Amalgamated Financial Corp.
AMAL Nasdaq· State Commercial Banks
Last close · Oct 23, 2026
$50.50
KIRA · Stoqly’s AI analyst, in plain words
- Amalgamated Financial Corp. had $329M of revenue in fiscal 2025, up 4.1% on the year before. Over five years, revenue changed +8.3% a year on average.
- Amalgamated Financial Corp. made $104M of net profit in fiscal 2025. From fiscal 2018 to 2025, diluted EPS grew 12.9% a year.
- Amalgamated Financial Corp. returned $49.5M to shareholders in fiscal 2025, 37% of free cash flow. The diluted share count fell 1.0%.
- It earned 13.9% on shareholders’ money. Running costs took 52.4% of revenue (the efficiency ratio; lower is better).
Market cap
$1.5B
P/E
13.5x
Revenue
$329M
Net income
$104M
Return on equity
13.9%
Efficiency ratio
52.4%
Amalgamated Financial Corp. in 30 seconds · fiscal 2025
Are sales growing?
+4.1%
Only a little. Sales grew 4.1% last year.
Does it make a profit?
31.8%
Yes. It keeps 31.8% of every sale as profit.
How lean are its costs?
52.4%
Lean. Running costs take 52.4% of revenue.
How much does it earn on its capital?
13.9%
Good. It earns 13.9% a year on shareholders’ money.
How is the share priced?
13.5x
One share costs 13.5 times its yearly profit per share.
What Amalgamated Financial Corp. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 5, 2026
- Legal name
- Amalgamated Financial Corp.
- CIK
- 0001823608
Amalgamated Financial Corp. · AMAL
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $203M | $264M | $291M | $316M | $329M |
| Revenue growth | −8.1% | 30.1% | 10.2% | 8.6% | 4.1% |
| Net interest income | $174M | $240M | $261M | $282M | $298M |
| Net income | $52.9M | $81.5M | $88.0M | $106M | $104M |
| Net margin | 26.1% | 30.9% | 30.3% | 33.7% | 31.8% |
| Diluted EPS | $1.68 | $2.61 | $2.86 | $3.44 | $3.41 |
| Cash | |||||
| Cash from operations | $70.5M | $147M | $117M | $124M | $136M |
| Capital expenditure | $2.4M | $1.7M | $1.5M | $1.8M | $1.4M |
| Free cash flow | $68.1M | $146M | $116M | $122M | $134M |
| FCF margin | 33.6% | 55.2% | 39.8% | 38.7% | 40.9% |
| Dividends paid | $10.0M | $11.2M | $12.3M | $14.2M | $17.2M |
| Share buybacks | $2.9M | $12.5M | $8.3M | $1.1M | $32.3M |
| Share count change | 0.9% | −1.0% | −1.3% | 0.5% | −1.0% |
| Debt and strength | |||||
| Cash and short-term investments | $330M | $63.5M | $90.6M | $60.7M | $291M |
| Loans, net | $3.3B | $4.1B | $4.3B | $4.6B | $4.9B |
| Deposits | $6.4B | $6.6B | $7.0B | $7.2B | $7.9B |
| Shareholders' equity | $564M | $509M | $585M | $708M | $794M |
| Returns and quality | |||||
| Return on equity | 9.6% | 15.2% | 16.1% | 16.5% | 13.9% |
| Return on tangible equity | 9.7% | 16.5% | 15.4% | 15.4% | 13.4% |
| Efficiency ratio | 65.2% | 53.3% | 52.0% | 50.6% | 52.4% |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$45.0M
16 insiders
Of sales under plans
8%
$3.7M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Amalgamated Financial Corp. · AMAL
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $50.50 a share, the company is worth $1.5B: 13.5 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001823608). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.