Carver Bancorp, Inc. announces slate of highly qualified director candidates for 2026 annual meeting. Carver's competing director slate directly challenges AMAL's acquisition strategy and potential control.

24 Apr

4 GuruFocus.com, 3:14 AM
Amalgamated Financial Corp. (AMAL) reported strong revenue growth in Q1 2026 earnings call highlights. Strong revenue growth in Q1 2026 earnings signals significant positive impact on AMAL's future financial performance and market sentiment.

3 StockStory, 6:05 PM
Amalgamated Financial Corp. (AMAL) Q1 results show strong deposit growth and a credit event overshadowing a profit miss. Q1 profit miss and credit event impact financial performance, balanced by deposit growth.

23 Apr

4 app.moby.co, 4:46 PM
Amalgamated Financial Corp. (AMAL) released Q1 2026 earnings call summary highlighting financial results, performance metrics, and forward guidance. Q1 earnings call details on revenue, profitability, and outlook significantly shape investor sentiment and AMAL's market trajectory.

4 www.marketbeat.com, 12:50 PM
Amalgamated Financial Corp. (AMAL) released Q1 earnings call highlights covering financial results, strategic updates, and forward guidance. Q1 earnings call highlights detail financial performance and outlook, likely driving significant shifts in investor sentiment and stock trajectory.

4 Zacks, 9:30 AM
Amalgamated Financial Corp. (AMAL) Q1 earnings key metrics compared to analyst estimates. Q1 earnings metrics versus estimates directly impact financial performance and investor sentiment for AMAL.

4 StockStory, 6:44 AM
Amalgamated Financial (NASDAQ:AMAL) posted better-than-expected sales in Q1 CY2026. Better-than-expected Q1 sales directly enhance financial performance and investor sentiment for AMAL.

4 Business Wire, 6:25 AM
Amalgamated Financial Corp. reported first quarter 2026 financial results showing net interest margin rising to 3.75%, revenue growth of 9.7%, and raised full-year guidance. Rising margins, strong revenue growth, and raised guidance indicate significant positive momentum for future performance and investor sentiment.

3 Zacks, 7:35 AM
Amalgamated Financial Corp. (AMAL) Q1 earnings lagged analyst estimates. Q1 earnings missing estimates moderately influences financial performance and market sentiment.

22 Apr

3 StockStory, 7:01 AM
Amalgamated Financial Corp. (AMAL) reports earnings tomorrow with analysts forecasting key metrics like EPS, revenue growth, net interest margin, and loan growth amid economic pressures. Earnings previews shape market expectations and can moderately impact stock price based on alignment with forecasts.

12 Apr

4 Simply Wall St., 2:12 AM
Amalgamated Financial Corp. (AMAL) reported strong Q4 results with revenue and earnings beats, alongside a dividend increase from $0.20 to $0.25 per share, prompting a valuation reassessment at around 12x forward earnings amid solid deposit growth and credit quality. Strong Q4 earnings beat and dividend hike signal robust financial health, likely boosting investor sentiment and stock trajectory.

4 Apr

3 Simply Wall St., 3:08 PM
Amalgamated Financial Corp. (AMAL) narrative shifts as strong returns face scrutiny over credit quality concerns. Credit questions temper AMAL's returns, likely influencing financial performance and investor sentiment moderately.

18 Feb

4 StockStoryStockStoryStockStoryStockStoryStockStory, 10:32 PM
Amalgamated Financial Corp. (NASDAQ:AMAL) Q4 earnings showed highs and lows when compared to other regional bank stocks. Q4 earnings comparison to regional bank peers signals key performance variances likely to shift investor sentiment and stock trajectory.

5 Feb

3 , 9:30 AM
Embrace Home Loans will provide home mortgage services to customers of Amalgamated Bank, enhancing the bank's offerings in the mortgage sector. This partnership aims to streamline the mortgage process for clients and expand Amalgamated's product range, potentially increasing customer satisfaction and retention. The partnership may enhance product offerings and customer satisfaction, but its overall impact on financial performance is expected to be limited.

2 Feb

3 Simply Wall St., 9:13 PM
Amalgamated Financial Corp. (AMAL) has demonstrated strong multi-year share performance, raising questions about whether its current pricing accurately reflects this success. Analysts are evaluating the company's financial health and market position, considering factors such as growth potential and competitive landscape. The discussion centers on whether AMAL's stock price is justified given its historical performance and future prospects. The analysis of AMAL's pricing in relation to its share performance indicates a moderately noticeable influence on its market position and investor sentiment.

29 Jan

4 StockStory, 11:37 PM
Amalgamated Financial Corp. (AMAL) is highlighted as a bank stock worth attention due to its strong fundamentals and growth potential. The article contrasts AMAL with two other bank stocks that are deemed less favorable, suggesting that AMAL's strategic positioning and financial health make it a more attractive investment option in the current market environment. Amalgamated Financial Corp. is positioned for significant growth, indicating a likely substantial impact on its future performance.
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