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Earnings transcript
Read the complete earnings call transcript.
AMAL
Amalgamated Financial Corp.
$39.4
0.32
(0.82%)
| Exchange: | NASDAQ |
| Market Cap: | 1.179B |
| Shares Outstanding: | 31.8M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Priscilla Sims Brown | |||||
| Full Time Employees: | 429 | |||||
| Address: |
| |||||
| Website: | https://www.amalgamatedbank.com |
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 for commercial and retail customers 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, and certificates of deposit. It also provides various commercial loans comprising commercial and industrial, multifamily mortgage, and commercial real estate loans; and retail loans, such as residential real estate, and consumer and other loans. In addition, the company offers online banking, bill payment, online cash management, and safe deposit box rental services; debit and ATM cards; and trust, custody, and investment management services comprising asset safekeeping, corporate actions, income collections, proxy, account transition, asset transfers, and conversion management services. Further, it provides investment products, such as equity, fixed-income, real estate, and alternative investment products; and brokerage, asset management, and insurance products. The company operates through its three branch offices across New York City, one branch office in Washington, D.C., one branch office in San Francisco, one commercial office in Boston, and digital banking platform. Amalgamated Financial Corp. was founded in 1923 and is headquartered in New York, New York.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 382,481 | 435,342 | 455,029 |
| Gross Profit | 271,045 | 306,192 | 319,797 |
| EBITDA | 131,127 | 151,022 | 144,974 |
| Operating Income | 124,730 | 145,320 | 140,103 |
| Net Income | 87,978 | 106,434 | 104,446 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 7,972,324 | 8,256,892 | 8,869,836 |
| Total Liabilities | 7,386,960 | 7,549,238 | 8,075,372 |
| Total Stockholders Equity | 585,231 | 707,654 | 794,464 |
| Total Debt | 335,573 | 334,143 | 94,057 |
| Cash and Cash Equivalents | 90,170 | 60,749 | 0 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 117,224 | 124,065 | 135,782 |
| Capital Expenditure | -1,477 | -1,775 | 0 |
| Free Cash Flow | 115,747 | 122,290 | 135,782 |
| Net Income | 87,978 | 106,434 | 104,447 |
| Net Change in Cash | 27,030 | -29,821 | -2,562 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2027 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 394,707 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 394,707 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 394,707 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 140,984.095 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 140,984.095 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 140,984.095 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 137,281.669 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 137,281.669 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 137,281.669 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 110,143.914 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 110,143.914 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 110,143.914 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 4.540 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 4.540 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 4.540 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 1 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 1 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Financial Performance: Amalgamated Financial Corporation reported strong results in Q3 2025, as highlighted in the earnings call transcript, with key financial metrics such as revenue, net income, and operating income showing positive trends. This performance underscores the company’s ability to generate consistent returns, supported by robust operating cash flow and free cash flow figures from the cash flow statements.
- Strong Profitability Metrics: The company exhibits healthy profitability with competitive gross profit margin and net profit margin (TTM) as per the key metrics data. This indicates efficient cost management and operational effectiveness compared to industry peers.
- Stable Dividend Yield: AMAL offers a reliable dividend yield (TTM), as noted in the key metrics, providing an attractive return to income-focused investors in a potentially volatile market environment.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates AMAL intrinsic value between $38.62 – $58.17 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about AMAL valuation
Is Amalgamated Financial Corp. (AMAL) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Amalgamated Financial Corp. (AMAL) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is AMAL a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether AMAL trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is AMAL’s P/E ratio?
You can see AMAL’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for AMAL?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is AMAL a good long-term investment?
Whether AMAL fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
AMAL
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Daily snapshot
0.82
Trading Metrics:
| Open: | 38.43 | Previous Close: | 39.08 | |
| Day Low: | 38.27 | Day High: | 39.54 | |
| Year Low: | 25.03 | Year High: | 42.66 | |
| Price Avg 50: | 39.03 | Price Avg 200: | 32.16 | |
| Volume: | 110622 | Average Volume: | 164103 |
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Login — it's freeAMAL full analysis
Welcome to MARKETSNAP’s SWOT analysis for Amalgamated Financial Corporation, also known by its ticker AMAL. If you’re a long-term investor looking to build wealth with smart picks, you’re in the right place. Today, we’re diving deep into this financial services player to uncover what makes it tick, where it shines, and where the risks lurk. Let’s break it down together and see if this stock deserves a spot in your portfolio. First, let’s get to know Amalgamated Financial Corporation a…
