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Company Analysis

Amalgamated Financial Corp. AMAL

A comprehensive view of key metrics, scores, and financial health for Amalgamated Financial Corp.

Overview of Amalgamated Financial Corp.

AMAL NGM
Financial Services Banks - Regional Small Cap
Amalgamated Financial Corp. (AMAL), is a Small Cap company, in the Banks - Regional industry, last closed at $38.10, about 30.7% overvalued vs fair value, +28.3% 1Y return, ranked 516/1004 in sector.
$38.10
0.37%
As of March 13, 2026
Previous close • Vol 90d: 31.6%
52-Week Range
Market Cap
$1.14B
Enterprise Value
$1.12B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.amalgamatedbank.co...
HQ New York, NY
Employees 429
Fiscal year Dec 31

Next Events

Earnings Apr 23 Estimated

Fair Value Snapshot

Bear Base Bull
$15
$26
$49
Current: $38.10 -31% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$401.3M
12.1%%
Interest Expense
$124.4M
Net Interest Income
$282.4M
8.1%%
Total Revenue
$455.0M
43.8%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
15.0%
Excellent

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$15.5M
14.6% of Net Income

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
1
Active Leaks
0/1
Improving
1
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Amalgamated Financial Corp.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
74
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
67
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing AMAL's balance between Growth (23.4%), Profitability (37.1%), and Safety (39.5%). Growth 23% Safety 40% Profitability 37%

Click axes to expand details. Marker shows current allocation.

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Growth

52th percentile vs peers
52
Key Signals
Asset Growth YoY 7.4% 70p Revenue CAGR 3Y 19.5% 53p Rev Growth YoY 43.8% 36p
Strengths
  • Roe in top 20% of peers (16.5%, 94th percentile)
  • Roa in top 20% of peers (1.3%, 82th percentile)
  • Roe in top 20% of peers (16.5%, 94th percentile)
Risks

No significant risks identified for this axis.

Profitability

82th percentile vs peers
83
Key Signals
Strengths
Risks
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Safety

88th percentile vs peers
88
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Amalgamated Financial Corp..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$26.40
- - -
-30.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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