AMAL
Amalgamated Financial Corp.
Price Chart
Latest Quote
$40.19
Current Price| Previous Close | $38.84 |
| Open | $39.01 |
| Day High | $40.48 |
| Day Low | $38.68 |
| Volume | 206,353 |
Stock Information
| Quarterly Dividend / Yield | $0.59 / 1.47% |
| Shares Outstanding | 29.82M |
| Total Debt | $81.80M |
| Cash Equivalents | $339.88M |
| Revenue | $305.84M |
| Net Income | $102.30M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $1.20B |
| P/E Ratio | 12.11 |
| EPS (TTM) | $3.32 |
| Exchange | NGM |
📊 Custom Metrics & Score
Score: 20/42| Debt to Equity | 0.47 |
| Debt to Earnings | 2.30 |
| Avg Revenue Growth | 14.06% |
| Profit Margin | 33.63% |
| Return on Equity | 15.04% |
| Avg FCF Growth | 19.87% |
| FCF Yield | 10.16% |
Score Explanation: The perfect score is 42/42 based on debt levels, profitability, growth rates, and cash flow metrics. FCF Yield is weighted most heavily as it shows what return the business currently generates.
Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-02-02 | $40.19 | 221,100 |
| 2026-01-30 | $38.84 | 222,700 |
| 2026-01-29 | $39.06 | 233,500 |
| 2026-01-28 | $37.65 | 198,400 |
| 2026-01-27 | $38.15 | 215,400 |
| 2026-01-26 | $38.21 | 304,400 |
| 2026-01-23 | $38.02 | 222,500 |
| 2026-01-22 | $38.44 | 327,800 |
| 2026-01-21 | $36.03 | 299,100 |
| 2026-01-20 | $33.84 | 151,700 |
| 2026-01-16 | $34.65 | 121,000 |
| 2026-01-15 | $34.79 | 130,000 |
| 2026-01-14 | $33.80 | 104,700 |
| 2026-01-13 | $33.25 | 129,800 |
| 2026-01-12 | $33.97 | 222,900 |
| 2026-01-09 | $33.55 | 131,100 |
| 2026-01-08 | $34.03 | 223,100 |
| 2026-01-07 | $33.52 | 249,700 |
| 2026-01-06 | $33.44 | 181,900 |
| 2026-01-05 | $33.55 | 840,400 |
About Amalgamated Financial Corp.
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 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, time deposits, and certificates of deposit. It also provides residential real estate mortgage, commercial and industrial, commercial real estate, multifamily mortgage, consumer solar, and consumer and other loans. In addition, the company offers online banking, bill payment, online cash management, safe deposit box rentals, debit card, and ATM card services; and trust, custody, and investment management services, including asset safekeeping, corporate actions, income collections, proxy services, account transition, asset transfers, and conversion management; investment products, such as index and actively-managed funds, which include equity, fixed-income, real estate, and alternative investments; and investment, brokerage, asset management, and insurance products. Amalgamated Financial Corp. was founded in 1923 and is headquartered in New York, New York.
📰 Latest News
Is Amalgamated Financial (AMAL) Pricing Reflective Of Its Strong Multi‑Year Share Performance
Simply Wall St. • 2026-02-03T02:13:07Z
1 Bank Stock Worth Your Attention and 2 We Brush Off
StockStory • 2026-01-30T04:37:55Z
5 Must-Read Analyst Questions From Amalgamated Financial’s Q4 Earnings Call
StockStory • 2026-01-29T05:35:08Z
Ares Capital Slips 10.4% in 6 Months: Should You Still Buy the Stock?
Zacks • 2026-01-28T17:10:00Z
Do Options Traders Know Something About Amalgamated Financial Stock We Don't?
Zacks • 2026-01-27T13:43:00Z
Assessing Amalgamated Financial (AMAL) Valuation After A Strong Multi‑Period Share Price Run
Simply Wall St. • 2026-01-26T08:07:31Z
AMAL Q4 Deep Dive: Deposit Growth, Loan Expansion, and Margin Momentum Highlight Quarter
StockStory • 2026-01-23T05:31:42Z
Amalgamated Financial Corp (AMAL) Q4 2025 Earnings Call Highlights: Record Deposit Growth and ...
GuruFocus.com • 2026-01-22T23:00:41Z
Why Are Amalgamated Financial (AMAL) Shares Soaring Today
StockStory • 2026-01-22T19:21:07Z
Amalgamated Financial (AMAL) Earnings Transcript
Motley Fool • 2026-01-22T17:10:07Z
Income Statement (Annual)
Revenue
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Total Revenue | $316,476,000 | $285,715,000 | $266,510,000 | $202,543,000 |
| Operating Revenue | $316,476,000 | $285,715,000 | $266,510,000 | $202,543,000 |
Expenses
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Interest Expense | $118,866,000 | $96,766,000 | $18,649,000 | $6,222,000 |
| Selling And Marketing Expense | $3,731,000 | $4,181,000 | $3,741,000 | $3,230,000 |
| General And Administrative Expense | $97,481,000 | $89,792,000 | $77,940,000 | $72,375,000 |
| Professional Expense And Contract Services Expense | $9,957,000 | $9,637,000 | $10,417,000 | $12,961,000 |
| Other Non Interest Expense | $32,321,000 | $30,314,000 | $30,692,000 | $25,402,000 |
Income & Earnings
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Net Income From Continuing Operation Net Minority Interest | $106,434,000 | $87,978,000 | $81,477,000 | $52,937,000 |
| Net Interest Income | $282,430,000 | $261,311,000 | $239,840,000 | $174,304,000 |
| Interest Income | $401,296,000 | $358,077,000 | $258,489,000 | $180,526,000 |
| Normalized Income | $106,434,000 | $87,978,000 | $81,603,554 | $53,241,640 |
| Net Income From Continuing And Discontinued Operation | $106,434,000 | $87,978,000 | $81,477,000 | $52,937,000 |
| Net Income Common Stockholders | $106,434,000 | $87,978,000 | $81,455,000 | $52,915,000 |
| Net Income | $106,434,000 | $87,978,000 | $81,477,000 | $52,937,000 |
| Net Income Including Noncontrolling Interests | $106,434,000 | $87,978,000 | $81,477,000 | $52,937,000 |
| Net Income Continuous Operations | $106,434,000 | $87,978,000 | $81,477,000 | $52,937,000 |
| Pretax Income | $145,589,000 | $124,730,000 | $108,164,000 | $70,725,000 |
| Depreciation Amortization Depletion Income Statement | $3,201,000 | $3,718,000 | $4,058,000 | $4,264,000 |
| Depreciation And Amortization In Income Statement | $3,201,000 | $3,718,000 | $4,058,000 | $4,264,000 |
| Amortization Of Intangibles Income Statement | $730,000 | $888,000 | $1,046,000 | $1,207,000 |
| Depreciation Income Statement | $2,471,000 | $2,830,000 | $3,012,000 | $3,057,000 |
Per Share Metrics
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Diluted EPS | $3.44 | $2.86 | $2.61 | $1.68 |
| Basic EPS | $3.48 | $2.88 | $2.64 | $1.70 |
Other
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Tax Effect Of Unusual Items | $0 | $0 | $-41,446 | $-102,360 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $0 | $0 | $-168,000 | $-407,000 |
| Total Unusual Items Excluding Goodwill | $0 | $0 | $-168,000 | $-407,000 |
| Reconciled Depreciation | $5,433,000 | $6,397,000 | $10,350,000 | $4,845,000 |
| Diluted Average Shares | $30,926,000 | $30,785,000 | $31,193,000 | $31,512,000 |
| Basic Average Shares | $30,588,000 | $30,555,000 | $30,818,000 | $31,104,000 |
| Diluted NI Availto Com Stockholders | $106,434,000 | $87,978,000 | $81,455,000 | $52,915,000 |
| Tax Provision | $39,155,000 | $36,752,000 | $26,687,000 | $17,788,000 |
| Gain On Sale Of Security | $-9,698,000 | $-7,392,000 | $-3,637,000 | $649,000 |
| Amortization | $730,000 | $888,000 | $1,046,000 | $1,207,000 |
| Selling General And Administration | $101,212,000 | $93,973,000 | $81,681,000 | $75,605,000 |
| Insurance And Claims | $3,715,000 | $4,018,000 | $3,228,000 | $2,531,000 |
| Salaries And Wages | $93,766,000 | $85,774,000 | $74,712,000 | $69,844,000 |
| Occupancy And Equipment | $13,081,000 | $13,605,000 | $13,723,000 | $14,023,000 |
| Preferred Stock Dividends | - | - | $22,000 | $22,000 |
| Other Gand A | - | - | - | $16,042,000 |
Balance Sheet (Annual)
Assets
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Net Tangible Assets | $693,231,000 | $570,078,000 | $492,781,000 | $546,655,000 |
| Total Assets | $8,256,892,000 | $7,972,324,000 | $7,843,124,000 | $7,077,876,000 |
| Goodwill And Other Intangible Assets | $14,423,000 | $15,153,000 | $16,041,000 | $17,087,000 |
| Other Intangible Assets | $1,487,000 | $2,217,000 | $3,105,000 | $4,151,000 |
| Receivables | $61,172,000 | $55,484,000 | $41,441,000 | $28,820,000 |
| Accounts Receivable | $61,172,000 | $55,484,000 | $41,441,000 | $28,820,000 |
| Cash And Cash Equivalents | $60,749,000 | $90,570,000 | $63,540,000 | $330,485,000 |
| Cash Financial | $4,042,000 | $2,856,000 | $5,110,000 | $8,622,000 |
| Cash Cash Equivalents And Federal Funds Sold | $84,490,000 | $140,570,000 | $89,294,000 | $559,503,000 |
Debt
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Net Debt | $253,660,000 | $214,357,000 | $594,168,000 | - |
| Total Debt | $334,143,000 | $335,573,000 | $698,487,000 | $131,991,000 |
| Long Term Debt And Capital Lease Obligation | $334,143,000 | $335,573,000 | $698,487,000 | $131,991,000 |
| Long Term Debt | $314,409,000 | $304,927,000 | $657,708,000 | $83,831,000 |
Liabilities
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Total Liabilities Net Minority Interest | $7,549,238,000 | $7,386,960,000 | $7,334,169,000 | $6,514,001,000 |
Equity
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Common Stock Equity | $707,654,000 | $585,231,000 | $508,822,000 | $563,742,000 |
| Total Equity Gross Minority Interest | $707,654,000 | $585,364,000 | $508,955,000 | $563,875,000 |
| Stockholders Equity | $707,654,000 | $585,231,000 | $508,822,000 | $563,742,000 |
| Gains Losses Not Affecting Retained Earnings | $-58,637,000 | $-86,004,000 | $-108,707,000 | $5,409,000 |
| Other Equity Adjustments | $-58,637,000 | $-86,004,000 | $-108,707,000 | $5,409,000 |
| Retained Earnings | $480,144,000 | $388,033,000 | $330,275,000 | $260,047,000 |
| Long Term Equity Investment | $8,482,000 | $13,024,000 | $8,305,000 | $6,856,000 |
Other
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Treasury Shares Number | $138,502 | $307,782 | - | - |
| Ordinary Shares Number | $30,670,982 | $30,428,359 | $30,700,198 | $31,130,143 |
| Share Issued | $30,809,484 | $30,736,141 | $30,700,198 | $31,130,143 |
| Tangible Book Value | $693,231,000 | $570,078,000 | $492,781,000 | $546,655,000 |
| Invested Capital | $1,022,063,000 | $890,158,000 | $1,166,530,000 | $647,573,000 |
| Capital Lease Obligations | $19,734,000 | $30,646,000 | $40,779,000 | $48,160,000 |
| Total Capitalization | $1,022,063,000 | $890,158,000 | $1,166,530,000 | $647,573,000 |
| Minority Interest | $0 | $133,000 | $133,000 | $133,000 |
| Treasury Stock | $2,817,000 | $5,337,000 | $0 | - |
| Additional Paid In Capital | $288,656,000 | $288,232,000 | $286,947,000 | $297,975,000 |
| Capital Stock | $308,000 | $307,000 | $307,000 | $311,000 |
| Common Stock | $308,000 | $307,000 | $307,000 | $311,000 |
| Long Term Capital Lease Obligation | $19,734,000 | $30,646,000 | $40,779,000 | $48,160,000 |
| Investments And Advances | $3,223,745,000 | $3,192,900,000 | $3,362,082,000 | $2,963,835,000 |
| Held To Maturity Securities | $1,586,205,000 | $1,696,834,000 | $1,541,301,000 | $843,569,000 |
| Goodwill | $12,936,000 | $12,936,000 | $12,936,000 | $12,936,000 |
| Net PPE | $20,617,000 | $28,881,000 | $38,092,000 | $44,850,000 |
| Accumulated Depreciation | $-28,568,000 | $-27,932,000 | $-25,642,000 | $-25,220,000 |
| Gross PPE | $49,185,000 | $56,813,000 | $63,734,000 | $70,070,000 |
| Construction In Progress | $1,064,000 | $323,000 | $561,000 | $0 |
| Other Properties | $14,231,000 | $21,074,000 | $28,236,000 | $33,115,000 |
| Machinery Furniture Equipment | $5,722,000 | $7,266,000 | $6,787,000 | $7,020,000 |
| Buildings And Improvements | $28,168,000 | $28,150,000 | $28,150,000 | $29,935,000 |
| Other Short Term Investments | $1,629,058,000 | $1,483,042,000 | $1,812,476,000 | $2,113,410,000 |
Cash Flow Statement (Annual)
Free Cash Flow
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Free Cash Flow | $122,290,000 | $115,747,000 | $145,654,000 | $68,142,000 |
Operating Activities
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Operating Cash Flow | $124,065,000 | $117,224,000 | $147,322,000 | $70,538,000 |
| Cash Flow From Continuing Operating Activities | $124,065,000 | $117,224,000 | $147,322,000 | $70,538,000 |
| Operating Gains Losses | $18,726,000 | $2,428,000 | $7,020,000 | $-2,686,000 |
Investing Activities
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Capital Expenditure | $-1,775,000 | $-1,477,000 | $-1,668,000 | $-2,396,000 |
| Investing Cash Flow | $-315,947,000 | $-134,407,000 | $-1,202,491,000 | $-865,410,000 |
| Cash Flow From Continuing Investing Activities | $-315,947,000 | $-134,407,000 | $-1,202,491,000 | $-865,410,000 |
| Net Other Investing Changes | $-11,304,000 | $28,167,000 | $-21,515,000 | $3,499,000 |
Financing Activities
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Repurchase Of Capital Stock | $-1,282,000 | $-8,315,000 | $-12,478,000 | $-2,920,000 |
| Financing Cash Flow | $162,061,000 | $44,213,000 | $788,224,000 | $1,086,588,000 |
| Cash Flow From Continuing Financing Activities | $162,061,000 | $44,213,000 | $788,224,000 | $1,086,588,000 |
| Cash Dividends Paid | $-14,234,000 | $-12,333,000 | $-11,211,000 | $-9,978,000 |
| Common Stock Dividend Paid | $-14,234,000 | $-12,333,000 | $-11,211,000 | $-9,978,000 |
| Net Common Stock Issuance | $-1,282,000 | $-8,315,000 | $-12,478,000 | $-2,920,000 |
Other
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Repayment Of Debt | $-5,925,000 | $-351,666,000 | $-5,633,000 | - |
| Issuance Of Debt | $16,325,000 | - | $580,000,000 | - |
| Interest Paid Supplemental Data | $128,780,000 | $85,714,000 | $18,000,000 | $6,039,000 |
| Income Tax Paid Supplemental Data | $30,108,000 | $22,625,000 | $6,646,000 | $5,692,000 |
| End Cash Position | $60,749,000 | $90,570,000 | $63,540,000 | $330,485,000 |
| Beginning Cash Position | $90,570,000 | $63,540,000 | $330,485,000 | $38,769,000 |
| Changes In Cash | $-29,821,000 | $27,030,000 | $-266,945,000 | $291,716,000 |
| Proceeds From Stock Option Exercised | $-1,440,000 | $-424,000 | $-1,236,000 | $-1,889,000 |
| Common Stock Payments | $-1,282,000 | $-8,315,000 | $-12,478,000 | $-2,920,000 |
| Net Issuance Payments Of Debt | $10,400,000 | $-351,666,000 | $574,367,000 | $83,831,000 |
| Net Long Term Debt Issuance | $10,400,000 | $-351,666,000 | $574,367,000 | $83,831,000 |
| Long Term Debt Payments | $-5,925,000 | $-351,666,000 | $-5,633,000 | - |
| Long Term Debt Issuance | $16,325,000 | - | $580,000,000 | - |
| Net Investment Purchase And Sale | $-5,560,000 | $180,360,000 | $-556,299,000 | $-959,819,000 |
| Sale Of Investment | $909,250,000 | $562,068,000 | $714,876,000 | $739,287,000 |
| Purchase Of Investment | $-916,718,000 | $-380,951,000 | $-1,263,816,000 | $-1,699,106,000 |
| Net PPE Purchase And Sale | $-1,775,000 | $-1,477,000 | $-1,668,000 | $-2,396,000 |
| Purchase Of PPE | $-1,775,000 | $-1,477,000 | $-1,668,000 | $-2,396,000 |
| Change In Working Capital | $-26,874,000 | $-4,391,000 | $-1,247,000 | $-10,598,000 |
| Change In Other Working Capital | $-2,498,000 | $-2,269,000 | $-1,973,000 | $-2,122,000 |
| Change In Other Current Liabilities | $-16,248,000 | $181,000 | $-5,767,000 | $-11,071,000 |
| Change In Other Current Assets | $-2,440,000 | $11,740,000 | $19,114,000 | $7,445,000 |
| Change In Receivables | $-5,688,000 | $-14,043,000 | $-12,621,000 | $-4,850,000 |
| Changes In Account Receivables | $-5,688,000 | $-14,043,000 | $-12,621,000 | $-4,850,000 |
| Other Non Cash Items | $-647,000 | $1,211,000 | $17,663,000 | $13,612,000 |
| Stock Based Compensation | $5,534,000 | $4,687,000 | $2,682,000 | $1,796,000 |
| Deferred Tax | $5,175,000 | $4,244,000 | $14,375,000 | $7,050,000 |
| Deferred Income Tax | $5,175,000 | $4,244,000 | $14,375,000 | $7,050,000 |
| Depreciation Amortization Depletion | $5,433,000 | $6,397,000 | $10,350,000 | $4,845,000 |
| Depreciation And Amortization | $5,433,000 | $6,397,000 | $10,350,000 | $4,845,000 |
| Amortization Cash Flow | $730,000 | $888,000 | $1,046,000 | $1,207,000 |
| Amortization Of Intangibles | $730,000 | $888,000 | $1,046,000 | $1,207,000 |
| Depreciation | $4,703,000 | $5,509,000 | $9,304,000 | $3,638,000 |
| Earnings Losses From Equity Investments | $831,000 | $-4,932,000 | $2,773,000 | $-150,000 |
| Gain Loss On Investment Securities | $9,698,000 | $7,392,000 | $3,637,000 | $-649,000 |
| Net Income From Continuing Operations | $106,434,000 | $87,978,000 | $81,477,000 | $52,937,000 |
| Amortization Of Securities | - | $1,203,000 | $4,396,000 | $3,869,000 |
| Change In Payables And Accrued Expense | - | - | - | $-11,071,000 |
| Change In Accrued Expense | - | - | - | $-11,071,000 |