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Jun 11, 2026·SEC
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Amalgamated Financial Corp.(AMAL)Earnings, Financials & Key Ratios
AMAL•NASDAQ•Banking & Credit
$46.95
13.8× P/E·Price updated Jun 27, 2026
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$298M+5.4%
- Total Revenue$455M+4.5%
- Net Income$104M-1.9%
- Return on Equity13.91%-15.5%
- Net Interest Margin3.36%-1.8%
- Efficiency Ratio39.48%+7.0%
- ROA1.22%-7.0%
- Equity / Assets8.96%+4.5%
- Book Value per Share26.24+14.7%
AMAL Price & Volume
Amalgamated Financial Corp. (AMAL) stock price & volume — 10-year historical chart
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Institutional Deposit Growth Offsets Credit Provisioning Headwinds
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Accelerating
Profitability:Strong
Financial Position:Healthy
Cash Flow:Robust
Primary Risk:NYC Commercial Real Estate
"Amalgamated Financial Corp. demonstrates a unique ability to drive 13.6% year-over-year net interest income growth by leveraging its institutional deposit base, though this is tempered by a shift toward conservative provisioning. While the bank maintains a stable 0.09 equity-to-assets ratio, the heavy concentration of investment securities—comprising 97% of total assets—warrants close monitoring for duration risk. Investors should weigh the bank's consistent fee-based revenue diversification against the potential volatility inherent in its concentrated commercial real estate exposure."
Verdict Logic
while the bank shows strong 13.6% NII growth, the current 1.79 P/B valuation appears elevated given the potential credit risks associated with the recent $13.5 million increase in quarterly provision expenses.
AMAL Growth Metrics
Amalgamated Financial Corp. (AMAL) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years15.26%
3 Years16.86%
TTM-
Profit CAGR
10 Years-
5 Years17.73%
3 Years8.63%
TTM0.41%
EPS CAGR
10 Years-
5 Years18.17%
3 Years9.32%
TTM2.08%
Return on Capital
10 Years7.89%
5 Years9.95%
3 Years9.46%
Last Year2.82%
AMAL Recent Earnings
Amalgamated Financial Corp. (AMAL) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 7/12 qtrs (64%)●Beat Revenue 7/12 qtrs (64%)
Q2 2026Latest
Apr 23, 2026Metric
Actual
Est
EPS
$0.80-15.8%
$0.95
Rev
$91M+1.8%
$90M
Q2 2026
Mar 5, 2026Metric
Actual
Est
EPS
$0.88
—
Rev
$115M
—
Q1 2026
Jan 22, 2026Metric
Actual
Est
EPS
$0.99+8.8%
$0.91
Rev
$88M+3.0%
$85M
Q4 2025
Oct 23, 2025Metric
Actual
Est
EPS
$0.91+3.4%
$0.88
Rev
$85M-1.5%
$86M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.80vs $0.95-15.8% | $91Mvs $90M+1.8% |
| Q2 2026 | Mar 5, 2026 | $0.88 | $115M |
| Q1 2026 | Jan 22, 2026 | $0.99vs $0.91+8.8% | $88Mvs $85M+3.0% |
| Q4 2025 | Oct 23, 2025 | $0.91vs $0.88+3.4% | $85Mvs $86M-1.5% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Amalgamated Financial Corp. (AMAL)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $46.95 | $1.4B | 13.77 | 4.52% | 22.95% | 13.91% | 1.21% | |
| $40.59 | $1.79B | 17.13 | 13.03% | 16.65% | 8.46% | — | |
| $104.82 | $1.24B | 10.07 | -4.11% | 26.69% | 17.48% | — | |
| $20.83 | $669.99M | 10.79 | 28.44% | 25.68% | 10.59% | — | |
| $27.78 | $384.31M | 8.55 | -1.55% | 28.51% | 12.62% | — | |
| $72.36 | $1.31B | 13.33 | 8.86% | 24.85% | 12.27% | — |
Compare AMAL vs Peers
Amalgamated Financial Corp. (AMAL) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
AMAL SEC Filings & Documents
Amalgamated Financial Corp. (AMAL) SEC filings — annual & quarterly reports (10-K, 10-Q)
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AMAL Frequently Asked Questions
Amalgamated Financial Corp. (AMAL) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Amalgamated Financial Corp. growing?
Amalgamated Financial Corp. (AMAL) grew revenue by 4.5% over the past year. Growth has been modest.
Is AMAL profitable?
Yes, Amalgamated Financial Corp. (AMAL) is profitable, generating $104.6M in net income for fiscal year 2025 (23.0% net margin).
Dividend & Returns
Does AMAL pay dividends?
Yes, Amalgamated Financial Corp. (AMAL) pays a dividend with a yield of 1.21%. This makes it attractive for income-focused investors.
What is AMAL's return on equity?
Amalgamated Financial Corp. (AMAL) has a return on equity (ROE) of 13.9%. This is reasonable for most industries.
Industry Metrics
What is Amalgamated Financial Corp.'s net interest margin?
Amalgamated Financial Corp. (AMAL) has a net interest margin (NIM) of 3.4%. This indicates healthy earnings from lending activities.
What is Amalgamated Financial Corp.'s efficiency ratio?
Amalgamated Financial Corp. (AMAL) has an efficiency ratio of 39.5%. This is excellent, indicating strong cost control.