Amalgamated Financial Corp.

NASDAQ•AMAL

CEO: Ms. Priscilla Sims Brown

Sector: Financial Services

Industry: Banks - Regional

Listing Date: 2018-08-09

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. The company accepts various deposit products, including non-interest bearing accounts, interest-bearing demand products, savings accounts, money market accounts, NOW accounts, and certificates of deposit. It also provides various commercial loans comprising commercial and industrial, multifamily mortgage, and commercial real estate loans; residential mortgage loans; and retail loans, such as residential real estate, consumer solar, and consumer and other loans. In addition, the company offers online banking, bill payment, online cash management, and safe deposit box rental services; debit and ATM cards; and trust, custody, and investment management services comprising asset safekeeping, corporate actions, income collections, proxy, account transition, asset transfers, and conversion management services. Further, it provides investment products, such as funds spanning equity, fixed-income, real estate, and alternative investment products; and brokerage, asset management, and insurance products. Amalgamated Financial Corp. was founded in 1923 and is headquartered in New York, New York.

Contact Information

275 Seventh Avenue, New York, NY, 10001, United States

212-255-6200

www.amalgamatedbank.com

Market Cap

$1.13B

P/E (TTM)

10.9

13.7

Dividend Yield

1.6%

52W High

$42.66

52W Low

$25.03

52W Range

73%

Rank29Top 17.8%

5.2

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Average • 5.2 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$115.20M+6.77%

4-Quarter Trend

EPS

$0.89+11.25%

4-Quarter Trend

FCF

$34.35M+0.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

NII Rises, NIM Improves Net Interest Income increased to $297.8M; Net Interest Margin rose 8 basis points to 3.59% due to higher loan yields.

Balance Sheet Expansion Continues Total assets grew to $8.87B by year-end 2025; total deposits increased to $7.95B, supporting loan growth.

Strong Capital Position Maintained Consolidated CET1 ratio strengthened to 14.23% (excluding buffer), well exceeding regulatory requirements for the period.

Asset Quality Stable Overall Total nonaccrual assets ratio held steady at 0.32% of assets; ACL decreased to $57.6M by year-end 2025.

Risk Factors

Increased Credit Loss Provisioning Provision for credit losses rose to $16.3M, driven by charge-offs in consumer solar and commercial portfolios.

Geographic Concentration Exposure Significant concentration risk exists as 82.4% of CRE/Multifamily loans are secured in NY, CA, and DC markets.

Regulatory Scrutiny Over ESG Socially responsible mission exposes company to public criticism, litigation, and regulatory scrutiny regarding ESG claims.

Interest Rate Risk Persists NIM compression remains a risk if asset yields decline relative to liability costs, despite recent NIM improvement.

Outlook

Focus on Deposit-Led Growth Primary goal remains developing organic relationships for high-quality, low-cost core deposits to fund future growth.

Strategic Geographic Expansion Intends to evaluate opportunities to efficiently expand geographic footprint into other large metropolitan areas across the US.

Technology and Cybersecurity Investment Continuous investment in scalable, secure IT systems and enhanced cybersecurity measures remains a key operational focus.

Dividend Policy Dependent Future dividend payments are subject to Federal Reserve policy, capital needs, and Bank subsidiary dividend capacity.

Peer Comparison

Revenue (TTM)

DCOM

$730.38M

+13.0%

MCB

$527.15M

+7.1%

UVSP

$518.35M

+3.6%

Gross Margin (Latest Quarter)

ESQ

88.8%

+4.0pp

CPF

82.0%

+10.7pp

HBT

81.4%

+3.2pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
DCOM	$1.39B	12.4	7.7%	2.4%
AMAL	$1.13B	10.9	13.7%	1.1%
MOFG	$1.02B	17.4	10.0%	1.6%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

1.7%

Moderate Growth

4Q Net Income CAGR

2.1%

Profitability Slowly Improving

Cash Flow Stability

100%

Strong Cash Flow

Deep Research

Next earnings:Apr 23, 2026

EPS:$0.99

Revenue:$90.80M

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data