33.25 USD
-0.72 (-2.12%)
33.25 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to AMAL. AMAL was compared to 383 industry peers in the Banks industry. There are concerns on the financial health of AMAL while its profitability can be described as average. 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
- AMAL's Return On Assets of 1.18% is fine compared to the rest of the industry. AMAL outperforms 74.15% of its industry peers.
- Looking at the Return On Equity, with a value of 13.19%, AMAL belongs to the top of the industry, outperforming 87.73% of the companies in the same industry.
| 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
- AMAL's Profit Margin of 31.83% is amongst the best of the industry. AMAL outperforms 84.33% of its industry peers.
- In the last couple of years the Profit Margin of AMAL has grown nicely.
- 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) | 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.
- Compared to 1 year ago, AMAL has an improved debt to assets ratio.
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 78.33% 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.
- AMAL has a Debt to Equity ratio of 0.10. This is in the better half of the industry: AMAL outperforms 69.19% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.61 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.8%
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.
- AMAL shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.02% yearly.
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
- AMAL is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.92% yearly.
- Based on estimates for the next years, AMAL will show a small growth in Revenue. The Revenue will grow by 6.14% on average per year.
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
- 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 9.31, the valuation of AMAL can be described as reasonable.
- Compared to the rest of the industry, the Price/Earnings ratio of AMAL indicates a rather cheap valuation: AMAL is cheaper than 87.99% of the companies listed in the same industry.
- AMAL is valuated cheaply when we compare the Price/Earnings ratio to 27.30, which is the current average of the S&P500 Index.
- AMAL is valuated reasonably with a Price/Forward Earnings ratio of 8.26.
- Based on the Price/Forward Earnings ratio, AMAL is valued cheaper than 85.64% of the companies in the same industry.
- AMAL's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.04.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.31 | ||
| Fwd PE | 8.26 |
4.2 Price Multiples
- AMAL's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. AMAL is cheaper than 79.37% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.98 | ||
| 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)1.61
PEG (5Y)0.5
EPS Next 2Y7.42%
EPS Next 3Y7.92%
5. Dividend
5.1 Amount
- AMAL has a Yearly Dividend Yield of 1.65%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.90, AMAL is paying slightly less dividend.
- Compared to an average S&P500 Dividend Yield of 1.92, AMAL has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.65% |
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.
- AMAL has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)12.18%
Div Incr Years3
Div Non Decr Years6
5.3 Sustainability
- AMAL pays out 16.32% of its income as dividend. This is a sustainable payout ratio.
- The dividend of AMAL is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP16.32%
EPS Next 2Y7.42%
EPS Next 3Y7.92%
33.25
-0.72 (-2.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-23 2025-10-23/bmo
Earnings (Next)01-22 2026-01-22/bmo
Inst Owners63.61%
Inst Owner Change0.81%
Ins Owners1.66%
Ins Owner Change0.15%
Market Cap995.50M
Revenue(TTM)321.41M
Net Income(TTM)102.30M
Analysts80
Price Target35.19 (5.83%)
Short Float %4.22%
Short Ratio5.37
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.65% |
Yearly Dividend0.47
Dividend Growth(5Y)12.18%
DP16.32%
Div Incr Years3
Div Non Decr Years6
Ex-DateN/A
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)7.81%
PT rev (3m)4.55%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.12%
EPS NY rev (1m)0%
EPS NY rev (3m)3.43%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.7%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.25%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.31 | ||
| Fwd PE | 8.26 | ||
| P/S | 3.1 | ||
| P/FCF | 7.98 | ||
| P/OCF | 7.8 | ||
| P/B | 1.28 | ||
| P/tB | 1.31 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.57
EY10.74%
EPS(NY)4.03
Fwd EY12.11%
FCF(TTM)4.16
FCFY12.52%
OCF(TTM)4.26
OCFY12.82%
SpS10.74
BVpS25.9
TBVpS25.44
PEG (NY)1.61
PEG (5Y)0.5
Graham Number45.62
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
WACC13.8%
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.
What is the valuation status for AMAL stock?
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.
What are the PE and PB ratios of AMALGAMATED FINANCIAL CORP (AMAL) stock?
The Price/Earnings (PE) ratio for AMALGAMATED FINANCIAL CORP (AMAL) is 9.31 and the Price/Book (PB) ratio is 1.28.
What is the expected EPS growth for AMALGAMATED FINANCIAL CORP (AMAL) stock?
The Earnings per Share (EPS) of AMALGAMATED FINANCIAL CORP (AMAL) is expected to grow by 5.8% in the next year.