AMALGAMATED FINANCIAL CORP(NASDAQ:AMAL) stock Fundamental Analysis

Fundamental Rating

AMAL gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 402 industry peers in the Banks industry. There are concerns on the financial health of AMAL while its profitability can be described as average. AMAL has a correct valuation and a medium growth rate.

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1. Profitability

1.1 Basic Checks

AMAL had positive earnings in the past year.

AMAL had positive earnings in each of the past 5 years.

AMAL had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of 1.24%, AMAL belongs to the top of the industry, outperforming 81.93% of the companies in the same industry.

Looking at the Return On Equity, with a value of 14.99%, AMAL belongs to the top of the industry, outperforming 91.09% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.24%
ROE	14.99%
ROIC	N/A

ROA(3y)1.14%

ROA(5y)0.99%

ROE(3y)15.36%

ROE(5y)12.82%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

AMAL's Profit Margin of 33.27% is amongst the best of the industry. AMAL outperforms 88.61% of its industry peers.

In the last couple of years the Profit Margin of AMAL has grown nicely.

AMAL does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	33.27%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y8.92%

PM growth 5Y6.94%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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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 less shares outstanding than it did 1 year ago.

The number of shares outstanding for AMAL has been reduced compared to 5 years ago.

AMAL has a better debt/assets ratio than last year.

2.2 Solvency

A Debt/Equity ratio of 0.10 indicates that AMAL is not too dependend on debt financing.

With a decent Debt to Equity ratio value of 0.10, AMAL is doing good in the industry, outperforming 74.26% 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

WACC10.34%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 18.71% over the past year.

The Earnings Per Share has been growing by 18.56% on average over the past years. This is quite good.

The Revenue has grown by 8.60% 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 10.02% yearly.

EPS 1Y (TTM)18.71%

EPS 3Y27.34%

EPS 5Y18.56%

EPS Q2Q%25%

Revenue 1Y (TTM)8.6%

Revenue growth 3Y15.91%

Revenue growth 5Y10.02%

Sales Q2Q%8.92%

3.2 Future

The Earnings Per Share is expected to grow by 11.33% on average over the next years. This is quite good.

AMAL is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.07% yearly.

EPS Next Y3.71%

EPS Next 2Y11.33%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year4.37%

Revenue Next 2Y9.07%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.

The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

AMAL is valuated reasonably with a Price/Earnings ratio of 8.45.

Based on the Price/Earnings ratio, AMAL is valued cheaper than 90.10% of the companies in the same industry.

When comparing the Price/Earnings ratio of AMAL to the average of the S&P500 Index (29.35), we can say AMAL is valued rather cheaply.

The Price/Forward Earnings ratio is 8.15, which indicates a very decent valuation of AMAL.

88.37% 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 (22.10), we can say AMAL is valued rather cheaply.

		Industry Rank	Sector Rank
PE	8.45
Fwd PE	8.15

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.

PEG (NY)2.28

PEG (5Y)0.46

EPS Next 2Y11.33%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.87%, AMAL has a reasonable but not impressive dividend return.

AMAL's Dividend Yield is slightly below the industry average, which is at 3.37.

Compared to an average S&P500 Dividend Yield of 2.33, AMAL has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	1.87%

5.2 History

The dividend of AMAL is nicely growing with an annual growth rate of 11.46%!

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.

The dividend of AMAL is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP21.87%

EPS Next 2Y11.33%

EPS Next 3YN/A

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AMALGAMATED FINANCIAL CORP

NASDAQ:AMAL (3/7/2025, 8:04:42 PM)

After market: 29.49 0 (0%)

29.49

-0.38 (-1.27%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-23 2025-01-23/bmo

Earnings (Next)04-23 2025-04-23/bmo

Inst Owners61.62%

Inst Owner Change4.92%

Ins Owners1.22%

Ins Owner Change-4.78%

Market Cap904.46M

Analysts80

Price Target42.33 (43.54%)

Short Float %6.36%

Short Ratio5.33

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.87%

Yearly Dividend0.4

Dividend Growth(5Y)11.46%

DP21.87%

Div Incr Years3

Div Non Decr Years6

Ex-Date02-11 2025-02-11 (0.14)

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)-4.6%

PT rev (3m)3.75%

EPS NQ rev (1m)1.38%

EPS NQ rev (3m)1.38%

EPS NY rev (1m)0%

EPS NY rev (3m)1.85%

Revenue NQ rev (1m)1.25%

Revenue NQ rev (3m)1.25%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.44%

Valuation

		Industry Rank	Sector Rank
PE	8.45
Fwd PE	8.15
P/S	2.88
P/FCF	N/A
P/OCF	N/A
P/B	1.3
P/tB	1.32
EV/EBITDA	N/A

EPS(TTM)3.49

EY11.83%

EPS(NY)3.62

Fwd EY12.27%

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpS10.25

BVpS22.76

TBVpS22.29

PEG (NY)2.28

PEG (5Y)0.46

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)1.14%

ROA(5y)0.99%

ROE(3y)15.36%

ROE(5y)12.82%

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 3Y8.92%

PM growth 5Y6.94%

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

WACC10.34%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)18.71%

EPS 3Y27.34%

EPS 5Y18.56%

EPS Q2Q%25%

EPS Next Y3.71%

EPS Next 2Y11.33%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)8.6%

Revenue growth 3Y15.91%

Revenue growth 5Y10.02%

Sales Q2Q%8.92%

Revenue Next Year4.37%

Revenue Next 2Y9.07%

Revenue Next 3YN/A

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 1YN/A

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1YN/A

OCF growth 3YN/A

OCF growth 5YN/A

AMALGAMATED FINANCIAL CORP (AMAL) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens