AMALGAMATED FINANCIAL CORP (AMAL)
US0226711010 - Common Stock
AMAL gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 407 industry peers in the Banks industry. AMAL has a medium profitability rating, but doesn't score so well on its financial health evaluation. AMAL has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
AMAL had positive earnings in the past year.
Each year in the past 5 years AMAL has been profitable.
Each year in the past 5 years AMAL had a positive operating cash flow.
1.2 Ratios
With an excellent Return On Assets value of 1.24%, AMAL belongs to the best of the industry, outperforming 82.22% of the companies in the same industry.
AMAL has a better Return On Equity (14.99%) than 92.84% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.24% | ||
| ROE | 14.99% | ||
| ROIC | N/A |
ROA(3y)0.96%
ROA(5y)0.91%
ROE(3y)13.48%
ROE(5y)11.74%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 33.27%, AMAL belongs to the top of the industry, outperforming 89.14% of the companies in the same industry.
AMAL's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for AMAL so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 33.27% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y13.06%
PM growth 5Y3.81%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
AMAL does not have a ROIC to compare to the WACC, probably because it is not profitable.
AMAL has about the same amout of shares outstanding than it did 1 year ago.
AMAL has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, AMAL has a worse debt to assets ratio.
2.2 Solvency
A Debt/Equity ratio of 0.10 indicates that AMAL is not too dependend on debt financing.
AMAL has a Debt to Equity ratio of 0.10. This is in the better half of the industry: AMAL outperforms 75.80% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.41%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 8.52% over the past year.
AMAL shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.38% yearly.
The Revenue has grown by 10.15% in the past year. This is quite good.
AMAL shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.30% yearly.
EPS 1Y (TTM)8.52%
EPS 3Y22.23%
EPS 5Y14.38%
EPS Q2Q%19.74%
Revenue 1Y (TTM)10.15%
Revenue growth 3Y9.63%
Revenue growth 5Y10.3%
Sales Q2Q%14.7%
3.2 Future
AMAL is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 14.62% yearly.
The Revenue is expected to grow by 10.30% on average over the next years. This is quite good.
EPS Next Y20.04%
EPS Next 2Y9.94%
EPS Next 3Y14.62%
EPS Next 5YN/A
Revenue Next Year11.51%
Revenue Next 2Y7.81%
Revenue Next 3Y10.3%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 10.24, the valuation of AMAL can be described as reasonable.
Based on the Price/Earnings ratio, AMAL is valued cheaply inside the industry as 83.21% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of AMAL to the average of the S&P500 Index (27.54), we can say AMAL is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 9.53, the valuation of AMAL can be described as reasonable.
79.75% of the companies in the same industry are more expensive than AMAL, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of AMAL to the average of the S&P500 Index (23.99), we can say AMAL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.24 | ||
| Fwd PE | 9.53 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
AMAL's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as AMAL's earnings are expected to grow with 14.62% in the coming years.
PEG (NY)0.51
PEG (5Y)0.71
EPS Next 2Y9.94%
EPS Next 3Y14.62%
5. Dividend
5.1 Amount
AMAL has a Yearly Dividend Yield of 1.44%.
Compared to an average industry Dividend Yield of 3.21, AMAL is paying slightly less dividend.
AMAL's Dividend Yield is slightly below the S&P500 average, which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.44% |
5.2 History
On average, the dividend of AMAL grows each year by 11.46%, which is quite nice.
AMAL has been paying a dividend for over 5 years, so it has already some track record.
As AMAL did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)11.46%
Div Incr Years3
Div Non Decr Years6
5.3 Sustainability
AMAL pays out 21.87% of its income as dividend. This is a sustainable payout ratio.
AMAL's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP21.87%
EPS Next 2Y9.94%
EPS Next 3Y14.62%
AMALGAMATED FINANCIAL CORP
NASDAQ:AMAL (12/24/2024, 7:55:10 PM)
Premarket: 33.3 -0.58 (-1.71%)33.88
+0.03 (+0.09%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners55.01%
Inst Owner Change6.44%
Ins Owners1.22%
Ins Owner Change-5.21%
Market Cap1.04B
Analysts82.5
Price Target40.8 (20.43%)
Short Float %4.48%
Short Ratio4.37
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.44% |
Dividend Growth(5Y)11.46%
DP21.87%
Div Incr Years3
Div Non Decr Years6
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.41%
Min EPS beat(2)5.26%
Max EPS beat(2)7.55%
EPS beat(4)3
Avg EPS beat(4)5.43%
Min EPS beat(4)-1.46%
Max EPS beat(4)10.36%
EPS beat(8)6
Avg EPS beat(8)4.51%
EPS beat(12)10
Avg EPS beat(12)8.18%
EPS beat(16)13
Avg EPS beat(16)9.72%
Revenue beat(2)0
Avg Revenue beat(2)-4.07%
Min Revenue beat(2)-6.7%
Max Revenue beat(2)-1.43%
Revenue beat(4)2
Avg Revenue beat(4)-0.73%
Min Revenue beat(4)-6.7%
Max Revenue beat(4)4.11%
Revenue beat(8)2
Avg Revenue beat(8)-1.3%
Revenue beat(12)6
Avg Revenue beat(12)1.74%
Revenue beat(16)8
Avg Revenue beat(16)1.07%
PT rev (1m)11.11%
PT rev (3m)14.29%
EPS NQ rev (1m)0%
EPS NQ rev (3m)20.91%
EPS NY rev (1m)0%
EPS NY rev (3m)5.17%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)8.29%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.53%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.24 | ||
| Fwd PE | 9.53 | ||
| P/S | 3.3 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.49 | ||
| P/tB | 1.52 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.31
EY9.77%
EPS(NY)3.55
Fwd EY10.49%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS10.25
BVpS22.76
TBVpS22.29
PEG (NY)0.51
PEG (5Y)0.71
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.24% | ||
| ROE | 14.99% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 33.27% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)0.96%
ROA(5y)0.91%
ROE(3y)13.48%
ROE(5y)11.74%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y13.06%
PM growth 5Y3.81%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-ScoreN/A
WACC10.41%
ROIC/WACCN/A
Cap/Depr(3y)40.41%
Cap/Depr(5y)31.13%
Cap/Sales(3y)0.78%
Cap/Sales(5y)0.69%
Profit Quality(3y)146.32%
Profit Quality(5y)150.62%
High Growth Momentum
Growth
EPS 1Y (TTM)8.52%
EPS 3Y22.23%
EPS 5Y14.38%
EPS Q2Q%19.74%
EPS Next Y20.04%
EPS Next 2Y9.94%
EPS Next 3Y14.62%
EPS Next 5YN/A
Revenue 1Y (TTM)10.15%
Revenue growth 3Y9.63%
Revenue growth 5Y10.3%
Sales Q2Q%14.7%
Revenue Next Year11.51%
Revenue Next 2Y7.81%
Revenue Next 3Y10.3%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-20.5%
FCF growth 3Y21.71%
FCF growth 5Y31.35%
OCF growth 1Y-20.42%
OCF growth 3Y21.23%
OCF growth 5Y30.48%