Amalgamated Financial Corp. (AMAL) 10-Year Financial Performance & Capital Metrics

AMAL • • Banking & Credit

Financial ServicesRegional BanksCommercial & Business BankingCommercial & Corporate Banking

AboutAmalgamated Financial Corp. operates as the bank holding company for Amalgamated Bank that provides commercial and retail banking, investment management, and trust and custody services for commercial and retail customers in the United States. The company accepts various deposit products, including non-interest bearing accounts, interest-bearing demand products, savings accounts, money market accounts, NOW accounts, and certificates of deposit. It also provides various commercial loans comprising commercial and industrial, multifamily mortgage, and commercial real estate loans; and retail loans, such as residential real estate, and consumer and other loans. In addition, the company offers online banking, bill payment, online cash management, and safe deposit box rental services; debit and ATM cards; and trust, custody, and investment management services comprising asset safekeeping, corporate actions, income collections, proxy, account transition, asset transfers, and conversion management services. Further, it provides investment products, such as equity, fixed-income, real estate, and alternative investment products; and brokerage, asset management, and insurance products. The company operates through its three branch offices across New York City, one branch office in Washington, D.C., one branch office in San Francisco, one commercial office in Boston, and digital banking platform. Amalgamated Financial Corp. was founded in 1923 and is headquartered in New York, New York.Show more

Net Interest Income $282M +8.1%
Total Revenue $435M +13.8%
Net Income $106M +21.0%
Return on Equity 16.46% +2.4%
Net Interest Margin 3.42% +4.4%
Efficiency Ratio 36.89% -3.6%
ROA 1.31% +17.9%
Equity / Assets 8.57% +16.7%
Book Value per Share 22.87 +20.3%
Tangible BV/Share 22.41 +21.0%
Debt/Equity 0.47 -17.6%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong 5Y profit CAGR of 17.7%
✓Strong Piotroski F-Score: 7/9
✓Efficient operations: 36.9% efficiency ratio
✓Good 3Y average ROE of 15.9%

✗Weaknesses

No significant weaknesses identified

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y-

5Y15.14%

3Y27.76%

TTM-

Profit (Net Income) CAGR

10Y-

5Y17.66%

3Y26.21%

TTM4.49%

EPS CAGR

10Y-

5Y18.54%

3Y26.98%

TTM3.72%

ROCE

10Y Avg8.46%

5Y Avg11.26%

3Y Avg12.18%

Latest14.27%

Peer Comparison

Commercial & Corporate Banking

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
TCBITexas Capital Bancshares, Inc.	4.49B	98.37	76.85	-1.72%	4.4%	7.92%	9.27%	0.46
BANCBanc of California, Inc.	3.15B	20.87	40.13	24.65%	6.78%	6.01%	2.04%	0.67
DBDeutsche Bank AG	74.26B	38.87	28.37	11.78%	5.07%	7.18%		1.91
HTHHilltop Holdings Inc.	2.2B	35.83	20.59	2.5%	7.35%	7.2%	12.14%	0.61
SFBSServisFirst Bancshares, Inc.	4.28B	78.31	18.82	17.89%	23.26%	14.33%	5.8%	1.27
CMAComerica Incorporated	11.69B	91.51	18.23	-4.95%	13.98%	10.57%	3.83%	1.02
BOKFBOK Financial Corporation	8.08B	127.69	15.69	10.4%	15.57%	8.91%	15.59%	0.80
CNOBConnectOne Bancorp, Inc.	1.37B	27.26	15.49	6.06%	13.8%	3.98%	4.15%	0.63

Profit & Loss

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	0	121.3M	149.75M	166.64M	180.02M	174.3M	239.84M	261.31M	282.43M
NII Growth %	-	-	0.23%	0.11%	0.08%	-0.03%	0.38%	0.09%	0.08%
Net Interest Margin %	-	-	-	-	-	-	-	-	-
Interest Income	0	139.06M	163.96M	185.95M	190.5M	180.53M	258.49M	358.08M	401.3M
Interest Expense	23.3M	17.76M	14.22M	19.32M	10.48M	6.22M	18.65M	96.77M	118.87M
Loan Loss Provision	0	6.67M	-260K	3.84M	24.79M	-287K	15M	14.67M	10.28M
Non-Interest Income+	158.46M	28.2M	28.32M	29.2M	33.19M	28.24M	26.67M	24.4M	34.05M
Non-Interest Income %	-	-	-	-	-	-	-	-	-
Total Revenue+	158.46M	167.25M	192.28M	215.16M	223.69M	208.76M	285.16M	382.48M	435.34M
Revenue Growth %	-	0.06%	0.15%	0.12%	0.04%	-0.07%	0.37%	0.34%	0.14%
Non-Interest Expense	105.46M	123.1M	128M	127.83M	126.47M	132.1M	143.34M	146.31M	160.6M
Efficiency Ratio	-	-	-	-	-	-	-	-	-
Operating Income+	16.38M	19.72M	50.32M	64.17M	61.94M	70.72M	108.16M	124.73M	145.32M
Operating Margin %	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-	0.2%	1.55%	0.28%	-0.03%	0.14%	0.53%	0.15%	0.17%
Pretax Income+	10.7M	19.72M	50.32M	64.17M	61.94M	70.72M	108.16M	124.73M	145.59M
Pretax Margin %	-	-	-	-	-	-	-	-	-
Income Tax+	137K	13.61M	5.67M	16.97M	15.76M	17.79M	26.69M	36.75M	39.16M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-
Net Income+	10.56M	6.11M	44.65M	47.2M	46.19M	52.94M	81.48M	87.98M	106.43M
Net Margin %	-	-	-	-	-	-	-	-	-
Net Income Growth %	-	-0.42%	6.31%	0.06%	-0.02%	0.15%	0.54%	0.08%	0.21%
Net Income (Continuing)	10.56M	6.11M	44.65M	47.2M	46.19M	52.94M	81.48M	87.98M	106.43M
EPS (Diluted)+	0.35	0.19	1.46	1.47	1.48	1.68	2.61	2.86	3.44
EPS Growth %	-	-0.46%	6.68%	0.01%	0.01%	0.14%	0.55%	0.1%	0.2%
EPS (Basic)	0.35	0.19	1.47	1.49	1.48	1.70	2.64	2.88	3.48
Diluted Shares Outstanding	29.92M	31.77M	30.63M	32.2M	31.23M	31.51M	31.19M	30.79M	30.94M

Balance Sheet

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	0	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	140.63M	116.46M	80.84M	122.54M	38.77M	330.49M	63.54M	90.57M	60.75M
Short Term Investments	0	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	163.65M	3.73B	4.39B	4.96B	5.5B	6.24B	7.43B	7.54B	7.87B
Investments Growth %	-	21.81%	0.18%	0.13%	0.11%	0.13%	0.19%	0.01%	0.04%
Long-Term Investments	163.65M	2.79B	3.21B	3.73B	3.96B	4.13B	5.62B	6.06B	6.25B
Accounts Receivables	0	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-
Goodwill	0	0	12.9M	12.94M	12.94M	12.94M	12.94M	12.94M	12.94M
Intangible Assets	0	0	8.14M	6.73M	5.36M	4.15M	3.1M	2.22M	1.49M
PP&E (Net)	25.52M	22.42M	21.65M	65.08M	49.08M	44.85M	38.09M	28.88M	20.62M
Other Assets	90.47M	118.92M	117.98M	108.96M	307.91M	386.44M	190.51M	185.29M	183.32M
Total Current Assets	159.49M	1.07B	1.27B	1.37B	1.6B	2.47B	1.92B	1.63B	1.75B
Total Non-Current Assets	3.88B	2.97B	3.42B	3.96B	4.38B	4.61B	5.93B	6.34B	6.51B
Total Assets+	4.04B	4.04B	4.69B	5.33B	5.98B	7.08B	7.84B	7.97B	8.26B
Asset Growth %	-	-0%	0.16%	0.14%	0.12%	0.18%	0.11%	0.02%	0.04%
Return on Assets (ROA)	0%	0%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%
Accounts Payable	2.92M	0	0	0	0	0	0	0	0
Total Debt+	638.87M	402.61M	92.88M	137.4M	53.17M	131.99M	698.49M	335.57M	334.14M
Net Debt	498.24M	286.15M	12.03M	14.87M	14.4M	-198.49M	634.95M	245M	273.39M
Long-Term Debt	430.57M	402.61M	92.88M	75M	0	83.83M	657.71M	304.93M	314.41M
Short-Term Debt	0	0	0	0	0	0	0	0	0
Other Liabilities	0	61.38M	47.94M	56.41M	50.93M	25.75M	40.65M	39.4M	34.49M
Total Current Liabilities	2.23B	3.23B	4.11B	4.64B	5.34B	6.36B	6.6B	7.01B	7.18B
Total Non-Current Liabilities	3.7B	463.99M	140.81M	193.81M	104.1M	157.75M	739.13M	374.97M	368.63M
Total Liabilities	3.7B	3.7B	4.25B	4.83B	5.44B	6.51B	7.33B	7.39B	7.55B
Total Equity+	341.11M	344.07M	439.37M	490.54M	535.82M	563.88M	508.95M	585.36M	707.65M
Equity Growth %	-	0.01%	0.28%	0.12%	0.09%	0.05%	-0.1%	0.15%	0.21%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.03%	0.02%	0.11%	0.1%	0.09%	0.1%	0.15%	0.16%	0.16%
Book Value per Share	11.40	10.83	14.34	15.23	17.16	17.89	16.32	19.01	22.87
Tangible BV per Share	-	-	-	-	-	-	-	-	-
Common Stock	14.03M	281K	318K	315K	310K	311K	307K	307K	308K
Additional Paid-in Capital	0	243.77M	308.68M	305.74M	300.99M	297.98M	286.95M	288.23M	288.66M
Retained Earnings	93.13M	99.51M	142.23M	181.13M	217.21M	260.05M	330.27M	388.03M	480.14M
Accumulated OCI	-2.9M	-6.32M	-11.99M	3.23M	17.18M	5.41M	-108.71M	-86M	-58.64M
Treasury Stock	0	0	0	0	0	0	0	-5.34M	-2.82M
Preferred Stock	6.7M	6.7M	0	0	0	0	0	0	0

Cash Flow

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	8.36M	23.94M	31.02M	83.46M	65.77M	70.54M	147.32M	117.22M	124.06M
Operating CF Growth %	-	1.86%	0.3%	1.69%	-0.21%	0.07%	1.09%	-0.2%	0.06%
Net Income	10.56M	6.11M	44.65M	47.2M	46.19M	52.94M	81.48M	87.98M	106.43M
Depreciation & Amortization	4.33M	4.96M	5.17M	6M	7.56M	4.84M	10.35M	6.4M	5.43M
Deferred Taxes	-407K	13.22M	4.66M	5.03M	-407K	7.05M	14.38M	4.24M	5.17M
Other Non-Cash Items	5.59M	13.57M	3.78M	-1.56M	9.53M	14.51M	39.69M	18.31M	28.36M
Working Capital Changes	-9.63M	-13.93M	-28.16M	24.34M	514K	-10.6M	-1.25M	-4.39M	-26.87M
Cash from Investing+	-335.01M	-35.1M	-258.31M	-545.88M	-755.14M	-865.41M	-1.2B	-134.41M	-315.95M
Purchase of Investments	-430.42M	-419.93M	-597.29M	-770.91M	-970.82M	-1.7B	-1.26B	-380.95M	-916.72M
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-
Acquisitions	-950K	0	31.74M	0	0	0	0	0	0
Other Investing	-249.72M	-266.02M	-74.22M	-234.05M	-208.71M	96.81M	-651.88M	-314.05M	-306.7M
Cash from Financing+	220.77M	-13.01M	191.67M	504.12M	605.6M	1.09B	788.22M	44.21M	162.06M
Dividends Paid	0	-394K	-1.93M	-8.3M	-9.99M	-9.98M	-11.21M	-12.33M	-14.23M
Share Repurchases	-2.06M	0	-6.97M	-5.79M	-7.01M	-2.92M	-12.48M	-8.31M	-1.28M
Stock Issued	0	0	0	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	-1000K	-1000K	-1000K	-1000K	1000K	1000K	-1000K	1000K
Other Financing	275.97M	189.01M	517.27M	536.08M	697.59M	1.02B	237.55M	416.53M	167.18M
Net Change in Cash+	-105.88M	-24.18M	-35.61M	41.69M	-83.77M	291.72M	-266.94M	27.03M	-29.82M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0
Cash at Beginning	246.52M	140.63M	116.46M	80.84M	122.54M	38.77M	330.49M	63.54M	90.57M
Cash at End	140.63M	116.46M	80.84M	122.54M	38.77M	330.49M	63.54M	90.57M	60.75M
Interest Paid	0	19.25M	14.62M	18.97M	11.48M	6.04M	18M	85.71M	128.78M
Income Taxes Paid	0	1.14M	3.56M	9.31M	9.82M	5.69M	6.65M	22.63M	30.11M
Free Cash Flow+	-4.17M	22.07M	29.59M	82.71M	64.16M	68.14M	145.65M	115.75M	122.29M
FCF Growth %	-	6.29%	0.34%	1.79%	-0.22%	0.06%	1.14%	-0.21%	0.06%

Banking Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	3.1%	1.78%	11.4%	10.15%	9%	9.63%	15.19%	16.08%	16.46%
Return on Assets (ROA)	0.26%	0.15%	1.02%	0.94%	0.82%	0.81%	1.09%	1.11%	1.31%
Net Interest Margin	0%	3%	3.2%	3.13%	3.01%	2.46%	3.06%	3.28%	3.42%
Efficiency Ratio	66.55%	73.6%	66.57%	59.41%	56.54%	63.28%	50.27%	38.25%	36.89%
Equity / Assets	8.44%	8.51%	9.38%	9.21%	8.96%	7.97%	6.49%	7.34%	8.57%
Book Value / Share	11.4	10.83	14.34	15.23	17.16	17.89	16.32	19.01	22.87
NII Growth	-	-	23.45%	11.28%	8.03%	-3.17%	37.6%	8.95%	8.08%
Dividend Payout	-	6.45%	4.32%	17.59%	21.62%	18.85%	13.76%	14.02%	13.37%

Frequently Asked Questions

Valuation & Price

Amalgamated Financial Corp. (AMAL) has a price-to-earnings (P/E) ratio of 10.1x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Amalgamated Financial Corp. (AMAL) grew revenue by 13.8% over the past year. This is steady growth.

Yes, Amalgamated Financial Corp. (AMAL) is profitable, generating $103.4M in net income for fiscal year 2024 (24.4% net margin).

Dividend & Returns

Yes, Amalgamated Financial Corp. (AMAL) pays a dividend with a yield of 1.32%. This makes it attractive for income-focused investors.

Amalgamated Financial Corp. (AMAL) has a return on equity (ROE) of 16.5%. This is reasonable for most industries.

Industry Metrics

Amalgamated Financial Corp. (AMAL) has a net interest margin (NIM) of 3.4%. This indicates healthy earnings from lending activities.

Amalgamated Financial Corp. (AMAL) has an efficiency ratio of 36.9%. This is excellent, indicating strong cost control.

US Stock Screener

...

Amalgamated Financial Corp. (AMAL) 10-Year Financial Performance & Capital Metrics

AMAL • • Banking & Credit

Financial ServicesRegional BanksCommercial & Business BankingCommercial & Corporate Banking

Net Interest Income $282M +8.1%
Total Revenue $435M +13.8%
Net Income $106M +21.0%
Return on Equity 16.46% +2.4%
Net Interest Margin 3.42% +4.4%
Efficiency Ratio 36.89% -3.6%
ROA 1.31% +17.9%
Equity / Assets 8.57% +16.7%
Book Value per Share 22.87 +20.3%
Tangible BV/Share 22.41 +21.0%
Debt/Equity 0.47 -17.6%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong 5Y profit CAGR of 17.7%
✓Strong Piotroski F-Score: 7/9
✓Efficient operations: 36.9% efficiency ratio
✓Good 3Y average ROE of 15.9%

✗Weaknesses

No significant weaknesses identified

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y-

5Y15.14%

3Y27.76%

TTM-

Profit (Net Income) CAGR

10Y-

5Y17.66%

3Y26.21%

TTM4.49%

EPS CAGR

10Y-

5Y18.54%

3Y26.98%

TTM3.72%

ROCE

10Y Avg8.46%

5Y Avg11.26%

3Y Avg12.18%

Latest14.27%

Peer Comparison

Commercial & Corporate Banking

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
TCBITexas Capital Bancshares, Inc.	4.49B	98.37	76.85	-1.72%	4.4%	7.92%	9.27%	0.46
BANCBanc of California, Inc.	3.15B	20.87	40.13	24.65%	6.78%	6.01%	2.04%	0.67
DBDeutsche Bank AG	74.26B	38.87	28.37	11.78%	5.07%	7.18%		1.91
HTHHilltop Holdings Inc.	2.2B	35.83	20.59	2.5%	7.35%	7.2%	12.14%	0.61
SFBSServisFirst Bancshares, Inc.	4.28B	78.31	18.82	17.89%	23.26%	14.33%	5.8%	1.27
CMAComerica Incorporated	11.69B	91.51	18.23	-4.95%	13.98%	10.57%	3.83%	1.02
BOKFBOK Financial Corporation	8.08B	127.69	15.69	10.4%	15.57%	8.91%	15.59%	0.80
CNOBConnectOne Bancorp, Inc.	1.37B	27.26	15.49	6.06%	13.8%	3.98%	4.15%	0.63

Profit & Loss

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	0	121.3M	149.75M	166.64M	180.02M	174.3M	239.84M	261.31M	282.43M
NII Growth %	-	-	0.23%	0.11%	0.08%	-0.03%	0.38%	0.09%	0.08%
Net Interest Margin %	-	-	-	-	-	-	-	-	-
Interest Income	0	139.06M	163.96M	185.95M	190.5M	180.53M	258.49M	358.08M	401.3M
Interest Expense	23.3M	17.76M	14.22M	19.32M	10.48M	6.22M	18.65M	96.77M	118.87M
Loan Loss Provision	0	6.67M	-260K	3.84M	24.79M	-287K	15M	14.67M	10.28M
Non-Interest Income+	158.46M	28.2M	28.32M	29.2M	33.19M	28.24M	26.67M	24.4M	34.05M
Non-Interest Income %	-	-	-	-	-	-	-	-	-
Total Revenue+	158.46M	167.25M	192.28M	215.16M	223.69M	208.76M	285.16M	382.48M	435.34M
Revenue Growth %	-	0.06%	0.15%	0.12%	0.04%	-0.07%	0.37%	0.34%	0.14%
Non-Interest Expense	105.46M	123.1M	128M	127.83M	126.47M	132.1M	143.34M	146.31M	160.6M
Efficiency Ratio	-	-	-	-	-	-	-	-	-
Operating Income+	16.38M	19.72M	50.32M	64.17M	61.94M	70.72M	108.16M	124.73M	145.32M
Operating Margin %	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-	0.2%	1.55%	0.28%	-0.03%	0.14%	0.53%	0.15%	0.17%
Pretax Income+	10.7M	19.72M	50.32M	64.17M	61.94M	70.72M	108.16M	124.73M	145.59M
Pretax Margin %	-	-	-	-	-	-	-	-	-
Income Tax+	137K	13.61M	5.67M	16.97M	15.76M	17.79M	26.69M	36.75M	39.16M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-
Net Income+	10.56M	6.11M	44.65M	47.2M	46.19M	52.94M	81.48M	87.98M	106.43M
Net Margin %	-	-	-	-	-	-	-	-	-
Net Income Growth %	-	-0.42%	6.31%	0.06%	-0.02%	0.15%	0.54%	0.08%	0.21%
Net Income (Continuing)	10.56M	6.11M	44.65M	47.2M	46.19M	52.94M	81.48M	87.98M	106.43M
EPS (Diluted)+	0.35	0.19	1.46	1.47	1.48	1.68	2.61	2.86	3.44
EPS Growth %	-	-0.46%	6.68%	0.01%	0.01%	0.14%	0.55%	0.1%	0.2%
EPS (Basic)	0.35	0.19	1.47	1.49	1.48	1.70	2.64	2.88	3.48
Diluted Shares Outstanding	29.92M	31.77M	30.63M	32.2M	31.23M	31.51M	31.19M	30.79M	30.94M

Balance Sheet

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	0	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	140.63M	116.46M	80.84M	122.54M	38.77M	330.49M	63.54M	90.57M	60.75M
Short Term Investments	0	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	163.65M	3.73B	4.39B	4.96B	5.5B	6.24B	7.43B	7.54B	7.87B
Investments Growth %	-	21.81%	0.18%	0.13%	0.11%	0.13%	0.19%	0.01%	0.04%
Long-Term Investments	163.65M	2.79B	3.21B	3.73B	3.96B	4.13B	5.62B	6.06B	6.25B
Accounts Receivables	0	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-
Goodwill	0	0	12.9M	12.94M	12.94M	12.94M	12.94M	12.94M	12.94M
Intangible Assets	0	0	8.14M	6.73M	5.36M	4.15M	3.1M	2.22M	1.49M
PP&E (Net)	25.52M	22.42M	21.65M	65.08M	49.08M	44.85M	38.09M	28.88M	20.62M
Other Assets	90.47M	118.92M	117.98M	108.96M	307.91M	386.44M	190.51M	185.29M	183.32M
Total Current Assets	159.49M	1.07B	1.27B	1.37B	1.6B	2.47B	1.92B	1.63B	1.75B
Total Non-Current Assets	3.88B	2.97B	3.42B	3.96B	4.38B	4.61B	5.93B	6.34B	6.51B
Total Assets+	4.04B	4.04B	4.69B	5.33B	5.98B	7.08B	7.84B	7.97B	8.26B
Asset Growth %	-	-0%	0.16%	0.14%	0.12%	0.18%	0.11%	0.02%	0.04%
Return on Assets (ROA)	0%	0%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%
Accounts Payable	2.92M	0	0	0	0	0	0	0	0
Total Debt+	638.87M	402.61M	92.88M	137.4M	53.17M	131.99M	698.49M	335.57M	334.14M
Net Debt	498.24M	286.15M	12.03M	14.87M	14.4M	-198.49M	634.95M	245M	273.39M
Long-Term Debt	430.57M	402.61M	92.88M	75M	0	83.83M	657.71M	304.93M	314.41M
Short-Term Debt	0	0	0	0	0	0	0	0	0
Other Liabilities	0	61.38M	47.94M	56.41M	50.93M	25.75M	40.65M	39.4M	34.49M
Total Current Liabilities	2.23B	3.23B	4.11B	4.64B	5.34B	6.36B	6.6B	7.01B	7.18B
Total Non-Current Liabilities	3.7B	463.99M	140.81M	193.81M	104.1M	157.75M	739.13M	374.97M	368.63M
Total Liabilities	3.7B	3.7B	4.25B	4.83B	5.44B	6.51B	7.33B	7.39B	7.55B
Total Equity+	341.11M	344.07M	439.37M	490.54M	535.82M	563.88M	508.95M	585.36M	707.65M
Equity Growth %	-	0.01%	0.28%	0.12%	0.09%	0.05%	-0.1%	0.15%	0.21%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.03%	0.02%	0.11%	0.1%	0.09%	0.1%	0.15%	0.16%	0.16%
Book Value per Share	11.40	10.83	14.34	15.23	17.16	17.89	16.32	19.01	22.87
Tangible BV per Share	-	-	-	-	-	-	-	-	-
Common Stock	14.03M	281K	318K	315K	310K	311K	307K	307K	308K
Additional Paid-in Capital	0	243.77M	308.68M	305.74M	300.99M	297.98M	286.95M	288.23M	288.66M
Retained Earnings	93.13M	99.51M	142.23M	181.13M	217.21M	260.05M	330.27M	388.03M	480.14M
Accumulated OCI	-2.9M	-6.32M	-11.99M	3.23M	17.18M	5.41M	-108.71M	-86M	-58.64M
Treasury Stock	0	0	0	0	0	0	0	-5.34M	-2.82M
Preferred Stock	6.7M	6.7M	0	0	0	0	0	0	0

Cash Flow

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	8.36M	23.94M	31.02M	83.46M	65.77M	70.54M	147.32M	117.22M	124.06M
Operating CF Growth %	-	1.86%	0.3%	1.69%	-0.21%	0.07%	1.09%	-0.2%	0.06%
Net Income	10.56M	6.11M	44.65M	47.2M	46.19M	52.94M	81.48M	87.98M	106.43M
Depreciation & Amortization	4.33M	4.96M	5.17M	6M	7.56M	4.84M	10.35M	6.4M	5.43M
Deferred Taxes	-407K	13.22M	4.66M	5.03M	-407K	7.05M	14.38M	4.24M	5.17M
Other Non-Cash Items	5.59M	13.57M	3.78M	-1.56M	9.53M	14.51M	39.69M	18.31M	28.36M
Working Capital Changes	-9.63M	-13.93M	-28.16M	24.34M	514K	-10.6M	-1.25M	-4.39M	-26.87M
Cash from Investing+	-335.01M	-35.1M	-258.31M	-545.88M	-755.14M	-865.41M	-1.2B	-134.41M	-315.95M
Purchase of Investments	-430.42M	-419.93M	-597.29M	-770.91M	-970.82M	-1.7B	-1.26B	-380.95M	-916.72M
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-
Acquisitions	-950K	0	31.74M	0	0	0	0	0	0
Other Investing	-249.72M	-266.02M	-74.22M	-234.05M	-208.71M	96.81M	-651.88M	-314.05M	-306.7M
Cash from Financing+	220.77M	-13.01M	191.67M	504.12M	605.6M	1.09B	788.22M	44.21M	162.06M
Dividends Paid	0	-394K	-1.93M	-8.3M	-9.99M	-9.98M	-11.21M	-12.33M	-14.23M
Share Repurchases	-2.06M	0	-6.97M	-5.79M	-7.01M	-2.92M	-12.48M	-8.31M	-1.28M
Stock Issued	0	0	0	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	-1000K	-1000K	-1000K	-1000K	1000K	1000K	-1000K	1000K
Other Financing	275.97M	189.01M	517.27M	536.08M	697.59M	1.02B	237.55M	416.53M	167.18M
Net Change in Cash+	-105.88M	-24.18M	-35.61M	41.69M	-83.77M	291.72M	-266.94M	27.03M	-29.82M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0
Cash at Beginning	246.52M	140.63M	116.46M	80.84M	122.54M	38.77M	330.49M	63.54M	90.57M
Cash at End	140.63M	116.46M	80.84M	122.54M	38.77M	330.49M	63.54M	90.57M	60.75M
Interest Paid	0	19.25M	14.62M	18.97M	11.48M	6.04M	18M	85.71M	128.78M
Income Taxes Paid	0	1.14M	3.56M	9.31M	9.82M	5.69M	6.65M	22.63M	30.11M
Free Cash Flow+	-4.17M	22.07M	29.59M	82.71M	64.16M	68.14M	145.65M	115.75M	122.29M
FCF Growth %	-	6.29%	0.34%	1.79%	-0.22%	0.06%	1.14%	-0.21%	0.06%

Banking Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	3.1%	1.78%	11.4%	10.15%	9%	9.63%	15.19%	16.08%	16.46%
Return on Assets (ROA)	0.26%	0.15%	1.02%	0.94%	0.82%	0.81%	1.09%	1.11%	1.31%
Net Interest Margin	0%	3%	3.2%	3.13%	3.01%	2.46%	3.06%	3.28%	3.42%
Efficiency Ratio	66.55%	73.6%	66.57%	59.41%	56.54%	63.28%	50.27%	38.25%	36.89%
Equity / Assets	8.44%	8.51%	9.38%	9.21%	8.96%	7.97%	6.49%	7.34%	8.57%
Book Value / Share	11.4	10.83	14.34	15.23	17.16	17.89	16.32	19.01	22.87
NII Growth	-	-	23.45%	11.28%	8.03%	-3.17%	37.6%	8.95%	8.08%
Dividend Payout	-	6.45%	4.32%	17.59%	21.62%	18.85%	13.76%	14.02%	13.37%

Frequently Asked Questions

Valuation & Price

Amalgamated Financial Corp. (AMAL) has a price-to-earnings (P/E) ratio of 10.1x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Amalgamated Financial Corp. (AMAL) grew revenue by 13.8% over the past year. This is steady growth.

Yes, Amalgamated Financial Corp. (AMAL) is profitable, generating $103.4M in net income for fiscal year 2024 (24.4% net margin).

Dividend & Returns

Yes, Amalgamated Financial Corp. (AMAL) pays a dividend with a yield of 1.32%. This makes it attractive for income-focused investors.

Amalgamated Financial Corp. (AMAL) has a return on equity (ROE) of 16.5%. This is reasonable for most industries.

Industry Metrics

Amalgamated Financial Corp. (AMAL) has a net interest margin (NIM) of 3.4%. This indicates healthy earnings from lending activities.

Amalgamated Financial Corp. (AMAL) has an efficiency ratio of 36.9%. This is excellent, indicating strong cost control.