Amalgamated Financial Corp. (AMAL)

Amalgamated Financial Statistics

Total Valuation

AMAL has a market cap or net worth of $958.38 million. The enterprise value is $935.77 million.

Market Cap	958.38M
Enterprise Value	935.77M

Important Dates

The last earnings date was Thursday, April 24, 2025, before market open.

Earnings Date	Apr 24, 2025
Ex-Dividend Date	May 6, 2025

Share Statistics

AMAL has 30.59 million shares outstanding. The number of shares has increased by 0.83% in one year.

Current Share Class	30.59M
Shares Outstanding	30.59M
Shares Change (YoY)	+0.83%
Shares Change (QoQ)	-0.10%
Owned by Insiders (%)	1.15%
Owned by Institutions (%)	102.93%
Float	20.72M

Valuation Ratios

The trailing PE ratio is 9.32 and the forward PE ratio is 8.42.

PE Ratio	9.32
Forward PE	8.42
PS Ratio	3.16
Forward PS	2.71
PB Ratio	1.31
P/TBV Ratio	1.33
P/FCF Ratio	7.75
P/OCF Ratio	7.55
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	8.98
EV / Sales	3.08
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	7.57

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	0.70
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 15.41%.

Return on Equity (ROE)	15.41%
Return on Assets (ROA)	1.27%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$708,555
Profits Per Employee	$242,921
Employee Count	429
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, AMAL has paid $37.59 million in taxes.

Income Tax	37.59M
Effective Tax Rate	26.51%

Stock Price Statistics

The stock price has increased by +22.57% in the last 52 weeks. The beta is 0.85, so AMAL's price volatility has been lower than the market average.

Beta (5Y)	0.85
52-Week Price Change	+22.57%
50-Day Moving Average	28.56
200-Day Moving Average	32.09
Relative Strength Index (RSI)	69.31
Average Volume (20 Days)	177,391

Short Selling Information

The latest short interest is 1.42 million, so 4.66% of the outstanding shares have been sold short.

Short Interest	1.42M
Short Previous Month	1.48M
Short % of Shares Out	4.66%
Short % of Float	6.87%
Short Ratio (days to cover)	5.88

Income Statement

In the last 12 months, AMAL had revenue of $303.97 million and earned $104.21 million in profits. Earnings per share was $3.36.

Revenue	303.97M
Gross Profit	303.97M
Operating Income	144.96M
Pretax Income	140.67M
Net Income	104.21M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$3.36

Balance Sheet

The company has $109.47 million in cash and $86.87 million in debt, giving a net cash position of $22.60 million or $0.74 per share.

Cash & Cash Equivalents	109.47M
Total Debt	86.87M
Net Cash	22.60M
Net Cash Per Share	$0.74
Equity (Book Value)	736.00M
Book Value Per Share	23.98
Working Capital	-7.26B

Cash Flow

In the last 12 months, operating cash flow was $127.02 million and capital expenditures -$3.32 million, giving a free cash flow of $123.70 million.

Operating Cash Flow	127.02M
Capital Expenditures	-3.32M
Free Cash Flow	123.70M
FCF Per Share	$4.04

Margins

Gross Margin	n/a
Operating Margin	47.69%
Pretax Margin	46.65%
Profit Margin	34.28%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	40.69%

Dividends & Yields

This stock pays an annual dividend of $0.56, which amounts to a dividend yield of 1.79%.

Dividend Per Share	$0.56
Dividend Yield	1.79%
Dividend Growth (YoY)	23.81%
Years of Dividend Growth	3
Payout Ratio	16.67%
Buyback Yield	-0.83%
Shareholder Yield	0.96%
Earnings Yield	10.87%
FCF Yield	12.91%

Analyst Forecast

The average price target for AMAL is $36.50, which is 16.50% higher than the current price. The consensus rating is "Buy".

Price Target	$36.50
Price Target Difference	16.50%
Analyst Consensus	Buy
Analyst Count	3
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Splits

The last stock split was on July 30, 2018. It was a forward split with a ratio of 20:1.

Last Split Date	Jul 30, 2018
Split Type	Forward
Split Ratio	20:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4