AMAL Stock Analysis: Amalgamated Bank | NASDAQ

Commercial Banking, Retail Banking, Asset Management, Trust Custody

Total Rating 55

Safety 59

Buy Signal 0.87

Banks - Regional
Industry Rotation: -12.3

Market Cap: 1.53B
Avg Turnover: 7.29M

Risk 3d forecast

Volatility31.4%

VaR 5^th Pctl5.13%

VaR vs Median-0.74%

Reward TTM

Sharpe Ratio1.92

Rel. Str. IBD87.7

Rel. Str. Peer Group94.7

Character TTM

Beta0.883

Beta Downside0.620

Hurst Exponent0.461

Drawdowns 3y

Max DD32.85%

CAGR/Max DD1.34

CAGR/Mean DD4.15

EPS (Earnings per Share)

EPS CAGR: 9.31%
EPS Trend: 94.4%

Last SUE: 1.30
Qual. Beats: 1

Revenue

Rev. CAGR: 9.35%
Rev. Trend: 96.8%

Last SUE: 1.00
Qual. Beats: 17

Warnings

Below Avwap Earnings

Tailwinds

Rs Leader

Idiosyncratic Leader

Seasonality 8.1 years of data

Jan +0.3% 9

Feb -0.8% 9

Mar -10.3% 7

Apr -3.4% 27

May +0.5% 9

Jun +4.5% 10

Jul +1.2% 6

Aug +0.1% 9

Sep -1.8% 39

Oct +4.6% 57

Nov +9.3% 45

Dec +2.3% 6

How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.

Description: AMAL Amalgamated Bank

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.

Headlines to Watch Out For

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

Piotroski VR-10 (Strict) 3.0

Net Income: 113.4m TTM > 0 and > 6% of Revenue
FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.65 > 1.0
NWC/Revenue: 12.09% < 20% (prev -1.56k%; Δ 1.57k% < -1%)
CFO/TA 0.02 > 3% & CFO 163.9m > Net Income 113.4m
Net Debt (83.8m) to EBITDA (157.8m): 0.53 < 3
Current Ratio: 7.34 > 1.5 & < 3
Outstanding Shares: last quarter (30.2m) vs 12m ago -1.85% < -2%
Gross Margin: 69.79% > 18% (prev 70.03%; Δ -0.23% > 0.5%)
Asset Turnover: 5.38% > 50% (prev 5.13%; Δ 0.26% > 0%)
Interest Coverage Ratio: 1.22 > 6 (EBIT TTM 150.6m / Interest Expense TTM 123.4m)

Altman Z'' 0.47

A: 0.01 (Total Current Assets 68.0m - Total Current Liabilities 9.26m) / Total Assets 9.41b
B: 0.07 (Retained Earnings 616.9m / Total Assets 9.41b)
C: 0.02 (EBIT TTM 150.6m / Avg Total Assets 9.02b)
D: 0.10 (Book Value of Equity 835.0m / Total Liabilities 8.58b)
Altman-Z'' = 0.47 = B

Beneish M -2.86

DSRI: 1.05 (Receivables 63.8m/55.5m, Revenue 485.4m/442.2m)
GMI: 1.00 (GM 70.03% / 69.79%)
AQI: 1.10 (AQ_t 0.99 / AQ_t-1 0.90)
SGI: 1.10 (Revenue 485.4m / 442.2m)
TATA: -0.01 (NI 113.4m - CFO 163.9m) / TA 9.41b)
Beneish M = -2.86 (Cap -4..+1) = A

What is the price of AMAL shares?

As of August 22, 2026, the stock is trading at USD 48.76 with a total of 250,313 shares traded. Over the past week, the price has changed by -4.50%, over one month by +2.88%, over three months by +18.21% and over the past year by +74.82%.

Current recommended Stop Loss: 47.40 (which is 2.8% or 1.3 ATR below the current price).

Is AMAL a buy, sell or hold?

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

What are the forecasts/targets for the AMAL price?

Analysts Target Price	53.5	9.7%

Amalgamated Bank (AMAL) - Fundamental Data Overview as of 15 August 2026

Market Cap USD = 1.53b (1.53b USD * 1.0 USD.USD)
P/E Trailing = 13.5491
P/S = 4.5747
P/B = 1.7679
Revenue TTM = 485.4m USD
EBIT TTM = 150.6m USD
EBITDA TTM = 157.8m USD
Long Term Debt = 69.7m USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 87.9m USD (from shortLongTermDebtTotal, last quarter) + Leases 9.09m
Net Debt = 83.8m USD (calculated: Debt 87.9m - CCE 4.17m)
Enterprise Value = 1.61b USD (1.53b + Debt 87.9m - CCE 4.17m)
Interest Coverage Ratio = 1.22 (Ebit TTM 150.6m / Interest Expense TTM 123.4m)
EV/FCF = 8.32x (Enterprise Value 1.61b / FCF TTM 193.7m)
FCF Yield = 12.02% (FCF TTM 193.7m / Enterprise Value 1.61b)
FCF Margin = 39.90% (FCF TTM 193.7m / Revenue TTM 485.4m)
Net Margin = 23.37% (Net Income TTM 113.4m / Revenue TTM 485.4m)
Gross Margin = 69.79% ((Revenue TTM 485.4m - Cost of Revenue TTM 146.6m) / Revenue TTM)
Gross Margin QoQ = 72.55% (prev 65.22%)
Tobins Q-Ratio = 0.17 (Enterprise Value 1.61b / Total Assets 9.41b)
Interest Expense / Debt = 140.3% (Interest Expense 123.4m / Debt 87.9m)
Taxrate = 24.71% (37.2m / 150.6m)
NOPAT = 113.4m (EBIT 150.6m * (1 - 24.71%))
Current Ratio = 7.34 (Total Current Assets 68.0m / Total Current Liabilities 9.26m)
Debt / Equity = 0.11 (Debt 87.9m / totalStockholderEquity, last quarter 835.0m)
Debt / EBITDA = 0.53 (Net Debt 83.8m / EBITDA 157.8m)
Debt / FCF = 0.43 (Net Debt 83.8m / FCF TTM 193.7m)
Total Stockholder Equity = 803.2m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.26% (Net Income 113.4m / Total Assets 9.41b)
RoE = 14.12% (Net Income TTM 113.4m / Total Stockholder Equity 803.2m)
RoCE = 17.26% (EBIT 150.6m / Capital Employed (Equity 803.2m + L.T.Debt 69.7m))
RoIC = 1.21% (NOPAT 113.4m / Invested Capital 9.40b)
WACC = 8.60% (E(1.53b)/V(1.62b) * Re(9.09%) + (debt cost/tax rate unavailable))
Discount Rate = 9.09% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -83.28 | Cagr: -0.80%
[DCF] Terminal Value 77.18% ; FCFF base≈164.8m ; Y1≈188.9m ; Y5≈278.1m
[DCF] Fair Price = 131.4 (EV 4.01b - Net Debt 83.8m = Equity 3.93b / Shares 29.9m; r=8.60% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 94.42 | EPS CAGR: 9.31% | SUE: 1.30 | # QB: 1
Revenue Correlation: 96.75 | Revenue CAGR: 9.35% | SUE: 1.00 | # QB: 17
EPS current Quarter (2026-09-30): EPS=1.08 | Chg30d=+2.86% | Revisions=+25% | Analysts=2
EPS current Year (2026-12-31): EPS=4.04 | Chg30d=+2.93% | Revisions=-25% | GrowthEPS=+10.8% | GrowthRev=+13.5%
EPS next Year (2027-12-31): EPS=4.66 | Chg30d=+2.99% | Revisions=-25% | GrowthEPS=+15.4% | GrowthRev=+6.9%
[Analyst] Revisions Ratio: -17% (up=1, down=2)