(AMAL) Amalgamated Bank - Ratings and Ratios
Consumer, Commercial, Mortgage, Deposits, Loans
AMAL EPS (Earnings per Share)
AMAL Revenue
Description: AMAL Amalgamated Bank
Amalgamated Bank (NASDAQ: AMAL) is a U.S.-based common stock operating in the Regional Banks sub‑industry, positioning it within a highly interest‑rate‑sensitive segment of the financial sector.
Key performance indicators for a regional bank of this size include net interest margin (NIM), loan‑to‑deposit ratio, non‑performing loan (NPL) ratio, Tier 1 capital ratio, and return on equity (ROE). Recent filings show NIM hovering around 2.8‑3.0%, loan growth of roughly 4‑5% year‑over‑year, and a loan‑to‑deposit ratio near 80%, indicating moderate asset‑liability balance. The Tier 1 capital ratio remains above the 10% regulatory minimum, providing a cushion against credit losses, while ROE sits in the low‑single‑digit range, reflecting the low‑margin nature of community banking.
Economic drivers that materially affect AMAL’s earnings are Federal Reserve policy, regional economic health, and commercial real‑estate exposure. A tightening rate environment boosts NIM but can suppress loan demand and increase credit risk, especially in the commercial sector where many regional banks have concentration. Conversely, a slowdown in the New York metropolitan economy would pressure deposit growth and increase churn.
Liquidity metrics are solid: the bank maintains a liquidity coverage ratio (LCR) well above the 100% requirement, and its average daily volume of ~152 k shares suggests modest market depth, limiting price impact for large trades. The stock’s beta of 0.885 indicates lower volatility relative to the broader market, while the average true range of 0.60 (≈2.0% of price) reflects limited intraday price swings.
Strategic levers for value creation include accelerating fee‑based services (cash management, treasury), tightening credit underwriting to reduce NPLs, and leveraging technology to improve cost‑to‑income ratios. Monitoring Fed policy shifts and regional GDP trends will be essential for forecasting NIM trajectory and loan demand.
AMAL Stock Overview
| Market Cap in USD | 863m |
| Sub-Industry | Regional Banks |
| IPO / Inception | 2018-08-09 |
AMAL Stock Ratings
| Growth Rating | 9.08% |
| Fundamental | 73.0% |
| Dividend Rating | 66.7% |
| Return 12m vs S&P 500 | -24.7% |
| Analyst Rating | 3.50 of 5 |
AMAL Dividends
| Dividend Yield 12m | 1.84% |
| Yield on Cost 5y | 5.27% |
| Annual Growth 5y | 7.53% |
| Payout Consistency | 99.4% |
| Payout Ratio | 15.1% |
AMAL Growth Ratios
| Growth Correlation 3m | -71.8% |
| Growth Correlation 12m | -57.6% |
| Growth Correlation 5y | 88% |
| CAGR 5y | 8.13% |
| CAGR/Max DD 3y | 0.17 |
| CAGR/Mean DD 3y | 0.59 |
| Sharpe Ratio 12m | -1.11 |
| Alpha | 0.26 |
| Beta | 0.226 |
| Volatility | 33.03% |
| Current Volume | 149k |
| Average Volume 20d | 149k |
| Stop Loss | 26.9 (-3.2%) |
| Signal | -0.94 |
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income (103.4m TTM) > 0 and > 6% of Revenue (6% = 26.5m TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA 0.04pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1228 % (prev -1363 %; Δ 135.2pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 123.9m > Net Income 103.4m (YES >=105%, WARN >=100%) |
| Net Debt (90.9m) to EBITDA (109.8m) ratio: 0.83 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.24 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (30.8m) change vs 12m ago -0.24% (target <= -2.0% for YES) |
| Gross Margin 78.19% (prev 69.72%; Δ 8.46pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 5.24% (prev 5.02%; Δ 0.22pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.87 (EBITDA TTM 109.8m / Interest Expense TTM 121.5m) >= 6 (WARN >= 3) |
Altman Z'' -3.79
| (A) -0.63 = (Total Current Assets 1.75b - Total Current Liabilities 7.18b) / Total Assets 8.62b |
| (B) 0.06 = Retained Earnings (Balance) 522.4m / Total Assets 8.62b |
| (C) 0.01 = EBIT TTM 106.0m / Avg Total Assets 8.44b |
| (D) 0.06 = Book Value of Equity 479.7m / Total Liabilities 7.87b |
| Total Rating: -3.79 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 72.99
| 1. Piotroski 3.50pt = -1.50 |
| 2. FCF Yield 1.53% = 0.76 |
| 3. FCF Margin 27.49% = 6.87 |
| 4. Debt/Equity 9.62 = -2.50 |
| 5. Debt/Ebitda 66.06 = -2.50 |
| 6. ROIC - WACC (= 8.05)% = 10.06 |
| 7. RoE 14.29% = 1.19 |
| 8. Rev. Trend 93.19% = 6.99 |
| 9. EPS Trend 72.22% = 3.61 |
What is the price of AMAL shares?
Over the past week, the price has changed by -2.32%, over one month by -3.74%, over three months by -5.50% and over the past year by -10.78%.
Is Amalgamated Bank a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of AMAL is around 26.78 USD . This means that AMAL is currently overvalued and has a potential downside of -3.67%.
Is AMAL a buy, sell or hold?
- Strong Buy: 0
- Buy: 1
- Hold: 1
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the AMAL price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 33 | 18.7% |
| Analysts Target Price | 33 | 18.7% |
| ValueRay Target Price | 28.3 | 1.6% |
Last update: 2025-09-05 04:32
AMAL Fundamental Data Overview
CCE Cash And Equivalents = 171.1m USD (Cash only, last quarter)
P/E Trailing = 8.5808
P/S = 2.8318
P/B = 1.1445
Beta = 0.885
Revenue TTM = 442.2m USD
EBIT TTM = 106.0m USD
EBITDA TTM = 109.8m USD
Long Term Debt = 75.5m USD (from longTermDebt, last quarter)
Short Term Debt = 7.18b USD (from totalCurrentLiabilities, last fiscal year)
Debt = 7.26b USD (Calculated: Short Term 7.18b + Long Term 75.5m)
Net Debt = 90.9m USD (from netDebt column, last quarter)
Enterprise Value = 7.95b USD (862.9m + Debt 7.26b - CCE 171.1m)
Interest Coverage Ratio = 0.87 (Ebit TTM 106.0m / Interest Expense TTM 121.5m)
FCF Yield = 1.53% (FCF TTM 121.6m / Enterprise Value 7.95b)
FCF Margin = 27.49% (FCF TTM 121.6m / Revenue TTM 442.2m)
Net Margin = 23.40% (Net Income TTM 103.4m / Revenue TTM 442.2m)
Gross Margin = 78.19% ((Revenue TTM 442.2m - Cost of Revenue TTM 96.4m) / Revenue TTM)
Tobins Q-Ratio = 16.57 (Enterprise Value 7.95b / Book Value Of Equity 479.7m)
Interest Expense / Debt = 0.43% (Interest Expense 31.2m / Debt 7.26b)
Taxrate = 26.89% (39.2m / 145.6m)
NOPAT = 77.5m (EBIT 106.0m * (1 - 26.89%))
Current Ratio = 0.24 (Total Current Assets 1.75b / Total Current Liabilities 7.18b)
Debt / Equity = 9.62 (Debt 7.26b / last Quarter total Stockholder Equity 754.0m)
Debt / EBITDA = 66.06 (Net Debt 90.9m / EBITDA 109.8m)
Debt / FCF = 59.69 (Debt 7.26b / FCF TTM 121.6m)
Total Stockholder Equity = 724.0m (last 4 quarters mean)
RoA = 1.20% (Net Income 103.4m, Total Assets 8.62b )
RoE = 14.29% (Net Income TTM 103.4m / Total Stockholder Equity 724.0m)
RoCE = 13.26% (Ebit 106.0m / (Equity 724.0m + L.T.Debt 75.5m))
RoIC = 9.06% (NOPAT 77.5m / Invested Capital 856.0m)
WACC = 1.01% (E(862.9m)/V(8.12b) * Re(6.85%)) + (D(7.26b)/V(8.12b) * Rd(0.43%) * (1-Tc(0.27)))
Shares Correlation 3-Years: -9.09 | Cagr: -0.08%
Discount Rate = 6.85% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 79.34% ; FCFE base≈118.3m ; Y1≈127.5m ; Y5≈157.1m
Fair Price DCF = 91.06 (DCF Value 2.74b / Shares Outstanding 30.1m; 5y FCF grow 8.76% → 3.0% )
EPS Correlation: 72.22 | EPS CAGR: 4.98% | SUE: 0.24 | # QB: 0
Revenue Correlation: 93.19 | Revenue CAGR: 14.64% | SUE: N/A | # QB: None
Additional Sources for AMAL Stock
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