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

$1.12B

PER (TTM)

10.7

14.2

配当利回り

1.6%

52週高値

$42.66

52週安値

$25.03

52週レンジ

70%

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

$34.35M+0.00%

直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

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.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

DCOM

$730.38M

+13.0%

MCB

$527.15M

+7.1%

UVSP

$518.35M

+3.6%

粗利益率 (最新四半期)

ESQ

88.8%

+4.0pp

CPF

82.0%

+10.7pp

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	$1.42B	12.6	7.7%	2.4%
AMAL	$1.12B	10.7	13.7%	1.1%
MOFG	$1.02B	17.4	10.0%	1.6%

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

100%

優れたキャッシュフローの実績

深度リサーチ

次回決算:2026年4月23日

EPS:$0.96

売上高:$89.76M

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし