AMALGAMATED FINANCIAL CORP (AMAL) Fundamental Analysis & Valuation

NASDAQ:AMAL • US0226711010

Current stock price

38.1 USD
+0.14 (+0.37%)
At close:
38.1 USD
0 (0%)
After Hours:

This AMAL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. AMAL Profitability Analysis

1.1 Basic Checks

  • AMAL had positive earnings in the past year.
  • AMAL had a positive operating cash flow in the past year.
  • Each year in the past 5 years AMAL has been profitable.
  • AMAL had a positive operating cash flow in 4 of the past 5 years.
AMAL Yearly Net Income VS EBIT VS OCF VS FCFAMAL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M

1.2 Ratios

  • With a decent Return On Assets value of 1.18%, AMAL is doing good in the industry, outperforming 73.23% of the companies in the same industry.
  • The Return On Equity of AMAL (13.19%) is better than 86.88% of its industry peers.
Industry RankSector Rank
ROA 1.18%
ROE 13.19%
ROIC N/A
ROA(3y)1.19%
ROA(5y)1.07%
ROE(3y)14.41%
ROE(5y)13.72%
ROIC(3y)N/A
ROIC(5y)N/A
AMAL Yearly ROA, ROE, ROICAMAL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • AMAL has a Profit Margin of 31.83%. This is amongst the best in the industry. AMAL outperforms 83.46% of its industry peers.
  • AMAL's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for AMAL so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 31.83%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.93%
PM growth 5Y8.69%
GM growth 3YN/A
GM growth 5YN/A
AMAL Yearly Profit, Operating, Gross MarginsAMAL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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4

2. AMAL Health Analysis

2.1 Basic Checks

  • AMAL does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, AMAL has less shares outstanding
  • AMAL has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, AMAL has an improved debt to assets ratio.
AMAL Yearly Shares OutstandingAMAL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
AMAL Yearly Total Debt VS Total AssetsAMAL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

2.2 Solvency

  • AMAL has a debt to FCF ratio of 0.61. This is a very positive value and a sign of high solvency as it would only need 0.61 years to pay back of all of its debts.
  • AMAL has a Debt to FCF ratio of 0.61. This is in the better half of the industry: AMAL outperforms 78.48% of its industry peers.
  • A Debt/Equity ratio of 0.10 indicates that AMAL is not too dependend on debt financing.
  • AMAL has a better Debt to Equity ratio (0.10) than 68.24% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 0.61
Altman-Z N/A
ROIC/WACCN/A
WACC13.37%
AMAL Yearly LT Debt VS Equity VS FCFAMAL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
AMAL Yearly Current Assets VS Current LiabilitesAMAL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. AMAL Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 4.87% over the past year.
  • AMAL shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 17.85% yearly.
  • AMAL shows a small growth in Revenue. In the last year, the Revenue has grown by 4.14%.
  • AMAL shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.30% yearly.
EPS 1Y (TTM)4.87%
EPS 3Y10.54%
EPS 5Y17.85%
EPS Q2Q%10%
Revenue 1Y (TTM)4.14%
Revenue growth 3Y7.62%
Revenue growth 5Y8.3%
Sales Q2Q%3.18%

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 12.42% yearly.
  • Based on estimates for the next years, AMAL will show a quite strong growth in Revenue. The Revenue will grow by 9.73% on average per year.
EPS Next Y15.1%
EPS Next 2Y12.42%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year13.02%
Revenue Next 2Y9.73%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
AMAL Yearly Revenue VS EstimatesAMAL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M 400M
AMAL Yearly EPS VS EstimatesAMAL Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

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6

4. AMAL Valuation Analysis

4.1 Price/Earnings Ratio

  • AMAL is valuated reasonably with a Price/Earnings ratio of 10.41.
  • Based on the Price/Earnings ratio, AMAL is valued a bit cheaper than 68.24% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.71. AMAL is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 9.04, the valuation of AMAL can be described as reasonable.
  • Based on the Price/Forward Earnings ratio, AMAL is valued a bit cheaper than the industry average as 69.29% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 23.83. AMAL is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.41
Fwd PE 9.04
AMAL Price Earnings VS Forward Price EarningsAMAL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of AMAL indicates a somewhat cheap valuation: AMAL is cheaper than 71.39% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 9.15
EV/EBITDA N/A
AMAL Per share dataAMAL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • AMAL's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • AMAL's earnings are expected to grow with 12.42% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.69
PEG (5Y)0.58
EPS Next 2Y12.42%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. AMAL Dividend Analysis

5.1 Amount

  • AMAL has a Yearly Dividend Yield of 1.79%.
  • AMAL's Dividend Yield is slightly below the industry average, which is at 2.90.
  • Compared to an average S&P500 Dividend Yield of 1.91, AMAL has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.79%

5.2 History

  • On average, the dividend of AMAL grows each year by 12.18%, which is quite nice.
  • AMAL has been paying a dividend for over 5 years, so it has already some track record.
  • AMAL has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)12.18%
Div Incr Years3
Div Non Decr Years6
AMAL Yearly Dividends per shareAMAL Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • AMAL pays out 16.32% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of AMAL is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP16.32%
EPS Next 2Y12.42%
EPS Next 3YN/A
AMAL Yearly Income VS Free CF VS DividendAMAL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M
AMAL Dividend Payout.AMAL Dividend Payout, showing the Payout Ratio.AMAL Dividend Payout.PayoutRetained Earnings

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AMAL Fundamentals: All Metrics, Ratios and Statistics

AMALGAMATED FINANCIAL CORP

NASDAQ:AMAL (3/13/2026, 8:09:38 PM)

After market: 38.1 0 (0%)

38.1

+0.14 (+0.37%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)N/A
Inst Owners61.03%
Inst Owner Change-0.76%
Ins Owners1.74%
Ins Owner Change0.29%
Market Cap1.14B
Revenue(TTM)328.72M
Net Income(TTM)102.30M
Analysts80
Price Target41.31 (8.43%)
Short Float %5.63%
Short Ratio6.47
Dividend
Industry RankSector Rank
Dividend Yield 1.79%
Yearly Dividend0.47
Dividend Growth(5Y)12.18%
DP16.32%
Div Incr Years3
Div Non Decr Years6
Ex-Date02-03
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.45%
Min EPS beat(2)-1.06%
Max EPS beat(2)1.96%
EPS beat(4)3
Avg EPS beat(4)2.36%
Min EPS beat(4)-1.06%
Max EPS beat(4)8.11%
EPS beat(8)6
Avg EPS beat(8)3.9%
EPS beat(12)9
Avg EPS beat(12)3.8%
EPS beat(16)13
Avg EPS beat(16)6.73%
Revenue beat(2)1
Avg Revenue beat(2)-1.56%
Min Revenue beat(2)-3.84%
Max Revenue beat(2)0.72%
Revenue beat(4)1
Avg Revenue beat(4)-1.98%
Min Revenue beat(4)-3.84%
Max Revenue beat(4)0.72%
Revenue beat(8)3
Avg Revenue beat(8)-1.35%
Revenue beat(12)3
Avg Revenue beat(12)-1.53%
Revenue beat(16)7
Avg Revenue beat(16)0.81%
PT rev (1m)0%
PT rev (3m)26.56%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)4.6%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.29%
Valuation
Industry RankSector Rank
PE 10.41
Fwd PE 9.04
P/S 3.55
P/FCF 9.15
P/OCF 8.94
P/B 1.47
P/tB 1.5
EV/EBITDA N/A
EPS(TTM)3.66
EY9.61%
EPS(NY)4.21
Fwd EY11.06%
FCF(TTM)4.16
FCFY10.93%
OCF(TTM)4.26
OCFY11.19%
SpS10.74
BVpS25.9
TBVpS25.44
PEG (NY)0.69
PEG (5Y)0.58
Graham Number46.19
Profitability
Industry RankSector Rank
ROA 1.18%
ROE 13.19%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 31.83%
GM N/A
FCFM 38.79%
ROA(3y)1.19%
ROA(5y)1.07%
ROE(3y)14.41%
ROE(5y)13.72%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.93%
PM growth 5Y8.69%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 0.61
Debt/EBITDA N/A
Cap/Depr 82.51%
Cap/Sales 0.92%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 121.87%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC13.37%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)4.87%
EPS 3Y10.54%
EPS 5Y17.85%
EPS Q2Q%10%
EPS Next Y15.1%
EPS Next 2Y12.42%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)4.14%
Revenue growth 3Y7.62%
Revenue growth 5Y8.3%
Sales Q2Q%3.18%
Revenue Next Year13.02%
Revenue Next 2Y9.73%
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 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A

AMALGAMATED FINANCIAL CORP / AMAL Fundamental Analysis FAQ

What is the fundamental rating for AMAL stock?

ChartMill assigns a fundamental rating of 5 / 10 to AMAL.


What is the valuation status for AMAL stock?

ChartMill assigns a valuation rating of 6 / 10 to AMALGAMATED FINANCIAL CORP (AMAL). This can be considered as Fairly Valued.


How profitable is AMALGAMATED FINANCIAL CORP (AMAL) stock?

AMALGAMATED FINANCIAL CORP (AMAL) has a profitability rating of 4 / 10.


What are the PE and PB ratios of AMALGAMATED FINANCIAL CORP (AMAL) stock?

The Price/Earnings (PE) ratio for AMALGAMATED FINANCIAL CORP (AMAL) is 10.41 and the Price/Book (PB) ratio is 1.47.


What is the expected EPS growth for AMALGAMATED FINANCIAL CORP (AMAL) stock?

The Earnings per Share (EPS) of AMALGAMATED FINANCIAL CORP (AMAL) is expected to grow by 15.1% in the next year.