AMALGAMATED FINANCIAL CORP (AMAL) Stock Fundamental Analysis
USA - NASDAQ:AMAL - US0226711010 - Common Stock
28.32 USD
+0.87 (+3.17%)
28.32 USD
0 (0%)
Overall AMAL gets a fundamental rating of 5 out of 10. We evaluated AMAL against 391 industry peers in the Banks industry. AMAL has only an average score on both its financial health and profitability. 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 year AMAL had a positive cash flow from operations.
In the past 5 years AMAL has always been profitable.
Each year in the past 5 years AMAL had a positive operating cash flow.
1.2 Ratios
With a decent Return On Assets value of 1.20%, AMAL is doing good in the industry, outperforming 78.01% of the companies in the same industry.
Looking at the Return On Equity, with a value of 13.72%, AMAL belongs to the top of the industry, outperforming 90.79% of the companies in the same industry.
| 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
AMAL has a better Profit Margin (32.65%) than 87.21% 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.
Compared to 1 year ago, AMAL has less shares outstanding
The number of shares outstanding for AMAL has been reduced compared to 5 years ago.
The debt/assets ratio for AMAL has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of AMAL is 0.62, which is an excellent value as it means it would take AMAL, only 0.62 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 0.62, AMAL is doing good in the industry, outperforming 79.80% of the companies in the same industry.
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 69.82% 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
WACC14.28%
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.
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.
The Revenue has grown by 8.60% in the past year. This is quite good.
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)8.6%
Revenue growth 3Y15.91%
Revenue growth 5Y10.02%
Sales Q2Q%5.85%
3.2 Future
AMAL is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.40% yearly.
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
Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of 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
Based on the Price/Earnings ratio of 7.93, the valuation of AMAL can be described as very cheap.
AMAL's Price/Earnings ratio is rather cheap when compared to the industry. AMAL is cheaper than 93.35% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.91, AMAL is valued rather cheaply.
With a Price/Forward Earnings ratio of 6.78, the valuation of AMAL can be described as very cheap.
Based on the Price/Forward Earnings ratio, AMAL is valued cheaper than 92.33% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of AMAL to the average of the S&P500 Index (22.92), we can say AMAL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.93 | ||
| Fwd PE | 6.78 |
4.2 Price Multiples
86.96% 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 | 7.01 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates AMAL does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)2.11
PEG (5Y)0.43
EPS Next 2Y9.41%
EPS Next 3Y10.4%
5. Dividend
5.1 Amount
AMAL has a Yearly Dividend Yield of 2.04%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.53, AMAL is paying slightly less dividend.
AMAL's Dividend Yield is comparable with the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.04% |
5.2 History
On average, the dividend of AMAL grows each year by 12.07%, which is quite nice.
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
AMAL pays out 15.61% of its income as dividend. This is a 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%
28.32
+0.87 (+3.17%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners65.34%
Inst Owner Change-0.16%
Ins Owners1.63%
Ins Owner Change0.22%
Market Cap852.72M
Revenue(TTM)315.64M
Net Income(TTM)103.45M
Analysts45.71
Price Target33.66 (18.86%)
Short Float %6.68%
Short Ratio9.45
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.04% |
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)0%
EPS NY rev (3m)-4.11%
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 | 7.93 | ||
| Fwd PE | 6.78 | ||
| P/S | 2.69 | ||
| P/FCF | 7.01 | ||
| P/OCF | 6.88 | ||
| P/B | 1.13 | ||
| P/tB | 1.15 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.57
EY12.61%
EPS(NY)4.18
Fwd EY14.75%
FCF(TTM)4.04
FCFY14.26%
OCF(TTM)4.12
OCFY14.53%
SpS10.52
BVpS25.04
TBVpS24.57
PEG (NY)2.11
PEG (5Y)0.43
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
WACC14.28%
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)8.6%
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.