Stock AnalizAmalgamated Financial Corp. AMAL
Major Banks · IPO 2018 · data as of November 13, 2026
Amalgamated Financial Corp. (AMAL) is a financial company listed in the US with a market value of about $1.5B. In the twelve months to September 30, 2026 it had revenue of $379M and net income of $123M, a net margin of 32.5%.
Its overall Stock Analiz score is 3.0 out of 5 (average). The strongest part is shareholder returns (5/5); the weakest is future growth (0/5).
Key numbers: a P/E of 12.4, a price to free cash flow of 10.6, 5-year revenue growth of 8% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 8% below the current price.
Score: 3.0 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- PEG below 1.5
- 5-year EPS growth above 10% a year
- 5-year revenue growth above 8% a year
- Profitable 5 years in a row
- More cash than debt, or low debt to equity
Checks not passed
- Price below intrinsic value (DCF, moderate assumptions)
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Profit margin improving
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year average ROIC above 12%
- ROE above 15%
Valuation
Growth and quality
Financials, last 8 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | $379M | $329M | $316M | $291M | $264M | $203M | $221M | $196M | $178M |
| Net income | $123M | $104M | $106M | $88M | $81M | $53M | $46M | $47M | $45M |
| Free cash flow | $141M | $134M | $122M | $116M | $146M | $68M | $64M | $83M | $30M |
| EPS (diluted) | $4.07 | $3.41 | $3.44 | $2.86 | $2.61 | $1.68 | $1.48 | $1.47 | $1.46 |
| Net margin | 32.5% | 31.8% | 33.7% | 30.3% | 30.9% | 26.1% | 20.9% | 24.1% | 25.1% |
| ROIC | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 3 analysts is $56.00, 11% above the current price; targets range from $53.00 to $60.00; the consensus rating is “none”; expected EPS is $4.13 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Amalgamated Financial’s P/E ratio?
About 12.4, based on the last twelve months of diluted earnings per share (forward P/E about 11.3).
Is Amalgamated Financial stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 8% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Amalgamated Financial pay a dividend?
Yes. The dividend yield is about 1.36%, and it has paid dividends for 8 years in our data.
Is Amalgamated Financial a good stock to buy?
We do not give buy or sell advice. Amalgamated Financial scores 3.0 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.