AMALGAMATED FINANCIAL CORP (AMAL) Stock Fundamental Analysis
USA - NASDAQ:AMAL - US0226711010 - Common Stock
27.31 USD
-0.54 (-1.94%)
Taking everything into account, AMAL scores 5 out of 10 in our fundamental rating. AMAL was compared to 390 industry peers in the Banks industry. AMAL has an average financial health and profitability rating. AMAL is not valued too expensively and it also shows a decent growth rate.
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.
Each year in the past 5 years AMAL has been profitable.
In the past 5 years AMAL always reported a positive cash flow from operatings.
1.2 Ratios
AMAL's Return On Assets of 1.20% is fine compared to the rest of the industry. AMAL outperforms 77.95% of its industry peers.
AMAL's Return On Equity of 13.72% is amongst the best of the industry. AMAL outperforms 90.77% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.2% | ||
| ROE | 13.72% | ||
| 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 (32.65%) is better than 87.18% of its industry peers.
AMAL's Profit Margin has improved in the last couple of years.
AMAL does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 32.65% | ||
| 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 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.
2.2 Solvency
AMAL has a debt to FCF ratio of 0.62. This is a very positive value and a sign of high solvency as it would only need 0.62 years to pay back of all of its debts.
AMAL's Debt to FCF ratio of 0.62 is fine compared to the rest of the industry. AMAL outperforms 79.74% of its industry peers.
AMAL has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.10, AMAL is in the better half of the industry, outperforming 70.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.62 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.34%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
AMAL shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.85%.
Measured over the past years, AMAL shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.56% on average per year.
AMAL shows a small growth in Revenue. In the last year, the Revenue has grown by 2.20%.
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 10.40% on average over the next years. This is quite good.
AMAL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.54% yearly.
EPS Next Y3.75%
EPS Next 2Y9.41%
EPS Next 3Y10.4%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 7.65, the valuation of AMAL can be described as very cheap.
Based on the Price/Earnings ratio, AMAL is valued cheaply inside the industry as 93.33% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 27.00, AMAL is valued rather cheaply.
The Price/Forward Earnings ratio is 6.54, which indicates a rather cheap valuation of AMAL.
Compared to the rest of the industry, the Price/Forward Earnings ratio of AMAL indicates a rather cheap valuation: AMAL is cheaper than 92.82% of the companies listed in the same industry.
AMAL is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.87, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.65 | ||
| Fwd PE | 6.54 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of AMAL indicates a rather cheap valuation: AMAL is cheaper than 86.67% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.76 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)2.04
PEG (5Y)0.41
EPS Next 2Y9.41%
EPS Next 3Y10.4%
5. Dividend
5.1 Amount
AMAL has a Yearly Dividend Yield of 1.99%. Purely for dividend investing, there may be better candidates out there.
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 2.31, AMAL has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.99% |
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
5.3 Sustainability
15.61% 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.
DP15.61%
EPS Next 2Y9.41%
EPS Next 3Y10.4%
NASDAQ:AMAL (10/29/2025, 3:25:01 PM)
27.31
-0.54 (-1.94%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners65.34%
Inst Owner Change-0.28%
Ins Owners1.63%
Ins Owner Change0.22%
Market Cap822.30M
Revenue(TTM)321.41M
Net Income(TTM)103.45M
Analysts45.71
Price Target32.13 (17.65%)
Short Float %6.67%
Short Ratio9.43
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.99% |
Yearly Dividend0.46
Dividend Growth(5Y)12.07%
DP15.61%
Div Incr Years3
Div Non Decr Years6
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.53%
Min EPS beat(2)-1.06%
Max EPS beat(2)8.11%
EPS beat(4)3
Avg EPS beat(4)3.76%
Min EPS beat(4)-1.06%
Max EPS beat(4)8.11%
EPS beat(8)6
Avg EPS beat(8)4.48%
EPS beat(12)9
Avg EPS beat(12)4.36%
EPS beat(16)13
Avg EPS beat(16)7.89%
Revenue beat(2)0
Avg Revenue beat(2)-3.14%
Min Revenue beat(2)-3.84%
Max Revenue beat(2)-2.44%
Revenue beat(4)0
Avg Revenue beat(4)-2.52%
Min Revenue beat(4)-3.84%
Max Revenue beat(4)-1.43%
Revenue beat(8)2
Avg Revenue beat(8)-1.61%
Revenue beat(12)3
Avg Revenue beat(12)-0.96%
Revenue beat(16)7
Avg Revenue beat(16)0.81%
PT rev (1m)0%
PT rev (3m)-7.04%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-4.48%
EPS NY rev (1m)1.43%
EPS NY rev (3m)-2.74%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.91%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.7%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.65 | ||
| Fwd PE | 6.54 | ||
| P/S | 2.6 | ||
| P/FCF | 6.76 | ||
| P/OCF | 6.64 | ||
| P/B | 1.09 | ||
| P/tB | 1.11 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.57
EY13.07%
EPS(NY)4.18
Fwd EY15.3%
FCF(TTM)4.04
FCFY14.78%
OCF(TTM)4.12
OCFY15.07%
SpS10.52
BVpS25.04
TBVpS24.57
PEG (NY)2.04
PEG (5Y)0.41
Graham Number44.85
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.2% | ||
| ROE | 13.72% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 32.65% | ||
| GM | N/A | ||
| FCFM | 38.37% |
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-Score6
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.62 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 54.93% | ||
| Cap/Sales | 0.75% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 117.51% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC14.34%
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 Y3.75%
EPS Next 2Y9.41%
EPS Next 3Y10.4%
EPS Next 5YN/A
Revenue 1Y (TTM)2.2%
Revenue growth 3Y15.91%
Revenue growth 5Y10.02%
Sales Q2Q%5.85%
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-12.98%
FCF growth 3Y21.55%
FCF growth 5Y8.14%
OCF growth 1Y-12.3%
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 5 / 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 4 / 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 3.75% in the next year.