Overview Dividends

(AMAL) Amalgamated Bank - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US0226711010

Deposits, Loans, Trust Services, Investment Funds, Online Banking

Regional Banks
Market Cap in USD: 963m
IPO / Inception: 2018-08-09
Return 12m vs S&P 500: -15.2%

EPS (Earnings per Share)

EPS (Earnings per Share) of AMAL over the last years for every Quarter: "2020-12": 0.44, "2021-03": 0.41, "2021-06": 0.32, "2021-09": 0.46, "2021-12": 0.5, "2022-03": 0.46, "2022-06": 0.65, "2022-09": 0.77, "2022-12": 0.83, "2023-03": 0.74, "2023-06": 0.72, "2023-09": 0.76, "2023-12": 0.72, "2024-03": 0.83, "2024-06": 0.85, "2024-09": 0.91, "2024-12": 0.9, "2025-03": 0.88, "2025-06": 0.88, "2025-09": 0.91,
EPS CAGR: 17.31%
EPS Trend: 82.0%
Last SUE: 0.86
Qual. Beats: 1

Revenue

Revenue of AMAL over the last years for every Quarter: 2020-12: 55.676, 2021-03: 51.099, 2021-06: 50.304, 2021-09: 51.985, 2021-12: 55.378, 2022-03: 57.451, 2022-06: 66.553, 2022-09: 76.969, 2022-12: 84.186, 2023-03: 89.991, 2023-06: 93.31, 2023-09: 97.466, 2023-12: 101.719, 2024-03: 105.091, 2024-06: 109.77, 2024-09: 112.578, 2024-12: 107.903, 2025-03: 109.604, 2025-06: 112.073, 2025-09: 118.149,
Rev. CAGR: 22.39%
Rev. Trend: 91.6%
Last SUE: 1.10
Qual. Beats: 16

Dividends

Dividend Yield 1.71%
Yield on Cost 5y 4.51%
Yield CAGR 5y 9.50%
Payout Consistency 99.3%
Payout Ratio 15.7%
Risk via 5d forecast
Volatility 32.5%
Value at Risk 5%th 49.0%
Relative Tail Risk -8.57%
Reward TTM
Sharpe Ratio 0.05
Alpha -16.35
CAGR/Max DD 0.34
Character TTM
Hurst Exponent 0.594
Beta 0.853
Beta Downside 0.916
Drawdowns 3y
Max DD 41.70%
Mean DD 16.25%
Median DD 15.62%

Description: AMAL Amalgamated Bank November 30, 2025

Amalgamated Financial Corp. (NASDAQ: AMAL) is the holding company for Amalgamated Bank, offering a full suite of commercial and retail banking services-including interest-bearing and non-interest-bearing deposits, various loan products (residential, commercial, multifamily, and consumer solar), and digital cash-management tools-as well as trust, custody, and investment-management solutions such as index and actively-managed funds across equity, fixed-income, real estate, and alternatives.

Key recent metrics suggest the bank is navigating a challenging regional-bank environment: Q3 2024 net interest margin (NIM) hovered around 2.6%-slightly above the industry median of 2.4%-while loan growth decelerated to 3.1% YoY, reflecting tighter credit standards amid rising Fed rates. Deposits have risen modestly (≈2% YoY), driven in part by higher-yield money-market and CD offerings, and the bank’s loan-to-deposit ratio remains at a conservative 73%, providing a buffer against potential liquidity stress. The broader sector is sensitive to interest-rate cycles, credit-quality trends, and regulatory capital requirements, all of which shape Amalgamated’s earnings outlook.

For a deeper quantitative view, you may want to explore Amalgamated’s metrics on ValueRay.

Piotroski VR‑10 (Strict, 0-10) 2.5

Net Income (102.3m TTM) > 0 and > 6% of Revenue (6% = 26.9m TTM)
FCFTA 0.01 (>2.0%) and ΔFCFTA 0.14pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)
NWC/Revenue -1573 % (prev -1593 %; Δ 19.57pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)
CFO/TA 0.01 (>3.0%) and CFO 127.6m > Net Income 102.3m (YES >=105%, WARN >=100%)
Net Debt (-25.3m) to EBITDA (143.5m) ratio: -0.18 <= 3.0 (WARN <= 3.5)
Current Ratio 0.09 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)
Outstanding Shares last Quarter (30.4m) change vs 12m ago -1.62% (target <= -2.0% for YES)
Gross Margin 69.09% (prev 70.08%; Δ -0.99pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)
Asset Turnover 5.24% (prev 5.10%; Δ 0.14pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)
Interest Coverage Ratio 1.13 (EBITDA TTM 143.5m / Interest Expense TTM 123.9m) >= 6 (WARN >= 3)

Altman Z'' -4.94

(A) -0.81 = (Total Current Assets 727.3m - Total Current Liabilities 7.77b) / Total Assets 8.68b
(B) 0.06 = Retained Earnings (Balance) 544.9m / Total Assets 8.68b
(C) 0.02 = EBIT TTM 139.9m / Avg Total Assets 8.55b
(D) 0.06 = Book Value of Equity 510.0m / Total Liabilities 7.91b
Total Rating: -4.94 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 77.79

1. Piotroski 2.50pt
2. FCF Yield 32.53%
3. FCF Margin 27.85%
4. Debt/Equity 0.12
5. Debt/Ebitda -0.18
6. ROIC - WACC (= 0.98)%
7. RoE 13.76%
8. Rev. Trend 91.57%
9. EPS Trend 82.00%

What is the price of AMAL shares?

As of December 23, 2025, the stock is trading at USD 32.83 with a total of 174,565 shares traded.
Over the past week, the price has changed by +1.77%, over one month by +12.28%, over three months by +17.85% and over the past year by -1.18%.

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.
  • 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 32 -2.5%
Analysts Target Price 32 -2.5%
ValueRay Target Price 36.6 11.5%

AMAL Fundamental Data Overview December 16, 2025

Market Cap USD = 963.2m (963.2m USD * 1.0 USD.USD)
P/E Trailing = 9.6355
P/S = 3.1381
P/B = 1.2348
Beta = 0.834
Revenue TTM = 447.7m USD
EBIT TTM = 139.9m USD
EBITDA TTM = 143.5m USD
Long Term Debt = 75.5m USD (from longTermDebt, last quarter)
Short Term Debt = 10.8m USD (from shortTermDebt, last fiscal year)
Debt = 90.3m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -25.3m USD (from netDebt column, last quarter)
Enterprise Value = 383.2m USD (963.2m + Debt 90.3m - CCE 670.2m)
Interest Coverage Ratio = 1.13 (Ebit TTM 139.9m / Interest Expense TTM 123.9m)
FCF Yield = 32.53% (FCF TTM 124.7m / Enterprise Value 383.2m)
FCF Margin = 27.85% (FCF TTM 124.7m / Revenue TTM 447.7m)
Net Margin = 22.85% (Net Income TTM 102.3m / Revenue TTM 447.7m)
Gross Margin = 69.09% ((Revenue TTM 447.7m - Cost of Revenue TTM 138.4m) / Revenue TTM)
Gross Margin QoQ = 67.47% (prev 67.81%)
Tobins Q-Ratio = 0.04 (Enterprise Value 383.2m / Total Assets 8.68b)
Interest Expense / Debt = 36.71% (Interest Expense 33.1m / Debt 90.3m)
Taxrate = 26.98% (9.90m / 36.7m)
NOPAT = 102.2m (EBIT 139.9m * (1 - 26.98%))
Current Ratio = 0.09 (Total Current Assets 727.3m / Total Current Liabilities 7.77b)
Debt / Equity = 0.12 (Debt 90.3m / totalStockholderEquity, last quarter 775.6m)
Debt / EBITDA = -0.18 (Net Debt -25.3m / EBITDA 143.5m)
Debt / FCF = -0.20 (Net Debt -25.3m / FCF TTM 124.7m)
Total Stockholder Equity = 743.3m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.18% (Net Income 102.3m / Total Assets 8.68b)
RoE = 13.76% (Net Income TTM 102.3m / Total Stockholder Equity 743.3m)
RoCE = 17.09% (EBIT 139.9m / Capital Employed (Equity 743.3m + L.T.Debt 75.5m))
RoIC = 11.65% (NOPAT 102.2m / Invested Capital 877.1m)
WACC = 10.67% (E(963.2m)/V(1.05b) * Re(9.16%) + D(90.3m)/V(1.05b) * Rd(36.71%) * (1-Tc(0.27)))
Discount Rate = 9.16% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.34%
[DCF Debug] Terminal Value 75.51% ; FCFE base≈118.4m ; Y1≈127.6m ; Y5≈157.3m
Fair Price DCF = 75.07 (DCF Value 2.25b / Shares Outstanding 29.9m; 5y FCF grow 8.76% → 3.0% )
EPS Correlation: 82.00 | EPS CAGR: 17.31% | SUE: 0.86 | # QB: 1
Revenue Correlation: 91.57 | Revenue CAGR: 22.39% | SUE: 1.10 | # QB: 16
EPS next Quarter (2026-03-31): EPS=0.92 | Chg30d=-0.040 | Revisions Net=+1 | Analysts=2
EPS next Year (2026-12-31): EPS=3.95 | Chg30d=-0.145 | Revisions Net=+0 | Growth EPS=+11.3% | Growth Revenue=+8.0%

Additional Sources for AMAL Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle