Amalgamated Financial Corp.

AMAL | NASDAQ

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$48.02

+$0.62 (+1.31%)

At close: Sep 21, 2026, 4:00 PM ET

$48.47

+$0.45 (+0.93%)

Pre-market: Sep 22, 2026, 4:02 AM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $1.42B

Enterprise Value $1.51B

Beta 0.78

Average Volume 153.7K

Shares Outstanding (Diluted) 30.19M

Shares Change YoY -1.85%

Institutional Ownership 60.47%

Exchange NASDAQ

ISIN US0226711010

Price Performance

Price Change 1M -1.5%

Price Change 3M 5.9%

Price Change 6M 24.5%

Price Change YTD 50.3%

Price Change 1Y 71.5%

Price Change 3Y 177.9%

Price Change 5Y 215.3%

1M CAGR (ann.) -5.5%

1Y CAGR (ann.) 73.5%

5Y CAGR (ann.) 28.7%

All-Time CAGR 18.8%

Valuation

PE Ratio 12.81

Forward PE 10.14

PEG Ratio 1.03

Forward PEG 0.84

PS Ratio 2.96

Forward PS 3.50

PB Ratio 1.72

P/FCF Ratio 9.64

P/Adj. FCF Ratio 10.15

P/OCF Ratio 8.75

EV/Sales 3.11

EV/EBIT 10.03

EV/EBITDA 9.64

EV/FCF 10.14

Earnings Yield 7.8%

FCF Yield 10.4%

Adj. FCF Yield 9.8%

Financial Health

Net Debt $65.58M

Total Debt $78.85M

Cash & Short-Term Investments $4.17M

Total Assets $9.41B

Current Ratio 0.00

Quick Ratio 0.00

Debt / Equity Ratio 0.09

Debt / EBITDA 0.50

Debt / FCF 0.53

OCF / Debt 2.01

Interest Coverage 1.22

Altman Z-Score 0.30

Piotroski F-Score 7

Margins & Profitability

Gross Profit Margin 69.8%

Operating Profit Margin 31.0%

EBITDA Margin 32.3%

Net Profit Margin 23.4%

FCF Margin 30.7%

Adj. FCF Margin 29.1%

SBC / Revenue 2.0%

SBC Impact (per share) -5.1%

Returns

Return on Assets 1.2%

Return on Equity 14.1%

Return on Invested Capital 1.2%

Return on Capital Employed 1.6%

Return on Tangible Assets 1.2%

Historical Growth (CAGR)

Revenue CAGR 3Y 12.1%

Revenue CAGR 5Y 17.9%

Revenue CAGR 10Y 13.8%

EPS CAGR 3Y 8.6%

EPS CAGR 5Y 19.2%

EPS CAGR 10Y 18.8%

FCF CAGR 3Y -3.0%

FCF CAGR 5Y 20.4%

FCF CAGR 10Y N/A

Analyst Forecasts

Analyst Rating Buy

Analyst Count 6

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 21, 2026

EPS Estimate (next Q) $1.10

EPS Growth Est (next Q) 20.9%

Revenue Est (next Q) $99.26M

Revenue Growth Est (next Q) 14.9%

Fair Value Estimates

Graham Number $48.56

Graham Upside 1.1%

Lynch Fair Value $71.89

Lynch Upside 49.7%

Price Target $54

Price Target Upside 12.5%

Cash Flow

Operating Cash Flow $158.34M

Free Cash Flow $148.99M

Adj. Free Cash Flow $141.47M

FCF Per Share $4.78

OCF Per Share $5.49

OCF/S Ratio 33.8%

Income Statement

Revenue $485.42M

Gross Profit $338.8M

Operating Income $150.64M

EBITDA $156.66M

Net Income $113.42M

EPS (Diluted) $3.75

Revenue / Employee $1.08M

Profit / Employee $252.04K

Employees 450

Dividends

Annual Dividend $0.65

Dividend Yield 1.35%

Payout Ratio 17.3%

FCF Payout Ratio 12.2%

Adj. FCF Payout Ratio 12.9%

Dividend Growth (YoY) 20.4%

Pay Frequency Quarterly

Ex-Dividend Date Aug 3, 2026