AMALGAMATED FINANCIAL CORP (AMAL) Fundamental Analysis & Valuation

NASDAQ:AMAL • US0226711010

Current stock price

43.08 USD
-0.52 (-1.19%)
At close:
43.08 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.

5

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.
  • Each year in the past 5 years AMAL had a positive operating cash flow.
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

  • AMAL has a Return On Assets of 1.18%. This is in the better half of the industry: AMAL outperforms 71.54% of its industry peers.
  • With an excellent Return On Equity value of 13.15%, AMAL belongs to the best of the industry, outperforming 86.97% of the companies in the same industry.
Industry RankSector Rank
ROA 1.18%
ROE 13.15%
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

  • The Profit Margin of AMAL (31.77%) is better than 81.38% 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) 31.77%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • AMAL has less shares outstanding than it did 1 year ago.
  • AMAL has less shares outstanding than it did 5 years ago.
  • AMAL has a better debt/assets ratio than last year.
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 0.52. This is a very positive value and a sign of high solvency as it would only need 0.52 years to pay back of all of its debts.
  • AMAL's Debt to FCF ratio of 0.52 is amongst the best of the industry. AMAL outperforms 80.05% 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 69.68% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 0.52
Altman-Z N/A
ROIC/WACCN/A
WACC13.96%
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

  • AMAL shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.87%.
  • AMAL shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 17.85% yearly.
  • Looking at the last year, AMAL shows a small growth in Revenue. The Revenue has grown by 4.14% in the last year.
  • The Revenue has been growing by 8.30% on average over the past years. This is quite good.
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

  • The Earnings Per Share is expected to grow by 12.11% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 9.73% on average over the next years. This is quite good.
EPS Next Y13.7%
EPS Next 2Y12.11%
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

  • 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 stable: in the next years the growth will be about the same than in the last years.
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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5

4. AMAL Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 11.77, the valuation of AMAL can be described as very reasonable.
  • The rest of the industry has a similar Price/Earnings ratio as AMAL.
  • Compared to an average S&P500 Price/Earnings ratio of 27.71, AMAL is valued rather cheaply.
  • AMAL is valuated reasonably with a Price/Forward Earnings ratio of 10.35.
  • AMAL's Price/Forward Earnings is on the same level as the industry average.
  • When comparing the Price/Forward Earnings ratio of AMAL to the average of the S&P500 Index (38.09), we can say AMAL is valued rather cheaply.
Industry RankSector Rank
PE 11.77
Fwd PE 10.35
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 a bit cheaper than 75.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.57
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

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as AMAL's earnings are expected to grow with 12.11% in the coming years.
PEG (NY)0.86
PEG (5Y)0.66
EPS Next 2Y12.11%
EPS Next 3YN/A

More info and screens

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 1.62%. Purely for dividend investing, there may be better candidates out there.
  • AMAL's Dividend Yield is slightly below the industry average, which is at 2.57.
  • AMAL's Dividend Yield is comparable with the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 1.62%

5.2 History

  • On average, the dividend of AMAL grows each year by 12.19%, which is quite nice.
  • 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)12.19%
Div Incr Years4
Div Non Decr Years7
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

  • 16.47% of the earnings are spent on dividend by AMAL. This is a low number and sustainable payout ratio.
  • AMAL's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP16.47%
EPS Next 2Y12.11%
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 (4/21/2026, 5:28:43 PM)

After market: 43.08 0 (0%)

43.08

-0.52 (-1.19%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-23
Inst Owners61.42%
Inst Owner Change-0.04%
Ins Owners1.93%
Ins Owner Change0.24%
Market Cap1.29B
Revenue(TTM)328.72M
Net Income(TTM)104.45M
Analysts80
Price Target42.84 (-0.56%)
Short Float %5.35%
Short Ratio7.68
Dividend
Industry RankSector Rank
Dividend Yield 1.62%
Yearly Dividend0.57
Dividend Growth(5Y)12.19%
DP16.47%
Div Incr Years4
Div Non Decr Years7
Ex-Date02-03
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)4.6%
Min EPS beat(2)1.96%
Max EPS beat(2)7.25%
EPS beat(4)3
Avg EPS beat(4)4.07%
Min EPS beat(4)-1.06%
Max EPS beat(4)8.11%
EPS beat(8)7
Avg EPS beat(8)4.98%
EPS beat(12)9
Avg EPS beat(12)3.58%
EPS beat(16)13
Avg EPS beat(16)5.89%
Revenue beat(2)1
Avg Revenue beat(2)-0.43%
Min Revenue beat(2)-1.58%
Max Revenue beat(2)0.72%
Revenue beat(4)1
Avg Revenue beat(4)-1.79%
Min Revenue beat(4)-3.84%
Max Revenue beat(4)0.72%
Revenue beat(8)2
Avg Revenue beat(8)-2.07%
Revenue beat(12)3
Avg Revenue beat(12)-1.35%
Revenue beat(16)6
Avg Revenue beat(16)-0.18%
PT rev (1m)3.7%
PT rev (3m)21.74%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.35%
EPS NY rev (1m)-1.21%
EPS NY rev (3m)3.33%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)7.05%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.29%
Valuation
Industry RankSector Rank
PE 11.77
Fwd PE 10.35
P/S 3.91
P/FCF 9.57
P/OCF 9.47
P/B 1.62
P/tB 1.65
EV/EBITDA N/A
EPS(TTM)3.66
EY8.5%
EPS(NY)4.16
Fwd EY9.66%
FCF(TTM)4.5
FCFY10.45%
OCF(TTM)4.55
OCFY10.56%
SpS11.01
BVpS26.62
TBVpS26.15
PEG (NY)0.86
PEG (5Y)0.66
Graham Number46.8163 (8.67%)
Profitability
Industry RankSector Rank
ROA 1.18%
ROE 13.15%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 31.77%
GM N/A
FCFM 40.89%
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 0.09
Debt/FCF 0.52
Debt/EBITDA N/A
Cap/Depr 20.29%
Cap/Sales 0.42%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 128.68%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC13.96%
ROIC/WACCN/A
Cap/Depr(3y)28.81%
Cap/Depr(5y)34.84%
Cap/Sales(3y)0.5%
Cap/Sales(5y)0.66%
Profit Quality(3y)125.05%
Profit Quality(5y)136.51%
High Growth Momentum
Growth
EPS 1Y (TTM)4.87%
EPS 3Y10.54%
EPS 5Y17.85%
EPS Q2Q%10%
EPS Next Y13.7%
EPS Next 2Y12.11%
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 1Y9.91%
FCF growth 3Y-2.63%
FCF growth 5Y15.92%
OCF growth 1Y9.44%
OCF growth 3Y-2.68%
OCF growth 5Y15.59%

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 5 / 10 to AMALGAMATED FINANCIAL CORP (AMAL). This can be considered as Fairly Valued.


Can you provide the profitability details for AMALGAMATED FINANCIAL CORP?

AMALGAMATED FINANCIAL CORP (AMAL) has a profitability rating of 5 / 10.


What is the valuation of AMALGAMATED FINANCIAL CORP based on its PE and PB ratios?

The Price/Earnings (PE) ratio for AMALGAMATED FINANCIAL CORP (AMAL) is 11.77 and the Price/Book (PB) ratio is 1.62.


How sustainable is the dividend of AMALGAMATED FINANCIAL CORP (AMAL) stock?

The dividend rating of AMALGAMATED FINANCIAL CORP (AMAL) is 5 / 10 and the dividend payout ratio is 16.47%.