Amalgamated Financial Corp.
Amalgamated Financial Corp.
Amalgamated Financial Corp. (AMAL) — SEC Financial Statements & Analysis
Amalgamated Financial Corp. (AMAL) files its annual 10-K and quarterly 10-Q reports directly with the SEC. The financial data below is sourced as-filed from EDGAR — balance sheet, income statement, and cash flow as reported, without normalization or third-party adjustments.
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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% | - | - | - | - | - | - | - | - | - | - |
| 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 | - | - | - | - | - | 6.04 | 3.57 | 2.65 | 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 | 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 | |||||||||||||||||
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| Adjusted EPS TTM | |||||||||||||||||
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| 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 | |||||||||||||||||
| Days Inventory Outstanding TTM | |||||||||||||||||
| Days Payables Outstanding TTM | |||||||||||||||||
| Cash Conversion Cycle TTM | |||||||||||||||||
| 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 | |||||||||||||||||
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| Altman E | |||||||||||||||||
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| 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 | |||||||||||||||||
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| Stock Compensation TTM | |||||||||||||||||
| Adjusted Net Income TTM | |||||||||||||||||
| Billings TTM | |||||||||||||||||
| Total Debt | |||||||||||||||||
| Invested Capital | |||||||||||||||||
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