29.47 USD
-0.11 (-0.37%)
Overall AMAL gets a fundamental rating of 4 out of 10. We evaluated AMAL against 387 industry peers in the Banks industry. While AMAL is still in line with the averages on profitability rating, there are concerns on its financial health. AMAL has a decent growth rate and is not valued too expensively.
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.
In the past 5 years AMAL has always been profitable.
AMAL had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of AMAL (1.18%) is better than 74.68% of its industry peers.
The Return On Equity of AMAL (13.19%) is better than 88.37% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.18% | ||
| ROE | 13.19% | ||
| 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
The Profit Margin of AMAL (31.83%) is better than 84.50% 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) | 31.83% | ||
| 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 more shares outstanding than it did 1 year ago.
The number of shares outstanding for AMAL has been reduced compared to 5 years ago.
AMAL has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of AMAL is 0.61, which is an excellent value as it means it would take AMAL, only 0.61 years of fcf income to pay off all of its debts.
AMAL's Debt to FCF ratio of 0.61 is fine compared to the rest of the industry. AMAL outperforms 79.07% of its industry peers.
A Debt/Equity ratio of 0.10 indicates that AMAL is not too dependend on debt financing.
The Debt to Equity ratio of AMAL (0.10) is better than 70.03% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.61 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.09%
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 been growing slightly by 7.85% over the past year.
The Earnings Per Share has been growing by 18.56% on average over the past years. This is quite good.
Looking at the last year, AMAL shows a small growth in Revenue. The Revenue has grown by 2.20% in the last year.
The Revenue has been growing by 10.02% on average over the past years. This is quite good.
EPS 1Y (TTM)7.85%
EPS 3Y27.34%
EPS 5Y18.56%
EPS Q2Q%0%
Revenue 1Y (TTM)2.2%
Revenue growth 3Y15.91%
Revenue growth 5Y10.02%
Sales Q2Q%5.85%
3.2 Future
The Earnings Per Share is expected to grow by 7.92% on average over the next years.
The Revenue is expected to grow by 6.14% on average over the next years.
EPS Next Y5.8%
EPS Next 2Y7.42%
EPS Next 3Y7.92%
EPS Next 5YN/A
Revenue Next Year2.4%
Revenue Next 2Y5.35%
Revenue Next 3Y6.14%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last 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
A Price/Earnings ratio of 8.25 indicates a reasonable valuation of AMAL.
Based on the Price/Earnings ratio, AMAL is valued cheaply inside the industry as 93.02% of the companies are valued more expensively.
AMAL's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.15.
The Price/Forward Earnings ratio is 7.32, which indicates a rather cheap valuation of AMAL.
89.66% of the companies in the same industry are more expensive than AMAL, based on the Price/Forward Earnings ratio.
AMAL is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.12, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.25 | ||
| Fwd PE | 7.32 |
4.2 Price Multiples
83.98% of the companies in the same industry are more expensive than AMAL, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.12 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.42
PEG (5Y)0.44
EPS Next 2Y7.42%
EPS Next 3Y7.92%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.01%, AMAL has a reasonable but not impressive dividend return.
AMAL's Dividend Yield is slightly below the industry average, which is at 3.33.
AMAL's Dividend Yield is comparable with the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.01% |
5.2 History
The dividend of AMAL is nicely growing with an annual growth rate of 12.18%!
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)12.18%
Div Incr Years3
Div Non Decr Years6
5.3 Sustainability
16.32% 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.
DP16.32%
EPS Next 2Y7.42%
EPS Next 3Y7.92%
NASDAQ:AMAL (11/28/2025, 11:08:56 AM)
29.47
-0.11 (-0.37%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners65.34%
Inst Owner Change-2.77%
Ins Owners1.63%
Ins Owner Change0.16%
Market Cap887.34M
Revenue(TTM)321.41M
Net Income(TTM)102.30M
Analysts45.71
Price Target32.13 (9.03%)
Short Float %7.01%
Short Ratio9.69
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.01% |
Yearly Dividend0.47
Dividend Growth(5Y)12.18%
DP16.32%
Div Incr Years3
Div Non Decr Years6
Ex-Date
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)-4.55%
PT rev (3m)-4.55%
EPS NQ rev (1m)1.12%
EPS NQ rev (3m)1.12%
EPS NY rev (1m)1.97%
EPS NY rev (3m)3.43%
Revenue NQ rev (1m)-1.7%
Revenue NQ rev (3m)-1.7%
Revenue NY rev (1m)0.25%
Revenue NY rev (3m)0.25%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.25 | ||
| Fwd PE | 7.32 | ||
| P/S | 2.76 | ||
| P/FCF | 7.12 | ||
| P/OCF | 6.95 | ||
| P/B | 1.14 | ||
| P/tB | 1.17 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.57
EY12.11%
EPS(NY)4.03
Fwd EY13.67%
FCF(TTM)4.14
FCFY14.05%
OCF(TTM)4.24
OCFY14.39%
SpS10.67
BVpS25.76
TBVpS25.29
PEG (NY)1.42
PEG (5Y)0.44
Graham Number45.49
Profitability
| Industry Rank | Sector 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)1.14%
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
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 3Y8.92%
PM growth 5Y6.94%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
| Industry Rank | Sector 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-Score5
WACC14.09%
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)7.85%
EPS 3Y27.34%
EPS 5Y18.56%
EPS Q2Q%0%
EPS Next Y5.8%
EPS Next 2Y7.42%
EPS Next 3Y7.92%
EPS Next 5YN/A
Revenue 1Y (TTM)2.2%
Revenue growth 3Y15.91%
Revenue growth 5Y10.02%
Sales Q2Q%5.85%
Revenue Next Year2.4%
Revenue Next 2Y5.35%
Revenue Next 3Y6.14%
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 1Y5.65%
FCF growth 3Y21.55%
FCF growth 5Y8.14%
OCF growth 1Y5.84%
OCF growth 3Y20.73%
OCF growth 5Y8.24%
AMALGAMATED FINANCIAL CORP / AMAL FAQ
What is the fundamental rating for AMAL stock?
ChartMill assigns a fundamental rating of 4 / 10 to AMAL.
Can you provide the valuation status for AMALGAMATED FINANCIAL CORP?
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 5 / 10.
How financially healthy is AMALGAMATED FINANCIAL CORP?
The financial health rating of AMALGAMATED FINANCIAL CORP (AMAL) is 3 / 10.
Can you provide the expected EPS growth for AMAL stock?
The Earnings per Share (EPS) of AMALGAMATED FINANCIAL CORP (AMAL) is expected to grow by 5.8% in the next year.