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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
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 84.39
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell 1 — 1 4 2 3 — 3 1 4 13 1
Insider Ownership 37.35%

Capital & Financial Ratios $m

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 12.44
Fwd P/E 10.70
P/S ratio 2.90
P/B ratio 1.69
Past 5Y EPS Growth 18.17% (at or above 15%: strong)
This Y EPS Growth 11.03%
Next Y EPS Growth 14.77%
Next Y revenue growth (15.09%) (below 0%: weak)
Next 5Y EPS Growth 15.10% (at or above 15%: strong)

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 79.93%
10-year low 10-year high
P/S against its own 10 years 91.77%
10-year low 10-year high
P/B against its own 10 years 96.72%
10-year low 10-year high

Dividends

Payout Ratio 0.17
Annual Dividend Rate 0.65
Annual Dividend Yield 1.38%
total individual payouts
2027 Powerpack
2026 0.68
0.17
0.17
0.17
2025 0.56
0.14
0.14
0.14
0.14
2024 0.46
0.10
0.12
0.12
0.12
2023 0.40
0.10
0.10
0.10
0.10
2022 0.36
0.08
0.08
0.10
0.10
2021 0.32
0.08
0.08
0.08
0.08
2020 0.32
0.08
0.08
0.08
0.08
2019 0.26
0.06
0.06
0.06
0.08
2018 0.06
0.06
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 141 84 340 227
Receivables — — — —
Inventory — — — —
Other — — — —
4,543 4,796 5,308 5,371
2023 2024 2025 Q'26
Payables 7,012 7,181 7,949 8,458
ST’ Debt — — — —
Other — — — —
7,012 7,181 7,949 8,458

Compound Annual Growth %

10y 5y 3y
Sales — 14.42% 17.08%
Cash Flow — 15.60% (2.68%)
Earnings — 17.73% 8.63%
Book Value — 8.20% 16.00%

Revenue $m

Mar Jun Sep Dec Year
’26 123 129 — — —
’25 107 112 119 115 453
’24 107 108 112 107 435
’23 90 94 98 105 387
’22 58 66 76 83 282
’21 47 49 52 61 209
’20 58 56 60 58 231
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 57 30 — — —
’25 34 25 39 37 136
’24 31 28 36 29 124
’23 35 27 40 15 117
’22 17 51 26 53 147
’21 12 13 29 17 71
’20 18 0 2 46 66
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 51 20 — — —
’25 32 26 38 38 134
’24 31 28 35 28 122
’23 35 27 39 15 116
’22 16 51 26 53 146
’21 11 12 28 17 68
’20 17 0 2 46 64
Fiscal quarters ending in the months shown.

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
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low — — 16.00 14.58 7.90 13.28 15.58 14.05 21.33 25.03

Analyst estimates 2026–2028

Powerpack
High — — 22.97 20.50 19.54 20.22 27.33 27.77 38.19 37.26
People
People Employees — — — — 370 375 409 425 429 450
Revenue/emp, $m 0.00 0.00 0.00 0.00 0.62 0.56 0.69 0.91 1.01 1.01
Income, $m
Income, $m Revenue 135 149 192 215 231 209 282 387 435 453
Gross margin, % 0.00 0.00 92.61 91.02 95.47 97.02 93.40 75.02 72.64 72.54
EBT 11 20 50 64 62 71 108 125 146 140
EBT margin, % 7.91 13.22 26.17 29.83 26.80 33.85 38.30 32.20 33.51 30.93
Net income 21 12 0 47 46 53 81 88 106 104
Depreciation — — 0 2 13 11 11 6 5 7
Per share, $
Per share, $ Revenue 0.21 0.23 6.33 6.78 7.42 6.72 9.16 12.68 14.21 14.94
Earnings 0.02 0.01 1.22 1.49 1.48 1.70 2.64 2.88 3.48 3.44
Cash flow 0.01 0.03 0.00 2.63 2.11 2.27 4.78 3.84 4.06 4.48
Capex 0.00 0.00 0.00 (0.02) (0.05) (0.08) (0.05) (0.05) (0.06) (0.05)
Free cash flow 0.01 0.03 0.00 2.61 2.06 2.19 4.73 3.79 4.00 4.43
Book value 0.54 0.54 0.00 15.46 17.21 18.13 16.51 19.16 23.14 26.20
Shares, m 635 635 30 32 31 31 31 31 31 30
Valuation, ×
Valuation, × P/E 42.31 42.31 20.53 13.14 9.35 9.92 8.70 9.22 9.62 9.28
P/S 0.00 0.00 0.00 2.85 1.85 2.50 2.53 2.09 2.36 2.14
P/B 0.00 0.00 0.00 1.25 0.80 0.93 1.40 1.39 1.45 1.22
EV/Sales 0.00 0.00 0.00 2.63 1.20 0.22 4.54 2.52 2.89 1.55
EV/FCF 0.00 0.00 0.00 0.00 4.32 0.67 8.80 8.43 10.25 5.22
Cash, $m
Cash, $m Operating cash flow 8 19 0 83 66 71 147 117 124 136
Capex (13) (2) 0 (1) (2) (2) (2) (1) (2) (1)
Free cash flow 8 19 0 83 64 68 146 116 122 134
Balance, $m
Balance, $m Working capital — — — (1,058) (1,663) (2,488) (2,395) (2,468) (2,385) (2,642)
Total debt 674 759 93 75 43 84 658 305 314 70
Net debt 674 759 93 (48) (151) (476) 568 164 230 (270)
Shareholders’ equity 341 344 — 491 536 564 509 585 708 794
Returns, %
Returns, % 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
ROE 6.29 3.59 11.51 10.16 9.00 9.63 15.19 16.08 16.46 13.91
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Amalgamated Financial Corp. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
CASH Pathward Financial, Inc. $1.5B 9.1× 9.2× −3.18% (below 0%: shrinking) −24.73% (below 0%: shrinking) +20.54% (above 0%: growing) 99.41% 0.00% Compare
TFIN Triumph Financial, Inc. $1.5B 41.6× 40.6× +13.51% (above 0%: growing) +193.33% (above 0%: growing) +372.54% (above 0%: growing) 82.38% 0.00% Compare
ESQ Esquire Financial Holdings, Inc. $1.4B 18.4× 28.7× +18.87% (above 0%: growing) +6.08% (above 0%: growing) +59.96% (above 0%: growing) 88.35% 0.00% Compare
LKFN Lakeland Financial Corporation $1.4B 13.3× 13.8× +1.75% (above 0%: growing) +8.57% (above 0%: growing) +36.16% (above 0%: growing) 65.79% 0.00% Compare
AMAL Amalgamated Financial Corp. $1.4B 12.4× 10.7× +15.47% (above 0%: growing) +36.47% (above 0%: growing) −23.52% (below 0%: shrinking) 75.97% 0.00%
BHRB Burke & Herbert Financial Services Corp. $1.4B 11.1× 8.4× +20.93% (above 0%: growing) −74.75% (below 0%: shrinking) +49.60% (above 0%: growing) 70.87% 0.00% Compare
WABC Westamerica Bancorporation $1.4B 13.5× 12.7× −2.49% (below 0%: shrinking) +4.46% (above 0%: growing) −33.14% (below 0%: shrinking) 94.98% 0.00% Compare
TMP Tompkins Financial Corporation $1.4B 7.9× 11.6× +2.51% (above 0%: growing) +36.42% (above 0%: growing) −198.57% (below 0%: shrinking) 73.16% 0.00% Compare
CTBI Community Trust Bancorp, Inc. $1.4B 12.5× 11.1× +6.97% (above 0%: growing) +18.84% (above 0%: growing) +217.37% (above 0%: growing) 72.12% 0.00% Compare
Median of peers $1.4B 12.9× 12.1× +4.74% +7.33% +42.88% 77.77% 0.00%

All 323 Banks Regional stocks →

Amalgamated Financial Corp. (AMAL) key facts

  • Strength: Amalgamated Financial Corp.’s revenue for fiscal 2025 (year ended December 2025) was $453.2 million, up 4.29% from fiscal 2024.
  • Amalgamated Financial Corp. (AMAL) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, AMAL traded at $47.13, a market capitalization of $1.4 billion.
  • Amalgamated Financial Corp. pays an annual dividend of $0.65 per share, a yield of 1.38%, with a payout ratio of 17.3%.
  • Return on equity was 13.9% and debt-to-equity 0.08.
  • Its Piotroski F-score is 5 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Amalgamated Financial Corp. (AMAL) Latest News

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stockrow.com/AMAL · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com