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Amalgamated Financial Corp. (AMAL) stock analysis

AMALNasdaqState Commercial BanksFiscal year ends December 31
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Nov 3, 2026Score 12/30
$50.08−0.02 (-0.04%)

Close on Nov 12, 2026Market cap $1.50BP/E 13.4Yield –

StockData Score

Prices as of Nov 12, 2026How the score works

Value0Growth1Performance4Health4Dividend3

Mixed12 of 30 checks passed

Amalgamated Financial passes 12 of the 30 checks behind our score; 10 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
0/6
Growth
1/6
Past performance
4/6
Financial health
4/6
Dividend
3/6

What stands out

  • Earnings grew over 5 years

    Net income grew 17.7% a year on average over the last five fiscal years.

  • Covered by free cash flow

    Dividends take 12.8% of free cash flow.

  • Covered by earnings

    Dividends take 16.6% of net income.

  • Loans funded by deposits

    Loans equal 60.1% of deposits, so lending is funded by customer deposits.

What to watch

  • Revenue growing under 10% a year

    Revenue grew 7.6% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growing under 10% a year

    Diluted EPS grew 9.3% a year over the last three fiscal years.

  • Earnings growth not accelerating

    Net income grew 9.6% over the last twelve months, against a 5-year average of 17.7% a year.

  • P/E above its 5-year median

    Amalgamated Financial's P/E of 13.4 is above its own 5-year median of 9.9.

Valuation0/6

  • P/E above its 5-year median

    Amalgamated Financial's P/E of 13.4 is above its own 5-year median of 9.9.

  • P/E above the industry

    Amalgamated Financial's P/E of 13.4 is above the Commercial Banks median of 12.0.

  • P/S above the industry

    Amalgamated Financial's price-to-sales of 4.13 is above the Commercial Banks median of 3.61.

  • P/B against the industry

    Needs positive book value.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth1/6

  • Revenue growing under 10% a year

    Revenue grew 7.6% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growing under 10% a year

    Diluted EPS grew 9.3% a year over the last three fiscal years.

  • Earnings growth not accelerating

    Net income grew 9.6% over the last twelve months, against a 5-year average of 17.7% a year.

  • Growing faster than the industry

    Revenue grew 14.4% over the last twelve months; the Commercial Banks median is 11.3%.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance4/6

  • Return on equity

    Needs positive equity and five years of results.

  • Return on assets over 1%

    Return on assets was 1.3%; for a bank or insurer, 1% or more is considered good.

  • Return on equity against the industry

    Needs positive equity.

  • Earnings grew over 5 years

    Net income grew 17.7% a year on average over the last five fiscal years.

  • Net margin above its 5-year average

    Net margin was 31.3% over the last twelve months, against a 5-year average of 30.6%.

  • Net margin above the industry

    Amalgamated Financial's net margin of 31.3% is above the Commercial Banks median of 30.3%.

Financial health4/6

  • Well capitalized

    Needs equity and total assets.

  • Loans funded by deposits

    Loans equal 60.1% of deposits, so lending is funded by customer deposits.

  • Adequate loan-loss reserve

    The allowance for credit losses is 1.4% of loans; we look for at least 1%.

  • Efficient operations

    Non-interest expense takes 50.5% of revenue; under 60% is efficient for a bank.

  • Deposits growing

    Deposits grew 9.4% over the past year.

  • Borrowings

    Needs debt and equity figures.

Dividend3/6

  • Pays a dividend

    Amalgamated Financial paid dividends worth 1.4% of the share price over the last twelve months.

  • Yield below Treasuries

    The 1.4% yield is below the 4.6% on a 1-year Treasury.

  • Yield below the top quarter

    The top quarter of US dividend payers yield 3.9% or more; Amalgamated Financial yields 1.4%.

  • Dividend stability

    Fewer than five years of dividend history.

  • Covered by earnings

    Dividends take 16.6% of net income.

  • Covered by free cash flow

    Dividends take 12.8% of free cash flow.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for Amalgamated Financial. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 9.9
  • Commercial Banks median 12.0

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

Medium risk

Average value traded per day
$10.14M
Value traded per 1% price move
$9.80M

Downside

Low risk

Typical loss in a bad month
8.2%
Volatility (annualized)
27%
Sharpe ratio, 1 year
2.64
Beta to the S&P 500 (5Y)
0.65

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2017 to 2025

Net margin

31.8%+10.8 pts over 5 years

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