AMAL Stock Analysis: Amalgamated Bank | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 1.402m USD | 12M Return: 52.3% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 6.04M
EPS Trend: 92.7%
Qual. Beats: -1
Rev. Trend: 95.5%
Qual. Beats: 16
Warnings
Tailwinds
Seasonality 8 years of data
Average return per month, with how dependable it is below — did the month move the same way every year (high) or randomly (low). Above 60 is a pattern worth trusting; under 40 is noise.
Amalgamated Financial Corp. is the holding company for Amalgamated Bank, a U.S. commercial bank founded in 1923 and headquartered in New York City. The company provides commercial and retail banking, investment management, and trust and custody services to clients nationwide. Its deposit offerings include non-interest-bearing accounts, interest-bearing demand accounts, savings and money market accounts, NOW accounts, time deposits, and certificates of deposit, while its loan portfolio spans commercial and industrial lending, multifamily mortgage, commercial and residential real estate, consumer solar, and consumer loans. Supporting services include online and cash management banking, bill payment, debit and ATM cards, safe deposit box rentals, and full-service trust, custody, and investment management. The company also distributes index and actively-managed investment funds covering equities, fixed income, real estate, and alternatives, alongside brokerage, asset management, and insurance products.
AMAL trades on NASDAQ and is classified within the regional banks sub-industry of the financials sector. Regional banks like Amalgamated generally operate under dual oversight from the Federal Reserve and the FDIC, and typically focus their lending and deposit-gathering activities within defined geographic footprints or specialized customer segments rather than competing nationally on the scale of money-center banks.
- Net interest margin compresses as deposit costs rise
- Commercial real estate loan portfolio raises credit risk concerns
- ESG-focused banking niche drives deposit and fee growth
| Net Income: 104.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.13 > 1.0 |
| NWC/Revenue: 12.52% < 20% (prev -1.55k%; Δ 1.57k% < -1%) |
| CFO/TA 0.02 > 3% & CFO 158.3m > Net Income 104.6m |
| Net Debt (81.0m) to EBITDA (146.0m): 0.55 < 3 |
| Current Ratio: 7.33 > 1.5 & < 3 |
| Outstanding Shares: last quarter (30.1m) vs 12m ago -2.57% < -2% |
| Gross Margin: 68.56% > 18% (prev 70.59%; Δ -2.03% > 0.5%) |
| Asset Turnover: 5.36% > 50% (prev 5.31%; Δ 0.05% > 0%) |
| Interest Coverage Ratio: 1.13 > 6 (EBIT TTM 139.5m / Interest Expense TTM 123.5m) |
| A: 0.01 (Total Current Assets 67.9m - Total Current Liabilities 9.26m) / Total Assets 9.17b |
| B: 0.06 (Retained Earnings 587.3m / Total Assets 9.17b) |
| C: 0.02 (EBIT TTM 139.5m / Avg Total Assets 8.73b) |
| D: 0.10 (Book Value of Equity 807.6m / Total Liabilities 8.36b) |
| Altman-Z'' = 0.46 = B |
| DSRI: 0.96 (Receivables 56.2m/55.1m, Revenue 468.0m/439.9m) |
| GMI: 1.03 (GM 70.59% / 68.56%) |
| AQI: 1.07 (AQ_t 0.99 / AQ_t-1 0.93) |
| SGI: 1.06 (Revenue 468.0m / 439.9m) |
| TATA: -0.01 (NI 104.6m - CFO 158.3m) / TA 9.17b) |
| Beneish M = -2.95 (Cap -4..+1) = A |
As of June 30, 2026, the stock is trading at USD 46.65 with a total of 253,147 shares traded. Over the past week, the price has changed by +5.42%, over one month by +12.46%, over three months by +22.51% and over the past year by +52.30%.
Current recommended Stop Loss: 45.20 (which is 3.1% or 1.3 ATR below the current price).
Amalgamated Bank has received a consensus analysts rating of 3.50. Therefore, it is recommended to hold AMAL.
- StrongBuy: 0
- Buy: 1
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 48 | 2.9% |
P/E Trailing = 13.6483
P/S = 4.438
P/B = 1.7364
Revenue TTM = 468.0m USD
EBIT TTM = 139.5m USD
EBITDA TTM = 146.0m USD
Long Term Debt = 69.6m USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 92.6m USD (from shortLongTermDebtTotal, last quarter) + Leases 11.5m
Net Debt = 81.0m USD (calculated: Debt 92.6m - CCE 11.6m)
Enterprise Value = 1.48b USD (1.40b + Debt 92.6m - CCE 11.6m)
Interest Coverage Ratio = 1.13 (Ebit TTM 139.5m / Interest Expense TTM 123.5m)
EV/FCF = 9.96x (Enterprise Value 1.48b / FCF TTM 149.0m)
FCF Yield = 10.04% (FCF TTM 149.0m / Enterprise Value 1.48b)
FCF Margin = 31.83% (FCF TTM 149.0m / Revenue TTM 468.0m)
Net Margin = 22.36% (Net Income TTM 104.6m / Revenue TTM 468.0m)
Gross Margin = 68.56% ((Revenue TTM 468.0m - Cost of Revenue TTM 147.2m) / Revenue TTM)
Gross Margin QoQ = 65.22% (prev 73.96%)
Tobins Q-Ratio = 0.16 (Enterprise Value 1.48b / Total Assets 9.17b)
Interest Expense / Debt = 133.4% (Interest Expense 123.5m / Debt 92.6m)
Taxrate = 24.98% (34.8m / 139.5m)
NOPAT = 104.6m (EBIT 139.5m * (1 - 24.98%))
Current Ratio = 7.33 (Total Current Assets 67.9m / Total Current Liabilities 9.26m)
Debt / Equity = 0.11 (Debt 92.6m / totalStockholderEquity, last quarter 807.6m)
Debt / EBITDA = 0.55 (Net Debt 81.0m / EBITDA 146.0m)
Debt / FCF = 0.54 (Net Debt 81.0m / FCF TTM 149.0m)
Total Stockholder Equity = 782.9m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.20% (Net Income 104.6m / Total Assets 9.17b)
RoE = 13.37% (Net Income TTM 104.6m / Total Stockholder Equity 782.9m)
RoCE = 16.36% (EBIT 139.5m / Capital Employed (Equity 782.9m + L.T.Debt 69.6m))
RoIC = 1.14% (NOPAT 104.6m / Invested Capital 9.15b)
WACC = 8.74% (E(1.40b)/V(1.49b) * Re(9.32%) + (debt cost/tax rate unavailable))
Discount Rate = 9.32% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -24.44 | Cagr: -0.68%
[DCF] Terminal Value 76.71% ; FCFF base≈138.9m ; Y1≈159.2m ; Y5≈234.3m
[DCF] Fair Price = 107.7 (EV 3.30b - Net Debt 81.0m = Equity 3.22b / Shares 29.9m; r=8.74% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 92.71 | EPS CAGR: 8.66% | SUE: -4.0 | # QB: -1
Revenue Correlation: 95.49 | Revenue CAGR: 10.57% | SUE: 0.89 | # QB: 16
EPS next Quarter (2026-09-30): EPS=1.05 | Chg30d=+0.00% | Revisions=+20% | Analysts=2
EPS current Year (2026-12-31): EPS=3.92 | Chg30d=+0.00% | Revisions=-20% | GrowthEPS=+7.7% | GrowthRev=+11.2%
EPS next Year (2027-12-31): EPS=4.52 | Chg30d=+0.00% | Revisions=-20% | GrowthEPS=+15.3% | GrowthRev=+6.5%
[Analyst] Revisions Ratio: +20%