Amalgamated Financial Corp.

Amalgamated Financial Corp.

AMALยทNASDAQ

$40.74

-3.5%
Financial ServicesBanks - Regional

Amalgamated Financial Corp. operates as the bank holding company for Amalgamated Bank that provides commercial and retail banking, investment management, and trust and custody services for commercial and retail customers in the United States. The company accepts various deposit products, including non-interest bearing accounts, interest-bearing demand products, savings accounts, money market accounts, NOW accounts, and certificates of deposit. It also provides various commercial loans comprising commercial and industrial, multifamily mortgage, and commercial real estate loans; and retail loans, such as residential real estate, and consumer and other loans. In addition, the company offers online banking, bill payment, online cash management, and safe deposit box rental services; debit and ATM cards; and trust, custody, and investment management services comprising asset safekeeping, corporate actions, income collections, proxy, account transition, asset transfers, and conversion management services. Further, it provides investment products, such as equity, fixed-income, real estate, and alternative investment products; and brokerage, asset management, and insurance products. The company operates through its three branch offices across New York City, one branch office in Washington, D.C., one branch office in San Francisco, one commercial office in Boston, and digital banking platform. Amalgamated Financial Corp. was founded in 1923 and is headquartered in New York, New York.

At a Glance

Live Snapshot
Market Cap$1.22B
EPS3.4500
P/E Ratio11.81
Earnings Date07/23/2026
Amalgamated Financial Corp.

Amalgamated Financial Corp. Fair Value Envelope

AMAL ยท NASDAQ

Our analysis suggests that AMAL has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $40.74, this represents a potential HIDDEN relative to our calculated worth for Amalgamated Financial Corp..

Intrinsic Value
Current Price: $40.74

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$4.2B
+ Cash & Equivalents$4.5M
Firm Value$4.2B
- Debt$94.1M
Equity Value$4.1B
/ Shares Outstanding29,936,320B
DCF Value$139
UNDERVALUED BY 240%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$149.2M
$164.0M
$180.3M
$198.1M
$217.7M
$239.3M
$263.0M
$289.1M
$317.7M
$349.2M
Maintenance CapEx
-$303.1K
-$333.1K
-$366.1K
-$402.4K
-$442.3K
-$486.1K
-$534.2K
-$587.1K
-$645.3K
-$709.2K
Owner Earnings
$148.9M
$163.7M
$179.9M
$197.7M
$217.3M
$238.8M
$262.5M
$288.5M
$317.0M
$348.4M
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$137.9M
$140.3M
$142.8M
$145.3M
$147.9M
$150.5M
$153.2M
$155.9M
$158.6M
$161.4M
Terminal Value represents 64.7% of Enterprise Value