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Amalgamated Financial Corp.

Amalgamated Financial Corp.

NASDAQ•AMAL
CEO: Ms. Priscilla Sims Brown
セクター: Financial Services
業種: Banks - Regional
上場日: 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.
連絡先情報
275 Seventh Avenue, New York, NY, 10001, United States
212-255-6200
www.amalgamatedbank.com
時価総額
$1.24B
PER (TTM)
11.9
15
配当利回り
1.4%
52週高値
$42.66
52週安値
$25.03
52週レンジ
93%
順位29Top 17.8%
5.2
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
堅調 • 5.2 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$115.20M+6.77%
直近4四半期の推移

EPS

$0.89+11.25%
直近4四半期の推移

フリーCF

$0.00+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

NII and Spread Expansion Net Interest Income grew to $76.45M (Q3) and $219.93M (YTD), driven by higher asset yields and spread widening to 2.51%.
Balance Sheet Growth Total assets reached $8.68B, supported by a $589.4M increase in deposits, while borrowings decreased $238.99M year-to-date.
Strong Capital Position Consolidated CET1 ratio stood strong at 14.21%, well above the 4.50% minimum requirement, ensuring regulatory compliance.
Asset Quality Improvement Non-performing assets decreased to $23.0M (0.26% of assets) compared to year-end 2024, despite higher quarterly provision expense.

リスク要因

Increased Credit Provisioning Q3 provision for credit losses increased sharply to $5.30M from $1.85M year-over-year, negatively impacting quarterly net income.
Interest Rate Risk Exposure Simulation analysis indicates significant potential economic value of equity decline under adverse interest rate scenarios, requiring hedging.
Loan Portfolio Concentration Significant exposure remains concentrated in Multifamily and Commercial Real Estate loans, subject to local market volatility.
Operational Security Threats Risks include failure or breach of operational or security systems, including cyber attacks and human error impacting infrastructure.

見通し

ACL Model Enhancements Complete Enhanced DCF methodology for most loans and adopted WARM for consumer solar loans; management noted no material impact.
Liquidity Position Maintained Liquidity supported by $115.5M cash and $1.96B FHLBNY availability, adequate for current and foreseeable future needs.
Regulatory Capital Focus The Bank remains categorized as 'well capitalized' and meets all capital conservation buffer requirements under Basel III rules.
Core Deposit Growth Strategy Focus remains on growing core deposits through relationship-based banking, supporting funding needs over the long term.

同業比較

売上高 (TTM)

Dime Community Bancshares, Inc.DCOM
$730.38M
+13.0%
Metropolitan Bank Holding Corp.MCB
$527.15M
+7.1%
Univest Financial CorporationUVSP
$518.35M
+3.6%

粗利益率 (最新四半期)

Esquire Financial Holdings, Inc.ESQ
88.8%
+4.0pp
Central Pacific Financial Corp.CPF
82.0%
+10.7pp
HBT Financial, Inc.HBT
81.4%
+3.2pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
DCOM$1.55B13.77.7%2.4%
AMAL$1.24B11.913.7%1.1%
FMBH$1.04B11.310.0%6.9%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
1.7%
緩やかな成長
4四半期純利益CAGR
2.1%
収益性の緩やかな改善
キャッシュフロー安定性
75%
キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年4月23日
|
EPS:$0.99
|
売上高:$90.80M
財務レポート
財務データ
全年度

  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年11月4日|
    売上高: $118.15M+4.9%
    |
    EPS: $0.89-2.2%
    予想通り

  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月5日|
    売上高: $112.07M+2.1%
    |
    EPS: $0.85-3.4%
    予想通り

  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月6日|
    売上高: $109.60M+4.3%
    |
    EPS: $0.82-7.9%
    予想通り

  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年3月6日|
    売上高: $435.34M+13.8%
    |
    EPS: $3.48+20.8%
    予想を上回る

  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月5日|
    売上高: $112.58M+15.5%
    |
    EPS: $0.91+24.7%
    予想を上回る

  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月6日|
    売上高: $109.77M+17.6%
    |
    EPS: $0.88+23.9%
    予想を上回る

  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月7日|
    売上高: $105.09M+16.8%
    |
    EPS: $0.89+29.0%
    予想を上回る

  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年3月7日|
    売上高: $382.48M+34.1%
    |
    EPS: $2.88+9.1%
    予想を下回る