Amalgamated Financial Corp (NASDAQ:AMAL) Beats Q3 2025 Earnings and Revenue Estimates

Amalgamated Financial Corp (NASDAQ:AMAL) has released its financial results for the third quarter of 2025, delivering a performance that surpassed analyst expectations on both the top and bottom lines. The company's core profitability metrics showed improvement, contributing to a positive market reaction in pre-market trading.

Earnings and Revenue Performance Versus Estimates

The company reported core net income of $27.6 million, or $0.91 per diluted share, for the quarter. This result exceeded the analyst consensus estimate of $0.89 per share. On the revenue front, the company also outperformed, reporting total revenue of $85.61 million against an estimated $84.99 million.

• Reported Core EPS: $0.91
• Estimated EPS: $0.89
• Reported Revenue: $85.61 Million
• Estimated Revenue: $84.99 Million

This earnings beat was met with a positive response from investors, as evidenced by the stock's pre-market price increase of approximately 0.45%. This movement suggests the market views the company's ability to exceed profit and revenue forecasts favorably.

Third Quarter 2025 Financial Highlights

The earnings report detailed several areas of strength, painting a picture of a institution with solid fundamentals and disciplined growth.

Profitability and Margin Expansion

• Net interest income grew to $76.4 million, a $3.5 million increase from the prior quarter.
• The net interest margin expanded by 5 basis points to 3.60%, driven by interest income from securities purchases and the origination of higher-yielding commercial loans.
• Core return on average tangible common equity was a robust 14.65%.

Balance Sheet and Credit Quality

• Total assets reached $8.7 billion, with net loans receivable increasing by $77.0 million to $4.7 billion.
• The company demonstrated strong credit management, with nonperforming assets decreasing significantly by $12.2 million to $23.0 million, representing just 0.26% of total assets.
• On-balance sheet deposits grew to $7.8 billion, with non-interest-bearing deposits comprising a healthy 37% of the total.

Capital and Shareholder Returns

• Tangible book value per share increased by $0.98 to $25.31.
• The company continued to return capital to shareholders, repurchasing approximately 347,000 shares for $10.4 million during the quarter and maintaining $19.9 million in remaining buyback capacity.

Forward Outlook and Analyst Estimates

While the press release did not provide a specific quantitative financial outlook for the coming periods, it conveyed a tone of confidence. President and CEO Priscilla Sims Brown stated, “What stands out to me this quarter is mainly that we keep delivering great results. And the quality and sustainability of our earnings allows us to handle problem situations with ease.”

Looking ahead, Wall Street analysts have established estimates for the company's future performance. For the full year 2025, analysts are forecasting sales of $334.13 million and revenue of $3.57. For the fourth quarter specifically, the consensus estimates are for sales of $88.06 million and revenue of $0.9129.

Conclusion

Amalgamated Financial Corp's third quarter results reflect a institution performing well in the current economic environment. By exceeding earnings and revenue expectations, expanding its net interest margin, and maintaining a strong, high-quality balance sheet, the company has positioned itself for continued stability. The positive pre-market trading activity indicates investor approval of these results. For a detailed look at historical earnings and future analyst estimates for AMALGAMATED FINANCIAL CORP, you can review the data here.

Disclaimer: This article is for informational purposes only and does not constitute financial advice or a recommendation to buy or sell any security. Investors should conduct their own research and consult with a qualified financial advisor before making any investment decisions.