AMALGAMATED FINANCIAL CORP (AMAL) Stock Fundamental Analysis
USA - NASDAQ:AMAL - US0226711010 - Common Stock
28.62 USD
-0.26 (-0.9%)
We assign a fundamental rating of 5 out of 10 to AMAL. AMAL was compared to 391 industry peers in the Banks industry. Both the profitability and the financial health of AMAL get a neutral evaluation. Nothing too spectacular is happening here. AMAL has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
AMAL had positive earnings in the past year.
In the past year AMAL had a positive cash flow from operations.
Each year in the past 5 years AMAL has been profitable.
Each year in the past 5 years AMAL had a positive operating cash flow.
1.2 Ratios
AMAL has a Return On Assets of 1.20%. This is in the better half of the industry: AMAL outperforms 78.01% of its industry peers.
AMAL has a better Return On Equity (13.72%) than 90.03% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.2% | ||
| ROE | 13.72% | ||
| ROIC | N/A |
ROA(3y)1.14%
ROA(5y)0.99%
ROE(3y)15.36%
ROE(5y)12.82%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
AMAL's Profit Margin of 32.65% is amongst the best of the industry. AMAL outperforms 87.21% of its industry peers.
In the last couple of years the Profit Margin of AMAL has grown nicely.
The Operating Margin and Gross Margin are not available for AMAL so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 32.65% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y8.92%
PM growth 5Y6.94%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
AMAL does not have a ROIC to compare to the WACC, probably because it is not profitable.
AMAL has less shares outstanding than it did 1 year ago.
The number of shares outstanding for AMAL has been reduced compared to 5 years ago.
Compared to 1 year ago, AMAL has an improved debt to assets ratio.
2.2 Solvency
AMAL has a debt to FCF ratio of 0.62. This is a very positive value and a sign of high solvency as it would only need 0.62 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.62, AMAL belongs to the top of the industry, outperforming 80.31% of the companies in the same industry.
A Debt/Equity ratio of 0.10 indicates that AMAL is not too dependend on debt financing.
AMAL's Debt to Equity ratio of 0.10 is fine compared to the rest of the industry. AMAL outperforms 69.57% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.62 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.22%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
AMAL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.97%, which is quite good.
Measured over the past years, AMAL shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.56% on average per year.
AMAL shows a small growth in Revenue. In the last year, the Revenue has grown by 4.24%.
Measured over the past years, AMAL shows a quite strong growth in Revenue. The Revenue has been growing by 10.02% on average per year.
EPS 1Y (TTM)12.97%
EPS 3Y27.34%
EPS 5Y18.56%
EPS Q2Q%3.53%
Revenue 1Y (TTM)4.24%
Revenue growth 3Y15.91%
Revenue growth 5Y10.02%
Sales Q2Q%9.93%
3.2 Future
AMAL is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.07% yearly.
Based on estimates for the next years, AMAL will show a small growth in Revenue. The Revenue will grow by 6.54% on average per year.
EPS Next Y2.29%
EPS Next 2Y10.07%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.15%
Revenue Next 2Y6.54%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
AMAL is valuated reasonably with a Price/Earnings ratio of 8.02.
93.09% of the companies in the same industry are more expensive than AMAL, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of AMAL to the average of the S&P500 Index (27.43), we can say AMAL is valued rather cheaply.
A Price/Forward Earnings ratio of 6.77 indicates a rather cheap valuation of AMAL.
Based on the Price/Forward Earnings ratio, AMAL is valued cheaper than 92.84% of the companies in the same industry.
AMAL's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.02 | ||
| Fwd PE | 6.77 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, AMAL is valued cheaply inside the industry as 86.44% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.09 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)3.5
PEG (5Y)0.43
EPS Next 2Y10.07%
EPS Next 3YN/A
5. Dividend
5.1 Amount
AMAL has a Yearly Dividend Yield of 1.93%.
Compared to an average industry Dividend Yield of 3.56, AMAL is paying slightly less dividend.
AMAL's Dividend Yield is slightly below the S&P500 average, which is at 2.45.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.93% |
5.2 History
The dividend of AMAL is nicely growing with an annual growth rate of 12.07%!
AMAL has been paying a dividend for over 5 years, so it has already some track record.
As AMAL did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)12.07%
Div Incr Years3
Div Non Decr Years6
5.3 Sustainability
AMAL pays out 15.61% of its income as dividend. This is a sustainable payout ratio.
AMAL's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP15.61%
EPS Next 2Y10.07%
EPS Next 3YN/A
NASDAQ:AMAL (9/12/2025, 1:25:21 PM)
28.62
-0.26 (-0.9%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners64.92%
Inst Owner Change-1.96%
Ins Owners1.49%
Ins Owner Change0.19%
Market Cap861.75M
Analysts45.71
Price Target33.66 (17.61%)
Short Float %7.28%
Short Ratio8.68
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.93% |
Yearly Dividend0.46
Dividend Growth(5Y)12.07%
DP15.61%
Div Incr Years3
Div Non Decr Years6
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.53%
Min EPS beat(2)-1.06%
Max EPS beat(2)8.11%
EPS beat(4)3
Avg EPS beat(4)3.76%
Min EPS beat(4)-1.06%
Max EPS beat(4)8.11%
EPS beat(8)6
Avg EPS beat(8)4.48%
EPS beat(12)9
Avg EPS beat(12)4.36%
EPS beat(16)13
Avg EPS beat(16)7.89%
Revenue beat(2)0
Avg Revenue beat(2)-3.14%
Min Revenue beat(2)-3.84%
Max Revenue beat(2)-2.44%
Revenue beat(4)0
Avg Revenue beat(4)-2.52%
Min Revenue beat(4)-3.84%
Max Revenue beat(4)-1.43%
Revenue beat(8)2
Avg Revenue beat(8)-1.61%
Revenue beat(12)3
Avg Revenue beat(12)-0.96%
Revenue beat(16)7
Avg Revenue beat(16)0.81%
PT rev (1m)-7.04%
PT rev (3m)-5.71%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-5.51%
EPS NY rev (1m)-4.11%
EPS NY rev (3m)-4.11%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.34%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.7%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.02 | ||
| Fwd PE | 6.77 | ||
| P/S | 2.72 | ||
| P/FCF | 7.09 | ||
| P/OCF | 6.95 | ||
| P/B | 1.14 | ||
| P/tB | 1.16 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.57
EY12.47%
EPS(NY)4.23
Fwd EY14.77%
FCF(TTM)4.04
FCFY14.11%
OCF(TTM)4.12
OCFY14.38%
SpS10.52
BVpS25.04
TBVpS24.57
PEG (NY)3.5
PEG (5Y)0.43
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.2% | ||
| ROE | 13.72% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 32.65% | ||
| GM | N/A | ||
| FCFM | 38.37% |
ROA(3y)1.14%
ROA(5y)0.99%
ROE(3y)15.36%
ROE(5y)12.82%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y8.92%
PM growth 5Y6.94%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.62 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 54.93% | ||
| Cap/Sales | 0.75% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 117.51% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC14.22%
ROIC/WACCN/A
Cap/Depr(3y)34.64%
Cap/Depr(5y)34.99%
Cap/Sales(3y)0.57%
Cap/Sales(5y)0.72%
Profit Quality(3y)141.7%
Profit Quality(5y)138.56%
High Growth Momentum
Growth
EPS 1Y (TTM)12.97%
EPS 3Y27.34%
EPS 5Y18.56%
EPS Q2Q%3.53%
EPS Next Y2.29%
EPS Next 2Y10.07%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)4.24%
Revenue growth 3Y15.91%
Revenue growth 5Y10.02%
Sales Q2Q%9.93%
Revenue Next Year2.15%
Revenue Next 2Y6.54%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-12.98%
FCF growth 3Y21.55%
FCF growth 5Y8.14%
OCF growth 1Y-12.3%
OCF growth 3Y20.73%
OCF growth 5Y8.24%