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AMALGAMATED FINANCIAL CORP (AMAL) Stock Fundamental Analysis

NASDAQ:AMAL - Nasdaq - US0226711010 - Common Stock - Currency: USD

27.89  +0.37 (+1.34%)

After market: 27.89 0 (0%)

Fundamental Rating

5

Overall AMAL gets a fundamental rating of 5 out of 10. We evaluated AMAL against 392 industry peers in the Banks industry. AMAL has an average financial health and profitability rating. AMAL is valued quite cheap, while showing a decent growth score. This is a good combination!


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

AMAL had positive earnings in the past year.
AMAL had a positive operating cash flow in the past year.
AMAL had positive earnings in each of the past 5 years.
AMAL had a positive operating cash flow in each 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M

1.2 Ratios

AMAL has a Return On Assets of 1.26%. This is amongst the best in the industry. AMAL outperforms 82.14% of its industry peers.
Looking at the Return On Equity, with a value of 14.16%, AMAL belongs to the top of the industry, outperforming 90.31% of the companies in the same industry.
Industry RankSector Rank
ROA 1.26%
ROE 14.16%
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
AMAL Yearly ROA, ROE, ROICAMAL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

Looking at the Profit Margin, with a value of 33.15%, AMAL belongs to the top of the industry, outperforming 88.78% of the companies in the same industry.
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) 33.15%
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
AMAL Yearly Profit, Operating, Gross MarginsAMAL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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4

2. Health

2.1 Basic Checks

AMAL does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for AMAL has been reduced compared to 1 year ago.
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 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 2B 4B 6B 8B

2.2 Solvency

AMAL has a debt to FCF ratio of 0.56. This is a very positive value and a sign of high solvency as it would only need 0.56 years to pay back of all of its debts.
The Debt to FCF ratio of AMAL (0.56) is better than 81.89% of its industry peers.
AMAL has a Debt/Equity ratio of 0.09. This is a healthy value indicating a solid balance between debt and equity.
AMAL has a better Debt to Equity ratio (0.09) than 72.45% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 0.56
Altman-Z N/A
ROIC/WACCN/A
WACC14.43%
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 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 50M 100M 150M 200M 250M

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5

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.
AMAL shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.56% yearly.
Looking at the last year, AMAL shows a small growth in Revenue. The Revenue has grown by 4.24% in the last year.
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

Based on estimates for the next years, AMAL will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.30% on average per year.
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 Y6.68%
EPS Next 2Y11.3%
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.
AMAL Yearly Revenue VS EstimatesAMAL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M
AMAL Yearly EPS VS EstimatesAMAL Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4

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7

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 7.81, the valuation of AMAL can be described as very cheap.
92.86% of the companies in the same industry are more expensive than AMAL, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.48, AMAL is valued rather cheaply.
A Price/Forward Earnings ratio of 6.45 indicates a rather cheap valuation of AMAL.
AMAL's Price/Forward Earnings ratio is rather cheap when compared to the industry. AMAL is cheaper than 91.84% of the companies in the same industry.
AMAL is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.04, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 7.81
Fwd PE 6.45
AMAL Price Earnings VS Forward Price EarningsAMAL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, AMAL is valued cheaper than 85.97% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.9
EV/EBITDA N/A
AMAL Per share dataAMAL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

AMAL's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.17
PEG (5Y)0.42
EPS Next 2Y11.3%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.93%, AMAL has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.50, AMAL is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.40, AMAL has a dividend comparable with the average S&P500 company.
Industry RankSector 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.
AMAL has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)12.07%
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 0.1 0.2 0.3 0.4

5.3 Sustainability

AMAL pays out 14.78% 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.
DP14.78%
EPS Next 2Y11.3%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M
AMAL Dividend Payout.AMAL Dividend Payout, showing the Payout Ratio.AMAL Dividend Payout.PayoutRetained Earnings

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AMALGAMATED FINANCIAL CORP

NASDAQ:AMAL (8/8/2025, 8:18:53 PM)

After market: 27.89 0 (0%)

27.89

+0.37 (+1.34%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-24 2025-07-24/bmo
Earnings (Next)10-22 2025-10-22/bmo
Inst Owners63.22%
Inst Owner Change-1.24%
Ins Owners1.47%
Ins Owner Change0.15%
Market Cap853.16M
Analysts80
Price Target36.21 (29.83%)
Short Float %7.08%
Short Ratio8.74
Dividend
Industry RankSector Rank
Dividend Yield 1.93%
Yearly Dividend0.46
Dividend Growth(5Y)12.07%
DP14.78%
Div Incr Years3
Div Non Decr Years6
Ex-Date08-05 2025-08-05 (0.14)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)4.28%
Min EPS beat(2)0.44%
Max EPS beat(2)8.11%
EPS beat(4)4
Avg EPS beat(4)5.34%
Min EPS beat(4)0.44%
Max EPS beat(4)8.11%
EPS beat(8)6
Avg EPS beat(8)4.07%
EPS beat(12)10
Avg EPS beat(12)5.77%
EPS beat(16)13
Avg EPS beat(16)7.17%
Revenue beat(2)0
Avg Revenue beat(2)-2.4%
Min Revenue beat(2)-2.44%
Max Revenue beat(2)-2.37%
Revenue beat(4)0
Avg Revenue beat(4)-3.24%
Min Revenue beat(4)-6.7%
Max Revenue beat(4)-1.43%
Revenue beat(8)2
Avg Revenue beat(8)-1.39%
Revenue beat(12)4
Avg Revenue beat(12)-0.27%
Revenue beat(16)7
Avg Revenue beat(16)0.75%
PT rev (1m)1.43%
PT rev (3m)-4.05%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)2.86%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-1.7%
Revenue NY rev (3m)-2.12%
Valuation
Industry RankSector Rank
PE 7.81
Fwd PE 6.45
P/S 2.71
P/FCF 6.9
P/OCF 6.72
P/B 1.16
P/tB 1.18
EV/EBITDA N/A
EPS(TTM)3.57
EY12.8%
EPS(NY)4.32
Fwd EY15.5%
FCF(TTM)4.04
FCFY14.5%
OCF(TTM)4.15
OCFY14.89%
SpS10.28
BVpS24.06
TBVpS23.59
PEG (NY)1.17
PEG (5Y)0.42
Profitability
Industry RankSector Rank
ROA 1.26%
ROE 14.16%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 33.15%
GM N/A
FCFM 39.35%
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-Score9
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 0.56
Debt/EBITDA N/A
Cap/Depr 69.58%
Cap/Sales 1.06%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 118.7%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC14.43%
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 Y6.68%
EPS Next 2Y11.3%
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-24.67%
FCF growth 3Y21.55%
FCF growth 5Y8.14%
OCF growth 1Y-23.21%
OCF growth 3Y20.73%
OCF growth 5Y8.24%