Amalgamated Financial Corp. (AMAL)

Amalgamated Financial Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	123.06	104.45	106.43	87.98	81.48	52.94
Depreciation & Amortization	6.92	6.8	5.43	6.4	10.35	4.85
Other Amortization	-	-	-	-	-	2.74
Gain (Loss) on Sale of Assets	-	-	-	-	0.17	0.41
Gain (Loss) on Sale of Investments	1.77	3.43	9.7	7.39	3.62	3.22
Provision for Credit Losses	27.08	16.32	10.28	14.67	15	-0.29
Net Decrease (Increase) in Loans Originated / Sold - Operating	1.55	-1.11	0.43	3.24	20.02	10.73
Accrued Interest Receivable	-7.47	-3.96	-5.69	-14.04	-12.62	-4.85
Change in Other Net Operating Assets	6.84	-2.64	-21.19	9.65	11.37	-5.75
Other Operating Activities	-4.41	1.12	4.1	2.21	11.86	6.78
Operating Cash Flow	165.81	135.78	124.07	117.22	147.32	70.54
Operating Cash Flow Growth	29.90%	9.44%	5.84%	-20.43%	108.85%	7.25%

Investing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Capital Expenditures	-24.48	-1.38	-1.78	-1.48	-1.67	-2.4
Sale of Property, Plant and Equipment	-	0.05	-	-	-	-
Investment in Securities	-457.01	-95.85	-5.56	180.36	-556.3	-959.82
Income (Loss) Equity Investments	-1.2	1.73	0.83	-4.93	2.77	-0.15
Net Decrease (Increase) in Loans Originated / Sold - Investing	-429.29	-293.73	-297.31	-341.46	-623.01	93.31
Other Investing Activities	2.76	12.89	-11.3	28.17	-21.65	1.22
Investing Cash Flow	-908.02	-378.02	-315.95	-134.41	-1,202	-865.41

Financing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Short-Term Debt Issued	-	-	16.33	-	580	-
Long-Term Debt Issued	-	-	-	-	-	83.83
Total Debt Issued	0.16	-	16.33	-	580	83.83
Short-Term Debt Repaid	-	-244.95	-	-345.62	-	-
Long-Term Debt Repaid	-	-	-5.93	-6.05	-5.63	-
Total Debt Repaid	-15.88	-244.95	-5.93	-351.67	-5.63	-
Net Debt Issued (Repaid)	-15.71	-244.95	10.4	-351.67	574.37	83.83
Issuance of Common Stock	1.45	1.39	0.79	0.8	0.67	-
Repurchase of Common Stock	-21.38	-35.17	-3.51	-9.54	-14.38	-4.81
Common Dividends Paid	-19.65	-17.2	-14.23	-12.33	-11.21	-9.98
Total Dividends Paid	-19.65	-17.2	-14.23	-12.33	-11.21	-9.98
Net Increase (Decrease) in Deposit Accounts	944.47	768.64	168.62	416.95	238.78	1,018
Financing Cash Flow	889.18	472.71	162.06	44.21	788.22	1,087

Net Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Cash Flow	146.98	230.47	-29.82	27.03	-266.95	291.72

Free Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	141.34	134.4	122.29	115.75	145.65	68.14
Free Cash Flow Growth	13.37%	9.90%	5.65%	-20.53%	113.75%	6.21%
Free Cash Flow Margin	40.20%	43.02%	40.19%	42.16%	58.70%	33.57%
Free Cash Flow Per Share	4.67	4.39	3.95	3.76	4.67	2.16

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash Interest Paid	122.01	124.39	128.78	85.71	18	6.04
Cash Income Tax Paid	22.9	19.99	34	22.63	6.65	5.69

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 8, 2026

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