Amalgamated Financial Corp. logo

Amalgamated Financial Corp.

AMAL

NASDAQFinancial ServicesBanks - Regional

Previous close

$48.76

−$0.12 · -0.25%

Aug 21, 4:00 PM ET

Pre-market

$49.0627

+$0.3027 · +0.62%

Aug 24, 4:04 AM ET

AMAL company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

47

Fair Value

Momentum

64

Gaining

Sentiment

67

Bullish

Risk resilience

73

Moderate Risk

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Company profile

Company website

Amalgamated Financial Corp., established in New York in 1923, operates as the parent company for Amalgamated Bank. This institution delivers a comprehensive array of financial services, including commercial and retail banking, investment management, and trust and custody solutions, to businesses and individual customers across the United States. Its banking provisions encompass various deposit accounts, from non-interest bearing and interest-bearing checking to savings, money market, and certificates of deposit. On the lending side, Amalgamated extends commercial loans for industrial, multi-family, and general real estate purposes, in addition to retail loans like residential mortgages and consumer credit. Beyond core banking, the company facilitates online banking, bill payment, cash management, and safe deposit box rentals, while also providing debit and ATM cards. Its specialized trust, custody, and investment management operations cover asset safekeeping, corporate action handling, income collection, proxy services, and asset transfers and conversion management. Furthermore, it offers diverse investment products, such as equity, fixed-income, real estate, and alternative investments, alongside brokerage, asset management, and insurance products. Amalgamated Financial Corp. serves its clientele through a digital banking platform and a network of physical offices, including three branches in New York City, one in Washington, D.C., one in San Francisco, and a commercial office in Boston.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Priscilla Sims Brown
Listed since
Aug 9, 2018
Employees
450

Market position

Day range

Current $48.76

52-week range

Current $48.76

Open
$49.315
Previous close
$48.88
Volume
309.63K
2.01× average
Average volume
154.05K
Average daily volume
Market cap
1.46B USD
Beta
0.79
Market reference 1
50-day average
$47.5868
+2.47% above average
200-day average
$39.6731
+22.90% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
1.05B USD
P/E (TTM)
12.87×
P/B (TTM)
1.74×
P/S (TTM)
EV / EBITDA
7.23×
Earnings yield
10.89%
Free cash flow yield
14.02%
Dividend yield
1.33%

Profitability & efficiency

Gross margin
69.79%
Operating margin
31.03%
Net margin
23.37%
Return on equity
13.15%
Return on assets
1.18%
Return on invested capital
1.18%

Financial health

Debt / equity
0.09×
Current ratio
12.77×
Altman Z-score
0.31
Piotroski F-score
8 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends105%75%45%16%Gross margin, FY2021: 97.16%Gross margin, FY2022: 88.20%Gross margin, FY2023: 70.86%Gross margin, FY2024: 70.33%Gross margin, FY2025: 70.28%Operating margin, FY2021: 33.88%Operating margin, FY2022: 37.93%Operating margin, FY2023: 32.61%Operating margin, FY2024: 33.38%Operating margin, FY2025: 30.79%Net margin, FY2021: 25.36%Net margin, FY2022: 28.57%Net margin, FY2023: 23.00%Net margin, FY2024: 24.45%Net margin, FY2025: 22.95%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 97.16%. Gross margin FY2022 88.20%. Gross margin FY2023 70.86%. Gross margin FY2024 70.33%. Gross margin FY2025 70.28%. Operating margin FY2021 33.88%. Operating margin FY2022 37.93%. Operating margin FY2023 32.61%. Operating margin FY2024 33.38%. Operating margin FY2025 30.79%. Net margin FY2021 25.36%. Net margin FY2022 28.57%. Net margin FY2023 23.00%. Net margin FY2024 24.45%. Net margin FY2025 22.95%.

Income trends

Revenue

455.03M USD+4.52%

Operating income

140.1M USD-3.59%

Net income

104.45M USD-1.87%
Income trends across reported periods495.24M USD334.4M USD173.56M USD12.73M USDRevenue, FY2021: 208.77M USDRevenue, FY2022: 285.16M USDRevenue, FY2023: 382.48M USDRevenue, FY2024: 435.34M USDRevenue, FY2025: 455.03M USDOperating income, FY2021: 70.73M USDOperating income, FY2022: 108.16M USDOperating income, FY2023: 124.73M USDOperating income, FY2024: 145.32M USDOperating income, FY2025: 140.1M USDNet income, FY2021: 52.94M USDNet income, FY2022: 81.48M USDNet income, FY2023: 87.98M USDNet income, FY2024: 106.43M USDNet income, FY2025: 104.45M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 208.77M USD. Revenue FY2022 285.16M USD. Revenue FY2023 382.48M USD. Revenue FY2024 435.34M USD. Revenue FY2025 455.03M USD. Operating income FY2021 70.73M USD. Operating income FY2022 108.16M USD. Operating income FY2023 124.73M USD. Operating income FY2024 145.32M USD. Operating income FY2025 140.1M USD. Net income FY2021 52.94M USD. Net income FY2022 81.48M USD. Net income FY2023 87.98M USD. Net income FY2024 106.43M USD. Net income FY2025 104.45M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue455.03M USD435.34M USD382.48M USD285.16M USD208.77M USD
Cost of goods sold135.23M USD129.15M USD111.44M USD33.65M USD5.94M USD
Gross profit319.8M USD306.19M USD271.05M USD251.51M USD202.83M USD
Selling, general, and administrative122.17M USD101.21M USD93.97M USD81.68M USD75.61M USD
Operating expenses179.64M USD160.6M USD146.32M USD143.34M USD132.11M USD
Interest income422.23M USD401.3M USD358.08M USD258.49M USD180.53M USD
Interest expense124.45M USD118.87M USD96.77M USD18.65M USD6.22M USD
Depreciation and amortization4.82M USD5.43M USD6.4M USD10.35M USD4.85M USD
Operating income140.1M USD145.32M USD124.73M USD108.16M USD70.73M USD
Net income104.45M USD106.43M USD87.98M USD81.48M USD52.94M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
64%
7 beats, 3 misses, 1 met estimate
Average EPS surprise
+3.53%
11 comparable reports
Latest EPS result
1.1
Estimate 1 · Beat by 10.00%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates1.141.010.890.76Q1 '25BeatQ2 '25MetQ3 '25MissQ4 '25BeatQ1 '26BeatQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 23, 2025: actual 0.9, estimate 0.87, surprise +3.45%, Beat. Q2 2025, reported Apr 24, 2025: actual 0.88, estimate 0.88, surprise 0.00%, Met estimate. Q3 2025, reported Jul 24, 2025: actual 0.88, estimate 0.9, surprise -2.22%, Miss. Q4 2025, reported Oct 23, 2025: actual 0.91, estimate 0.88, surprise +3.41%, Beat. Q1 2026, reported Jan 22, 2026: actual 0.99, estimate 0.91, surprise +8.79%, Beat. Q2 2026, reported Apr 23, 2026: actual 0.8, estimate 0.95, surprise -15.79%, Miss. Q3 2026, reported Jul 23, 2026: actual 1.1, estimate 1, surprise +10.00%, Beat. Q4 2026, reported Oct 22, 2026: actual —, estimate 1.1, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates101.87M92.39M82.92M73.45MQ1 '25MissQ2 '25BeatQ3 '25MissQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 23, 2025: actual 82.58M USD, estimate 82.92M USD, surprise -0.41%, Miss. Q2 2025, reported Apr 24, 2025: actual 79.69M USD, estimate 77.36M USD, surprise +3.00%, Beat. Q3 2025, reported Jul 24, 2025: actual 82.18M USD, estimate 82.52M USD, surprise -0.41%, Miss. Q4 2025, reported Oct 23, 2025: actual 86.41M USD, estimate 83.33M USD, surprise +3.71%, Beat. Q1 2026, reported Jan 22, 2026: actual 87.91M USD, estimate 85.37M USD, surprise +2.97%, Beat. Q2 2026, reported Apr 23, 2026: actual 91.36M USD, estimate 89.76M USD, surprise +1.78%, Beat. Q3 2026, reported Jul 23, 2026: actual 96.1M USD, estimate 92.09M USD, surprise +4.35%, Beat. Q4 2026, reported Oct 22, 2026: actual —, estimate 97.95M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$53.00

8.70% upside
Past 12 months12-month forecastHigh $53.00Average $53.00Low $53.00

Rating distribution

6 ratings
Strong buy00%
Buy583%
Hold117%
Sell00%
Strong sell00%

AMAL news

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$0.56

2025 complete year+75.0% since 2021

2026 partial: $0.51

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Aug 4, 2026

$0.17

Quarterly

Record Aug 4, 2026 · Payment Aug 20, 2026

Dividend

Ex-dividend May 5, 2026

$0.17

Quarterly

Record May 5, 2026 · Payment May 21, 2026

Dividend

Ex-dividend Feb 3, 2026

$0.17

Quarterly

Record Feb 3, 2026 · Payment Feb 19, 2026

Dividend

Ex-dividend Nov 5, 2025

$0.14

Quarterly

Record Nov 5, 2025 · Payment Nov 20, 2025

Dividend

Ex-dividend Aug 5, 2025

$0.14

Quarterly

Record Aug 5, 2025 · Payment Aug 21, 2025

Dividend

Ex-dividend May 6, 2025

$0.14

Quarterly

Record May 6, 2025 · Payment May 22, 2025

AMAL peers

ETFs holding AMAL

Funds reporting this stock among their holdings, ordered by reported position size.

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