AMALGAMATED FINANCIAL CORP (AMAL)
US0226711010 - Common Stock
We assign a fundamental rating of 3 out of 10 to AMAL. AMAL was compared to 411 industry peers in the Banks industry. AMAL has a medium profitability rating, but doesn't score so well on its financial health evaluation. AMAL has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year AMAL was profitable.
In the past 5 years AMAL has always been profitable.
Of the past 5 years AMAL 4 years had a positive operating cash flow.
1.2 Ratios
AMAL's Return On Assets of 1.10% is fine compared to the rest of the industry. AMAL outperforms 70.80% of its industry peers.
Looking at the Return On Equity, with a value of 15.03%, AMAL belongs to the top of the industry, outperforming 89.29% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.1% | ||
| ROE | 15.03% | ||
| ROIC | N/A |
ROA(3y)0.96%
ROA(5y)0.91%
ROE(3y)13.48%
ROE(5y)11.74%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
AMAL's Profit Margin of 30.27% is fine compared to the rest of the industry. AMAL outperforms 76.40% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 30.27% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y13.06%
PM growth 5Y3.81%
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.
AMAL has less shares outstanding than it did 5 years ago.
AMAL has a worse debt/assets ratio than last year.
2.2 Solvency
A Debt/Equity ratio of 0.51 indicates that AMAL is somewhat dependend on debt financing.
AMAL's Debt to Equity ratio of 0.51 is on the low side compared to the rest of the industry. AMAL is outperformed by 70.07% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.41%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 8.49% 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 14.38% yearly.
AMAL shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.20%.
Measured over the past years, AMAL shows a quite strong growth in Revenue. The Revenue has been growing by 10.30% on average per year.
EPS 1Y (TTM)8.49%
EPS 3Y22.23%
EPS 5Y14.38%
EPS growth Q2Q-13.25%
Revenue 1Y (TTM)10.2%
Revenue growth 3Y9.63%
Revenue growth 5Y10.3%
Revenue growth Q2Q7.19%
3.2 Future
The Earnings Per Share is expected to grow by 6.23% on average over the next years.
Based on estimates for the next years, AMAL will show a small growth in Revenue. The Revenue will grow by 5.66% on average per year.
EPS Next Y5%
EPS Next 2Y6.23%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.27%
Revenue Next 2Y5.66%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 8.13, the valuation of AMAL can be described as reasonable.
71.78% of the companies in the same industry are more expensive than AMAL, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 25.20. AMAL is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 7.74, the valuation of AMAL can be described as very cheap.
Based on the Price/Forward Earnings ratio, AMAL is valued cheaply inside the industry as 83.94% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 21.63. AMAL is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.13 | ||
| Fwd PE | 7.74 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
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)1.63
PEG (5Y)0.57
EPS Next 2Y6.23%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.86%, AMAL has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.86, AMAL is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 2.44, AMAL is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.86% |
5.2 History
The dividend of AMAL is nicely growing with an annual growth rate of 11.46%!
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)11.46%
Div Incr Years2
Div Non Decr Years5
5.3 Sustainability
The dividend of AMAL is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP0%
EPS Next 2Y6.23%
EPS Next 3YN/A
AMALGAMATED FINANCIAL CORP
NASDAQ:AMAL (4/25/2024, 7:00:00 PM)
After market: 23.89 0 (0%)23.89
-0.09 (-0.38%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap731.51M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.86% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
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EPS beat(4)
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EPS beat(8)
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EPS beat(12)
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EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
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Revenue beat(4)
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Revenue beat(8)
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Revenue beat(12)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.13 | ||
| Fwd PE | 7.74 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)1.63
PEG (5Y)0.57
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.1% | ||
| ROE | 15.03% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 30.27% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)8.49%
EPS 3Y22.23%
EPS 5Y
EPS growth Q2Q
EPS Next Y5%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)10.2%
Revenue growth 3Y9.63%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y