Amalgamated Financial Corp. (AMAL)

Amalgamated Financial Statistics

Total Valuation

AMAL has a market cap or net worth of $1.03 billion. The enterprise value is $895.96 million.

Market Cap	1.03B
Enterprise Value	895.96M

Important Dates

The next estimated earnings date is Thursday, January 23, 2025, before market open.

Earnings Date	Jan 23, 2025
Ex-Dividend Date	Nov 5, 2024

Share Statistics

AMAL has 30.67 million shares outstanding. The number of shares has increased by 0.17% in one year.

Current Share Class	30.67M
Shares Outstanding	30.67M
Shares Change (YoY)	+0.17%
Shares Change (QoQ)	+0.26%
Owned by Insiders (%)	0.98%
Owned by Institutions (%)	95.47%
Float	21.54M

Valuation Ratios

The trailing PE ratio is 9.92 and the forward PE ratio is 9.88.

PE Ratio	9.92
Forward PE	9.88
PS Ratio	3.39
Forward PS	3.10
PB Ratio	1.48
P/TBV Ratio	1.51
P/FCF Ratio	9.46
P/OCF Ratio	9.35
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	8.56
EV / Sales	2.96
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	8.21

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	0.83
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 16.81%.

Return on Equity (ROE)	16.81%
Return on Assets (ROA)	1.28%
Return on Capital (ROIC)	n/a
Revenue Per Employee	$713,016
Profits Per Employee	$246,207
Employee Count	425
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, AMAL has paid $43.11 million in taxes.

Income Tax	43.11M
Effective Tax Rate	29.18%

Stock Price Statistics

The stock price has increased by +25.24% in the last 52 weeks. The beta is 0.91, so AMAL's price volatility has been similar to the market average.

Beta (5Y)	0.91
52-Week Price Change	+25.24%
50-Day Moving Average	34.98
200-Day Moving Average	29.14
Relative Strength Index (RSI)	39.26
Average Volume (20 Days)	163,300

Short Selling Information

The latest short interest is 828,060, so 2.70% of the outstanding shares have been sold short.

Short Interest	828,060
Short Previous Month	796,231
Short % of Shares Out	2.70%
Short % of Float	3.84%
Short Ratio (days to cover)	3.75

Income Statement

In the last 12 months, AMAL had revenue of $303.03 million and earned $104.64 million in profits. Earnings per share was $3.39.

Revenue	303.03M
Gross Profit	303.03M
Operating Income	151.42M
Pretax Income	140.67M
Net Income	104.64M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$3.39

Balance Sheet

The company has $226.48 million in cash and $90.73 million in debt, giving a net cash position of $135.76 million or $4.43 per share.

Cash & Cash Equivalents	226.48M
Total Debt	90.73M
Net Cash	135.76M
Net Cash Per Share	$4.43
Equity (Book Value)	698.33M
Book Value Per Share	22.77
Working Capital	-7.28B

Cash Flow

In the last 12 months, operating cash flow was $110.38 million and capital expenditures -$1.30 million, giving a free cash flow of $109.08 million.

Operating Cash Flow	110.38M
Capital Expenditures	-1.30M
Free Cash Flow	109.08M
FCF Per Share	$3.56

Margins

Gross Margin	n/a
Operating Margin	49.97%
Pretax Margin	48.76%
Profit Margin	34.53%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	36.00%

Dividends & Yields

This stock pays an annual dividend of $0.48, which amounts to a dividend yield of 1.43%.

Dividend Per Share	$0.48
Dividend Yield	1.43%
Dividend Growth (YoY)	15.00%
Years of Dividend Growth	2
Payout Ratio	14.16%
Buyback Yield	-0.17%
Shareholder Yield	1.25%
Earnings Yield	10.14%
FCF Yield	10.57%

Analyst Forecast

The average price target for AMAL is $37.13, which is 10.38% higher than the current price. The consensus rating is "Buy".

Price Target	$37.13
Price Target Difference	10.38%
Analyst Consensus	Buy
Analyst Count	4
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Splits

The last stock split was on July 30, 2018. It was a forward split with a ratio of 20:1.

Last Split Date	Jul 30, 2018
Split Type	Forward
Split Ratio	20:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4