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
3Y-8.0%
5Y+106.0%
10Y+1525.0%
3Y-69.0%
5Y-50.0%
10Y+13.0%
3Y-40.0%
5Y-22.0%
10Y+114.0%
AMAL

Amalgamated Financial Corp. Cash Conversion Engine

AMAL ยท NASDAQ
Net Income104.45M
Depreciation & Amortization6.80M
Stock-Based Compensation6.92M
Change in Working Capital-6.60M
Others22.54M
Capital Expenditures-1.38M
Free Cash Flow134.40M

Cash Flow Quality Analysis

FCF Conversion Rate

128.7%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

1.0%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+9.9%

Steady FCF growth indicates consistent cash generation improvement. On a positive trajectory.

Working Capital Impact

-$6.60M

Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.

Cash Flow Quality Insight

Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.

Amalgamated Financial Corp. Cash Flow Statement

AMAL โ€ข NASDAQ

Amalgamated Financial Corp. Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016
OPERATING ACTIVITIES
104.4M
106.4M
88M
81.5M
52.9M
46.2M
47.2M
44.7M
6.1M
10.6M
6.8M
5.4M
6.4M
10.4M
4.8M
7.6M
6M
5.2M
5M
4.3M
1.7M
5.2M
4.2M
14.4M
7.1M
-407K
5M
4.7M
13.2M
-407K
6.9M
5.5M
4.7M
2.7M
1.8M
2.4M
2.4M
920K
3.7M
0.0
22.5M
28.4M
18.3M
39.7M
14.5M
9.5M
-1.6M
3.8M
13.6M
5.6M
(0.0)
(30.1M)
(22.6M)
(6.6M)
(5.7M)
(9.8M)
(9.3M)
(3.6M)
(1.1M)
(0.0)
-6.6M
-26.9M
-4.4M
-1.2M
-10.6M
514K
24.3M
-28.2M
-13.9M
-9.6M
135.8M
124.1M
117.2M
147.3M
70.5M
65.8M
83.5M
31M
23.9M
8.4M
INVESTING ACTIVITIES
-1.4M
-1.8M
-1.5M
-1.7M
-2.4M
-1.6M
-753K
-1.4M
-1.9M
-12.5M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(31.7M)
(0.0)
-950K
-1.1B
-916.7M
-381M
-1.3B
-1.7B
-970.8M
-770.9M
-597.3M
-419.9M
-430.4M
1B
909.3M
562.1M
714.9M
739.3M
426M
459.8M
382.9M
652.7M
358.6M
-287.3M
-306.7M
-314M
-651.9M
96.8M
-208.7M
-234.1M
-74.2M
-266M
-249.7M
-378M
-315.9M
-134.4M
-1.2B
-865.4M
-755.1M
-545.9M
-258.3M
-35.1M
-335M
FINANCING ACTIVITIES
-33.8M
-1.3M
-8.3M
-12.5M
-2.9M
-7M
-5.8M
-7M
0.0
-2.1M
-244.9M
10.4M
-351.7M
574.4M
83.8M
-75M
-17.9M
-309.7M
-201.6M
-53.2M
-17.2M
-14.2M
-12.3M
-11.2M
-10M
-10M
-8.3M
-1.9M
-394K
(0.0)
-35.2M
-1.3M
-8.3M
-12.5M
-2.9M
-7M
-5.8M
-7M
(0.0)
-2.1M
768.6M
167.2M
416.5M
237.5M
1B
697.6M
536.1M
517.3M
189M
276M
472.7M
162.1M
44.2M
788.2M
1.1B
605.6M
504.1M
191.7M
-13M
220.8M
CASH FLOW SUMMARY
230.5M
-29.8M
27M
-266.9M
291.7M
-83.8M
41.7M
-35.6M
-24.2M
-105.9M
60.7M
90.6M
63.5M
330.5M
38.8M
122.5M
80.8M
116.5M
140.6M
246.5M
291.2M
60.7M
90.6M
63.5M
330.5M
38.8M
122.5M
80.8M
116.5M
140.6M
134.4M
122.3M
115.7M
145.7M
68.1M
64.2M
82.7M
29.6M
22.1M
-4.2M

SEC Filings

AMAL - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 22, 2026
May 20, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 05, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 23, 2026
April 23, 2026
2026
8-K

8-K 2026

N/A

April 21, 2026
April 21, 2026
2026
DEF 14A

DEF 14A 2025

N/A

April 10, 2026
December 31, 2025
2025
10-K

10-K 2025 FY

FY

March 05, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

January 22, 2026
January 22, 2026
2026
8-K

8-K 2026

N/A

January 20, 2026
January 20, 2026
2026
8-K

8-K 2025

N/A

November 10, 2025
November 10, 2025
2025
10-Q

10-Q 2025 Q3

Q3

November 04, 2025
September 30, 2025
2025
Showing 1 to 10 of 115 filings