(AMAL) Amalgamated Bank - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 1.257m USD | Total Return: 30.7% in 12m
Industry Rotation: -9.8
Avg Turnover: 5.83M
EPS Trend: 73.4%
Qual. Beats: -1
Rev. Trend: 91.5%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Amalgamated Financial Corp. (NASDAQ: AMAL) serves as the holding company for Amalgamated Bank, a New York-based institution founded in 1923. The company provides a comprehensive suite of commercial and retail banking services, including deposit products, multifamily mortgages, and commercial real estate lending. Beyond traditional banking, the firm operates an investment management division that oversees index and actively-managed funds across equity, fixed-income, and alternative asset classes.
As a regional bank, Amalgamated utilizes a business model heavily focused on interest income derived from its loan portfolio, which includes specialized segments like consumer solar financing. Regional banks often maintain a competitive advantage by focusing on niche lending markets and local deposit bases that are less sensitive to global capital market volatility than those of money-center banks. To better assess the companys long-term growth potential, investors may find it useful to review the detailed fundamental metrics available on ValueRay.
The companys service architecture also includes trust and custody operations, providing asset safekeeping and income collection for institutional and individual clients. This fee-based revenue stream complements its core lending activities, helping to diversify the banks income profile against fluctuations in interest rates.
- Net interest margin sensitivity to Federal Reserve monetary policy shifts
- Growth in mission-aligned deposits from labor unions and non-profits
- Expansion of residential solar and sustainable infrastructure lending portfolios
- Regulatory compliance costs associated with specialized social and environmental mandates
- Asset management fee growth within institutional trust and custody services
| 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 (69.5m) to EBITDA (143.9m): 0.48 < 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 0.71%; Δ 6.78k% > 0.5%) |
| Asset Turnover: 5.36% > 50% (prev 5.31%; Δ 0.05% > 0%) |
| Interest Coverage Ratio: 0.85 > 6 (EBITDA TTM 143.9m / 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: 0.01 (EBIT TTM 105.4m / Avg Total Assets 8.73b) |
| D: 0.07 (Book Value of Equity 551.1m / Total Liabilities 8.36b) |
| Altman-Z'' Score: 0.40 = B |
| DSRI: 0.96 (Receivables 56.2m/55.1m, Revenue 468.0m/439.9m) |
| GMI: 1.03 (GM 68.56% / 70.59%) |
| 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-Score: -2.95 (Cap -4..+1) = A |
Over the past week, the price has changed by -5.68%, over one month by -5.15%, over three months by -2.84% and over the past year by +30.72%.
- StrongBuy: 0
- Buy: 1
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 46 | 15.9% |
P/S = 3.9767
P/B = 1.5544
Revenue TTM = 468.0m USD
EBIT TTM = 105.4m USD
EBITDA TTM = 143.9m USD
Long Term Debt = 69.6m USD (from longTermDebt, last fiscal year)
Short Term Debt = unknown (none)
Debt = 81.1m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 69.5m USD (from netDebt column, last quarter)
Enterprise Value = 1.33b USD (1.26b + Debt 81.1m - CCE 11.6m)
Interest Coverage Ratio = 0.85 (Ebit TTM 105.4m / Interest Expense TTM 123.5m)
EV/FCF = 8.90x (Enterprise Value 1.33b / FCF TTM 149.0m)
FCF Yield = 11.24% (FCF TTM 149.0m / Enterprise Value 1.33b)
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 = 0.14 (Enterprise Value 1.33b / Total Assets 9.17b)
Interest Expense / Debt = 35.96% (Interest Expense 29.2m / Debt 81.1m)
Taxrate = 25.96% (8.84m / 34.1m)
NOPAT = 78.1m (EBIT 105.4m * (1 - 25.96%))
Current Ratio = 7.33 (Total Current Assets 67.9m / Total Current Liabilities 9.26m)
Debt / Equity = 0.10 (Debt 81.1m / totalStockholderEquity, last quarter 807.6m)
Debt / EBITDA = 0.48 (Net Debt 69.5m / EBITDA 143.9m)
Debt / FCF = 0.47 (Net Debt 69.5m / 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 = 12.37% (EBIT 105.4m / Capital Employed (Equity 782.9m + L.T.Debt 69.6m))
RoIC = 9.20% (NOPAT 78.1m / Invested Capital 848.2m)
WACC = 10.91% (E(1.26b)/V(1.34b) * Re(9.90%) + D(81.1m)/V(1.34b) * Rd(35.96%) * (1-Tc(0.26)))
Discount Rate = 9.90% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.28%
[DCF] Terminal Value 69.66% ; FCFF base≈138.9m ; Y1≈147.8m ; Y5≈177.5m
[DCF] Fair Price = 63.82 (EV 1.98b - Net Debt 69.5m = Equity 1.91b / Shares 29.9m; r=10.91% [WACC]; 5y FCF grow 7.10% → 3.0% )
EPS Correlation: 73.45 | EPS CAGR: 5.69% | SUE: -3.81 | # QB: -1
Revenue Correlation: 91.52 | Revenue CAGR: 17.69% | SUE: 0.89 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.99 | Chg30d=+1.02% | Revisions=+20% | Analysts=2
EPS next Quarter (2026-09-30): EPS=1.05 | Chg30d=+0.96% | Revisions=+20% | Analysts=2
EPS current Year (2026-12-31): EPS=3.92 | Chg30d=-3.92% | Revisions=-20% | GrowthEPS=+7.7% | GrowthRev=+11.2%
EPS next Year (2027-12-31): EPS=4.52 | Chg30d=+0.22% | Revisions=-20% | GrowthEPS=+15.3% | GrowthRev=+6.5%
[Analyst] Revisions Ratio: +20%