Amalgamated Financial Corp. (AMAL)

Amalgamated Financial Statistics

Total Valuation

AMAL has a market cap or net worth of $820.22 million. The enterprise value is $736.00 million.

Market Cap	820.22M
Enterprise Value	736.00M

Important Dates

The last earnings date was Thursday, October 23, 2025, before market open.

Earnings Date	Oct 23, 2025
Ex-Dividend Date	Nov 5, 2025

Share Statistics

AMAL has 30.09 million shares outstanding. The number of shares has decreased by -0.10% in one year.

Current Share Class	30.09M
Shares Outstanding	30.09M
Shares Change (YoY)	-0.10%
Shares Change (QoQ)	-1.13%
Owned by Insiders (%)	1.32%
Owned by Institutions (%)	102.39%
Float	20.88M

Valuation Ratios

The trailing PE ratio is 8.21 and the forward PE ratio is 7.17.

PE Ratio	8.21
Forward PE	7.17
PS Ratio	2.71
Forward PS	2.28
PB Ratio	1.06
P/TBV Ratio	1.08
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	7.19
EV / Sales	2.40
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

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

Financial Efficiency

Return on equity (ROE) is 13.88%.

Return on Equity (ROE)	13.88%
Return on Assets (ROA)	1.20%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$715,413
Profits Per Employee	$238,455
Employee Count	429
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, AMAL has paid $37.64 million in taxes.

Income Tax	37.64M
Effective Tax Rate	26.90%

Stock Price Statistics

The stock price has decreased by -18.68% in the last 52 weeks. The beta is 0.84, so AMAL's price volatility has been lower than the market average.

Beta (5Y)	0.84
52-Week Price Change	-18.68%
50-Day Moving Average	27.82
200-Day Moving Average	30.01
Relative Strength Index (RSI)	49.08
Average Volume (20 Days)	175,024

Short Selling Information

The latest short interest is 1.50 million, so 4.99% of the outstanding shares have been sold short.

Short Interest	1.50M
Short Previous Month	1.50M
Short % of Shares Out	4.99%
Short % of Float	7.19%
Short Ratio (days to cover)	9.53

Income Statement

In the last 12 months, AMAL had revenue of $306.91 million and earned $102.30 million in profits. Earnings per share was $3.32.

Revenue	306.91M
Gross Profit	306.91M
Operating Income	144.10M
Pretax Income	139.94M
Net Income	102.30M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$3.32

Balance Sheet

The company has $174.50 million in cash and $90.28 million in debt, giving a net cash position of $84.22 million or $2.80 per share.

Cash & Cash Equivalents	174.50M
Total Debt	90.28M
Net Cash	84.22M
Net Cash Per Share	$2.80
Equity (Book Value)	775.57M
Book Value Per Share	25.78
Working Capital	-7.54B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	46.95%
Pretax Margin	45.60%
Profit Margin	33.33%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.56, which amounts to a dividend yield of 2.05%.

Dividend Per Share	$0.56
Dividend Yield	2.05%
Dividend Growth (YoY)	21.74%
Years of Dividend Growth	3
Payout Ratio	16.87%
Buyback Yield	0.10%
Shareholder Yield	2.13%
Earnings Yield	12.47%
FCF Yield	n/a

Analyst Forecast

The average price target for AMAL is $33.00, which is 21.06% higher than the current price. The consensus rating is "Hold".

Price Target	$33.00
Price Target Difference	21.06%
Analyst Consensus	Hold
Analyst Count	2
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

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	2