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Financial Services - Banks - Regional - NASDAQ - US
$ 30.38
0.673 %
$ 929 M
Market Cap
9.04
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one AMAL stock under the worst case scenario is HIDDEN Compared to the current market price of 30.4 USD, Amalgamated Financial Corp. is HIDDEN

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one AMAL stock under the base case scenario is HIDDEN Compared to the current market price of 30.4 USD, Amalgamated Financial Corp. is HIDDEN

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one AMAL stock under the best case scenario is HIDDEN Compared to the current market price of 30.4 USD, Amalgamated Financial Corp. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart AMAL

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$38.0$38.0$36.0$36.0$34.0$34.0$32.0$32.0$30.0$30.0$28.0$28.0$26.0$26.0$24.0$24.015 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '25
FINANCIALS
316 M REVENUE
15.26%
145 M OPERATING INCOME
0.00%
106 M NET INCOME
20.98%
124 M OPERATING CASH FLOW
5.84%
-316 M INVESTING CASH FLOW
-135.07%
162 M FINANCING CASH FLOW
266.55%
110 M REVENUE
39.78%
37.2 M OPERATING INCOME
3.35%
24.5 M NET INCOME
-12.35%
29 M OPERATING CASH FLOW
-18.93%
55.3 M INVESTING CASH FLOW
170.87%
-173 M FINANCING CASH FLOW
-129.45%
Balance Sheet Amalgamated Financial Corp.
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Current Assets 4.74 B
Cash & Short-Term Investments 4.04 M
Receivables 4.73 B
Other Current Assets 0
Non-Current Assets 86 M
Long-Term Investments 8.48 M
PP&E 20.6 M
Other Non-Current Assets 56.9 M
98.13 %Total Assets$4.8b
Current Liabilities 6.84 B
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 6.84 B
Non-Current Liabilities 334 M
Long-Term Debt 334 M
Other Non-Current Liabilities 0
95.34 %4.66 %Total Liabilities$7.2b
EFFICIENCY
Earnings Waterfall Amalgamated Financial Corp.
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Revenue 316 M
Cost Of Revenue 0
Gross Profit 316 M
Operating Expenses 13.7 M
Operating Income 145 M
Other Expenses 38.9 M
Net Income 106 M
350m350m300m300m250m250m200m200m150m150m100m100m50m50m00316m0316m(14m)145m(39m)106mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
45.92% OPERATING MARGIN
45.92%
33.63% NET MARGIN
33.63%
15.04% ROE
15.04%
1.29% ROA
1.29%
-5.27% ROIC
-5.27%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Amalgamated Financial Corp.
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160m160m140m140m120m120m100m100m80m80m60m60m40m40m20m20m00(20m)(20m)201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 106 M
Depreciation & Amortization 5.43 M
Capital Expenditures 0
Stock-Based Compensation 5.53 M
Change in Working Capital 0
Others -22.9 M
Free Cash Flow 122 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Amalgamated Financial Corp.
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Wall Street analysts predict an average 1-year price target for AMAL of $36.8 , with forecasts ranging from a low of $28 to a high of $42 .
AMAL Lowest Price Target Wall Street Target
28 USD -7.83%
AMAL Average Price Target Wall Street Target
36.8 USD 21.13%
AMAL Highest Price Target Wall Street Target
42 USD 38.25%
Price
Max Price Target
Min Price Target
Average Price Target
4242404038383636343432323030282826262424Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26Jun '26Jun '26
4. DIVIDEND ANALYSIS
0.49% DIVIDEND YIELD
0.14 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.450.450.400.400.350.350.300.300.250.250.200.200.150.150.100.100.050.050.000.000.060.080.080.080.10.10.140.060.080.080.080.10.120.140.060.080.080.10.10.120.060.240.080.320.080.320.080.340.10.400.10.440.120.400.002018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 11
6. Ownership
Insider Ownership Amalgamated Financial Corp.
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Sold
0-3 MONTHS
18.6 K USD 1
3-6 MONTHS
5.4 M USD 7
6-9 MONTHS
56.5 M USD 5
9-12 MONTHS
10.6 M USD 4
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Amalgamated Bank Joins Nearly $1 Billion Aggregate Financing with Greenbacker's 674 MW Cider Solar Farm, Powering New York's Largest Solar Project to Date NEW YORK, June 04, 2025 (GLOBE NEWSWIRE) -- Amalgamated Bank, a subsidiary of Amalgamated Financial Corp. (Nasdaq: AMAL), today announced the successful closing of a $15 million commitment as part of a nearly $1 billion aggregate financing to support the construction and operation of Greenbacker Renewable Energy Company LLC's (“Greenbacker”) utility-scale 674 MWdc (megawatts of direct current) “Cider” solar farm, the largest solar project in New York State. globenewswire.com - 2 weeks ago
Is the Options Market Predicting a Spike in Amalgamated Financial Stock? Investors need to pay close attention to AMAL stock based on the movements in the options market lately. zacks.com - 2 weeks ago
Amalgamated Financial Corp. (AMAL) Q1 2025 Earnings Call Transcript Amalgamated Financial Corp. (NASDAQ:AMAL ) Q1 2025 Earnings Call April 24, 2025 11:00 AM ET Company Participants Jason Darby - Chief Financial Officer Priscilla Brown - President and Chief Executive Officer Sam Brown - Chief Banking Officer Conference Call Participants Mark Fitzgibbon - Piper Sandler Chris O'Connell - KBW Operator Good morning, ladies and gentlemen, and welcome to the Amalgamated Financial First Quarter 2025 Earnings Call. [Operator Instructions] As a reminder, this conference call is being recorded. seekingalpha.com - 1 month ago
Amalgamated Financial (AMAL) Meets Q1 Earnings Estimates Amalgamated Financial (AMAL) came out with quarterly earnings of $0.88 per share, in line with the Zacks Consensus Estimate. This compares to earnings of $0.83 per share a year ago. zacks.com - 1 month ago
Amalgamated Financial Corp. Reports First Quarter 2025 Financial Results; $446 Million Total Deposit Growth; Strong Margin at 3.55% Common Equity Tier 1 Capital Ratio of 14.27% | Tangible Common Equity Ratio of 8.73% Common Equity Tier 1 Capital Ratio of 14.27% | Tangible Common Equity Ratio of 8.73% globenewswire.com - 1 month ago
Amalgamated Financial Corp. Declares Regular Quarterly Dividend NEW YORK, April 22, 2025 (GLOBE NEWSWIRE) -- Amalgamated Financial Corp. (“Amalgamated” or the “Company”) (Nasdaq: AMAL) today announced that its Board of Directors has declared a regular dividend to common stockholders of $0.14 per share, payable by the Company on May 22, 2025, to stockholders of record on May 6, 2025. The amount and timing of any future dividend payments to stockholders will be subject to the discretion of the Board of Directors. globenewswire.com - 1 month ago
Amalgamated Financial (AMAL) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Amalgamated Financial (AMAL) have what it takes? zacks.com - 1 month ago
Amalgamated Financial Corp. Announces First Quarter 2025 Earnings Conference Call NEW YORK, April 14, 2025 (GLOBE NEWSWIRE) -- Amalgamated Financial Corp. (“Amalgamated” or the “Company”) (Nasdaq: AMAL) today announced that its first quarter 2025 financial results will be released before market open on Thursday, April 24, 2025. The Company will host a conference call at 11:00 a.m. Eastern Time on the same day to discuss the financial results. globenewswire.com - 2 months ago
Are You Looking for a High-Growth Dividend Stock? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Amalgamated Financial (AMAL) have what it takes? zacks.com - 2 months ago
Amalgamated Bank Partners with Allectrify to Close First Adjustable-Rate C-PACE Transaction in Oklahoma County OKLAHOMA CITY, April 02, 2025 (GLOBE NEWSWIRE) -- Amalgamated Bank, a subsidiary of Amalgamated Financial Corp. (Nasdaq: AMAL), today announced the successful closing on the first adjustable-rate financing under the Oklahoma County C-PACE Program for the Alley North Office development, using Allectrify's FASTPACE Platform for C-PACE financing. globenewswire.com - 2 months ago
Amalgamated Financial: Margin To Lift Earnings, Buy While Amalgamated Financial's commercial loan segments will suffer because of an uncertain business environment, solar loans will likely continue to surge. The management is planning to fund loan growth by liquidating securities. This will shift the asset mix towards higher-yielding assets, thereby lifting the net interest margin. Due to the withdrawal of political deposits, the funding mix has worsened, which should hurt the margin in 1Q-2025. The situation will improve as political deposits are rebuilt. seekingalpha.com - 2 months ago
Best Value Stocks to Buy for March 17th ENS, AMAL and THFF made it to the Zacks Rank #1 (Strong Buy) value stocks list on March 17, 2025. zacks.com - 3 months ago
8. Profile Summary

Amalgamated Financial Corp. AMAL

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 929 M
Dividend Yield 0.49%
Description 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.
Contact 275 Seventh Avenue, New York City, NY, 10001 https://www.amalgamatedbank.com
IPO Date Aug. 9, 2018
Employees 429
Officers Mr. Sean Searby Executive Vice President & Chief Information and Operations Officer Mr. Tyrone Graham Executive Vice President & Chief Human Resources Officer Ms. Leslie S. Veluswamy Executive Vice President & Chief Accounting Officer Mr. Edgar Romney Jr. Senior Vice President & Chief Strategy and Administrative Officer Ms. Mandy Tenner J.D. Executive Vice President & Chief Legal Officer Mr. Adrian Glace Senior Vice President & Chief Technology Officer Mr. Jason M. Darby CPA Chief Financial Officer & Senior Executive Vice President Ms. Priscilla Sims Brown President, Chief Executive Officer & Director Ms. Eleanor Innes Senior Vice President & Chief Investment Officer Mr. Sam D. Brown Senior EVice President & Chief Banking Officer