Amalgamated Financial Corp. (AMAL) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Amalgamated Financial Corp. (AMAL) trades at $47.28 with AI Score 85/100 (Grade A+). Amalgamated Financial Corp. Market cap: $1.41B, Sector: Financial services.
Price as of Jul 20, 2026 · Last analyzed: May 10, 2026AMAL stock analysis for 2026: Analysts have set a consensus price target of $44.00 for Amalgamated Financial Corp., suggesting 6.9% downside from the current price of $47.28. The AI MoonshotScore is 85/100, indicating a strong bullish outlook. Key factors: analyst coverage, AI-driven quantitative scoring.
AMAL: 2/3 scored disciplines lean bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →Why this analysis is different
- A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Amalgamated Financial Corp. (AMAL) Financial Services Profile
Amalgamated Financial Corp. (AMAL) is a US-based regional bank holding company providing commercial and retail banking, investment management, and trust services. With a focus on socially responsible banking, AMAL serves commercial, retail, and institutional clients through its branch network and digital platforms, operating with a moderate beta of 0.84.
What Is the Investment Thesis for AMAL?
Amalgamated Financial Corp. presents a compelling investment case due to its unique positioning within the financial services sector as a socially responsible bank. With a P/E ratio of 12.5 and a dividend yield of 1.47%, AMAL offers a blend of value and income. The company's profit margin of 22.4% and gross margin of 68.6% indicate strong profitability and efficient operations. Key growth catalysts include the expansion of its digital banking platform and increased demand for socially responsible investment options. The company's focus on serving labor unions, political organizations, and non-profits provides a stable and growing customer base. However, potential risks include regulatory changes and increased competition from larger financial institutions. Successful execution of its growth strategies and continued focus on socially responsible banking are crucial for sustained value creation.
Based on FMP financials and quantitative analysis
AMAL Key Highlights
- Market capitalization of $1.41B, reflecting investor confidence in the company's market position.
- P/E ratio of 12.5, indicating a reasonable valuation compared to earnings.
- Profit margin of 22.4%, demonstrating strong profitability and efficient cost management.
- Gross margin of 68.6%, highlighting the effectiveness of its service offerings.
- Dividend yield of 1.47%, providing a steady income stream for investors.
Who Are AMAL's Competitors?
AMAL is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BAC Bank of America Corporation | $60.42 | -1.39% | $429B | 85 |
| WFC Wells Fargo & Company | $86.34 | -1.33% | $264B | 43 |
| USB U.S. Bancorp | $63.14 | +0.00% | $98.4B | 95 |
| WABC Westamerica Bancorporation | $61.40 | +0.07% | $1.44B | 93 |
| CTBI Community Trust Bancorp, Inc. | $74.72 | -0.28% | $1.36B | 92 |
| QCRH QCR Holdings, Inc. | $97.75 | -0.86% | $1.61B | 96 |
| UVSP Univest Financial Corporation | $44.06 | -1.17% | $1.23B | 96 |
| BY Byline Bancorp, Inc. | $37.87 | -0.50% | $1.72B | 94 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are AMAL's Key Strengths?
- Strong brand reputation for social responsibility.
- Established relationships with labor unions and non-profits.
- Solid financial performance with a profit margin of 22.4%.
- Experienced management team.
What Are AMAL's Weaknesses?
- Limited geographic presence compared to larger banks.
- Smaller scale and resources compared to national competitors.
- Reliance on specific customer segments (labor unions, non-profits).
- Higher operating costs associated with social responsibility initiatives.
What Could Drive AMAL Stock Higher?
- Launch of new ESG-focused investment products in Q3 2026.
- Expansion of digital banking platform to attract new customers.
- Strategic partnerships with labor unions and non-profit organizations.
- Increased demand for socially responsible banking services.
What Are the Key Risks for AMAL?
- Financial-distress signal — its Altman Z-Score of 0.30 sits in the distress zone (elevated bankruptcy risk).
- Increased competition from larger financial institutions.
- Regulatory changes and compliance costs.
- Economic downturn and credit risk.
- Cybersecurity threats and data breaches.
- Interest rate fluctuations impacting net interest margin.
What Are the Growth Opportunities for AMAL?
- Expansion of Digital Banking Platform: Amalgamated Financial Corp. can capitalize on the growing demand for digital banking services by further enhancing its online and mobile platforms. The digital banking market is projected to reach $9.08 trillion in transactions in 2026, offering a significant growth opportunity. By investing in user-friendly interfaces and advanced features, Amalgamated can attract new customers and increase engagement with existing ones. Timeline: Ongoing.
- Increased Focus on ESG Investing: The growing interest in Environmental, Social, and Governance (ESG) investing presents a significant opportunity for Amalgamated. The ESG investing market is projected to reach $53 trillion by 2025. By offering a wider range of ESG-focused investment products and services, Amalgamated can attract investors who prioritize socially responsible investments. Timeline: Ongoing.
- Strategic Partnerships with Labor Unions and Non-Profits: Amalgamated can strengthen its position as a socially responsible bank by forming strategic partnerships with labor unions and non-profit organizations. These partnerships can provide access to a stable and growing customer base. The non-profit sector in the U.S. has over 1.5 million organizations, representing a substantial market opportunity. Timeline: Ongoing.
- Geographic Expansion into Underserved Markets: Amalgamated can expand its geographic footprint by targeting underserved markets with a strong demand for socially responsible banking services. Identifying regions with a high concentration of labor unions, non-profits, and progressive organizations can provide a strategic advantage. This expansion can be achieved through a combination of physical branches and digital channels. Timeline: 2027-2028.
- Development of Innovative Financial Products: Amalgamated can differentiate itself from competitors by developing innovative financial products tailored to the needs of its target customers. This could include specialized loan programs for non-profits, impact investing funds, and socially responsible credit cards. By offering unique and valuable products, Amalgamated can attract new customers and increase customer loyalty. Timeline: 2026-2027.
What Opportunities Does AMAL Have?
- Expansion of digital banking services.
- Growth in ESG investing and socially responsible finance.
- Strategic partnerships with like-minded organizations.
- Geographic expansion into underserved markets.
What Threats Does AMAL Face?
- Increased competition from larger financial institutions.
- Regulatory changes and compliance costs.
- Economic downturn and credit risk.
- Cybersecurity threats and data breaches.
What Are AMAL's Competitive Advantages?
- Strong brand reputation as a socially responsible bank.
- Established relationships with labor unions and non-profit organizations.
- Specialized expertise in serving the financial needs of progressive organizations.
- Commitment to ethical and sustainable banking practices.
What Does AMAL Do?
Founded in 1923, Amalgamated Financial Corp. has a rich history rooted in serving the labor movement and progressive organizations. As the bank holding company for Amalgamated Bank, it offers a comprehensive suite of financial services, including commercial and retail banking, investment management, and trust and custody services. The bank accepts a variety of deposit products, such as non-interest bearing accounts, savings accounts, and certificates of deposit. Its lending portfolio includes commercial and industrial loans, multifamily mortgages, commercial real estate loans, residential real estate loans, and consumer loans. Amalgamated Bank distinguishes itself through its commitment to socially responsible banking practices. It caters to a diverse clientele, including labor unions, political organizations, non-profits, and individuals who value ethical and sustainable financial solutions. The company operates through branch offices in key locations like New York City, Washington, D.C., and San Francisco, as well as a commercial office in Boston and a digital banking platform. This multi-channel approach allows Amalgamated to serve customers across the United States. The bank's services also include online banking, bill payment, cash management, safe deposit boxes, debit and ATM cards, and a range of investment products, including equity, fixed-income, real estate, and alternative investments. These offerings are complemented by brokerage, asset management, and insurance products, positioning Amalgamated as a full-service financial institution with a unique social mission.
What Products and Services Does AMAL Offer?
- Provides commercial and retail banking services.
- Offers investment management services.
- Provides trust and custody services.
- Accepts various deposit products, including checking, savings, and money market accounts.
- Offers commercial and industrial loans.
- Provides residential and commercial real estate loans.
- Offers online and mobile banking services.
- Provides brokerage, asset management, and insurance products.
How Does AMAL Make Money?
- Generates revenue from interest income on loans.
- Earns fees from investment management and trust services.
- Collects service charges on deposit accounts.
- Provides online banking and cash management services for businesses.
What Industry Does AMAL Operate In?
Amalgamated Financial Corp. operates within the regional banking sector, which is characterized by increasing competition and evolving customer expectations. The industry is undergoing digital transformation, with banks investing heavily in online and mobile banking platforms to enhance customer experience and reduce costs. Regulatory compliance and cybersecurity are also key concerns for regional banks. Amalgamated differentiates itself through its focus on socially responsible banking, catering to a niche market of customers who prioritize ethical and sustainable financial solutions. This focus allows it to compete effectively against larger national banks and smaller community banks.
Who Are AMAL's Key Customers?
- Commercial clients, including businesses and organizations.
- Retail customers, including individuals and families.
- Labor unions and related organizations.
- Non-profit organizations and foundations.
Amalgamated Financial Corp. (AMAL) Valuation Context
Valued at $1.41B, AMAL is classified as a small-cap stock. Relative to its peer group, AMAL's quantitative score of 85/100 is roughly in line with the peer average of 82/100.
AMAL Revenue & Earnings Trend
In Q1 2026, AMAL generated $122.6M in top-line revenue, marking a sequential increase of 6.4%. The company recorded net income of $25.2M, with diluted EPS of $0.84. Quarter-over-quarter revenue has been mixed, typical for a small-cap company operating in Financial Services. Across the four most recent quarters, AMAL averaged $0.86 in diluted EPS.
Company Profile
Amalgamated Financial Corp. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in New York City, US. The company is led by CEO Priscilla Sims Brown. AMAL has traded publicly since 2018.
ROE 13%Key Financial Metrics
Return on equity for Amalgamated Financial Corp. stands at 13.4%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.1%, showing how much profit it generates from its asset base. AMAL trades at a trailing price-to-earnings ratio of 12.46, below the Financial Services sector average of ~18x. Its free cash flow yield is 12.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 8.5%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 6/9Financial Health
Amalgamated Financial Corp.'s Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.30 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project Amalgamated Financial Corp. revenue of about $373.8M for fiscal 2026, with EPS near $3.93.
AMAL Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests strong confidence from leadership in Amalgamated's future prospects.
- Community sentiment has shifted positively with increased discussions around the company's innovative financial products.
- Analysts have noted a growing interest in niche markets that Amalgamated is targeting, indicating potential for expansion.
- Recent partnerships with fintech firms have generated buzz, positioning Amalgamated as a forward-thinking player in the financial sector.
Bear Case
- There are concerns over the competitive landscape, with larger banks potentially overshadowing Amalgamated's market presence.
- Social sentiment has shown some skepticism regarding the sustainability of recent growth trends in the financial sector.
- Recent regulatory challenges may create headwinds for Amalgamated, raising questions about compliance costs and operational flexibility.
- Some community voices express doubts about the company's ability to maintain profitability amid rising interest rates affecting the financial industry.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $123M | $25M | $0.84 |
| Q4 2025 | $115M | $27M | $0.88 |
| Q3 2025 | $118M | $27M | $0.88 |
| Q2 2025 | $112M | $26M | $0.84 |
Based on FMP financials and quantitative analysis
AMAL Latest News
-
Earnings Scheduled For April 24, 2025
benzinga · Apr 24, 2025
AMAL Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for AMAL.
Price Targets
Consensus target: $44.00
AMAL MoonshotScore
What does this score mean?
The MoonshotScore rates AMAL 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Priscilla Sims Brown
CEO
Priscilla Sims Brown is the Chief Executive Officer of Amalgamated Financial Corp. She brings extensive experience in the financial services industry, with a background in retail banking, wealth management, and digital innovation. Prior to joining Amalgamated, she held leadership positions at various financial institutions, including senior roles at major banks and fintech companies. Her expertise spans strategic planning, product development, and customer experience enhancement. She is known for her focus on driving growth and innovation while maintaining a strong commitment to social responsibility.
Track Record: Since assuming the role of CEO, Priscilla Sims Brown has focused on expanding Amalgamated's digital banking platform and strengthening its commitment to socially responsible investing. She has overseen the launch of new ESG-focused products and initiatives, and has successfully navigated the challenges of the evolving regulatory landscape. Her leadership has contributed to the company's continued growth and profitability.
What Investors Ask About Amalgamated Financial Corp. (AMAL) — Financial Services
What does the AI Score mean for AMAL?
AMAL holds an AI Score of 85/100 (Grade: A+). This is an educational research signal, not a buy or sell recommendation. Amalgamated Financial Corp., founded in 1923, operates as the bank holding company for Amalgamated Bank, providing commercial and retail banking services. The company focuses on socially …
What does Amalgamated Financial Corp. do?
Amalgamated Financial Corp., through its subsidiary Amalgamated Bank, provides a range of commercial and retail banking services with a focus on socially responsible practices. It offers deposit accounts, loans, investment management, and trust services to commercial clients, retail customers, labor unions, and non-profit organizations. The bank distinguishes itself by catering to clients who prioritize ethical and sustainable financial solutions, operating through branches and a digital platform.
What do analysts say about AMAL stock?
Analyst coverage of Amalgamated Financial Corp. (AMAL) typically focuses on its growth potential within the socially responsible banking sector. Key valuation metrics such as P/E ratio and dividend yield are often compared to peers in the regional banking industry. Growth considerations include the expansion of its digital banking platform and the increasing demand for ESG-focused investment products.
What are the main risks for AMAL?
Amalgamated Financial Corp. faces several key risks, including increased competition from larger financial institutions with greater resources, potential regulatory changes that could increase compliance costs, and the risk of an economic downturn that could impact credit quality. Cybersecurity threats and data breaches also pose a significant risk, as they could damage the company's reputation and result in financial losses.
What are the key factors to evaluate for AMAL?
Amalgamated Financial Corp. (AMAL) holds an AI score of 85/100 (high). P/E: 12.5x vs the S&P 500's ~20-25x. Analysts target $44.00 (-7%). Not financial advice.
How frequently does AMAL data refresh on this page?
AMAL's price was last updated on Jul 20, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven AMAL's recent stock price performance?
Amalgamated Financial Corp. (AMAL) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong brand reputation for social responsibility. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider AMAL overvalued or undervalued right now?
Amalgamated Financial Corp. (AMAL) trades at 12.5x earnings. Analysts target $44.00 (-7%) — near fair value. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research AMAL before investing?
Before investing in Amalgamated Financial Corp. (AMAL), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data and may be subject to change.
- Financial metrics are as of the latest reporting period.