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Amalgamated Financial Corp.

AMAL

$50.16 ▼ -0.18 (-0.36%) at close

8 Visible periods

35 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

Amalgamated Financial Corp. shows strong fundamentals with top-quartile Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $1.5B

Dividend Yield —

Revenue Growth 4.1% ↘

Op. Margin None

ROIC None

FCF / Share None

Trailing P/E 14.6x

Price / Book —

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 6, 2026.

8-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$328.72M

↑ +4.1% —

Net Income Profit after all expenses

$104.45M

↓ -1.9% —

Operating Margin Operating profit as % of sales

41.0%

↑ +17.5% —

Long-Term Debt Long-term obligations

$0.00

↓ -100.0% —

trending_up

Bullish Indicators

Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↑

Dividend History

Dividend / share · sourced from SEC filings

$0.32 Latest / share

+23.1% YoY

+130.9% 3-yr CAGR

$0.06

FY 2018

$0.26

FY 2019

$0.32

FY 2020

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Revenue Growth YoY (%)	4.1% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-31%)	8.6% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+43%)	10.2% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+70%)	30.1% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+402%)	-8.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-235%)	12.7% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+111%)	10.0% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+66%)	—
EPS Growth YoY (%)	-1.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	20.8% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	9.1% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	55.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	14.9% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-0.7% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	1.4% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	—
Net Income Growth YoY (%)	-1.9% Weak ↓ Weak Declining Year-over-year change in net income	21.0% Good ↓ Good Declining Year-over-year change in net income	8.0% Fair ↓ Fair Declining Year-over-year change in net income	53.9% Excellent ↑ Excellent Improving Year-over-year change in net income	14.6% Fair ↑ Fair Improving Year-over-year change in net income	-2.1% Weak Weak Year-over-year change in net income	5.7% Fair Fair Year-over-year change in net income	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	7.6% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	15.9% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	9.6% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	10.4% Good Good Compound annual revenue growth over 3 years	4.4% Caution Caution Compound annual revenue growth over 3 years	—	—	—
Revenue CAGR 5Y (%)	8.3% Good ↓ Good Declining Compound annual revenue growth over 5 years	10.0% Good Good Compound annual revenue growth over 5 years	10.3% Good Good Compound annual revenue growth over 5 years	—	—	—	—	—
EPS CAGR 3Y (%)	9.2% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	27.0% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	24.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	21.0% Excellent Excellent Compound annual EPS growth over 3 years	5.0% Caution Caution Compound annual EPS growth over 3 years	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Operating Margin (%) (%)	—	—	—	41.0% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+64%)	34.9% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+40%)	—	—	—
Effective Tax Rate (%) (%)	—	—	—	24.7% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.2% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—
Profit Margin (%) (%)	31.8% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+44%)	33.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+53%)	30.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+38%)	30.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+40%)	26.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+19%)	20.9% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	24.1% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	25.1% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+14%)
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.9% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	—	15.0% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+25%)	15.0% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+25%)	16.0% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+33%)	9.4% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-22%)	8.6% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-28%)	9.6% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-20%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Debt to Equity (x)	—	—	—	—	—	0.00x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.15x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-87%)	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Revenue per Share (USD)	$10.84	$10.32	$9.51	$8.56	$6.52	$7.09	$6.17	$5.86
Basic EPS, GAAP (USD)	$3.44	$3.48	$2.88	$2.64	$1.70	$1.48	$1.49	$1.47
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	—	—	—	—	—	$0.32	$0.26	$0.06
Book Value per Share (USD)	—	$23.07	$19.23	$16.57	$18.11	$17.25	$15.56	—
Tangible Book Value per Share (USD)	—	$22.65	$18.81	$16.15	$17.69	$16.84	$15.15	—
Basic Weighted Avg Shares (shares)	30.33M	30.59M	30.55M	30.82M	31.10M	31.13M	31.73M	30.37M

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	—	—	—	—	—	$0.00	$75.00M	—
Total Equity (USD)	—	$707.65M	$585.23M	$508.82M	$563.74M	$535.69M	$490.41M	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Sales/Revenue/Turnover (USD)	$328.72M	$315.64M	$290.65M	$263.74M	$202.69M	$220.62M	$195.84M	$178.06M
Depreciation Expense (USD)	$6.22M	$4.70M	$3.53M	$3.55M	$3.64M	$6.19M	$4.63M	$4.20M
Net Income, GAAP (USD)	$104.45M	$106.43M	$87.98M	$81.48M	$52.94M	$46.19M	$47.20M	$44.65M
Operating Cash Flow (USD)	$135.78M	$124.06M	$117.22M	$147.32M	$70.54M	$65.77M	$83.46M	$31.02M

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Net Interest Margin (approx.) (%)	3.4%	3.4%	3.3%	3.1%	2.5%	3.0%	3.1%	—
Efficiency Ratio (%) (%)	52.4%	50.6%	52.0%	53.3%	65.2%	60.7%	65.3%	71.9%

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 8 years · 26 quarters

Amalgamated Financial Corp.

Analytical Summary

8-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

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