Amalgamated Financial Corp.

AMAL Financial Banks Regional

Amalgamated Financial Corp.’s revenue for fiscal 2025 (year ended December 2025) was $453.2 million, up 4.29% from fiscal 2024. In the quarter to June 2026, revenue grew 15.5%, EPS grew 36.5%, free cash flow fell 23.5% and total debt fell 7.56%, each against the same quarter a year earlier. Dividend growth for five consecutive years, revenue growth for three.

47.13 0.04 +0.08%
Market cap
$1.4B
P/E
12.4×
Fwd P/E
10.7×
Dividend yield
1.38%
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21 Dec '22 Dec '23 Dec '24 Dec '25
Piotroski F-Score
— — — — — 5 7 8 6 5
P/E ratio
42.31 42.31 20.53 13.14 9.35 9.92 8.70 9.22 9.62 9.28
P/S ratio
0.00 0.00 0.00 2.85 1.85 2.50 2.53 2.09 2.36 2.14
P/FCF ratio
0.00 0.00 0.00 0.00 6.67 7.65 4.90 7.01 8.37 7.23
P/Operating CF
0.00 0.00 0.00 20.00 9.22 30.44 13.44 52.96 35.30 26.15
P/B ratio
0.00 0.00 0.00 1.25 0.80 0.93 1.40 1.39 1.45 1.22
Price to Tangible BV
0.00 0.00 0.00 1.30 0.83 0.95 1.45 1.42 1.48 1.24
EV/Sales
0.00 0.00 0.00 2.63 1.20 0.22 4.54 2.52 2.89 1.55
EV/EBITDA
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
EV/Operating CF
0.00 0.00 0.00 0.00 4.21 0.65 8.70 8.32 10.11 5.16
EV/FCF
0.00 0.00 0.00 0.00 4.32 0.67 8.80 8.43 10.25 5.22
Quick Ratio
— — — 0.03 0.04 0.09 0.01 0.02 0.01 0.04
Current Ratio
— — — 0.77 0.69 0.61 0.64 0.65 0.67 0.67
Net Debt/EBITDA
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Debt/Assets
16.67% 18.78% 0.00% 1.41% 0.72% 1.18% 8.39% 3.82% 3.81% 0.78%
Debt/Equity
1.98 2.21 0.00 0.15 0.08 0.15 1.29 0.52 0.44 0.09
Asset Turnover
0.03 0.04 0.10 0.05 0.04 0.03 0.04 0.05 0.05 0.05
Operating CF/Net income
0.40 1.59 0.00 1.77 1.42 1.33 1.81 1.33 1.17 1.30
Capex/Depreciation
— — 0.00 (0.46) (0.13) (0.21) (0.15) (0.23) (0.33) (0.20)
ROE
6.29% 3.59% 11.51% 10.16% 9.00% 9.63% 15.19% 16.08% 16.46% 13.91%
ROA
0.52% 0.30% 2.21% 1.01% 0.82% 0.81% 1.09% 1.11% 1.31% 1.22%
ROIC
0.00% 0.00% 33.82% 9.05% 10.05% 50.12% 6.27% 10.40% 9.71% 16.71%
Return on Tangible Assets
81.13% 54.82% 202.97% (4.54%) (2.80%) (2.14%) (3.42%) (3.58%) (4.48%) (3.96%)
Average Days of Receivables
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Research and Development Expense of Revenue
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Selling, General and Administrative Expense of Revenue
0.00% 0.00% 64.04% 58.91% 66.64% 61.13% 53.66% 41.87% 38.40% 41.01%
Intangible Assets out of Total Assets
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Share Based Compensation of Revenue
0.00% 0.00% 0.00% 1.13% 1.03% 0.86% 0.95% 1.21% 1.27% 1.53%
Graham Net Nets
0.00 0.00 0.00 (2.04) (4.13) (5.07) (4.39) (3.51) (2.69) (2.85)
Graham Number
0.00 0.00 0.00 22.76 23.86 26.26 31.44 35.23 42.56 45.09
Earnings Yield
2.36% 2.36% 4.87% 7.61% 10.70% 10.08% 11.49% 10.85% 10.40% 10.77%
Free Cash Flow Yield
0.00% 0.00% 0.00% 0.00% 15.00% 13.06% 20.42% 14.27% 11.94% 13.84%
Revenue per Share
0.21 0.23 6.33 6.78 7.42 6.72 9.16 12.68 14.21 14.94
Operating CF per Share
0.01 0.03 0.00 2.63 2.11 2.27 4.78 3.84 4.06 4.48
Capex per Share
0.00 0.00 0.00 (0.02) (0.05) (0.08) (0.05) (0.05) (0.06) (0.05)
Free Cash Flow per Share
0.01 0.03 0.00 2.61 2.06 2.19 4.73 3.79 4.00 4.43
Cash per Share
0.00 0.00 0.00 3.86 6.22 17.99 2.90 4.60 2.76 11.21
Shareholders Equity per Share
0.54 0.54 0.00 15.46 17.21 18.13 16.51 19.16 23.14 26.20
Interest Debt per Share
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Book value per Share
0.54 0.54 0.00 15.46 17.21 18.13 16.51 19.16 23.14 26.20
Free Cash Flow
8.36 19.20 0.00 82.71 64.16 68.14 145.65 115.75 122.29 134.40
Working Capital
— — — (1,058.26) (1,662.71) (2,488.29) (2,395.39) (2,468.49) (2,384.51) (2,641.73)
Capital Expenditures
(12.53) (1.87) 0.00 (0.75) (1.61) (2.40) (1.67) (1.48) (1.77) (1.38)
Net Current Asset Value
(3,701.00) (3,697.00) 0.00 (1,252.07) (1,766.81) (2,646.04) (3,134.52) (2,843.46) (2,753.14) (2,767.86)
EV/EBIT
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Capex to Sales
0.00 0.00 0.00 0.00 0.01 0.01 0.01 0.00 0.00 0.00
Price to Operating Income
0.00 0.00 0.00 3.43 6.57 7.12 6.60 6.50 7.03 6.93
Other line items
Depreciation/Fixed assets
0.00 0.00 0.00 0.09 0.97 0.98 1.11 0.82 0.85 1.45
Cash ROIC
0.82% 1.74% 0.00% 12.02% 8.31% 5.64% 11.60% 11.23% 11.05% 11.16%
Accounts Receivable Turnover
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Accounts Payable Turnover
— — 0.00 0.00 0.00 0.00 0.00 0.01 0.02 0.02
Inventory Turnover
— — 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Average Days of Payables
— — 0.00 87,692.62 185,955.67 372,875.78 129,078.69 26,449.12 22,049.37 23,315.30
Days of Inventory on Hand
— — 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Average Payables
— — — — 4,989.85 5,847.48 6,475.65 6,803.51 7,096.30 7,564.92
Average Assets
4,041.50 4,041.50 2,020.50 4,683.17 5,651.98 6,528.25 7,460.50 7,907.72 8,114.61 8,563.36
Average Common Equity
335.50 335.50 388.00 464.77 513.18 549.85 536.42 547.16 646.51 751.06

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Columns are period end dates