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Earnings transcript
Read the complete earnings call transcript.
AMAL
Amalgamated Financial Corp.
$43.52
0.82
(1.92%)
| Exchange: | NASDAQ |
| Market Cap: | 1.3B |
| Shares Outstanding: | 31.8M |
Delayed data
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., established in New York in 1923, operates as the parent company for Amalgamated Bank. This institution delivers a comprehensive array of financial services, including commercial and retail banking, investment management, and trust and custody solutions, to businesses and individual customers across the United States. Its banking provisions encompass various deposit accounts, from non-interest bearing and interest-bearing checking to savings, money market, and certificates of deposit. On the lending side, Amalgamated extends commercial loans for industrial, multi-family, and general real estate purposes, in addition to retail loans like residential mortgages and consumer credit. Beyond core banking, the company facilitates online banking, bill payment, cash management, and safe deposit box rentals, while also providing debit and ATM cards. Its specialized trust, custody, and investment management operations cover asset safekeeping, corporate action handling, income collection, proxy services, and asset transfers and conversion management. Furthermore, it offers diverse investment products, such as equity, fixed-income, real estate, and alternative investments, alongside brokerage, asset management, and insurance products. Amalgamated Financial Corp. serves its clientele through a digital banking platform and a network of physical offices, including three branches in New York City, one in Washington, D.C., one in San Francisco, and a commercial office in Boston.
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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) | 397,509.892 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 398,570.107 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 398,040 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 141,985.250 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 142,363.945 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 142,174.598 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 136,590.569 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 137,064.622 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 136,827.596 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 110,926.067 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 111,221.923 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 111,073.995 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 4.520 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 4.530 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 4.510 | 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.
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Common questions about AMAL valuation
Is AMAL (AMAL) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for AMAL (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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