AMAL · Amalgamated Financial Corp. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $6.22M | $4.70M | $3.53M | $3.55M | $3.64M | $6.19M |
| Operating Income | $140.16M | $145.59M | $108.16M | $61.94M | $70.72M | $61.94M |
| Interest Expense | - | - | $96.77M | $18.65M | $6.22M | $10.48M |
| Income Tax | $35.71M | $39.16M | $36.75M | $26.69M | $17.79M | $15.76M |
| Net Income | $104.45M | $106.43M | $87.98M | $81.48M | $52.94M | $46.19M |
| EPS - Basic | $3.44 | $3.48 | $2.88 | $2.64 | $1.70 | $1.48 |
| EPS - Diluted | $3.41 | $3.44 | $2.86 | $2.61 | $1.68 | $1.48 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $291.22M | $60.75M | $90.57M | $63.54M | $330.49M | $122.54M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $8.87B | $8.26B | $7.97B | $7.84B | $7.08B | $5.33B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | $0 |
| Total Liabilities | $8.08B | $7.55B | $7.39B | $7.33B | $6.51B | $4.83B |
| Stockholders' Equity | $794.46M | $707.65M | $585.23M | $508.82M | $563.74M | $490.41M |
| Retained Earnings | $567.27M | $480.14M | $388.03M | $330.27M | $260.05M | $181.13M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $135.78M | $124.06M | $117.22M | $147.32M | $70.54M | $65.77M |
| Investing Cash Flow | ($378.02M) | ($315.95M) | ($134.41M) | ($1.20B) | ($865.41M) | ($755.14M) |
| Financing Cash Flow | $472.70M | $162.06M | $44.21M | $788.22M | $1.09B | $605.60M |
| CapEx | $1.38M | $1.77M | $1.48M | $1.67M | $2.40M | $1.61M |
| Free Cash Flow | $134.40M | $122.29M | $115.75M | $145.65M | $68.14M | $64.16M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | 1.29 | 1.15 | 1.32 | 1.79 | 1.29 | 1.39 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 25.5% | 26.9% | 29.5% | 24.7% | 25.2% | 25.4% |
| Return on assets | 1.2% | 1.3% | 1.1% | 1.0% | 0.7% | 0.9% |
| Return on equity | 13.1% | 15.0% | 15.0% | 16.0% | 9.4% | 9.4% |
| Return on invested capital | - | - | - | - | - | 9.4% |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | 0.00 |
| Debt / Assets | - | - | - | - | - | 0.00 |
| Debt / EBITDA | - | - | - | - | - | 0.00 |
| Interest coverage | - | - | 1.1x | 3.3x | 11.4x | 5.9x |
| Equity multiplier | 11.16 | 11.67 | 13.62 | 15.41 | 12.56 | 10.86 |
| Liabilities / Assets | 0.91 | 0.91 | 0.93 | 0.94 | 0.92 | 0.91 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 9.4x | 9.7x | 9.4x | 8.8x | 10.0x | 9.3x |
| P / B | 1.2x | 1.5x | 1.4x | 1.4x | 0.9x | 0.9x |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | 4.7x | 6.5x | 6.6x | 10.0x | 2.7x | 4.5x |
| Growth | ||||||
| Revenue growth (YoY) | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | -3.7% | 34.6% | 74.6% | -12.4% | 14.2% | - |
| Net income growth (YoY) | -1.9% | 21.0% | 8.0% | 53.9% | 14.6% | - |
| EPS growth (YoY) | -0.9% | 20.3% | 9.6% | 55.4% | 13.5% | - |
| EPS CAGR (3y) | 9.3% | 27.0% | 24.6% | - | - | - |
| EPS CAGR (5y) | 18.2% | - | - | - | - | - |
| FCF growth (YoY) | 9.9% | 5.7% | -20.5% | 113.8% | 6.2% | - |
| FCF CAGR (5y) | 15.9% | - | - | - | - | - |
| Book value growth (YoY) | 12.3% | 20.9% | 15.0% | -9.7% | 15.0% | - |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
4/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✗ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- -Asset turnover improved
Peer comparison
Same SIC group: State Commercial Banks
Comparing Amalgamated Financial Corp. against the 5 most active filers in the same SIC group.
Dividends
$0.62/share trailing 12 months · +19.2% YoY
| Ex-date | Per share |
|---|---|
| May 5, 2026 | $0.1700 |
| Feb 3, 2026 | $0.1700 |
| Nov 5, 2025 | $0.1400 |
| Aug 5, 2025 | $0.1400 |
| May 6, 2025 | $0.1400 |
| Feb 11, 2025 | $0.1400 |
| Nov 5, 2024 | $0.1200 |
| Aug 6, 2024 | $0.1200 |
| May 7, 2024 | $0.1200 |
| Feb 5, 2024 | $0.1000 |
| Nov 6, 2023 | $0.1000 |
| Aug 4, 2023 | $0.1000 |
| May 9, 2023 | $0.1000 |
| Feb 3, 2023 | $0.1000 |
| Nov 8, 2022 | $0.1000 |
| Aug 9, 2022 | $0.1000 |
| May 10, 2022 | $0.0800 |
| Feb 14, 2022 | $0.0800 |
| Nov 18, 2021 | $0.0800 |
| Aug 17, 2021 | $0.0800 |
| May 13, 2021 | $0.0800 |
| Feb 18, 2021 | $0.0800 |
| Nov 18, 2020 | $0.0800 |
| Aug 18, 2020 | $0.0800 |