Amalgamated Financial Corp. (AMAL)

Amalgamated Financial Statistics

Total Valuation

AMAL has a market cap or net worth of $1.11 billion. The enterprise value is $868.42 million.

Market Cap	1.11B
Enterprise Value	868.42M

Important Dates

The next estimated earnings date is Thursday, April 23, 2026, before market open.

Earnings Date	Apr 23, 2026
Ex-Dividend Date	Feb 3, 2026

Share Statistics

AMAL has 29.83 million shares outstanding. The number of shares has decreased by -0.99% in one year.

Current Share Class	29.83M
Shares Outstanding	29.83M
Shares Change (YoY)	-0.99%
Shares Change (QoQ)	-0.80%
Owned by Insiders (%)	1.58%
Owned by Institutions (%)	99.87%
Float	20.54M

Valuation Ratios

The trailing PE ratio is 10.89 and the forward PE ratio is 8.99.

PE Ratio	10.89
Forward PE	8.99
PS Ratio	3.61
Forward PS	3.02
PB Ratio	1.42
P/TBV Ratio	1.44
P/FCF Ratio	n/a
P/OCF Ratio	8.30
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	8.31
EV / Sales	2.78
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 13.91%.

Return on Equity (ROE)	13.91%
Return on Assets (ROA)	1.22%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	8.28%
Revenue Per Employee	$694,224
Profits Per Employee	$232,104
Employee Count	450
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, AMAL has paid $35.71 million in taxes.

Income Tax	35.71M
Effective Tax Rate	25.48%

Stock Price Statistics

The stock price has increased by +25.37% 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	+25.37%
50-Day Moving Average	37.35
200-Day Moving Average	31.45
Relative Strength Index (RSI)	40.20
Average Volume (20 Days)	154,657

Short Selling Information

The latest short interest is 1.26 million, so 4.21% of the outstanding shares have been sold short.

Short Interest	1.26M
Short Previous Month	1.09M
Short % of Shares Out	4.21%
Short % of Float	6.11%
Short Ratio (days to cover)	6.67

Income Statement

In the last 12 months, AMAL had revenue of $312.40 million and earned $104.45 million in profits. Earnings per share was $3.41.

Revenue	312.40M
Gross Profit	312.40M
Operating Income	144.50M
Pretax Income	140.16M
Net Income	104.45M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$3.41

Balance Sheet

The company has $340.93 million in cash and $81.80 million in debt, with a net cash position of $259.13 million or $8.69 per share.

Cash & Cash Equivalents	340.93M
Total Debt	81.80M
Net Cash	259.13M
Net Cash Per Share	$8.69
Equity (Book Value)	794.46M
Book Value Per Share	26.64
Working Capital	-7.54B

Cash Flow

Operating Cash Flow	135.78M
Capital Expenditures	-1.38M
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	46.26%
Pretax Margin	44.86%
Profit Margin	33.43%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.68, which amounts to a dividend yield of 1.83%.

Dividend Per Share	$0.68
Dividend Yield	1.83%
Dividend Growth (YoY)	18.00%
Years of Dividend Growth	4
Payout Ratio	17.30%
Buyback Yield	0.99%
Shareholder Yield	2.78%
Earnings Yield	9.26%
FCF Yield	n/a

Analyst Forecast

The average price target for AMAL is $33.50, which is -9.58% lower than the current price. The consensus rating is "Buy".

Price Target	$33.50
Price Target Difference	-9.58%
Analyst Consensus	Buy
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	4