Amalgamated Bank Financials

AMAL Stock  USD 36.10  0.80  2.27%   
Amalgamated Bank may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At this time, Amalgamated Bank's Total Liabilities is quite stable compared to the past year. Long Term Investments is expected to rise to about 3.9 B this year, although the value of Total Assets will most likely fall to about 6.5 B. Key indicators impacting Amalgamated Bank's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Return On Assets0.00590.0099
Way Down
Slightly volatile
Return On Equity0.07380.14
Way Down
Slightly volatile
Debt Equity Ratio0.80.66
Fairly Up
Slightly volatile
Current Ratio0.340.29
Fairly Up
Slightly volatile
Investors should never underestimate Amalgamated Bank's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Amalgamated Bank's cash flow, debt, and profitability to make informed and accurate decisions about investing in Amalgamated Bank.

Net Income

106.23 Million

  
Understanding current and past Amalgamated Bank Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Amalgamated Bank's financial statements are interrelated, with each one affecting the others. For example, an increase in Amalgamated Bank's assets may result in an increase in income on the income statement.

Amalgamated Bank Stock Summary

Amalgamated Bank competes with Home Bancorp, Community West, First Community, Great Southern, and Affinity Bancshares. Amalgamated Financial Corp. operates as the bank holding company for Amalgamated Bank that provides commercial and retail banking, investment management, and trust and custody services for commercial and retail customers in the United States. Amalgamated Financial Corp. was founded in 1923 and is headquartered in New York, New York. Amalgamated Financial operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 375 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS0226711010
CUSIP022671101 022663108
LocationNew York; U.S.A
Business Address275 Seventh Avenue,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.amalgamatedbank.com
Phone212 255 6200
CurrencyUSD - US Dollar

Amalgamated Bank Key Financial Ratios

Amalgamated Bank Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets6.0B7.1B7.8B8.0B9.2B6.5B
Other Current Liab4.7B5.8B6.0B6.0B6.9B4.6B
Other Liab56.4M50.9M25.8M40.6M36.6M38.1M
Net Tangible Assets470.7M517.4M546.7M492.8M566.7M489.9M
Retained Earnings217.2M260.0M330.3M388.0M446.2M235.3M
Accounts Payable4.6B5.3B6.4B6.6B7.6B4.8B
Cash38.8M330.5M63.5M90.2M103.7M135.2M
Other Assets2.3B1.6B2.5B(283.0M)(254.7M)(242.0M)
Capital Surpluse305.7M301.0M298.0M286.9M330.0M308.1M
Inventory(240.6M)(609.1M)(142.8M)(4.5B)(4.0B)(3.8B)
Other Current Assets240.6M609.1M142.8M204.1M183.6M355.8M
Total Liab53.2M133.2M7.3B7.4B8.5B8.9B
Total Current Assets1.6B2.5B1.9B204.1M234.7M222.9M
Short Term Debt9.8M11.0M11.3M245.7M221.1M232.2M
Common Stock315K310K311K307K276.3K262.5K
Net Debt14.4M(197.3M)634.9M245.0M281.8M158.7M
Net Receivables24.0M28.8M41.4M55.5M63.8M67.0M
Capital Stock315K310K311K307K276.3K249.1K

Amalgamated Bank Key Income Statement Accounts

202020212022202320242025 (projected)
Tax Provision15.8M17.8M26.7M31.0M35.7M37.5M
Net Interest Income180.0M174.3M239.8M261.3M300.5M174.0M
Interest Income190.5M180.5M258.5M340.6M391.7M200.7M
Interest Expense10.5M6.2M18.6M96.8M111.3M116.8M
Total Revenue213.2M202.5M266.5M274.6M315.8M203.4M
Gross Profit213.2M202.5M266.5M274.6M315.8M195.0M
Operating Income61.9M70.7M126.8M(3.5M)(4.1M)(3.9M)
Ebit61.9M70.7M108.2M(3.5M)(4.1M)(3.9M)
Ebitda69.5M75.6M112.8M888K1.0M970.1K
Income Before Tax61.9M70.7M108.2M124.7M143.4M150.6M
Net Income46.2M52.9M81.5M88.0M101.2M106.2M
Income Tax Expense15.8M17.8M26.7M36.8M42.3M44.4M

Amalgamated Bank Key Cash Accounts

202020212022202320242025 (projected)
Investments(755.1M)(959.6M)(582.2M)(44.5M)(40.1M)(42.1M)
Change In Cash(83.8M)291.7M(266.9M)27.0M31.1M32.6M
Net Borrowings(17.9M)(75M)83.8M580M667M700.4M
Free Cash Flow64.2M68.1M145.7M115.7M133.1M72.0M
Depreciation7.6M4.8M4.6M4.4M4.0M4.2M
Other Non Cash Items9.5M14.5M45.4M20.3M23.3M18.2M
Dividends Paid10.0M10.0M11.2M12.3M14.2M7.5M
Capital Expenditures1.6M2.4M1.7M1.5M1.3M2.4M
Net Income46.2M52.9M81.5M88.0M101.2M51.9M
End Period Cash Flow38.8M330.5M63.5M90.6M104.2M135.3M
Change To Netincome4.4M10.6M15.5M38.0M43.7M45.9M

Amalgamated Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Amalgamated Bank's current stock value. Our valuation model uses many indicators to compare Amalgamated Bank value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Amalgamated Bank competition to find correlations between indicators driving Amalgamated Bank's intrinsic value. More Info.
Amalgamated Bank is rated second in return on equity category among its peers. It also is rated second in return on asset category among its peers reporting about  0.08  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Amalgamated Bank is roughly  13.13 . At this time, Amalgamated Bank's Return On Equity is quite stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value Amalgamated Bank by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Amalgamated Bank Systematic Risk

Amalgamated Bank's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Amalgamated Bank volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
Execute Function
The function did not generate any output. Please change time horizon or modify your input parameters. The output start index for this execution was one with a total number of output elements of sixty. The Beta measures systematic risk based on how returns on Amalgamated Bank correlated with the market. If Beta is less than 0 Amalgamated Bank generally moves in the opposite direction as compared to the market. If Amalgamated Bank Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Amalgamated Bank is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Amalgamated Bank is generally in the same direction as the market. If Beta > 1 Amalgamated Bank moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Amalgamated Bank Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Amalgamated Bank's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Amalgamated Bank growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.97

At this time, Amalgamated Bank's Price Earnings To Growth Ratio is quite stable compared to the past year.

Amalgamated Bank January 18, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Amalgamated Bank help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Amalgamated Bank. We use our internally-developed statistical techniques to arrive at the intrinsic value of Amalgamated Bank based on widely used predictive technical indicators. In general, we focus on analyzing Amalgamated Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Amalgamated Bank's daily price indicators and compare them against related drivers.
When determining whether Amalgamated Bank is a strong investment it is important to analyze Amalgamated Bank's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Amalgamated Bank's future performance. For an informed investment choice regarding Amalgamated Stock, refer to the following important reports:
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Amalgamated Bank. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in nation.
For more information on how to buy Amalgamated Stock please use our How to buy in Amalgamated Stock guide.
You can also try the Balance Of Power module to check stock momentum by analyzing Balance Of Power indicator and other technical ratios.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Amalgamated Bank. If investors know Amalgamated will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Amalgamated Bank listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.233
Dividend Share
0.44
Earnings Share
3.39
Revenue Per Share
9.928
Quarterly Revenue Growth
0.156
The market value of Amalgamated Bank is measured differently than its book value, which is the value of Amalgamated that is recorded on the company's balance sheet. Investors also form their own opinion of Amalgamated Bank's value that differs from its market value or its book value, called intrinsic value, which is Amalgamated Bank's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Amalgamated Bank's market value can be influenced by many factors that don't directly affect Amalgamated Bank's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Amalgamated Bank's value and its price as these two are different measures arrived at by different means. Investors typically determine if Amalgamated Bank is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Amalgamated Bank's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.