Amalgamated Financial Corp (NASDAQ:AMAL) Reports Mixed Q2 2025 Earnings with Revenue and EPS Slightly Below Estimates

Amalgamated Financial Corp (NASDAQ:AMAL) reported its second-quarter 2025 earnings, delivering mixed results compared to analyst expectations. The bank holding company posted revenue of $80.93 million, falling short of the consensus estimate of $84.17 million. Earnings per share (EPS) came in at $0.88, slightly below the projected $0.89. The modest miss on both top and bottom lines appears to have triggered a negative pre-market reaction, with shares down approximately 1.7% ahead of the opening bell.

Key Financial Highlights from Q2 2025

• Net Interest Margin: Remained strong at 3.55%, reflecting healthy lending profitability.
• Capital Strength: Common Equity Tier 1 (CET1) ratio stood at 14.13%, well above regulatory requirements.
• Tangible Book Value: Increased to $24.33 per share, signaling solid balance sheet growth.
• Deposit and Loan Growth: Continued expansion, though specific figures were not detailed in the release.

Market Reaction and Forward Estimates

The slight earnings miss, particularly on revenue, seems to have dampened investor sentiment in pre-market trading. Over the past month, AMAL shares had gained 7.4%, suggesting some optimism ahead of earnings. However, the muted weekly and bi-weekly performance (up 0.01% and 0.15%, respectively) indicates cautious positioning leading into the report.

Looking ahead, analysts expect Q3 2025 revenue of $87.54 million and EPS of $0.93. For the full year, sales are projected at $339.91 million, with revenue estimates at $3.72 per share. The absence of forward guidance in the press release leaves investors reliant on these consensus figures.

Conclusion

Amalgamated’s Q2 results reflect steady operational performance, though the revenue shortfall may raise questions about near-term growth momentum. The bank’s strong capital position and net interest margin provide a solid foundation, but market reaction suggests some disappointment relative to expectations.

For more detailed earnings data and analyst estimates, visit Amalgamated Financial Corp’s earnings page.

Disclaimer: This article is not investment advice. Investors should conduct their own research or consult a financial advisor before making decisions.