AMAL
Amalgamated Financial Corp.
AMAL's fundamentals are mixed, but it looks expensive: trading at 12x earnings, above its usual 9.8x. Analysts expect earnings growth.
AMAL Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
AMAL's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like AMAL.
AMAL PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.7x | $31.28 | -38% |
| Fair | 9.8x | $39.80 | -21% |
| Forward | 11x | $50.08 | — |
| Expensive | 12x | $47.33 | -5.5% |
| Current | 12x | $50.08 | — |
Historical ranges are pointers, not guarantees.
AMAL's PE is in its expensive range at 12x. If earnings grow as analysts expect, today's price would be 11x next year's earnings.
AMAL Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for AMAL, with profitability improving.
AMAL Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.46 | +9.5% |
| Q3 2026 | $4.07 | +23% |
| Q2 2026 | $3.75 | +13% |
| Q1 2026 | $3.44 | +2.4% |
| Q4 2025 | $3.41 | -0.9% |
| Q3 2025 | $3.31 | -2.6% |
| Q2 2025 | $3.33 | +3.1% |
| Q1 2025 | $3.36 | +9.8% |
| Q4 2024 | $3.44 | +20% |
AMAL earned $4.07 per share over the past year, up 23% from the year before.
AMAL Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $101.7M | +19% |
| Q2 2026 | $98.4M | +22% |
| Q1 2026 | $93.4M | +21% |
| Q4 2025 | $85.2M | +9.4% |
| Q3 2025 | $85.6M | +5.6% |
| Q2 2025 | $80.9M | +3.2% |
| Q1 2025 | $77M | -1.6% |
| Q4 2024 | $77.9M | +1.5% |
AMAL's revenue has grown year over year for six quarters in a row: $102M last quarter, up 19% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 48% | +5.5 points |
| Q2 2026 | 47% | +3.6 points |
| Q1 2026 | 36% | -8.7 points |
| Q4 2025 | 39% | -3.4 points |
| Q3 2025 | 43% | -4.3 points |
| Q2 2025 | 44% | -1.8 points |
| Q1 2025 | 45% | -4.1 points |
| Q4 2024 | 42% | -3.5 points |
AMAL's operating margin was 48% last quarter, up 5.5 points from the same quarter a year ago, near the top of its range since 2020.
AMAL Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $33M | -14% |
| Q2 2026 | $19.6M | -24% |
| Q1 2026 | $50.7M | +56% |
| Q4 2025 | $38M | +34% |
| Q3 2025 | $38.3M | +8.8% |
| Q2 2025 | $25.6M | -7.7% |
| Q1 2025 | $32.5M | +4.5% |
| Q4 2024 | $28.3M | +88% |
AMAL's free cash flow was $141M over the past year, up 13% from the year before. Free cash flow isn't a meaningful measure for financial services companies like AMAL.
AMAL Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.2% | +52K shares |
| 1 year | -0.6% | -170K shares |
| 3 years | -1.1% | -349K shares |
| 5 years | -3.9% | -1.2M shares |
AMAL has 30M diluted shares, down 0.6% from a year ago, with $18M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $6.5M |
| Q2 2026 | — |
| Q1 2026 | $2.8M |
| Q4 2025 | $8.7M |
| Q3 2025 | $10.4M |
| Q2 2025 | $9.7M |
| Q1 2025 | $3.5M |
| Q4 2024 | $845,000 |
AMAL spent $18M buying back its own shares over the past year, down 26% from the year before.
AMAL Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.9x | Net Cash |
| Q2 2026 | -0.2x | Net Cash |
| Q1 2026 | -0.3x | Net Cash |
| Q4 2025 | -1.1x | Net Cash |
| Q3 2025 | 0.2x | Very low |
| Q2 2025 | -0.2x | Net Cash |
| Q1 2025 | 0.5x | Very low |
| Q4 2024 | 1.7x | Healthy |
AMAL has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like AMAL.
AMAL Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 62.6 | Neutral |
| Stochastic | 66.4 | Neutral |
AMAL's weekly RSI is 63 (neutral) and its Stochastic is 66 (neutral).
AMAL PE vs Financial Services Sector
| Metric | AMAL | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 5.5% below |
| PE % | 89 | 63 | 26 pts above |
AMAL is trading at 12x earnings, in line with the Financial Services sector's median of 13x.
AMAL Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $48.7 | 2.8% above |
| 20 week MA | $48.6 | 3.1% above |
| 50 week MA | $42.8 | 17% above |
| 100 week MA | $36.5 | 37% above |
| 200 week MA | $30.1 | 66% above |
AMAL is in an uptrend: it's above all five of its weekly moving averages, and 66% above its 200-week average.
AMAL Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $19.6 | $13.6 | -30% |
| 2021 | $13.6 | $16.7 | +22% |
| 2022 | $16.7 | $23.1 | +39% |
| 2023 | $23.1 | $26.9 | +17% |
| 2024 | $26.9 | $33.7 | +25% |
| 2025 | $33.7 | $32.7 | -3% |
| 2026 YTD | $32.7 | $50.1 | +53% |
AMAL has finished higher in four of the last six years. It's up 53% so far in 2026.