Amalgamated Financial Corp.
Amalgamated Financial Corp.
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Financial Statements
Values in Millions ($) | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Data beyond 3 years is for subscribers only. Unlock 17+ years of financial data Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Collateralized Traditional Securities | 1,928 | 1,580 | 63 | 167 | 1,546 | 1,477 | 36 | 136 | 1,446 | 1,430 | 612 | 0 | |||||
Property Assessed Clean Energy Assessment Securiti… | 215 | 204 | 30 | 17 | 161 | 152 | 37 | 31 | 82 | 53 | 0 | 1 | |||||
Cash And Due From Banks | 12 | 5 | 5 | 4 | 4 | 4 | 4 | 4 | 4 | 3 | 5 | 4 | |||||
Interest Bearing Deposits In Banks | 168 | 287 | 111 | 167 | 62 | 57 | 145 | 54 | 151 | 88 | 135 | 61 | |||||
Cash And Cash Equivalents At Carrying Value | 180 | 291 | 116 | 171 | 66 | 61 | 149 | 58 | 155 | 91 | 140 | 66 | |||||
Debt Securities | |||||||||||||||||
Debt Securities Available For Sale Excluding Accru… | 2,143 | 1,784 | 1,985 | 1,891 | 1,707 | 1,629 | 1,767 | 1,694 | 1,528 | 1,483 | 1,491 | 1,580 | |||||
Debt Securities Held To Maturity Excluding Accrued… | 1,548 | 1,554 | 1,512 | 1,567 | 1,573 | 1,586 | 1,612 | 1,661 | 1,674 | 1,697 | 1,682 | 1,655 | |||||
Loans Receivable Held For Sale Net Not Part Of Dis… | 0 | 3 | 3 | 3 | 4 | 38 | 39 | 2 | 2 | 2 | 2 | 2 | |||||
Financing Receivable Excluding Accrued Interest Be… | 5,033 | 4,957 | 4,789 | 4,714 | 4,678 | 4,673 | 4,548 | 4,472 | 4,424 | 4,411 | 4,365 | 4,252 | |||||
Assets | |||||||||||||||||
Assets | 9,171 | 8,870 | 8,683 | 8,621 | 8,285 | 8,257 | 8,414 | 8,251 | 8,137 | 7,972 | 7,910 | 7,793 | |||||
Financing Receivable Allowance For Credit Loss Exc… | -68 | -58 | -56 | -59 | -58 | -60 | -61 | -63 | -64 | -66 | -68 | -67 | |||||
Financing Receivable Excluding Accrued Interest Af… | 4,965 | 4,900 | 4,732 | 4,655 | 4,620 | 4,613 | 4,486 | 4,408 | 4,359 | 4,346 | 4,297 | 4,184 | |||||
Securities Purchased Under Agreements To Resell | 66 | 49 | 59 | 57 | 42 | 24 | 75 | 137 | 131 | 50 | 0 | 0 | |||||
Federal Home Loan Bank Stock | 5 | 5 | 5 | 5 | 5 | 16 | 5 | 5 | 5 | 4 | 4 | 4 | |||||
Nontrade Receivables | 56 | 65 | 57 | 56 | 55 | 61 | 54 | 53 | 53 | 55 | 48 | 44 | |||||
Property Plant And Equipment Net | 10 | 5 | 6 | 9 | 7 | 6 | 6 | 7 | 7 | 8 | 8 | 9 | |||||
Bank Owned Life Insurance | 108 | 109 | 108 | 108 | 109 | 108 | 107 | 107 | 106 | 106 | 106 | 106 | |||||
Operating Lease Right Of Use Asset | 9 | 10 | 11 | 11 | 12 | 14 | 16 | 18 | 20 | 21 | 23 | 25 | |||||
Deferred Income Tax Assets Net | 31 | 31 | 28 | 34 | 34 | 42 | 39 | 48 | 49 | 57 | 63 | 63 | |||||
Goodwill | 13 | 13 | 13 | 13 | 13 | 13 | 13 | 13 | 13 | 13 | 13 | 13 | |||||
Other Intangible Assets Net | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 2 | 2 | 3 | |||||
Equity Method Investments | 6 | 8 | 7 | 5 | 6 | 8 | 12 | 13 | 15 | 13 | 12 | 12 | |||||
Other Assets | 29 | 44 | 40 | 35 | 32 | 36 | 32 | 26 | 17 | 25 | 17 | 27 | |||||
Deposits | 8,178 | 7,949 | 7,770 | 7,733 | 7,412 | 7,181 | 7,595 | 7,449 | 7,306 | 7,012 | 6,991 | 6,895 | |||||
Subordinated Debt | - | - | - | - | - | - | - | 68 | 71 | 71 | 70 | 74 | |||||
Liabilities | |||||||||||||||||
Federal Home Loan Bank Advances Long Term | - | - | - | - | - | - | - | - | - | - | 4 | 0 | |||||
Liabilities | 8,363 | 8,075 | 7,907 | 7,867 | 7,549 | 7,549 | 7,715 | 7,605 | 7,520 | 7,387 | 7,363 | 7,264 | |||||
Other Borrowings | 70 | 70 | 75 | 75 | 70 | 314 | 68 | 9 | 69 | 305 | 230 | 230 | |||||
Operating Lease Liability | 12 | 12 | 15 | 15 | 17 | 20 | 22 | 25 | 27 | 31 | 33 | 36 | |||||
Other Liabilities | 104 | 44 | 47 | 43 | 50 | 34 | 30 | 54 | 47 | 39 | 35 | 30 | |||||
Common Stock Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Additional Paid In Capital | 294 | 294 | 292 | 290 | 289 | 289 | 287 | 286 | 287 | 288 | 288 | 287 | |||||
Stockholders Equity | |||||||||||||||||
Retained Earnings Accumulated Deficit | 587 | 567 | 545 | 522 | 501 | 480 | 459 | 435 | 412 | 388 | 368 | 349 | |||||
Stockholders Equity | 808 | 794 | 776 | 754 | 736 | 708 | 698 | 646 | 617 | 585 | 546 | 529 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -37 | -32 | -35 | -43 | -47 | -59 | -47 | -74 | -79 | -86 | -105 | -105 | |||||
Treasury Stock Common Value | -38 | -35 | -26 | -16 | -6 | -3 | -2 | -2 | -4 | -5 | -5 | -3 | |||||
Minority Interest | - | - | - | - | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Liabilities And Stockholders Equity | 9,171 | 8,870 | 8,683 | 8,621 | 8,285 | 8,257 | 8,414 | 8,251 | 8,137 | 7,972 | 7,910 | 7,793 | |||||
Commercial Traditional Securities | - | - | - | - | - | - | - | - | - | - | 0 | - | |||||
Debt Securities Held To Maturity Allowance For Cre… | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
Common Stock Par Or Stated Value Per Share | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | |||||
Common Stock Shares Authorized | 70 | 70 | 70 | 70 | 70 | 70 | 70 | 70 | 70 | 70 | 70 | 70 | |||||
Common Stock Shares Issued | 31 | 31 | 31 | 31 | 31 | 31 | 31 | 31 | 31 | 31 | 31 | 31 | |||||
Shares Outstanding | 30 | 30 | 30 | 30 | 31 | 31 | 31 | 31 | 31 | 30 | 30 | 31 | |||||
Treasury Stock Common Shares | 1 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 0.31% | 13.54% | 19.56% | - | - | - | - | - | - | - | - | - |
| 2025 | 2.61% | 7.13% | 2.07% | 4.90% | 0.54% | 2.83% | 7.67% | 19.99% | 39.47% | -1.48% | 5.11% | 7.64% |
| 2024 | 0.64% | 9.08% | 28.22% | 17.19% | 9.17% | 19.93% | 6.84% | 1.11% | 5.88% | -3.92% | -6.39% | -0.53% |
| 2023 | 4.45% | 8.42% | 34.30% | -11.32% | -11.88% | -18.00% | 6.76% | 39.03% | 32.01% | 1.27% | 3.80% | 7.26% |
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Performance and Valuation Metrics
Metrics | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Data beyond 3 years is for subscribers only. Unlock 17+ years of financial data Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | -0.55 | -0.53 | -0.52 | -0.51 | -0.50 | -0.16 | 0.32 | 1.01 | 2.24 | 2.29 | 2.53 | 3.20 | |||||
Per Share Metrics | |||||||||||||||||
| Diluted EPS TTM | 3.47 | 3.41 | 3.36 | 3.36 | 3.37 | 3.44 | 3.39 | 3.21 | 3.05 | 2.86 | 2.94 | 2.95 | |||||
| Free Cash Flow Per Share TTM | 5.01 | 4.33 | 4.08 | 3.93 | 4.03 | 4.00 | 3.56 | 3.71 | 3.68 | 3.79 | 5.04 | 4.56 | |||||
| Dividend Per Share TTM | 0.61 | 0.57 | 0.55 | 0.53 | 0.50 | 0.47 | 0.44 | 0.42 | 0.41 | 0.40 | 0.41 | 0.41 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | 71.34% | 70.53% | 70.28% | 70.38% | 70.35% | 70.38% | 65.62% | 65.42% | 66.04% | 68.05% | 76.72% | 82.83% | |||||
| Operating Profit Margin TTM | 32.37% | 33.19% | 33.56% | 34.49% | 35.01% | 36.28% | 37.43% | 36.72% | 36.30% | 34.83% | 35.55% | 37.77% | |||||
| Net Profit Margin TTM | 24.29% | 24.74% | 24.53% | 25.22% | 25.73% | 26.52% | 26.51% | 25.84% | 25.37% | 24.57% | 26.43% | 28.32% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | 6.37% | 5.22% | 5.64% | 7.07% | 9.45% | 12.07% | 15.87% | 19.64% | 26.32% | 38.53% | 48.86% | 57.88% | |||||
| Net Income Growth (1Y) | 0.41% | -1.87% | -2.23% | 4.49% | 11.00% | 20.98% | 16.20% | 9.18% | 5.91% | 7.98% | 23.95% | 41.43% | |||||
| EPS Growth (1Y) | 3.33% | -1.03% | -0.71% | 4.47% | 10.25% | 20.85% | 15.58% | 9.42% | 6.71% | 8.91% | 24.73% | 42.34% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 11.03 | 9.22 | 7.90 | 9.05 | 8.27 | 9.36 | 8.91 | 8.16 | 7.49 | 8.96 | 5.55 | 5.15 | |||||
| P/B TTM | 1.43 | 1.21 | 1.04 | 1.24 | 1.17 | 1.41 | 1.33 | 1.25 | 1.14 | 1.35 | 0.91 | 0.88 | |||||
| P/S TTM | 2.68 | 2.28 | 1.94 | 2.28 | 2.13 | 2.48 | 2.36 | 2.11 | 1.90 | 2.20 | 1.47 | 1.46 | |||||
| Market Cap | 1.15B | 963.24M | 808.24M | 936.01M | 861.91M | 996.37M | 932.22M | 808.22M | 702.86M | 787.92M | 499.84M | 466.76M | |||||
| Enterprise Value | 974.32M | 1.02B | 692.70M | 764.94M | 796.20M | 935.62M | 783.01M | 750.23M | 547.66M | 697.35M | 359.62M | 401.04M | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 149.51M | 131.27M | 123.25M | 120.14M | 123.70M | 122.29M | 109.08M | 113.31M | 112.21M | 115.75M | 153.58M | 139.76M | |||||
| Net Debt | -179.73M | 61.11M | -115.54M | -171.07M | -65.71M | -60.75M | -149.21M | -57.99M | -155.20M | -90.57M | -140.22M | -65.72M | |||||
Per-Share and Margin | |||||||||||||||||
| EPS TTM | |||||||||||||||||
| Adjusted EPS TTM | |||||||||||||||||
| Cash Flow Per Share TTM | |||||||||||||||||
| Pretax Margin TTM | |||||||||||||||||
| Stock Comp to Revenue TTM | |||||||||||||||||
Turnover Ratios and Averages | |||||||||||||||||
| Average Assets | |||||||||||||||||
| Average Equity | |||||||||||||||||
| Average Inventory | |||||||||||||||||
| Average Receivables | |||||||||||||||||
| Average Accounts Payables | |||||||||||||||||
| Inventory Turnover TTM | |||||||||||||||||
| Payables Turnover TTM | |||||||||||||||||
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| Days Payables Outstanding TTM | |||||||||||||||||
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| Working Capital to Revenue | |||||||||||||||||
| Deferred Revenue to Revenue | |||||||||||||||||
Growth Rates | |||||||||||||||||
| Total Assets Growth (1Y) | |||||||||||||||||
| Total Assets Growth (3Y) | |||||||||||||||||
| Total Assets Growth (5Y) | |||||||||||||||||
| Dividends Paid Growth (1Y) | |||||||||||||||||
| Dividends Paid Growth (3Y) | |||||||||||||||||
| Dividends Paid Growth (5Y) | |||||||||||||||||
| EPS Growth (3Y) | |||||||||||||||||
| EPS Growth (5Y) | |||||||||||||||||
| Net Income Growth (3Y) | |||||||||||||||||
| Net Income Growth (5Y) | |||||||||||||||||
| Net Profit Margin Growth (1Y) | |||||||||||||||||
| Net Profit Margin Growth (3Y) | |||||||||||||||||
| Net Profit Margin Growth (5Y) | |||||||||||||||||
| Net Revenue Growth (3Y) | |||||||||||||||||
| Net Revenue Growth (5Y) | |||||||||||||||||
| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
| Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to Equity | |||||||||||||||||
| Altman A | |||||||||||||||||
| Altman B | |||||||||||||||||
| Altman C | |||||||||||||||||
| Altman D | |||||||||||||||||
| Altman E | |||||||||||||||||
| Altman Z-Score | |||||||||||||||||
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| ROE TTM | |||||||||||||||||
| NOPAT TTM | |||||||||||||||||
| ROIC TTM | |||||||||||||||||
| Effective Tax Rate TTM | |||||||||||||||||
| Payout Ratio TTM | |||||||||||||||||
| Dilution Ratio | |||||||||||||||||
| Retained Earnings to Equity | |||||||||||||||||
| Treasury Stock to Equity | |||||||||||||||||
| Treasury Stock Change (1Y) | |||||||||||||||||
| Accrued to Current Liabilities | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
| P/CF TTM | |||||||||||||||||
| Dividend Yield TTM | |||||||||||||||||
| Free Cash Flow Yield TTM | |||||||||||||||||
| EV EBITDA TTM | |||||||||||||||||
| EV EBIT TTM | |||||||||||||||||
| Stock Compensation TTM | |||||||||||||||||
| Adjusted Net Income TTM | |||||||||||||||||
| Billings TTM | |||||||||||||||||
| Total Debt | |||||||||||||||||
| Invested Capital | |||||||||||||||||
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Insider Transactions
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Institutional Ownership
Amalgamated Financial Corp. (AMAL) — SEC Financial Statements & Analysis
Amalgamated Financial Corp. (AMAL) is a state commercial banks company, incorporated in DE. Amalgamated Financial Corp. trades on Nasdaq as: AMAL. Based on its latest SEC filing (Form 10-Q, period ending 2026-03-31), Amalgamated Financial Corp. reported a 6.37% year-over-year revenue growth, a Gross Profit Margin of 71.34% (TTM), a Price-to-Sales (P/S) ratio of 2.68x (TTM), a Price-to-Book (P/B) ratio of 1.43 (TTM), at a market cap of $1.15B. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- 6.37%
- Gross Profit Margin TTM
- 71.34%
- P/S TTM
- 2.68x
- P/B TTM
- 1.43
- Market Cap
- $1.15B
Data as of 2026-03-31 · Source: SEC EDGAR
Frequently Asked Questions
What industry is Amalgamated Financial Corp. in?
Amalgamated Financial Corp. (AMAL) operates in the State Commercial Banks industry.
What is AMAL's market cap?
Amalgamated Financial Corp. (AMAL) has a market capitalization of $1.15B as of 2026-03-31.
What is AMAL's P/E ratio?
Amalgamated Financial Corp. (AMAL)'s trailing twelve month P/E ratio is 11.03x as of 2026-03-31.
What exchange does AMAL trade on?
Amalgamated Financial Corp. (AMAL) trades on the Nasdaq.
Where is Amalgamated Financial Corp. incorporated?
Amalgamated Financial Corp. is incorporated in DE.