(AMAL) Amalgamated Bank - Overview
Sector: Financial ServicesIndustry: Banks - Regional | Exchange NASDAQ (USA) | Currency USD | Market Cap: 1.154m | Total Return 33.7% in 12m
Stock: Banking, Loans, Investments, Trust, Custody
Total Rating 63
Risk 60
Buy Signal -0.07
| Risk 5d forecast | |
|---|---|
| Volatility | 32.7% |
| Relative Tail Risk | -9.60% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.94 |
| Alpha | 15.75 |
| Character TTM | |
|---|---|
| Beta | 1.131 |
| Beta Downside | 1.675 |
| Drawdowns 3y | |
|---|---|
| Max DD | 32.85% |
| CAGR/Max DD | 0.96 |
EPS (Earnings per Share)
Revenue
Description: AMAL Amalgamated Bank March 04, 2026
Amalgamated Financial Corp. (AMAL) is a bank holding company offering commercial and retail banking, investment management, and trust/custody services across the United States. Regional banks typically focus on local communities and small to medium-sized businesses, differentiating them from larger national or international institutions.
The company provides diverse deposit products, including checking, savings, and certificates of deposit. Its lending activities encompass residential and commercial real estate, commercial and industrial loans, and consumer solar financing. A banks business model relies on the spread between interest earned on loans and interest paid on deposits.
AMAL also offers digital banking, bill payment, and ATM services. Additionally, it provides investment management, brokerage, and insurance products, alongside trust and custody services for asset safekeeping and administration. Investors may find further detailed analysis of AMALs financial performance on ValueRay.
Headlines to watch out for
- Net interest margin compression impacts profitability
- Loan growth in commercial real estate drives revenue
- Regulatory changes increase compliance costs
- Deposit outflows reduce funding stability
- Economic slowdown decreases loan demand
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 104.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.01 > 1.0 |
| NWC/Revenue: 23.96% < 20% (prev -1.25k%; Δ 1.27k% < -1%) |
| CFO/TA 0.02 > 3% & CFO 135.8m > Net Income 104.4m |
| Net Debt (89.6m) to EBITDA (145.0m): 0.62 < 3 |
| Current Ratio: 12.77 > 1.5 & < 3 |
| Outstanding Shares: last quarter (30.3m) vs 12m ago -2.15% < -2% |
| Gross Margin: 70.28% > 18% (prev 0.70%; Δ 6.96k% > 0.5%) |
| Asset Turnover: 5.31% > 50% (prev 5.27%; Δ 0.04% > 0%) |
| Interest Coverage Ratio: 1.13 > 6 (EBITDA TTM 145.0m / Interest Expense TTM 124.4m) |
Altman Z'' 0.47
| A: 0.01 (Total Current Assets 118.3m - Total Current Liabilities 9.26m) / Total Assets 8.87b |
| B: 0.06 (Retained Earnings 567.3m / Total Assets 8.87b) |
| C: 0.02 (EBIT TTM 140.2m / Avg Total Assets 8.56b) |
| D: 0.07 (Book Value of Equity 535.5m / Total Liabilities 8.08b) |
| Altman-Z'' Score: 0.47 = B |
Beneish M -2.83
| DSRI: 1.02 (Receivables 65.1m/61.2m, Revenue 455.0m/435.3m) |
| GMI: 1.00 (GM 70.28% / 70.33%) |
| AQI: 1.25 (AQ_t 0.99 / AQ_t-1 0.79) |
| SGI: 1.05 (Revenue 455.0m / 435.3m) |
| TATA: -0.00 (NI 104.4m - CFO 135.8m) / TA 8.87b) |
| Beneish M-Score: -2.83 (Cap -4..+1) = A |
What is the price of AMAL shares?
As of March 26, 2026, the stock is trading at USD 38.57 with a total of 99,258 shares traded.
Over the past week, the price has changed by +4.38%, over one month by -3.45%, over three months by +18.42% and over the past year by +33.66%.
Over the past week, the price has changed by +4.38%, over one month by -3.45%, over three months by +18.42% and over the past year by +33.66%.
Is AMAL a buy, sell or hold?
Amalgamated Bank has received a consensus analysts rating of 3.50.
Therefor, it is recommend to hold AMAL.
- StrongBuy: 0
- Buy: 1
- Hold: 1
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the AMAL price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 42 | 8.9% |
| Analysts Target Price | 42 | 8.9% |
AMAL Fundamental Data Overview March 26, 2026
P/E Trailing = 11.2093
P/S = 3.6951
P/B = 1.4069
Revenue TTM = 455.0m USD
EBIT TTM = 140.2m USD
EBITDA TTM = 145.0m USD
Long Term Debt = 69.6m USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 94.1m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 89.6m USD (from netDebt column, last quarter)
Enterprise Value = 1.20b USD (1.15b + Debt 94.1m - CCE 53.2m)
Interest Coverage Ratio = 1.13 (Ebit TTM 140.2m / Interest Expense TTM 124.4m)
EV/FCF = 9.14x (Enterprise Value 1.20b / FCF TTM 130.8m)
FCF Yield = 10.94% (FCF TTM 130.8m / Enterprise Value 1.20b)
FCF Margin = 28.74% (FCF TTM 130.8m / Revenue TTM 455.0m)
Net Margin = 22.95% (Net Income TTM 104.4m / Revenue TTM 455.0m)
Gross Margin = 70.28% ((Revenue TTM 455.0m - Cost of Revenue TTM 135.2m) / Revenue TTM)
Gross Margin QoQ = 73.96% (prev 67.47%)
Tobins Q-Ratio = 0.13 (Enterprise Value 1.20b / Total Assets 8.87b)
Interest Expense / Debt = 31.90% (Interest Expense 30.0m / Debt 94.1m)
Taxrate = 19.92% (6.63m / 33.3m)
NOPAT = 112.2m (EBIT 140.2m * (1 - 19.92%))
Current Ratio = 12.77 (Total Current Assets 118.3m / Total Current Liabilities 9.26m)
Debt / Equity = 0.12 (Debt 94.1m / totalStockholderEquity, last quarter 794.5m)
Debt / EBITDA = 0.62 (Net Debt 89.6m / EBITDA 145.0m)
Debt / FCF = 0.68 (Net Debt 89.6m / FCF TTM 130.8m)
Total Stockholder Equity = 765.0m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.22% (Net Income 104.4m / Total Assets 8.87b)
RoE = 13.65% (Net Income TTM 104.4m / Total Stockholder Equity 765.0m)
RoCE = 16.79% (EBIT 140.2m / Capital Employed (Equity 765.0m + L.T.Debt 69.6m))
RoIC = 13.40% (NOPAT 112.2m / Invested Capital 837.6m)
WACC = 11.13% (E(1.15b)/V(1.25b) * Re(9.96%) + D(94.1m)/V(1.25b) * Rd(31.90%) * (1-Tc(0.20)))
Discount Rate = 9.96% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.56%
[DCF] Terminal Value 68.99% ; FCFF base≈127.4m ; Y1≈135.5m ; Y5≈162.8m
[DCF] Fair Price = 56.09 (EV 1.76b - Net Debt 89.6m = Equity 1.67b / Shares 29.8m; r=11.13% [WACC]; 5y FCF grow 7.10% → 3.0% )
EPS Correlation: 78.12 | EPS CAGR: 19.95% | SUE: 0.0 | # QB: 0
Revenue Correlation: 89.64 | Revenue CAGR: 20.39% | SUE: 3.95 | # QB: 16
EPS next Quarter (2026-06-30): EPS=0.98 | Chg7d=-0.020 | Chg30d=-0.020 | Revisions Net=-1 | Analysts=2
EPS current Year (2026-12-31): EPS=4.08 | Chg7d=-0.050 | Chg30d=-0.050 | Revisions Net=-1 | Growth EPS=+12.1% | Growth Revenue=+10.1%
EPS next Year (2027-12-31): EPS=4.51 | Chg7d=-0.025 | Chg30d=-0.025 | Revisions Net=-1 | Growth EPS=+10.5% | Growth Revenue=+6.6%
[Analyst] Revisions Ratio: -1.00 (0 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 1.0% (Discount Rate 10.0% - Earnings Yield 8.9%)
[Growth] Growth Spread = +9.9% (Analyst 10.9% - Implied 1.0%)
P/S = 3.6951
P/B = 1.4069
Revenue TTM = 455.0m USD
EBIT TTM = 140.2m USD
EBITDA TTM = 145.0m USD
Long Term Debt = 69.6m USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 94.1m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 89.6m USD (from netDebt column, last quarter)
Enterprise Value = 1.20b USD (1.15b + Debt 94.1m - CCE 53.2m)
Interest Coverage Ratio = 1.13 (Ebit TTM 140.2m / Interest Expense TTM 124.4m)
EV/FCF = 9.14x (Enterprise Value 1.20b / FCF TTM 130.8m)
FCF Yield = 10.94% (FCF TTM 130.8m / Enterprise Value 1.20b)
FCF Margin = 28.74% (FCF TTM 130.8m / Revenue TTM 455.0m)
Net Margin = 22.95% (Net Income TTM 104.4m / Revenue TTM 455.0m)
Gross Margin = 70.28% ((Revenue TTM 455.0m - Cost of Revenue TTM 135.2m) / Revenue TTM)
Gross Margin QoQ = 73.96% (prev 67.47%)
Tobins Q-Ratio = 0.13 (Enterprise Value 1.20b / Total Assets 8.87b)
Interest Expense / Debt = 31.90% (Interest Expense 30.0m / Debt 94.1m)
Taxrate = 19.92% (6.63m / 33.3m)
NOPAT = 112.2m (EBIT 140.2m * (1 - 19.92%))
Current Ratio = 12.77 (Total Current Assets 118.3m / Total Current Liabilities 9.26m)
Debt / Equity = 0.12 (Debt 94.1m / totalStockholderEquity, last quarter 794.5m)
Debt / EBITDA = 0.62 (Net Debt 89.6m / EBITDA 145.0m)
Debt / FCF = 0.68 (Net Debt 89.6m / FCF TTM 130.8m)
Total Stockholder Equity = 765.0m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.22% (Net Income 104.4m / Total Assets 8.87b)
RoE = 13.65% (Net Income TTM 104.4m / Total Stockholder Equity 765.0m)
RoCE = 16.79% (EBIT 140.2m / Capital Employed (Equity 765.0m + L.T.Debt 69.6m))
RoIC = 13.40% (NOPAT 112.2m / Invested Capital 837.6m)
WACC = 11.13% (E(1.15b)/V(1.25b) * Re(9.96%) + D(94.1m)/V(1.25b) * Rd(31.90%) * (1-Tc(0.20)))
Discount Rate = 9.96% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.56%
[DCF] Terminal Value 68.99% ; FCFF base≈127.4m ; Y1≈135.5m ; Y5≈162.8m
[DCF] Fair Price = 56.09 (EV 1.76b - Net Debt 89.6m = Equity 1.67b / Shares 29.8m; r=11.13% [WACC]; 5y FCF grow 7.10% → 3.0% )
EPS Correlation: 78.12 | EPS CAGR: 19.95% | SUE: 0.0 | # QB: 0
Revenue Correlation: 89.64 | Revenue CAGR: 20.39% | SUE: 3.95 | # QB: 16
EPS next Quarter (2026-06-30): EPS=0.98 | Chg7d=-0.020 | Chg30d=-0.020 | Revisions Net=-1 | Analysts=2
EPS current Year (2026-12-31): EPS=4.08 | Chg7d=-0.050 | Chg30d=-0.050 | Revisions Net=-1 | Growth EPS=+12.1% | Growth Revenue=+10.1%
EPS next Year (2027-12-31): EPS=4.51 | Chg7d=-0.025 | Chg30d=-0.025 | Revisions Net=-1 | Growth EPS=+10.5% | Growth Revenue=+6.6%
[Analyst] Revisions Ratio: -1.00 (0 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 1.0% (Discount Rate 10.0% - Earnings Yield 8.9%)
[Growth] Growth Spread = +9.9% (Analyst 10.9% - Implied 1.0%)