AMALGAMATED FINANCIAL CORP (AMAL)
US0226711010 - Common Stock
AMAL gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 404 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 decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year AMAL was profitable.
AMAL had positive earnings in each of the past 5 years.
Each year in the past 5 years AMAL had a positive operating cash flow.
1.2 Ratios
AMAL has a Return On Assets of 1.24%. This is amongst the best in the industry. AMAL outperforms 81.80% of its industry peers.
AMAL's Return On Equity of 14.99% is amongst the best of the industry. AMAL outperforms 91.27% 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 88.78% 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.
The number of shares outstanding for AMAL remains at a similar level compared to 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.
Looking at the Debt to Equity ratio, with a value of 0.10, AMAL is in the better half of the industry, outperforming 76.31% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.23%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
AMAL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.52%, which is quite good.
AMAL shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.38% yearly.
AMAL shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.15%.
The Revenue has been growing by 10.30% on average over the past years. This is quite good.
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 10.74, the valuation of AMAL can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of AMAL indicates a rather cheap valuation: AMAL is cheaper than 81.80% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 28.65. AMAL is valued rather cheaply when compared to this.
AMAL is valuated reasonably with a Price/Forward Earnings ratio of 10.00.
Compared to the rest of the industry, the Price/Forward Earnings ratio of AMAL indicates a somewhat cheap valuation: AMAL is cheaper than 79.55% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of AMAL to the average of the S&P500 Index (23.56), we can say AMAL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.74 | ||
| Fwd PE | 10 |
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)0.54
PEG (5Y)0.75
EPS Next 2Y9.94%
EPS Next 3Y14.62%
5. Dividend
5.1 Amount
AMAL has a Yearly Dividend Yield of 1.32%. Purely for dividend investing, there may be better candidates out there.
AMAL's Dividend Yield is slightly below the industry average, which is at 3.02.
With a Dividend Yield of 1.32, AMAL pays less dividend than the S&P500 average, which is at 2.23.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.32% |
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.
AMAL has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)11.46%
Div Incr Years2
Div Non Decr Years5
5.3 Sustainability
AMAL pays out 21.87% of its income as dividend. This is a sustainable payout ratio.
The dividend of AMAL is growing, but earnings are growing more, so the dividend growth is sustainable.
DP21.87%
EPS Next 2Y9.94%
EPS Next 3Y14.62%
AMALGAMATED FINANCIAL CORP
NASDAQ:AMAL (11/20/2024, 8:06:26 PM)
After market: 35.55 0 (0%)35.55
+0.4 (+1.14%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap1.09B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.32% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.74 | ||
| Fwd PE | 10 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.54
PEG (5Y)0.75
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.24% | ||
| ROE | 14.99% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 33.27% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)8.52%
EPS 3Y22.23%
EPS 5Y
EPS Q2Q%
EPS Next Y20.04%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)10.15%
Revenue growth 3Y9.63%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y