📊 AMAL Key Takeaways
Is Amalgamated Financial Corp. (AMAL) a Good Investment?
Amalgamated Financial Corp demonstrates exceptional financial health with strong revenue growth of 41.8% YoY, robust profitability metrics (24.7% net margin, 13.1% ROE), and fortress-like balance sheet with zero long-term debt. The company generates substantial free cash flow of $134.4M (31.8% FCF margin) with minimal capital requirements, indicating highly efficient operations and strong capital generation capability.
Amalgamated Financial shows solid core fundamentals, with strong profitability for a bank its size, a healthy 13.1% ROE, 1.2% ROA, and very strong free cash generation. The main offset is growth quality: revenue expanded sharply, but net income was flat and diluted EPS slipped slightly, suggesting that higher expenses, funding costs, or credit-related pressures are limiting bottom-line conversion.
Why Buy Amalgamated Financial Corp. Stock? AMAL Key Strengths
- Exceptional revenue growth of 41.8% YoY with net income stable, demonstrating scalability and operational leverage
- Excellent profitability with 24.7% net margin and 25.6% operating margin, among the highest for financial institutions
- Zero long-term debt with $291.2M cash position provides significant financial flexibility and fortress balance sheet
- Outstanding free cash flow generation of $134.4M with 31.8% FCF margin indicates superior capital efficiency
- High ROE of 13.1% demonstrates effective capital deployment for shareholders
- 41 Form 4 insider filings suggest management confidence and active engagement
- Strong profitability profile with 25.6% operating margin and 24.7% net margin
- Healthy balance sheet with no long-term debt and a solid equity base relative to assets
- Robust cash generation, with operating cash flow of $135.78M and free cash flow of $134.40M
AMAL Stock Risks: Amalgamated Financial Corp. Investment Risks
- Net income growth stalled at 0.0% YoY despite 41.8% revenue growth, indicating margin compression or one-time charges that require investigation
- Diluted EPS declined 0.9% YoY, suggesting potential equity dilution or lower earnings attribution per share despite revenue expansion
- Interest coverage ratio of 3.7x is adequate but not exceptional, indicating moderate sensitivity to interest rate changes
- As a state commercial bank, subject to regulatory changes, economic cycles, and potential credit deterioration in loan portfolio
- Limited visibility into loan loss reserves, asset quality composition, and commercial real estate concentration
- Revenue growth is not translating into earnings growth, with net income flat and diluted EPS down year over year
- Bank earnings may face pressure from deposit costs, margin compression, or higher credit provisioning
- Moderate interest coverage of 3.7x leaves less room if earnings weaken or funding costs rise further
Key Metrics to Watch
- Net income growth trajectory and investigation into 0% YoY growth despite strong revenue expansion
- Loan loss reserves and non-performing asset ratios to assess credit quality
- Net interest margin (NIM) trends given interest rate environment and deposit composition
- Return on Assets (ROA) improvement from 1.2% to industry average levels
- Capital adequacy ratios and regulatory compliance metrics
- Insider transaction patterns and volume changes in Form 4 filings
- Net interest margin and deposit/funding cost trends
- Provision for credit losses and nonperforming asset levels
Amalgamated Financial Corp. (AMAL) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 31.8% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
AMAL Profit Margin, ROE & Profitability Analysis
AMAL vs Finance Sector: How Amalgamated Financial Corp. Compares
How Amalgamated Financial Corp. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Amalgamated Financial Corp. Stock Overvalued? AMAL Valuation Analysis 2026
Based on fundamental analysis, Amalgamated Financial Corp. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Amalgamated Financial Corp. Balance Sheet: AMAL Debt, Cash & Liquidity
AMAL Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Amalgamated Financial Corp.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $2.86 reflects profitable operations.
AMAL Revenue Growth, EPS Growth & YoY Performance
Amalgamated Financial Corp. Dividends, Buybacks & Capital Allocation
AMAL SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Amalgamated Financial Corp. (CIK: 0001823608)
📋 Recent SEC Filings
❓ Frequently Asked Questions about AMAL
What is the AI rating for AMAL?
Amalgamated Financial Corp. (AMAL) has a Combined AI Rating of BUY from Claude (STRONG BUY) and ChatGPT (BUY) with 80% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are AMAL's key strengths?
Claude: Exceptional revenue growth of 41.8% YoY with net income stable, demonstrating scalability and operational leverage. Excellent profitability with 24.7% net margin and 25.6% operating margin, among the highest for financial institutions. ChatGPT: Strong profitability profile with 25.6% operating margin and 24.7% net margin. Healthy balance sheet with no long-term debt and a solid equity base relative to assets.
What are the risks of investing in AMAL?
Claude: Net income growth stalled at 0.0% YoY despite 41.8% revenue growth, indicating margin compression or one-time charges that require investigation. Diluted EPS declined 0.9% YoY, suggesting potential equity dilution or lower earnings attribution per share despite revenue expansion. ChatGPT: Revenue growth is not translating into earnings growth, with net income flat and diluted EPS down year over year. Bank earnings may face pressure from deposit costs, margin compression, or higher credit provisioning.
What is AMAL's revenue and growth?
Amalgamated Financial Corp. reported revenue of $422.2M.
Does AMAL pay dividends?
Amalgamated Financial Corp. pays dividends, with $17.2M distributed to shareholders in the trailing twelve months.
Where can I find AMAL SEC filings?
Official SEC filings for Amalgamated Financial Corp. (CIK: 0001823608) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is AMAL's EPS?
Amalgamated Financial Corp. has a diluted EPS of $3.41.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is AMAL a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Amalgamated Financial Corp. has a BUY rating with 80% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is AMAL stock overvalued or undervalued?
Valuation metrics for AMAL: ROE of 13.1% (sector avg: 12%), net margin of 24.7% (sector avg: 25%). Higher ROE suggests strong returns relative to peers.
Should I buy AMAL stock in 2026?
Our dual AI analysis gives Amalgamated Financial Corp. a combined BUY rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is AMAL's free cash flow?
Amalgamated Financial Corp.'s operating cash flow is $135.8M, with capital expenditures of $1.4M. FCF margin is 31.8%.
How does AMAL compare to other Finance stocks?
Vs Finance sector averages: Net margin 24.7% (avg: 25%), ROE 13.1% (avg: 12%), current ratio N/A (avg: 1.2).