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Stock Amalgamated Financial Corp. AMAL

Amalgamated Financial Corp. — Investlytic score 4/5 on the five criteria.

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80/ 100
Score Investlytic · 5 criteria

Analysis in progress…

Investlytic score: 4/5 criteria met. Data as of 04/11/2026.

  • ✅ Price trend passed
  • ✅ Growth passed
  • ✅ Debt passed
  • ✅ P/E passed
  • ❌ Correction failed

Price trend

Overall trend (8 years): the price has been multiplied by at least 1.5.

Price change 2018 → 2019: -0.26%

Price change 2019 → 2020: -29.36%

Price change 2020 → 2021: 22.05%

Price change 2021 → 2022: 37.39%

Price change 2022 → 2023: 16.93%

Price change 2023 → 2024: 24.24%

Price change 2024 → 2025: -4.30%

Price change 2025 → 2026: 55.76%

Price change 2026 (year to date): 56.20%

Financial growth

Revenue CAGR (8 years): 13.09%

Earnings CAGR (8 years): 12.91%

Growth status: positive trend (>1%/yr) in revenue and earnings.

Debt

Debt-to-equity ratio: 0.12

Debt/equity < 0.5 (maximum threshold).

P/E (Price/Earnings)

P/E ratio: 12.38

P/E < 25.0 (maximum threshold).

Correction (6 months)

Current correction: 2.99% from the high over 6 months.

Insufficient correction (< 10.0%).

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Criteria of the Investlytic model

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Price trend

Price & trend

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⚖️ Comparison with the market

All stocks →
StockP/EDette/FPRevenue growthRating
Amalgamated Financial Corp.12.40.12+13.8 %🔒
Coface S.A.10.91.06+0.8 %–
Orient Corporation11.28.28+0.7 %–
Eurazeo SE–0.20−14.3 %–
Wendel–1.89+2.4 %–

Data from the Investlytic screener. The rating of the stock being viewed is reserved for members.

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Detailed analysis · Price trend

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Global model trend and annual price variations · visible with a free account.

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Revenues & profits

Revenue and net income

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Chart of revenues and net income over 8 periods · real data, no estimates.

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Financial indicators

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18 financial indicators analyzed by groups of criteria: valuation, profitability, growth, solidity, dividend, and momentum.

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Annual financial statements

Fiscal yearRevenueNet income Net marginEPSRevenue growth
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Complete annual financial statements: revenue, net income, margin, and EPS over 8 fiscal years.

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Key reported figures

Revenue, net income and net margin reported by Amalgamated Financial Corp. over the latest fiscal years.

Revenue
455 m USD
fiscal year 2025
Net income
104 m USD
fiscal year 2025
Net margin
22.9 %
fiscal year 2025
Average annual growth
+15.3 %
Revenue growth over 5 years
Average annual growth
+13.8 %
Revenue growth over 10 years
Market cap
1.5 bn USD
Fiscal yearRevenueNet incomeNet marginRevenue growth
2020224 m46.2 m20.6 %n/a
2021209 m52.9 m25.4 %-6.7 %
2022285 m81.5 m28.6 %+36.6 %
2023382 m88.0 m23.0 %+34.1 %
2024435 m106 m24.4 %+13.8 %
2025455 m104 m22.9 %+4.5 %

Amounts converted to USD. Source: published annual accounts, collected on 30/10/2026.

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Accounts and financial health

Balance sheet and cash flow published by Amalgamated Financial Corp. over the last fiscal years, strength scores and valuation by discounted cash flow (DCF).

Overview
solid accounts
according to Altman Z, Piotroski and net debt
Altman Z-score
n/a
not applicable to banks and insurance
Piotroski Score
8 / 9
7 to 9: solid accounts
DCF Value
29.97 USD
DCF below share price · share price 50.06 USD, gap -40.1 %
Net Debt / EBITDA
0.75 x
low debt
Fiscal year20212022202320242025
Cash and investments2.4 bn1.9 bn1.6 bn1.7 bn53.2 m
Total Debt132 m698 m336 m334 m94.1 m
Net Debt-198 m635 m245 m273 m89.6 m
Equity564 m509 m585 m708 m794 m
Total assets7.1 bn7.8 bn8.0 bn8.3 bn8.9 bn
Operating cash flow70.5 m147 m117 m124 m136 m
Investments (capex)2.4 m1.7 m1.5 m1.8 m1.4 m
Free cash-flow68.1 m146 m116 m122 m134 m
Share buybacks2.9 m12.5 m8.3 m1.3 m35.2 m
Dividends paid10.0 m11.2 m12.3 m14.2 m17.2 m

Amounts in USD, currency of the published accounts.

Trailing 12-month ratios

Price / earnings (P/E)12.15 x
Price / book value1.79 x
Return on Equity (ROE)15.1 %
Return on Invested Capital (ROIC)1.3 %
Net margin24.6 %
Debt / equity0.16 x
Current ratio0.00 x
Interest coverage1.34 x
Free cash-flow yield9.6 %

Altman Z: default risk estimated from the balance sheet and earnings. Piotroski: 9 tests on profitability, debt and efficiency. DCF: estimated value from discounted future cash flows, a model and not a forecast. Source: annual accounts published by the company, data as of 03/11/2026.

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Valuation and competitors

Amalgamated Financial Corp. compared with its sector on the same exchange and with its main competitors.

Company P/E
12.4
38.8 % below the sector
Sector median P/E
20.3
financial services, Nasdaq
Sector over 10 years
23.2
10-year median, range 16.2 to 40.5

Direct competitors

CompanyMarket cap (USD)P/ENet margin
Amalgamated Financial Corp.1.5 bn12.422.9 %
BankUnited, Inc. BKU3.1 bn11.812.5 %
ACNB Corporation ACNB665 m11.721.8 %
C&F Financial Corporation CFFI357 m12.614.4 %
Bar Harbor Bankshares BHB678 m11.715.2 %
Financial Institutions, Inc. FISI776 m10.219.8 %
FB Financial Corporation FBK2.7 bn11.914.0 %
United Community Banks, Inc. UCB4.4 bn13.021.4 %
Metropolitan Bank Holding Corp. MCB1.2 bn9.713.5 %
Sector median (Nasdaq)20.3

Trailing 12-month P/E. Sector: median of companies in the same sector listed on the same exchange, collected on 02/11/2026. Competitors: comparable companies named by the data provider.

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Analyst consensus and forecasts

What the financial analysts covering Amalgamated Financial Corp. publish: ratings, price targets and earnings forecasts.

Majority rating
buy
6 analysts

Breakdown of ratings

strong buy 0buy 4hold 2sell 0strong sell 0

Price targets: published for companies listed in the United States only.

Track record against expectations: reported EPS above consensus 8 times over the last 12 releases.

Source: ratings and forecasts published by analysts, collected on 03/11/2026. An analyst rating or target is not a guarantee.

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Dividends and earnings

Amalgamated Financial Corp.: dividend history, last distributions, stock splits and earnings releases.

Frequency
quarterly
Last dividend
0.170 USD
ex-dividend on 03/11/2026
Last 12 months
0.820 USD
number of payments: 5
Yield
1.8 %
on the last known price
Years of increases
5
consecutive
Years of payments
8
uninterrupted
00.170.340.510.682018 : 0.0600 USD20182019 : 0.260 USD20192020 : 0.320 USD20202021 : 0.320 USD20212022 : 0.360 USD20222023 : 0.400 USD20232024 : 0.460 USD20242025 : 0.560 USD20252026 : 0.680 USD2026

Annual dividend per share (USD), adjusted for splits. Light bar: current year, incomplete. Red bar: lower than the previous year.

Latest ex-dividend dates

Ex-dividendAmountPayment
03/11/20260.170 USD19/11/2026
04/08/20260.170 USD20/08/2026
05/05/20260.170 USD21/05/2026
03/02/20260.170 USD19/02/2026
05/11/20250.140 USD20/11/2025
05/08/20250.140 USD21/08/2025
06/05/20250.140 USD22/05/2025
11/02/20250.140 USD27/02/2025

Earnings releases

DatePublished EPSExpected EPSSurprise
22/10/20261.141.08+5.6 %
23/07/20261.101.00+10.0 %
23/04/20260.800.95-15.8 %
22/01/20260.990.91+8.8 %
23/10/20250.910.88+3.4 %
24/07/20250.880.90-2.2 %

Stock splits

DateOperation
01/08/2018split: 20 shares for 1

Factual data: ex-dividend history and earnings calendar, as of 03/11/2026. A past dividend does not guarantee the next one.

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Who owns the stock

Free float, institutional investors, large funds, executives and elected officials: declared positions in Amalgamated Financial Corp.

Free float
62.6 %
share of freely traded shares
Large funds tracked
21
hold the stock as of 2026Q2
Executives (insiders)
0 / 26
0 purchases, 26 sales in 130 days

Large funds tracked

FundSharesValue (USD)Weight in the fundChangeQuarter
BlackRock3.4 m156 m0.0 %-1.8 %2026Q2
State Street1.4 m64.3 m0.0 %+87.0 %2026Q2
Vanguard Group1.4 m45.9 m0.0 %+3.5 %2025Q4
Adage Capital Partners575,01626.4 m0.0 %-31.6 %2026Q2
Geode Capital Management536,59524.6 m0.0 %-6.0 %2026Q2
T. Rowe Price222,63510.2 m0.0 %+23.4 %2026Q2
Northern Trust205,3989.4 m0.0 %-7.3 %2026Q2
Goldman Sachs179,3728.2 m0.0 %-3.2 %2026Q2

Latest insider transactions

DatePersonSideAmount
01/10/2026Brown Sam D.sale6,886 USD
15/09/2026Searby Seansale158,231 USD
14/09/2026Western States Regional Joint Board, Workers Unitedsale3.9 m USD
14/09/2026Western States Regional Joint Board, Workers Unitedsale2.4 m USD
14/09/2026Western States Regional Joint Board, Workers Unitedsale4.6 m USD
11/09/2026Western States Regional Joint Board, Workers Unitedsale3.8 m USD

Sources: 13F filings (quarter shown), executives' Form 4 filings and US Congress members' disclosures, collected on 03/11/2026. Detailed disclosure obligations mainly apply to companies listed in the United States.

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PEA and practical information

PEA eligibility
no
head office outside the EU and EEA
Listing exchange
Nasdaq
IPO: 09/08/2018
ISIN code
US0226711010
Workforce
429
full-time employees
Chief executive
Priscilla Sims Brown

Rule applied: the French PEA accepts shares of companies headquartered in the European Union or the European Economic Area and subject to corporate income tax; ADRs and tax-exempt property companies (SIIC) are excluded. The institution holding the PEA confirms eligibility.

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Frequently asked questions about Amalgamated Financial Corp.

What is the Amalgamated Financial Corp. share price?

Latest recorded price: 50.06 USD on 30/10/2026, for a market cap of 1.5 bn USD.

What is the revenue of Amalgamated Financial Corp.?

455 m USD for fiscal year 2025, with net income of 104 m USD (net margin 22.9 %).

Does Amalgamated Financial Corp. pay a dividend?

Yes. Latest dividend: 0.170 USD per share, ex-dividend on 03/11/2026. Over 12 months: 0.820 USD. Yield on the latest known price: 1.8 %.

What do analysts say about Amalgamated Financial Corp.?

Out of 6 analysts: 4 buy or strong buy, 2 hold, 0 sell or strong sell.

What is the P/E ratio of Amalgamated Financial Corp.?

Trailing 12-month P/E of 12.4, against 20.3 for the sector median on the same exchange (10-year median: 23.2).

Is Amalgamated Financial Corp. stock eligible for the French PEA?

No: the company is headquartered outside the European Union and the European Economic Area (ISIN US0226711010).

How many employees does Amalgamated Financial Corp. have?

429 full-time employees according to the latest published profile.

Who runs Amalgamated Financial Corp.?

Priscilla Sims Brown is the company's chief executive.

Which large funds own Amalgamated Financial Corp.?

As of 2026Q2, among the large funds tracked: BlackRock, State Street, Vanguard Group, Adage Capital Partners, Geode Capital Management.

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