(AMAL) Amalgamated Bank - Overview
Stock: Deposits, Loans, Trust Services, Investment Products, Online Banking
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 2.30% |
| Yield on Cost 5y | 5.10% |
| Yield CAGR 5y | 15.02% |
| Payout Consistency | 99.4% |
| Payout Ratio | 13.2% |
| Risk 5d forecast | |
|---|---|
| Volatility | 33.6% |
| Relative Tail Risk | -10.8% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.56 |
| Alpha | 7.53 |
| Character TTM | |
|---|---|
| Beta | 0.870 |
| Beta Downside | 0.895 |
| Drawdowns 3y | |
|---|---|
| Max DD | 41.70% |
| CAGR/Max DD | 0.58 |
Description: AMAL Amalgamated Bank January 25, 2026
Amalgamated Financial Corp. (NASDAQ: AMAL) is the holding company for Amalgamated Bank, a New York-based institution that delivers a full suite of commercial and retail banking services-including a range of deposit products, consumer and commercial loan portfolios, and online cash-management tools-alongside trust, custody, and investment-management offerings such as index and actively-managed funds across equity, fixed-income, real-estate, and alternative asset classes.
According to the bank’s Q4 2023 earnings release (filed 2 Feb 2024), total deposits grew 4.2 % YoY to $9.8 billion, while loan balances increased 3.5 % YoY to $5.1 billion. The net interest margin (NIM) held at 2.61 %-slightly above the regional-bank average of 2.48 %-and the Common Equity Tier 1 (CET1) capital ratio remained robust at 12.7 %, well above the regulatory minimum. Non-interest income rose 6.1 % YoY, driven largely by higher fee revenue from trust and investment services.
Key macro drivers for Amalgamated include the Federal Reserve’s policy stance: a still-elevated policy rate (5.25-5.50 %) supports NIM but also pressures loan demand in price-sensitive commercial sectors. Additionally, regional-bank credit quality is under scrutiny as the U.S. economy grapples with slower growth and elevated inflation, making the bank’s low-leverage balance sheet and diversified non-interest-income stream material risk mitigants.
For a deeper, data-rich assessment of AMAL’s valuation dynamics, you may find ValueRay’s analytical platform worth a quick look.
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income: 104.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.08 > 1.0 |
| NWC/Revenue: -1541 % < 20% (prev -1247 %; Δ -294.3% < -1%) |
| CFO/TA 0.01 > 3% & CFO 127.6m > Net Income 104.4m |
| Net Debt (94.1m) to EBITDA (145.0m): 0.65 < 3 |
| Current Ratio: 0.05 > 1.5 & < 3 |
| Outstanding Shares: last quarter (30.3m) vs 12m ago -2.15% < -2% |
| Gross Margin: 70.28% > 18% (prev 0.70%; Δ 6958 % > 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'' -4.80
| A: -0.79 (Total Current Assets 405.0m - Total Current Liabilities 7.42b) / 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: -4.80 = D |
What is the price of AMAL shares?
Over the past week, the price has changed by +6.66%, over one month by +23.88%, over three months by +48.85% and over the past year by +18.49%.
Is AMAL a buy, sell or hold?
- 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 | 40.5 | -1.8% |
| Analysts Target Price | 40.5 | -1.8% |
| ValueRay Target Price | 49.1 | 19.1% |
AMAL Fundamental Data Overview January 31, 2026
P/S = 3.8233
P/B = 1.4485
Revenue TTM = 455.0m USD
EBIT TTM = 140.2m USD
EBITDA TTM = 145.0m USD
Long Term Debt = 75.5m USD (from longTermDebt, two quarters ago)
Short Term Debt = unknown (none)
Debt = 94.1m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 94.1m USD (from netDebt column, last quarter)
Enterprise Value = 1.26b USD (1.17b + Debt 94.1m - (null CCE))
Interest Coverage Ratio = 1.13 (Ebit TTM 140.2m / Interest Expense TTM 124.4m)
EV/FCF = 10.13x (Enterprise Value 1.26b / FCF TTM 124.7m)
FCF Yield = 9.87% (FCF TTM 124.7m / Enterprise Value 1.26b)
FCF Margin = 27.40% (FCF TTM 124.7m / 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 = 0.14 (Enterprise Value 1.26b / 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 = 0.05 (Total Current Assets 405.0m / Total Current Liabilities 7.42b)
Debt / Equity = 0.12 (Debt 94.1m / totalStockholderEquity, last quarter 794.5m)
Debt / EBITDA = 0.65 (Net Debt 94.1m / EBITDA 145.0m)
Debt / FCF = 0.75 (Net Debt 94.1m / FCF TTM 124.7m)
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 = 16.68% (EBIT 140.2m / Capital Employed (Equity 765.0m + L.T.Debt 75.5m))
RoIC = 13.54% (NOPAT 112.2m / Invested Capital 828.7m)
WACC = 10.34% (E(1.17b)/V(1.26b) * Re(9.12%) + D(94.1m)/V(1.26b) * Rd(31.90%) * (1-Tc(0.20)))
Discount Rate = 9.12% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.56%
[DCF Debug] Terminal Value 71.34% ; FCFF base≈118.4m ; Y1≈127.6m ; Y5≈156.9m
Fair Price DCF = 59.19 (EV 1.86b - Net Debt 94.1m = Equity 1.77b / Shares 29.8m; r=10.34% [WACC]; 5y FCF grow 8.76% → 2.90% )
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: 17
EPS next Quarter (2026-03-31): EPS=0.98 | Chg30d=+0.065 | Revisions Net=+1 | Analysts=2
EPS current Year (2026-12-31): EPS=4.13 | Chg30d=+0.180 | Revisions Net=+1 | Growth EPS=+13.5% | Growth Revenue=+10.4%
EPS next Year (2027-12-31): EPS=4.54 | Chg30d=+0.235 | Revisions Net=+1 | Growth EPS=+9.8% | Growth Revenue=+6.6%