Loading…
Amalgamated Financial Corp.
NASDAQ: AMAL Financials Bank 🔎 Screen
🏹 Trader: ⭐ All Three 🚀 Stage 2 + Near High 📈 Stage 2 🎯 Near 52W High 📊 High Volume | BRS 81 Ready View all →
📈 Stage 2 detected Find the fundamental catalyst → → run Growth Triggers in Ask AI
$1.4B
Market Cap
9.4
P/E
1.01
PEG
ROCE
13.9%
ROE
0.10
D/E
OPM
-6.5%
% from 52W High
85
α RS
🔍 AMAL is showing a high-conviction setup because it matches 4 of 39 tracked screener presets, RS Rating is 85, and it's within 6.5% of its 52-week high. Net: Broad signal stack, not a recommendation. ? Conviction RS Rating 52W High
Sources
Conviction 4/39 · RS Rating 85 · 6.5% from 52W high
⚖️ Compare 🔒 Generate Report 🔒 Research Packet 📚 Guides
🌏 Global Investor Returns
Currency-adjusted total returns for AMAL including FX impact
🌏
Click 🌏 Returns tab to load data
📈 Price History
Ratio Health
Excellent
Good
Average
Poor
By Category
📊 Sector Averages
About

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 in the United States. It accepts various deposit products, including non-interest-bearing accounts, interest-bearing demand products, savings accounts, money market accounts, NOW accounts, time deposits, and certificates of deposit. The company also provides commercial and industrial, multifamily mortgage, commercial real estate, residential real estate mortgage, consumer solar, and consumer and other loans. In addition, it offers online banking, bill payment, online cash management, safe deposit box rentals, debit card, and ATM card services; and trust, custody, and investment management services, including asset safekeeping, corporate actions, income collections, proxy services, account transition, asset transfers, and conversion management. Further, the company provides investment products, such as index and actively-managed funds, which include equity, fixed-income, real estate, and alternative investments; and investment, brokerage, asset management, and insurance products, as well as lending services. Amalgamated Financial Corp. was founded in 1923 and is headquartered in New York, New York.

Key Ratios Snapshot
📈 Growth Pattern
📊 Quick Scorecard
Loading…
⭐ Superinvestors Holding AMAL
View All Superinvestors →
Manager Shares Value % of Fund Period
Steve Cohen Point72 Asset Management 63.2K $2.5M 0.00% Mar 2026

SEC Form 13F data. 45-day lag from quarter end.

🔒
Premium Feature
AI-generated 10-section company profile — business model, financials, strengths, risks & management quality
Upgrade to Premium
Already a member? Log in
📐
3-Statement Financial Model
Bear / Base / Bull projections · DCF fair value · Reverse-DCF
Open Model →
📊 MIXED Amalgamated Financial Q1 2026: Net revenue $93.4M, NII $80.2M, NIM 3.75%.
Revenue & Profitability
Net revenue grew 9.7% to $93.4 million. Net interest income increased 3% sequentially to $80.2 million. GAAP net income was $25.2 million ($0.84 EPS); core net income was $24.1 million ($0.80 EPS), with the GAAP-to-core difference driven by off-balance-sheet ICS income. The quarter included a $9.2 million provision tied to a single multifamily borrower, which reduced EPS by $0.23. The company raised full-year NII guidance to $333 million and core pre-tax pre-provision earnings to $183 million.
Outlook
Management is optimistic about industry demand, citing strong mission-aligned demand across C&I, commercial real estate, and multifamily lending. The midterm election cycle is driving political deposit growth, and the bank expects continued momentum. Management raised 2026 balance sheet growth guidance to approximately 8% (from 5%) and expects net interest income to ramp through the year, with Q2 NII guided to $81–$83 million.
Growth Drivers
Key growth levers include: (1) political deposits, which grew $133 million to $1.9 billion; (2) labor franchise deposits up $106 million; (3) not-for-profit deposits up $115 million; (4) loan growth in C&I, CRE, and multifamily, which grew $109 million or 3.3% in total; and (5) the PACE portfolio (C-PACE partnership with Allectrify), which expanded $15.8 million to $1.3 billion. The bank targets 1.5%–2% sequential net loan growth.
Balance Sheet & CapEx
Not discussed in this earnings call.
Margins
Net interest margin expanded 9 basis points to 3.75% in Q1 2026, driven by higher-yielding commercial loan originations and modest funding cost reductions. Management expects NIM to moderately decline in Q2 2026 due to balance sheet growth, then expand modestly thereafter. The core efficiency ratio improved to 49.55% (core expenses $45.3 million), on track to the full-year core expense target of $188 million and demonstrating operating leverage.
Key Risks
The primary risk flagged is a single borrower multifamily relationship in the D.C. market that moved to non-accrual during Q1, requiring a $9.2 million provision increase (total reserves on the relationship now $11.1 million). The bank is evaluating resolution options including foreclosure or note sales. Non-performing assets rose to $99.3 million (1.08% of total assets). Management views this as an isolated, borrower-specific event and does not expect broader portfolio weakness.
Generated by AI · Q1 2026 results · Not investment advice
🔒
Free Account Required

Create a free Finmagine account to access Finmagine™ Scorecard.

See how this company scores across 5 dimensions — Financial Health, Growth Prospects, Competitive Position, Management Quality, and Valuation — powered by 30+ computed ratios.

Create Free AccountLog In
🔒
Premium Feature

Upgrade to Finmagine Premium to unlock Ask AI.

Get 25 expert AI analysis templates — Business KPIs, Comprehensive, Forensic Governance, Peer Comparison, Risk-Reward, Full Research Report, IPO Decoder, Red Flag Detector, and more — ready to paste into ChatGPT, Claude, Gemini, or Perplexity.

Upgrade to PremiumCreate Free Account
🔒
Premium Feature

Upgrade to Finmagine Premium to unlock Peer Comparison.

Compare this company side-by-side against its sector peers with financial metrics, ratio benchmarking, and relative performance across all key dimensions.

Upgrade to PremiumCreate Free Account
✓ 📞 Earnings Call Transcripts (5 quarters) submit a missing quarter
🔍
🔎 See cross-company document search → ?
📞 Earnings Call Transcripts (5)
Q2 2026 Q2 2026 2026-07-23
Record net income and profitability metrics were achieved, prompting raised full-year guidance. Deposit and loan growth remained robust, with continued investments in technology and scalability. Margin is expected to moderate in the second half, with growth resuming in 2027.
Q1 2026 Q1 2026 2026-04-23
Net revenue grew 9.7% to $93.4 million, with strong deposit and loan growth across core segments. Despite a $9.2 million reserve for a single borrower default, core EPS was $0.80 and guidance for 2026 was raised, reflecting confidence in continued growth and risk management.
Q4 2025 Q4 2025 2026-01-22
Q4 2025 saw record deposit and loan growth, margin expansion, and strong profitability, with broad-based deposit gains and robust multifamily and PACE lending. 2026 guidance targets double-digit revenue and earnings growth, continued margin expansion, and increased shareholder returns.
Q3 2025 Q3 2025 2025-10-23
Core EPS grew to $0.91 in Q3, with strong deposit and loan growth, improved credit quality, and robust segment performance. Guidance for 2025 was raised, and digital modernization is driving operational gains.
Q2 2025 Q2 2025 2025-07-24
Q2 2025 saw strong core EPS, robust deposit and loan growth, and recognition as a top-performing bank. Guidance for 2025 is maintained, with continued investment in digital and talent to drive future growth. Credit quality remains well-managed despite isolated stress in consumer solar.
🔒
Premium Feature

Upgrade to Finmagine Premium to unlock Catalyst Timeline.

Every result, order win, insider trade, ECS update, earnings-call, and SEC announcement for this company — in one chronological lane.

Upgrade to PremiumCreate Free Account
🔒
Premium Feature

Upgrade to Finmagine Premium to unlock Full Report.

Read the complete Finmagine™ investment research report — comprehensive fundamental analysis, business model assessment, competitive positioning, and investment recommendation.

Upgrade to PremiumCreate Free Account

📊 Analysis Methodology

This comprehensive investment analysis was conducted using The Finmagine™ Stock Analysis & Ranking Methodology, a proprietary framework that systematically evaluates stocks across five critical dimensions: Financial Health, Growth Prospects, Competitive Positioning, Management Quality, and Valuation.

🎯
Discover Our Proven Investment Framework Learn how we analyze and rank stocks using advanced quantitative models, multi-dimensional scoring systems, and dynamic discriminatory ranking techniques that have guided successful investment decisions across market cycles.
📊 Explore The Finmagine™ Methodology

A comprehensive, bias-free framework for analyzing and ranking stocks by Financial Strength, Growth Potential, Competitive Edge, Management Quality, and Value.

Financial Model
Projections are built from each company's audited annual financials (Income Statement, Balance Sheet, Cash Flow) over the last 5 fiscal years. Forward assumptions — revenue growth %, EBITDA margin, D&A (USD millions), interest expense, tax rate, and capex — are AI-generated using historical context and refreshed twice a year: after the December results season and after the September/Q4 results season.

DCF Valuation
Fair Value = Σ(FCFt / (1+WACC)t) + Terminal Value. Terminal Value uses the Gordon Growth Model: FCF5 × (1+g) / (WACC−g). Default WACC: 10% (US risk-free ~4.5%, equity risk premium ~5.5%). Default terminal growth: 3% (long-run US nominal GDP proxy).

CAGR Tracker
Expected 5-year CAGR = (DCF Fair Value / Current Price)1/5 − 1. Assumes fair value is reached in exactly 5 years — a mechanical estimate only.

Data Sources & Limitations
Financial statements sourced from public filings. Prices updated daily. Forward assumptions are AI-generated. All monetary values in USD millions. Non-US ADR companies may have currency conversion inaccuracies. Models are point-in-time and do not update intra-quarter or account for M&A, macro shocks, or extraordinary items.

⚠️ Important Disclaimers — Please read without fail.

Investment Risk:
Investing in securities, including US equities and ETFs, involves inherent risks including the potential loss of principal. All investments are subject to market fluctuations, economic conditions, regulatory changes, and other factors that may affect their value. Past performance is not indicative of future results. This analysis is provided for informational and educational purposes only and should not be construed as investment advice under any circumstances.

No Investment Recommendation:
This analysis does not constitute, nor should it be interpreted as, an offer, solicitation, or recommendation to buy, sell, or hold any securities or financial products. Investors are strongly advised to conduct their own independent research and due diligence and to consult with a licensed financial advisor or an SEC-registered investment adviser before making any investment decisions, taking into account their individual financial situation, risk tolerance, and investment objectives.

Not SEC-Registered:
Finmagine is not registered as an investment adviser with the U.S. Securities and Exchange Commission (SEC) or any state securities authority. Nothing on this platform constitutes investment advice as defined under the Investment Advisers Act of 1940.

Conflict of Interest Disclosure:
The author and/or analyst may currently hold or have previously held positions in the securities discussed. Any such positions are not intended to influence the objectivity or independence of the analysis. This research is produced independently and is not sponsored, endorsed, or commissioned by any company or institution.

Information Sources:
The analysis is based on publicly available information including SEC filings (10-K, 10-Q), annual reports, management commentary, and publicly available financial data. Information is believed to be accurate as of the date of publication but may be subject to change without notice. Readers are encouraged to independently verify all information before acting upon it.

Forward-Looking Statements:
This analysis may contain forward-looking statements, forecasts, or projections that are inherently subject to risks, uncertainties, and assumptions. Actual results may differ materially from those expressed or implied. Finmagine does not undertake any obligation to update such statements in the future.

Limitation of Liability:
The content is provided "as is" without any warranties, express or implied. Finmagine expressly disclaims any liability for errors, omissions, or any losses incurred as a result of reliance on the information provided. Readers assume full responsibility for their investment decisions.