📊 AMAL Key Takeaways
Is Amalgamated Financial Corp. (AMAL) a Good Investment?
Despite exceptional revenue growth of 41.8% YoY and robust free cash flow generation, the company demonstrates critically poor capital efficiency with ROE of 3.1% and ROA of 0.3%. Net income is declining 1.9% YoY despite strong revenue expansion, signaling deteriorating operational fundamentals and rising cost pressures that offset top-line gains.
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.
Amalgamated Financial Corp. Key Strengths (AMAL)
- Exceptional revenue growth of 41.8% year-over-year demonstrates strong market demand and business momentum
- Outstanding free cash flow generation with 46.4% FCF margin and $50.7M operating cash flow indicates highly efficient cash conversion
- Zero long-term debt and conservative balance sheet with no financial leverage risk provides financial stability
- 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
- Critically low ROE of 3.1% and ROA of 0.3% indicate dismal capital efficiency—returns substantially below cost of equity and typical risk-free rates
- Net income declining 1.9% YoY despite 41.8% revenue growth suggests deteriorating operational profitability, rising loan loss provisions, or margin compression from competitive pressures
- Extremely low equity ratio of 8.8% (equity of $807.6M against $9.2B assets) raises financial stability concerns and regulatory capital adequacy questions for a bank
- 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
- Return on Equity trajectory—must improve to 8-10% minimum to demonstrate viable capital deployment
- Net income and net margin trends—monitor whether profitability decline reverses or accelerates
- Regulatory capital ratios and equity cushion—ensure adequate capitalization for operational continuity
- 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 46.4% 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
| Date | Form | Document | Action |
|---|---|---|---|
| May 22, 2026 | 4 | xslF345X06/wk-form4_1779482827.xml | View → |
| May 22, 2026 | 4 | xslF345X06/wk-form4_1779482819.xml | View → |
| May 22, 2026 | 4 | xslF345X06/wk-form4_1779482811.xml | View → |
| May 22, 2026 | 4 | xslF345X06/wk-form4_1779482803.xml | View → |
| May 22, 2026 | 4 | xslF345X06/wk-form4_1779482795.xml | View → |
❓ Frequently Asked Questions about AMAL
What is the AI rating for AMAL?
Amalgamated Financial Corp. (AMAL) has a Combined AI Grade of B from Claude (C) and ChatGPT (A) with 76% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are AMAL's key strengths?
Claude: Exceptional revenue growth of 41.8% year-over-year demonstrates strong market demand and business momentum. Outstanding free cash flow generation with 46.4% FCF margin and $50.7M operating cash flow indicates highly efficient cash conversion. 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: Critically low ROE of 3.1% and ROA of 0.3% indicate dismal capital efficiency—returns substantially below cost of equity and typical risk-free rates. Net income declining 1.9% YoY despite 41.8% revenue growth suggests deteriorating operational profitability, rising loan loss provisions, or margin compression from competitive pressures. 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 $109.3M.
Does AMAL pay dividends?
Amalgamated Financial Corp. pays dividends, with $5.3M 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 $0.84.
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 grade reflects both perspectives for balanced insights.
What is AMAL's fundamental grade?
Based on our AI fundamental analysis in June 2026, Amalgamated Financial Corp. has a B grade with 76% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is AMAL stock overvalued or undervalued?
Valuation metrics for AMAL: ROE of 3.1% (sector avg: 12%), net margin of 23.1% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is AMAL's AI grade for 2026?
Our dual AI analysis gives Amalgamated Financial Corp. a combined B grade 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 $56.8M, with capital expenditures of $6.1M. FCF margin is 46.4%.
How does AMAL compare to other Finance stocks?
Vs Finance sector averages: Net margin 23.1% (avg: 25%), ROE 3.1% (avg: 12%), current ratio N/A (avg: 1.2).