AMAL Fundamental Analysis - AMALGAMATED FINANCIAL CORP

Fundamental Rating

Taking everything into account, AMAL scores 5 out of 10 in our fundamental rating. AMAL was compared to 395 industry peers in the Banks industry. AMAL has only an average score on both its financial health and profitability. A decent growth rate in combination with a cheap valuation! Better keep an eye on AMAL.

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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.

In the past 5 years AMAL always reported a positive cash flow from operatings.

1.2 Ratios

With an excellent Return On Assets value of 1.26%, AMAL belongs to the best of the industry, outperforming 81.52% of the companies in the same industry.

AMAL has a better Return On Equity (14.16%) than 89.87% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.26%
ROE	14.16%
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 33.15% is amongst the best of the industry. AMAL outperforms 88.35% 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)	33.15%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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

AMAL has less shares outstanding than it did 5 years ago.

The debt/assets ratio for AMAL has been reduced compared to a year ago.

2.2 Solvency

AMAL has a debt to FCF ratio of 0.56. This is a very positive value and a sign of high solvency as it would only need 0.56 years to pay back of all of its debts.

AMAL's Debt to FCF ratio of 0.56 is amongst the best of the industry. AMAL outperforms 81.52% of its industry peers.

AMAL has a Debt/Equity ratio of 0.09. This is a healthy value indicating a solid balance between debt and equity.

AMAL's Debt to Equity ratio of 0.09 is fine compared to the rest of the industry. AMAL outperforms 72.41% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.09
Debt/FCF	0.56
Altman-Z	N/A

ROIC/WACCN/A

WACC14.52%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 16.83% over the past year.

The Earnings Per Share has been growing by 18.56% on average over the past years. This is quite good.

AMAL shows a small growth in Revenue. In the last year, the Revenue has grown by 6.05%.

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)16.83%

EPS 3Y27.34%

EPS 5Y18.56%

EPS Q2Q%6.02%

Revenue 1Y (TTM)6.05%

Revenue growth 3Y15.91%

Revenue growth 5Y10.02%

Sales Q2Q%-1.64%

3.2 Future

Based on estimates for the next years, AMAL will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.30% on average per year.

The Revenue is expected to grow by 8.11% on average over the next years. This is quite good.

EPS Next Y6.68%

EPS Next 2Y11.3%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year3.92%

Revenue Next 2Y8.11%

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.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 8.50, the valuation of AMAL can be described as reasonable.

89.62% of the companies in the same industry are more expensive than AMAL, based on the Price/Earnings ratio.

AMAL's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.57.

AMAL is valuated cheaply with a Price/Forward Earnings ratio of 6.96.

Based on the Price/Forward Earnings ratio, AMAL is valued cheaply inside the industry as 86.84% of the companies are valued more expensively.

AMAL's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.41.

		Industry Rank	Sector Rank
PE	8.5
Fwd PE	6.96

4.2 Price Multiples

80.51% 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	7.44
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)1.27

PEG (5Y)0.46

EPS Next 2Y11.3%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

AMAL has a Yearly Dividend Yield of 1.81%.

AMAL's Dividend Yield is slightly below the industry average, which is at 3.46.

Compared to the average S&P500 Dividend Yield of 2.40, AMAL is paying slightly less dividend.

		Industry Rank	Sector Rank
Dividend Yield	1.81%

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 14.78% 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.

DP14.78%

EPS Next 2Y11.3%

EPS Next 3YN/A

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AMALGAMATED FINANCIAL CORP

NASDAQ:AMAL (6/16/2025, 8:27:12 PM)

After market: 30.09 0 (0%)

30.09

-0.16 (-0.53%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-24 2025-04-24/bmo

Earnings (Next)07-23 2025-07-23/bmo

Inst Owners63.22%

Inst Owner Change3.86%

Ins Owners1.47%

Ins Owner Change0%

Market Cap920.45M

Analysts80

Price Target35.7 (18.64%)

Short Float %6.39%

Short Ratio7.13

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.81%

Yearly Dividend0.46

Dividend Growth(5Y)12.07%

DP14.78%

Div Incr Years3

Div Non Decr Years6

Ex-Date05-06 2025-05-06 (0.14)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)4.28%

Min EPS beat(2)0.44%

Max EPS beat(2)8.11%

EPS beat(4)4

Avg EPS beat(4)5.34%

Min EPS beat(4)0.44%

Max EPS beat(4)8.11%

EPS beat(8)6

Avg EPS beat(8)4.07%

EPS beat(12)10

Avg EPS beat(12)5.77%

EPS beat(16)13

Avg EPS beat(16)7.17%

Revenue beat(2)0

Avg Revenue beat(2)-2.4%

Min Revenue beat(2)-2.44%

Max Revenue beat(2)-2.37%

Revenue beat(4)0

Avg Revenue beat(4)-3.24%

Min Revenue beat(4)-6.7%

Max Revenue beat(4)-1.43%

Revenue beat(8)2

Avg Revenue beat(8)-1.39%

Revenue beat(12)4

Avg Revenue beat(12)-0.27%

Revenue beat(16)7

Avg Revenue beat(16)0.75%

PT rev (1m)1.45%

PT rev (3m)-15.66%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-0.68%

EPS NY rev (1m)0%

EPS NY rev (3m)2.86%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-0.28%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-0.43%

Valuation

		Industry Rank	Sector Rank
PE	8.5
Fwd PE	6.96
P/S	2.93
P/FCF	7.44
P/OCF	7.25
P/B	1.25
P/tB	1.28
EV/EBITDA	N/A

EPS(TTM)3.54

EY11.76%

EPS(NY)4.32

Fwd EY14.37%

FCF(TTM)4.04

FCFY13.44%

OCF(TTM)4.15

OCFY13.8%

SpS10.28

BVpS24.06

TBVpS23.59

PEG (NY)1.27

PEG (5Y)0.46

Profitability

		Industry Rank	Sector Rank
ROA	1.26%
ROE	14.16%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	33.15%
GM	N/A
FCFM	39.35%

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

ROICexcg growth 3YN/A

ROICexcg 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-Score9

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.09
Debt/FCF	0.56
Debt/EBITDA	N/A
Cap/Depr	69.58%
Cap/Sales	1.06%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	118.7%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score9

WACC14.52%

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)16.83%

EPS 3Y27.34%

EPS 5Y18.56%

EPS Q2Q%6.02%

EPS Next Y6.68%

EPS Next 2Y11.3%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)6.05%

Revenue growth 3Y15.91%

Revenue growth 5Y10.02%

Sales Q2Q%-1.64%

Revenue Next Year3.92%

Revenue Next 2Y8.11%

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-24.67%

FCF growth 3Y21.55%

FCF growth 5Y8.14%

OCF growth 1Y-23.21%

OCF growth 3Y20.73%

OCF growth 5Y8.24%

AMALGAMATED FINANCIAL CORP (AMAL) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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