Annual Income Statements for Amalgamated Financial
This table shows Amalgamated Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.
Quarterly Income Statements for Amalgamated Financial
This table shows Amalgamated Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.
Metric |
|
Q4 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Q2 2025 |
Net Income / (Loss) Attributable to Common Shareholders |
|
25 |
21 |
22 |
22 |
23 |
27 |
27 |
28 |
24 |
25 |
26 |
Consolidated Net Income / (Loss) |
|
25 |
21 |
22 |
22 |
23 |
27 |
27 |
28 |
24 |
25 |
26 |
Net Income / (Loss) Continuing Operations |
|
25 |
21 |
22 |
22 |
23 |
27 |
27 |
28 |
24 |
25 |
26 |
Total Pre-Tax Income |
|
32 |
29 |
29 |
31 |
35 |
39 |
36 |
38 |
33 |
35 |
35 |
Total Revenue |
|
72 |
72 |
71 |
71 |
77 |
78 |
78 |
81 |
78 |
77 |
81 |
Net Interest Income / (Expense) |
|
67 |
67 |
63 |
64 |
67 |
68 |
69 |
72 |
73 |
71 |
73 |
Total Interest Income |
|
79 |
85 |
86 |
91 |
96 |
97 |
99 |
103 |
103 |
101 |
104 |
Loans and Leases Interest Income |
|
42 |
45 |
45 |
50 |
52 |
52 |
51 |
54 |
58 |
58 |
59 |
Investment Securities Interest Income |
|
36 |
40 |
40 |
40 |
42 |
42 |
45 |
46 |
43 |
42 |
44 |
Deposits and Money Market Investments Interest Income |
|
0.49 |
0.62 |
1.06 |
1.69 |
2.42 |
2.59 |
2.69 |
2.27 |
1.11 |
1.19 |
1.64 |
Total Interest Expense |
|
11 |
18 |
23 |
28 |
29 |
29 |
30 |
31 |
29 |
30 |
31 |
Deposits Interest Expense |
|
5.68 |
14 |
19 |
23 |
25 |
26 |
29 |
30 |
29 |
29 |
31 |
Long-Term Debt Interest Expense |
|
5.52 |
3.82 |
4.12 |
4.35 |
3.35 |
3.01 |
0.89 |
0.60 |
0.91 |
1.20 |
0.60 |
Total Non-Interest Income |
|
4.23 |
5.21 |
7.94 |
6.78 |
9.40 |
10 |
9.26 |
8.94 |
4.79 |
6.41 |
8.03 |
Service Charges on Deposit Accounts |
|
2.99 |
2.46 |
2.71 |
2.73 |
3.10 |
6.14 |
8.61 |
12 |
5.34 |
3.44 |
3.87 |
Other Service Charges |
|
0.18 |
0.97 |
0.39 |
0.77 |
0.58 |
0.29 |
0.55 |
0.81 |
0.44 |
0.51 |
0.45 |
Net Realized & Unrealized Capital Gains on Investments |
|
-3.54 |
-2.93 |
0.29 |
-1.12 |
1.33 |
-0.66 |
-4.17 |
-8.28 |
-5.62 |
-2.36 |
-0.97 |
Investment Banking Income |
|
3.61 |
3.93 |
4.01 |
3.68 |
3.56 |
3.85 |
3.66 |
3.70 |
3.97 |
4.19 |
3.88 |
Other Non-Interest Income |
|
0.99 |
0.78 |
0.55 |
0.73 |
0.83 |
0.61 |
0.62 |
0.61 |
0.66 |
0.63 |
0.80 |
Provision for Credit Losses |
|
4.43 |
4.96 |
3.94 |
2.01 |
3.76 |
1.59 |
3.16 |
1.85 |
3.69 |
0.60 |
4.89 |
Total Non-Interest Expense |
|
36 |
39 |
38 |
37 |
38 |
38 |
40 |
41 |
41 |
42 |
41 |
Salaries and Employee Benefits |
|
19 |
22 |
21 |
21 |
21 |
22 |
23 |
24 |
25 |
23 |
23 |
Net Occupancy & Equipment Expense |
|
7.42 |
7.95 |
7.52 |
7.89 |
7.99 |
7.53 |
8.17 |
8.51 |
8.68 |
8.91 |
8.96 |
Marketing Expense |
|
1.33 |
1.59 |
1.03 |
0.82 |
0.75 |
1.22 |
1.18 |
1.02 |
0.31 |
0.05 |
0.41 |
Property & Liability Insurance Claims |
|
0.79 |
0.72 |
1.10 |
1.20 |
1.00 |
1.05 |
1.05 |
0.90 |
0.72 |
0.90 |
0.90 |
Other Operating Expenses |
|
5.61 |
5.41 |
5.78 |
5.18 |
5.84 |
5.23 |
5.32 |
5.94 |
5.99 |
7.70 |
6.36 |
Depreciation Expense |
|
0.70 |
0.73 |
0.72 |
0.69 |
0.70 |
0.66 |
0.58 |
0.65 |
0.58 |
0.63 |
0.57 |
Amortization Expense |
|
0.26 |
0.22 |
0.22 |
0.22 |
0.22 |
0.18 |
0.18 |
0.18 |
0.18 |
0.14 |
0.14 |
Income Tax Expense |
|
6.81 |
7.57 |
7.82 |
8.85 |
13 |
11 |
9.02 |
10 |
8.56 |
9.71 |
9.47 |
Basic Earnings per Share |
|
$0.79 |
$0.69 |
$0.71 |
$0.73 |
$0.75 |
$0.89 |
$0.88 |
$0.91 |
$0.80 |
$0.82 |
$0.85 |
Weighted Average Basic Shares Outstanding |
|
30.74M |
30.61M |
30.46M |
30.39M |
30.51M |
30.52M |
30.64M |
30.67M |
30.69M |
30.59M |
30.11M |
Diluted Earnings per Share |
|
$0.79 |
$0.69 |
$0.70 |
$0.73 |
$0.74 |
$0.89 |
$0.87 |
$0.90 |
$0.78 |
$0.81 |
$0.84 |
Weighted Average Diluted Shares Outstanding |
|
30.74M |
30.61M |
30.46M |
30.39M |
30.51M |
30.52M |
30.64M |
30.67M |
30.69M |
30.59M |
30.11M |
Weighted Average Basic & Diluted Shares Outstanding |
|
30.74M |
30.61M |
30.46M |
30.39M |
30.51M |
30.52M |
30.64M |
30.67M |
30.69M |
30.59M |
30.11M |
Annual Cash Flow Statements for Amalgamated Financial
This table details how cash moves in and out of Amalgamated Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.
Metric |
|
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
Net Change in Cash & Equivalents |
|
-36 |
42 |
-84 |
292 |
-267 |
27 |
-30 |
Net Cash From Operating Activities |
|
31 |
83 |
66 |
71 |
147 |
117 |
124 |
Net Cash From Continuing Operating Activities |
|
31 |
83 |
66 |
71 |
147 |
117 |
124 |
Net Income / (Loss) Continuing Operations |
|
45 |
47 |
46 |
53 |
81 |
88 |
106 |
Consolidated Net Income / (Loss) |
|
45 |
47 |
46 |
53 |
81 |
88 |
106 |
Provision For Loan Losses |
|
-0.26 |
3.84 |
25 |
-0.29 |
15 |
15 |
10 |
Depreciation Expense |
|
4.20 |
4.63 |
6.19 |
3.64 |
9.30 |
5.51 |
4.70 |
Amortization Expense |
|
-0.26 |
-3.00 |
6.41 |
7.82 |
1.05 |
0.89 |
0.73 |
Non-Cash Adjustments to Reconcile Net Income |
|
11 |
6.45 |
-18 |
17 |
42 |
13 |
29 |
Changes in Operating Assets and Liabilities, net |
|
-28 |
24 |
0.51 |
-11 |
-1.25 |
-4.39 |
-27 |
Net Cash From Investing Activities |
|
-258 |
-546 |
-755 |
-865 |
-1,202 |
-134 |
-316 |
Net Cash From Continuing Investing Activities |
|
-258 |
-546 |
-755 |
-865 |
-1,202 |
-134 |
-316 |
Purchase of Property, Leasehold Improvements and Equipment |
|
-1.43 |
-0.75 |
-1.61 |
-2.40 |
-1.67 |
-1.48 |
-1.78 |
Purchase of Investment Securities |
|
-692 |
-771 |
-993 |
-1,699 |
-1,290 |
-673 |
-926 |
Sale and/or Maturity of Investments |
|
435 |
576 |
276 |
668 |
915 |
541 |
972 |
Other Investing Activities, net |
|
- |
-350 |
-37 |
168 |
-826 |
-0.76 |
-360 |
Net Cash From Financing Activities |
|
192 |
504 |
606 |
1,087 |
788 |
44 |
162 |
Net Cash From Continuing Financing Activities |
|
192 |
504 |
606 |
1,088 |
788 |
44 |
162 |
Net Change in Deposits |
|
510 |
536 |
698 |
1,018 |
239 |
417 |
169 |
Issuance of Common Equity |
|
0.00 |
- |
- |
0.00 |
0.67 |
0.80 |
0.79 |
Repayment of Debt |
|
-310 |
-18 |
0.00 |
84 |
574 |
- |
10 |
Repurchase of Common Equity |
|
0.00 |
-5.79 |
-7.00 |
-2.92 |
-14 |
-9.54 |
-3.36 |
Payment of Dividends |
|
-1.93 |
-8.30 |
-9.99 |
-9.98 |
-11 |
-12 |
-14 |
Other Financing Activities, Net |
|
-6.97 |
0.40 |
-0.14 |
- |
0.00 |
0.00 |
-0.15 |
Cash Interest Paid |
|
15 |
19 |
11 |
6.04 |
18 |
86 |
129 |
Cash Income Taxes Paid |
|
3.56 |
9.31 |
9.82 |
5.69 |
6.65 |
23 |
30 |
Quarterly Cash Flow Statements for Amalgamated Financial
This table details how cash moves in and out of Amalgamated Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.
Metric |
|
Q4 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Q2 2025 |
Net Change in Cash & Equivalents |
|
-2.68 |
67 |
-65 |
75 |
-50 |
65 |
-97 |
91 |
-88 |
4.97 |
105 |
Net Cash From Operating Activities |
|
53 |
35 |
27 |
40 |
15 |
31 |
28 |
36 |
29 |
34 |
25 |
Net Cash From Continuing Operating Activities |
|
53 |
35 |
27 |
40 |
15 |
31 |
28 |
36 |
29 |
34 |
25 |
Net Income / (Loss) Continuing Operations |
|
25 |
21 |
22 |
22 |
23 |
27 |
27 |
28 |
24 |
25 |
26 |
Consolidated Net Income / (Loss) |
|
25 |
21 |
22 |
22 |
23 |
27 |
27 |
28 |
24 |
25 |
26 |
Provision For Loan Losses |
|
4.43 |
4.96 |
3.94 |
2.01 |
3.76 |
1.59 |
3.16 |
1.85 |
3.69 |
0.60 |
4.89 |
Depreciation Expense |
|
6.62 |
0.87 |
0.90 |
0.88 |
2.86 |
2.02 |
0.77 |
0.77 |
2.27 |
0.27 |
0.34 |
Amortization Expense |
|
-4.69 |
0.67 |
0.79 |
0.99 |
-1.56 |
0.18 |
-0.13 |
1.16 |
-1.62 |
0.14 |
0.14 |
Non-Cash Adjustments to Reconcile Net Income |
|
23 |
8.55 |
2.04 |
3.20 |
-1.22 |
6.21 |
5.09 |
7.94 |
9.54 |
6.24 |
1.67 |
Changes in Operating Assets and Liabilities, net |
|
-1.16 |
-1.53 |
-2.05 |
10 |
-11 |
-5.99 |
-7.77 |
-3.75 |
-9.37 |
1.94 |
-8.11 |
Net Cash From Investing Activities |
|
7.91 |
35 |
-30 |
-57 |
-82 |
-91 |
-202 |
-78 |
55 |
-6.61 |
-232 |
Net Cash From Continuing Investing Activities |
|
7.91 |
35 |
-30 |
-57 |
-82 |
-91 |
-202 |
-78 |
55 |
-6.61 |
-232 |
Purchase of Property, Leasehold Improvements and Equipment |
|
-0.18 |
-0.26 |
-0.58 |
-0.38 |
-0.26 |
-0.21 |
-0.25 |
-0.59 |
-0.74 |
-1.75 |
0.71 |
Purchase of Investment Securities |
|
-104 |
-90 |
-228 |
62 |
-418 |
-263 |
-387 |
-416 |
59 |
-169 |
-407 |
Sale and/or Maturity of Investments |
|
350 |
220 |
106 |
145 |
70 |
187 |
236 |
272 |
359 |
169 |
168 |
Other Investing Activities, net |
|
-238 |
-94 |
92 |
-264 |
266 |
-15 |
-50 |
67 |
-361 |
-4.67 |
5.58 |
Net Cash From Financing Activities |
|
-64 |
-2.60 |
-62 |
92 |
17 |
125 |
77 |
133 |
-173 |
-23 |
313 |
Net Cash From Continuing Financing Activities |
|
-64 |
-2.60 |
-62 |
92 |
17 |
125 |
77 |
133 |
-173 |
-23 |
313 |
Net Change in Deposits |
|
-565 |
446 |
-147 |
96 |
21 |
294 |
143 |
146 |
-414 |
231 |
321 |
Issuance of Common Equity |
|
0.15 |
0.39 |
0.13 |
0.14 |
0.15 |
0.24 |
0.21 |
0.18 |
0.16 |
0.79 |
0.24 |
Repayment of Debt |
|
505 |
-3.22 |
-347 |
344 |
- |
-165 |
-2.09 |
-228 |
240 |
-245 |
5.76 |
Repurchase of Common Equity |
|
-0.36 |
-3.01 |
-2.51 |
-2.78 |
-1.25 |
-1.04 |
-0.86 |
-0.39 |
-1.07 |
-5.85 |
-9.92 |
Payment of Dividends |
|
-3.19 |
-3.08 |
-3.14 |
-3.06 |
-3.06 |
-3.12 |
-3.74 |
-3.70 |
-3.68 |
-4.29 |
-4.48 |
Cash Interest Paid |
|
11 |
16 |
21 |
23 |
27 |
35 |
33 |
30 |
31 |
30 |
32 |
Cash Income Taxes Paid |
|
4.22 |
0.29 |
3.05 |
4.04 |
15 |
0.32 |
16 |
12 |
2.38 |
1.51 |
13 |
Annual Balance Sheets for Amalgamated Financial
This table presents Amalgamated Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.
Metric |
|
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
Total Assets |
|
5,325 |
5,979 |
7,078 |
7,843 |
7,972 |
8,257 |
Cash and Due from Banks |
|
7.60 |
7.74 |
8.62 |
5.11 |
2.86 |
4.04 |
Interest Bearing Deposits at Other Banks |
|
115 |
31 |
322 |
58 |
88 |
57 |
Trading Account Securities |
|
1,520 |
2,212 |
3,196 |
3,396 |
3,245 |
3,285 |
Loans and Leases, Net of Allowance |
|
3,439 |
3,447 |
3,276 |
4,061 |
4,346 |
4,613 |
Loans and Leases |
|
3,473 |
3,489 |
3,312 |
4,106 |
4,411 |
4,673 |
Allowance for Loan and Lease Losses |
|
34 |
42 |
36 |
45 |
66 |
60 |
Accrued Investment Income |
|
19 |
24 |
29 |
41 |
55 |
61 |
Premises and Equipment, Net |
|
18 |
13 |
12 |
9.86 |
7.81 |
6.39 |
Goodwill |
|
13 |
13 |
13 |
13 |
13 |
13 |
Intangible Assets |
|
6.73 |
5.36 |
4.15 |
3.11 |
2.22 |
1.49 |
Other Assets |
|
188 |
225 |
217 |
255 |
213 |
216 |
Total Liabilities & Shareholders' Equity |
|
5,325 |
5,979 |
7,078 |
7,843 |
7,972 |
8,257 |
Total Liabilities |
|
4,835 |
5,443 |
6,514 |
7,334 |
7,387 |
7,549 |
Non-Interest Bearing Deposits |
|
4,641 |
5,339 |
6,356 |
6,595 |
7,012 |
7,181 |
Short-Term Debt |
|
- |
- |
- |
580 |
305 |
314 |
Other Long-Term Liabilities |
|
119 |
104 |
74 |
81 |
70 |
54 |
Commitments & Contingencies |
|
0.00 |
- |
- |
- |
- |
0.00 |
Total Equity & Noncontrolling Interests |
|
491 |
536 |
564 |
509 |
585 |
708 |
Total Preferred & Common Equity |
|
490 |
536 |
564 |
509 |
585 |
708 |
Total Common Equity |
|
490 |
536 |
564 |
509 |
585 |
708 |
Common Stock |
|
306 |
301 |
298 |
287 |
289 |
289 |
Retained Earnings |
|
181 |
217 |
260 |
330 |
388 |
480 |
Treasury Stock |
|
- |
- |
- |
0.00 |
-5.34 |
-2.82 |
Accumulated Other Comprehensive Income / (Loss) |
|
3.23 |
17 |
5.41 |
-109 |
-86 |
-59 |
Quarterly Balance Sheets for Amalgamated Financial
This table presents Amalgamated Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.
Metric |
|
Q2 2022 |
Q3 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q1 2025 |
Q2 2025 |
Total Assets |
|
7,943 |
7,868 |
7,836 |
7,793 |
7,910 |
8,137 |
8,251 |
8,414 |
8,285 |
8,621 |
Cash and Due from Banks |
|
6.08 |
3.40 |
5.19 |
4.42 |
5.49 |
3.83 |
4.08 |
3.95 |
4.20 |
4.05 |
Interest Bearing Deposits at Other Banks |
|
326 |
63 |
126 |
61 |
135 |
151 |
54 |
145 |
62 |
167 |
Trading Account Securities |
|
3,719 |
3,668 |
1,668 |
3,249 |
3,187 |
3,350 |
3,507 |
3,504 |
3,331 |
3,523 |
Loans and Leases, Net of Allowance |
|
3,609 |
3,829 |
4,131 |
4,184 |
4,297 |
4,359 |
4,408 |
4,486 |
4,620 |
4,655 |
Loans and Leases |
|
3,648 |
3,871 |
4,198 |
4,252 |
4,365 |
4,424 |
4,472 |
4,548 |
4,678 |
4,714 |
Allowance for Loan and Lease Losses |
|
39 |
42 |
67 |
67 |
68 |
64 |
63 |
61 |
58 |
59 |
Accrued Investment Income |
|
31 |
35 |
41 |
44 |
48 |
53 |
53 |
54 |
55 |
56 |
Premises and Equipment, Net |
|
11 |
11 |
9.25 |
8.93 |
8.43 |
7.13 |
6.60 |
6.41 |
7.37 |
8.82 |
Goodwill |
|
13 |
13 |
13 |
13 |
13 |
13 |
13 |
13 |
13 |
13 |
Intangible Assets |
|
3.63 |
3.37 |
2.88 |
2.66 |
2.44 |
2.03 |
1.85 |
1.67 |
1.34 |
1.20 |
Other Assets |
|
224 |
243 |
5,971 |
225 |
214 |
196 |
203 |
199 |
192 |
194 |
Total Liabilities & Shareholders' Equity |
|
7,943 |
7,868 |
7,836 |
7,793 |
7,910 |
8,137 |
8,251 |
8,414 |
8,285 |
8,621 |
Total Liabilities |
|
7,445 |
7,380 |
7,317 |
7,264 |
7,363 |
7,520 |
7,605 |
7,715 |
7,549 |
7,867 |
Non-Interest Bearing Deposits |
|
7,291 |
7,160 |
7,041 |
6,895 |
6,991 |
7,306 |
7,449 |
7,595 |
7,412 |
7,733 |
Short-Term Debt |
|
- |
75 |
- |
230 |
230 |
69 |
9.14 |
68 |
70 |
75 |
Other Long-Term Liabilities |
|
70 |
67 |
62 |
66 |
68 |
74 |
78 |
52 |
67 |
59 |
Commitments & Contingencies |
|
- |
- |
- |
- |
- |
- |
- |
- |
0.00 |
0.00 |
Total Equity & Noncontrolling Interests |
|
498 |
488 |
519 |
529 |
546 |
617 |
646 |
698 |
736 |
754 |
Total Preferred & Common Equity |
|
498 |
488 |
519 |
528 |
546 |
617 |
646 |
698 |
736 |
754 |
Total Common Equity |
|
498 |
488 |
519 |
528 |
546 |
617 |
646 |
698 |
736 |
754 |
Common Stock |
|
287 |
287 |
288 |
287 |
288 |
288 |
286 |
287 |
289 |
291 |
Retained Earnings |
|
289 |
309 |
331 |
349 |
368 |
412 |
435 |
459 |
501 |
522 |
Treasury Stock |
|
- |
- |
-2.15 |
-2.69 |
-4.85 |
-4.02 |
-1.97 |
-1.97 |
-6.33 |
-16 |
Accumulated Other Comprehensive Income / (Loss) |
|
-78 |
-108 |
-97 |
-105 |
-105 |
-79 |
-74 |
-47 |
-47 |
-43 |
Annual Metrics And Ratios for Amalgamated Financial
This table displays calculated financial ratios and metrics derived from Amalgamated Financial's official financial filings.
Metric |
|
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
Growth Metrics |
|
- |
- |
- |
- |
- |
- |
- |
Revenue Growth |
|
0.00% |
9.98% |
12.65% |
-8.13% |
30.12% |
10.20% |
8.60% |
EBITDA Growth |
|
0.00% |
21.28% |
13.28% |
10.25% |
44.21% |
10.64% |
15.17% |
EBIT Growth |
|
0.00% |
27.53% |
-3.48% |
14.18% |
52.94% |
15.32% |
16.72% |
NOPAT Growth |
|
0.00% |
5.71% |
-2.15% |
14.61% |
53.91% |
7.98% |
20.98% |
Net Income Growth |
|
0.00% |
5.71% |
-2.15% |
14.61% |
53.91% |
7.98% |
20.98% |
EPS Growth |
|
0.00% |
0.68% |
0.68% |
13.51% |
55.36% |
9.58% |
20.28% |
Operating Cash Flow Growth |
|
0.00% |
169.06% |
-21.20% |
7.25% |
108.85% |
-20.43% |
5.84% |
Free Cash Flow Firm Growth |
|
0.00% |
0.00% |
114.65% |
-177.65% |
-642.15% |
183.28% |
-106.95% |
Invested Capital Growth |
|
0.00% |
0.00% |
-5.26% |
20.88% |
80.12% |
-23.69% |
14.80% |
Revenue Q/Q Growth |
|
0.00% |
0.00% |
0.00% |
1.88% |
4.82% |
1.80% |
0.37% |
EBITDA Q/Q Growth |
|
0.00% |
0.00% |
0.00% |
2.02% |
9.46% |
2.35% |
-1.82% |
EBIT Q/Q Growth |
|
0.00% |
0.00% |
0.00% |
3.52% |
11.01% |
3.01% |
-1.46% |
NOPAT Q/Q Growth |
|
0.00% |
0.00% |
0.00% |
4.20% |
12.16% |
-2.29% |
1.72% |
Net Income Q/Q Growth |
|
0.00% |
0.00% |
0.00% |
4.20% |
12.16% |
-2.29% |
1.72% |
EPS Q/Q Growth |
|
0.00% |
0.00% |
0.00% |
3.07% |
12.50% |
-1.72% |
1.18% |
Operating Cash Flow Q/Q Growth |
|
0.00% |
0.00% |
0.00% |
-29.32% |
32.26% |
-24.36% |
12.40% |
Free Cash Flow Firm Q/Q Growth |
|
0.00% |
0.00% |
0.00% |
0.00% |
-3,743.95% |
402.02% |
-113.41% |
Invested Capital Q/Q Growth |
|
0.00% |
0.00% |
0.00% |
16.41% |
82.17% |
4.60% |
33.29% |
Profitability Metrics |
|
- |
- |
- |
- |
- |
- |
- |
EBITDA Margin |
|
30.47% |
33.60% |
33.79% |
40.55% |
44.94% |
45.12% |
47.85% |
EBIT Margin |
|
28.26% |
32.77% |
28.08% |
34.89% |
41.01% |
42.91% |
46.12% |
Profit (Net Income) Margin |
|
25.08% |
24.10% |
20.94% |
26.12% |
30.89% |
30.27% |
33.72% |
Tax Burden Percent |
|
88.74% |
73.55% |
74.57% |
74.85% |
75.33% |
70.53% |
73.11% |
Interest Burden Percent |
|
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
Effective Tax Rate |
|
11.26% |
26.45% |
25.43% |
25.15% |
24.67% |
29.47% |
26.89% |
Return on Invested Capital (ROIC) |
|
0.00% |
16.69% |
8.39% |
8.95% |
8.98% |
8.55% |
11.13% |
ROIC Less NNEP Spread (ROIC-NNEP) |
|
0.00% |
16.69% |
8.39% |
8.95% |
8.98% |
8.55% |
11.13% |
Return on Net Nonoperating Assets (RNNOA) |
|
0.00% |
2.55% |
0.61% |
0.68% |
6.21% |
7.52% |
5.33% |
Return on Equity (ROE) |
|
0.00% |
19.24% |
9.00% |
9.63% |
15.19% |
16.08% |
16.46% |
Cash Return on Invested Capital (CROIC) |
|
0.00% |
-183.31% |
13.78% |
-9.96% |
-48.22% |
35.43% |
-2.65% |
Operating Return on Assets (OROA) |
|
0.00% |
1.21% |
1.10% |
1.08% |
1.45% |
1.58% |
1.79% |
Return on Assets (ROA) |
|
0.00% |
0.89% |
0.82% |
0.81% |
1.09% |
1.11% |
1.31% |
Return on Common Equity (ROCE) |
|
0.00% |
19.24% |
9.00% |
9.63% |
15.19% |
16.08% |
16.46% |
Return on Equity Simple (ROE_SIMPLE) |
|
0.00% |
9.63% |
8.62% |
9.39% |
16.01% |
15.03% |
15.04% |
Net Operating Profit after Tax (NOPAT) |
|
45 |
47 |
46 |
53 |
81 |
88 |
106 |
NOPAT Margin |
|
25.08% |
24.10% |
20.94% |
26.12% |
30.89% |
30.27% |
33.72% |
Net Nonoperating Expense Percent (NNEP) |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
SG&A Expenses to Revenue |
|
55.53% |
51.97% |
48.64% |
50.88% |
41.67% |
41.74% |
41.31% |
Operating Expenses to Revenue |
|
71.89% |
65.27% |
60.69% |
65.25% |
53.30% |
52.04% |
50.62% |
Earnings before Interest and Taxes (EBIT) |
|
50 |
64 |
62 |
71 |
108 |
125 |
146 |
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA) |
|
54 |
66 |
75 |
82 |
119 |
131 |
151 |
Valuation Ratios |
|
- |
- |
- |
- |
- |
- |
- |
Price to Book Value (P/BV) |
|
0.00 |
0.00 |
0.00 |
0.89 |
1.33 |
1.38 |
1.45 |
Price to Tangible Book Value (P/TBV) |
|
0.00 |
0.00 |
0.00 |
0.91 |
1.38 |
1.42 |
1.48 |
Price to Revenue (P/Rev) |
|
0.00 |
0.00 |
0.00 |
2.47 |
2.57 |
2.79 |
3.24 |
Price to Earnings (P/E) |
|
0.00 |
0.00 |
0.00 |
9.44 |
8.32 |
9.20 |
9.61 |
Dividend Yield |
|
0.34% |
1.46% |
2.48% |
1.99% |
1.99% |
1.52% |
1.38% |
Earnings Yield |
|
0.00% |
0.00% |
0.00% |
10.59% |
12.02% |
10.87% |
10.41% |
Enterprise Value to Invested Capital (EV/IC) |
|
0.00 |
0.00 |
0.00 |
0.39 |
1.09 |
1.15 |
1.25 |
Enterprise Value to Revenue (EV/Rev) |
|
0.00 |
0.00 |
0.00 |
1.25 |
4.82 |
3.52 |
4.04 |
Enterprise Value to EBITDA (EV/EBITDA) |
|
0.00 |
0.00 |
0.00 |
3.08 |
10.73 |
7.81 |
8.45 |
Enterprise Value to EBIT (EV/EBIT) |
|
0.00 |
0.00 |
0.00 |
3.58 |
11.76 |
8.21 |
8.77 |
Enterprise Value to NOPAT (EV/NOPAT) |
|
0.00 |
0.00 |
0.00 |
4.79 |
15.61 |
11.64 |
11.99 |
Enterprise Value to Operating Cash Flow (EV/OCF) |
|
0.00 |
0.00 |
0.00 |
3.59 |
8.63 |
8.74 |
10.29 |
Enterprise Value to Free Cash Flow (EV/FCFF) |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
2.81 |
0.00 |
Leverage & Solvency |
|
- |
- |
- |
- |
- |
- |
- |
Debt to Equity |
|
0.00 |
0.15 |
0.00 |
0.15 |
1.29 |
0.52 |
0.44 |
Long-Term Debt to Equity |
|
0.00 |
0.15 |
0.00 |
0.15 |
0.15 |
0.00 |
0.00 |
Financial Leverage |
|
0.00 |
0.15 |
0.07 |
0.08 |
0.69 |
0.88 |
0.48 |
Leverage Ratio |
|
0.00 |
10.86 |
11.01 |
11.87 |
13.91 |
14.45 |
12.55 |
Compound Leverage Factor |
|
0.00 |
10.86 |
11.01 |
11.87 |
13.91 |
14.45 |
12.55 |
Debt to Total Capital |
|
0.00% |
13.26% |
0.00% |
12.94% |
56.38% |
34.25% |
30.76% |
Short-Term Debt to Total Capital |
|
0.00% |
0.00% |
0.00% |
0.00% |
49.71% |
34.25% |
30.76% |
Long-Term Debt to Total Capital |
|
0.00% |
13.26% |
0.00% |
12.94% |
6.66% |
0.00% |
0.00% |
Preferred Equity to Total Capital |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
Noncontrolling Interests to Total Capital |
|
0.00% |
0.02% |
0.02% |
0.02% |
0.01% |
0.01% |
0.00% |
Common Equity to Total Capital |
|
0.00% |
86.71% |
99.98% |
87.04% |
43.61% |
65.73% |
69.24% |
Debt to EBITDA |
|
0.00 |
1.14 |
0.00 |
1.02 |
5.55 |
2.33 |
2.08 |
Net Debt to EBITDA |
|
0.00 |
-0.72 |
0.00 |
-3.00 |
5.01 |
1.63 |
1.68 |
Long-Term Debt to EBITDA |
|
0.00 |
1.14 |
0.00 |
1.02 |
0.66 |
0.00 |
0.00 |
Debt to NOPAT |
|
0.00 |
1.59 |
0.00 |
1.58 |
8.07 |
3.47 |
2.95 |
Net Debt to NOPAT |
|
0.00 |
-1.01 |
0.00 |
-4.66 |
7.29 |
2.44 |
2.38 |
Long-Term Debt to NOPAT |
|
0.00 |
1.59 |
0.00 |
1.58 |
0.95 |
0.00 |
0.00 |
Noncontrolling Interest Sharing Ratio |
|
0.00% |
0.03% |
0.03% |
0.02% |
0.02% |
0.02% |
0.01% |
Liquidity Ratios |
|
- |
- |
- |
- |
- |
- |
- |
Cash Flow Metrics |
|
- |
- |
- |
- |
- |
- |
- |
Free Cash Flow to Firm (FCFF) |
|
0.00 |
-518 |
76 |
-59 |
-437 |
364 |
-25 |
Operating Cash Flow to CapEx |
|
2,173.72% |
11,083.80% |
4,080.09% |
2,943.99% |
8,832.25% |
7,936.63% |
6,989.58% |
Free Cash Flow to Firm to Interest Expense |
|
0.00 |
-26.83 |
7.24 |
-9.47 |
-23.46 |
3.77 |
-0.21 |
Operating Cash Flow to Interest Expense |
|
2.18 |
4.32 |
6.28 |
11.34 |
7.90 |
1.21 |
1.04 |
Operating Cash Flow Less CapEx to Interest Expense |
|
2.08 |
4.28 |
6.12 |
10.95 |
7.81 |
1.20 |
1.03 |
Efficiency Ratios |
|
- |
- |
- |
- |
- |
- |
- |
Asset Turnover |
|
0.00 |
0.04 |
0.04 |
0.03 |
0.04 |
0.04 |
0.04 |
Fixed Asset Turnover |
|
0.00 |
11.02 |
14.35 |
16.40 |
24.43 |
32.91 |
44.48 |
Capital & Investment Metrics |
|
- |
- |
- |
- |
- |
- |
- |
Invested Capital |
|
0.00 |
566 |
536 |
648 |
1,167 |
890 |
1,022 |
Invested Capital Turnover |
|
0.00 |
0.69 |
0.40 |
0.34 |
0.29 |
0.28 |
0.33 |
Increase / (Decrease) in Invested Capital |
|
0.00 |
566 |
-30 |
112 |
519 |
-276 |
132 |
Enterprise Value (EV) |
|
0.00 |
0.00 |
0.00 |
253 |
1,272 |
1,024 |
1,276 |
Market Capitalization |
|
0.00 |
0.00 |
0.00 |
500 |
678 |
809 |
1,023 |
Book Value per Share |
|
$0.00 |
$0.00 |
$17.22 |
$18.13 |
$16.59 |
$19.26 |
$23.07 |
Tangible Book Value per Share |
|
$0.00 |
$0.00 |
$16.63 |
$17.58 |
$16.07 |
$18.76 |
$22.60 |
Total Capital |
|
0.00 |
566 |
536 |
648 |
1,167 |
890 |
1,022 |
Total Debt |
|
0.00 |
75 |
0.00 |
84 |
658 |
305 |
314 |
Total Long-Term Debt |
|
0.00 |
75 |
0.00 |
84 |
78 |
0.00 |
0.00 |
Net Debt |
|
0.00 |
-48 |
-39 |
-247 |
594 |
214 |
254 |
Capital Expenditures (CapEx) |
|
1.43 |
0.75 |
1.61 |
2.40 |
1.67 |
1.48 |
1.78 |
Net Nonoperating Expense (NNE) |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Net Nonoperating Obligations (NNO) |
|
0.00 |
75 |
0.00 |
84 |
658 |
305 |
314 |
Total Depreciation and Amortization (D&A) |
|
3.94 |
1.63 |
13 |
11 |
10 |
6.40 |
5.43 |
Earnings Adjustments |
|
- |
- |
- |
- |
- |
- |
- |
Adjusted Basic Earnings per Share |
|
$0.00 |
$0.00 |
$1.48 |
$1.70 |
$2.64 |
$2.88 |
$3.48 |
Adjusted Weighted Average Basic Shares Outstanding |
|
0.00 |
0.00 |
31.12M |
31.12M |
30.74M |
30.51M |
30.69M |
Adjusted Diluted Earnings per Share |
|
$0.00 |
$0.00 |
$1.48 |
$1.68 |
$2.61 |
$2.86 |
$3.44 |
Adjusted Weighted Average Diluted Shares Outstanding |
|
0.00 |
0.00 |
31.12M |
31.12M |
30.74M |
30.51M |
30.69M |
Adjusted Basic & Diluted Earnings per Share |
|
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
Adjusted Weighted Average Basic & Diluted Shares Outstanding |
|
0.00 |
0.00 |
31.12M |
31.12M |
30.74M |
30.51M |
30.69M |
Normalized Net Operating Profit after Tax (NOPAT) |
|
45 |
47 |
46 |
53 |
81 |
88 |
106 |
Normalized NOPAT Margin |
|
25.08% |
24.10% |
20.94% |
26.12% |
30.89% |
30.27% |
33.72% |
Pre Tax Income Margin |
|
28.26% |
32.77% |
28.08% |
34.89% |
41.01% |
42.91% |
46.12% |
Debt Service Ratios |
|
- |
- |
- |
- |
- |
- |
- |
EBIT to Interest Expense |
|
3.54 |
3.32 |
5.91 |
11.37 |
5.80 |
1.29 |
1.22 |
NOPAT to Interest Expense |
|
3.14 |
2.44 |
4.41 |
8.51 |
4.37 |
0.91 |
0.90 |
EBIT Less CapEx to Interest Expense |
|
3.44 |
3.28 |
5.76 |
10.98 |
5.71 |
1.27 |
1.21 |
NOPAT Less CapEx to Interest Expense |
|
3.04 |
2.40 |
4.25 |
8.12 |
4.28 |
0.89 |
0.88 |
Payout Ratios |
|
- |
- |
- |
- |
- |
- |
- |
Dividend Payout Ratio |
|
4.32% |
17.59% |
21.62% |
18.85% |
13.76% |
14.02% |
13.37% |
Augmented Payout Ratio |
|
4.32% |
29.84% |
36.78% |
24.36% |
31.41% |
24.87% |
16.53% |
Quarterly Metrics And Ratios for Amalgamated Financial
This table displays calculated financial ratios and metrics derived from Amalgamated Financial's official financial filings.
Metric |
|
Q4 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Q2 2025 |
Growth Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Revenue Growth |
|
20.41% |
29.93% |
11.27% |
-2.92% |
7.20% |
7.97% |
10.60% |
14.95% |
1.51% |
-1.64% |
3.17% |
EBITDA Growth |
|
44.05% |
40.13% |
4.73% |
-1.56% |
8.99% |
33.81% |
16.92% |
21.61% |
-7.68% |
-13.71% |
-1.66% |
EBIT Growth |
|
51.47% |
51.32% |
11.23% |
0.47% |
11.54% |
33.29% |
21.44% |
22.72% |
-6.13% |
-9.83% |
-0.89% |
NOPAT Growth |
|
55.46% |
50.64% |
10.35% |
-2.77% |
-8.34% |
27.70% |
23.62% |
25.26% |
7.93% |
-8.15% |
-2.86% |
Net Income Growth |
|
55.46% |
50.64% |
10.35% |
-2.77% |
-8.34% |
27.70% |
23.62% |
25.26% |
7.93% |
-8.15% |
-2.86% |
EPS Growth |
|
58.00% |
53.33% |
11.11% |
-1.35% |
-6.33% |
28.99% |
24.29% |
23.29% |
5.41% |
-8.99% |
-3.45% |
Operating Cash Flow Growth |
|
209.67% |
104.32% |
-46.59% |
52.13% |
-71.14% |
-10.30% |
2.78% |
-10.09% |
89.37% |
9.44% |
-11.04% |
Free Cash Flow Firm Growth |
|
-415.00% |
-79.44% |
-1,520.84% |
-208.39% |
160.51% |
103.47% |
159.34% |
159.60% |
-135.87% |
-785.55% |
-158.99% |
Invested Capital Growth |
|
80.12% |
20.02% |
43.04% |
32.90% |
-23.69% |
3.24% |
-13.10% |
-9.91% |
14.80% |
6.48% |
14.66% |
Revenue Q/Q Growth |
|
-1.46% |
1.28% |
-2.15% |
-0.59% |
8.81% |
2.01% |
0.24% |
3.31% |
-3.90% |
-1.16% |
5.13% |
EBITDA Q/Q Growth |
|
-0.15% |
-9.14% |
2.33% |
6.04% |
10.54% |
11.55% |
-10.58% |
10.29% |
-16.08% |
4.26% |
2.28% |
EBIT Q/Q Growth |
|
1.80% |
-8.44% |
1.93% |
5.75% |
13.02% |
9.41% |
-7.14% |
6.86% |
-13.55% |
5.09% |
2.08% |
NOPAT Q/Q Growth |
|
7.89% |
-13.80% |
1.42% |
3.08% |
1.71% |
20.09% |
-1.82% |
4.44% |
-12.35% |
2.20% |
3.84% |
Net Income Q/Q Growth |
|
7.89% |
-13.80% |
1.42% |
3.08% |
1.71% |
20.09% |
-1.82% |
4.44% |
-12.35% |
2.20% |
3.84% |
EPS Q/Q Growth |
|
6.76% |
-12.66% |
1.45% |
4.29% |
1.37% |
20.27% |
-2.25% |
3.45% |
-13.33% |
3.85% |
3.70% |
Operating Cash Flow Q/Q Growth |
|
102.89% |
-34.33% |
-21.79% |
45.98% |
-61.51% |
104.10% |
-10.38% |
27.70% |
-18.93% |
17.95% |
-27.15% |
Free Cash Flow Firm Q/Q Growth |
|
-709.07% |
79.58% |
-126.70% |
17.67% |
258.76% |
-98.83% |
3,778.01% |
-17.31% |
-195.55% |
77.63% |
-233.69% |
Invested Capital Q/Q Growth |
|
82.17% |
-37.18% |
13.57% |
2.25% |
4.60% |
-15.01% |
-4.40% |
6.00% |
33.29% |
-21.17% |
2.95% |
Profitability Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBITDA Margin |
|
46.81% |
41.99% |
43.91% |
46.84% |
47.59% |
52.04% |
46.42% |
49.56% |
43.28% |
45.65% |
44.42% |
EBIT Margin |
|
44.11% |
39.87% |
41.53% |
44.19% |
45.90% |
49.22% |
45.60% |
47.17% |
42.44% |
45.12% |
43.81% |
Profit (Net Income) Margin |
|
34.59% |
29.44% |
30.51% |
31.64% |
29.57% |
34.82% |
34.10% |
34.48% |
31.44% |
32.51% |
32.11% |
Tax Burden Percent |
|
78.42% |
73.83% |
73.46% |
71.60% |
64.44% |
70.73% |
74.78% |
73.08% |
74.09% |
72.05% |
73.29% |
Interest Burden Percent |
|
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
Effective Tax Rate |
|
21.58% |
26.17% |
26.54% |
28.40% |
35.56% |
29.27% |
25.22% |
26.92% |
25.91% |
27.95% |
26.71% |
Return on Invested Capital (ROIC) |
|
10.06% |
12.29% |
12.41% |
12.11% |
8.36% |
13.86% |
13.33% |
13.40% |
10.38% |
13.08% |
13.10% |
ROIC Less NNEP Spread (ROIC-NNEP) |
|
10.06% |
12.29% |
12.41% |
12.11% |
8.36% |
13.86% |
13.33% |
13.40% |
10.38% |
13.08% |
13.10% |
Return on Net Nonoperating Assets (RNNOA) |
|
6.95% |
3.50% |
4.69% |
5.36% |
7.35% |
4.31% |
4.32% |
4.02% |
4.97% |
2.02% |
1.43% |
Return on Equity (ROE) |
|
17.01% |
15.79% |
17.10% |
17.47% |
15.71% |
18.17% |
17.65% |
17.42% |
15.35% |
15.11% |
14.53% |
Cash Return on Invested Capital (CROIC) |
|
-48.22% |
-5.00% |
-22.59% |
-16.18% |
35.43% |
9.42% |
26.74% |
23.36% |
-2.65% |
7.06% |
-0.34% |
Operating Return on Assets (OROA) |
|
1.56% |
1.44% |
1.52% |
1.60% |
1.69% |
1.83% |
1.73% |
1.82% |
1.65% |
1.73% |
1.65% |
Return on Assets (ROA) |
|
1.22% |
1.07% |
1.12% |
1.15% |
1.09% |
1.29% |
1.29% |
1.33% |
1.22% |
1.24% |
1.21% |
Return on Common Equity (ROCE) |
|
17.00% |
15.78% |
17.09% |
17.47% |
15.71% |
18.16% |
17.64% |
17.42% |
15.35% |
15.11% |
14.53% |
Return on Equity Simple (ROE_SIMPLE) |
|
0.00% |
17.08% |
17.16% |
16.49% |
0.00% |
15.22% |
15.33% |
14.99% |
0.00% |
14.16% |
13.72% |
Net Operating Profit after Tax (NOPAT) |
|
25 |
21 |
22 |
22 |
23 |
27 |
27 |
28 |
24 |
25 |
26 |
NOPAT Margin |
|
34.59% |
29.44% |
30.51% |
31.64% |
29.57% |
34.82% |
34.10% |
34.48% |
31.44% |
32.51% |
32.11% |
Net Nonoperating Expense Percent (NNEP) |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
SG&A Expenses to Revenue |
|
39.43% |
43.52% |
41.89% |
42.63% |
39.09% |
39.64% |
41.28% |
41.08% |
43.24% |
41.93% |
40.30% |
Operating Expenses to Revenue |
|
49.70% |
53.29% |
52.91% |
52.96% |
49.21% |
48.75% |
50.37% |
50.54% |
52.83% |
54.10% |
50.14% |
Earnings before Interest and Taxes (EBIT) |
|
32 |
29 |
29 |
31 |
35 |
39 |
36 |
38 |
33 |
35 |
35 |
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA) |
|
34 |
30 |
31 |
33 |
37 |
41 |
36 |
40 |
34 |
35 |
36 |
Valuation Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Price to Book Value (P/BV) |
|
1.33 |
1.02 |
0.92 |
0.95 |
1.38 |
1.19 |
1.30 |
1.37 |
1.45 |
1.19 |
1.26 |
Price to Tangible Book Value (P/TBV) |
|
1.38 |
1.06 |
0.94 |
0.97 |
1.42 |
1.22 |
1.33 |
1.40 |
1.48 |
1.22 |
1.29 |
Price to Revenue (P/Rev) |
|
2.57 |
1.90 |
1.68 |
1.81 |
2.79 |
2.48 |
2.77 |
3.05 |
3.24 |
2.79 |
3.01 |
Price to Earnings (P/E) |
|
8.32 |
5.99 |
5.34 |
5.74 |
9.20 |
7.84 |
8.49 |
9.16 |
9.61 |
8.42 |
9.21 |
Dividend Yield |
|
1.99% |
2.66% |
2.53% |
2.37% |
1.52% |
1.67% |
1.53% |
1.41% |
1.38% |
1.75% |
1.67% |
Earnings Yield |
|
12.02% |
16.68% |
18.72% |
17.42% |
10.87% |
12.75% |
11.78% |
10.91% |
10.41% |
11.87% |
10.86% |
Enterprise Value to Invested Capital (EV/IC) |
|
1.09 |
0.84 |
0.87 |
0.80 |
1.15 |
0.95 |
1.19 |
1.15 |
1.25 |
1.09 |
1.03 |
Enterprise Value to Revenue (EV/Rev) |
|
4.82 |
2.19 |
2.51 |
2.39 |
3.52 |
2.43 |
2.83 |
2.79 |
4.04 |
2.80 |
2.70 |
Enterprise Value to EBITDA (EV/EBITDA) |
|
10.73 |
4.83 |
5.62 |
5.32 |
7.81 |
5.10 |
5.86 |
5.71 |
8.45 |
6.06 |
5.92 |
Enterprise Value to EBIT (EV/EBIT) |
|
11.76 |
5.21 |
5.97 |
5.63 |
8.21 |
5.36 |
6.11 |
5.94 |
8.77 |
6.22 |
6.06 |
Enterprise Value to NOPAT (EV/NOPAT) |
|
15.61 |
6.93 |
7.97 |
7.57 |
11.64 |
7.68 |
8.69 |
8.39 |
11.99 |
8.46 |
8.28 |
Enterprise Value to Operating Cash Flow (EV/OCF) |
|
8.63 |
3.72 |
5.11 |
4.40 |
8.74 |
6.34 |
7.52 |
7.96 |
10.29 |
6.94 |
6.91 |
Enterprise Value to Free Cash Flow (EV/FCFF) |
|
0.00 |
0.00 |
0.00 |
0.00 |
2.81 |
10.28 |
4.13 |
4.65 |
0.00 |
15.98 |
0.00 |
Leverage & Solvency |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Debt to Equity |
|
1.29 |
0.41 |
0.57 |
0.56 |
0.52 |
0.23 |
0.12 |
0.10 |
0.44 |
0.09 |
0.10 |
Long-Term Debt to Equity |
|
0.15 |
0.41 |
0.14 |
0.14 |
0.00 |
0.11 |
0.11 |
0.00 |
0.00 |
0.00 |
0.00 |
Financial Leverage |
|
0.69 |
0.28 |
0.38 |
0.44 |
0.88 |
0.31 |
0.32 |
0.30 |
0.48 |
0.15 |
0.11 |
Leverage Ratio |
|
13.91 |
14.81 |
15.33 |
15.26 |
14.45 |
14.06 |
13.66 |
13.12 |
12.55 |
12.14 |
12.05 |
Compound Leverage Factor |
|
13.91 |
14.81 |
15.33 |
15.26 |
14.45 |
14.06 |
13.66 |
13.12 |
12.55 |
12.14 |
12.05 |
Debt to Total Capital |
|
56.38% |
29.16% |
36.49% |
35.81% |
34.25% |
18.46% |
10.68% |
8.93% |
30.76% |
8.65% |
9.10% |
Short-Term Debt to Total Capital |
|
49.71% |
0.00% |
27.63% |
27.02% |
34.25% |
9.14% |
1.26% |
8.93% |
30.76% |
8.65% |
9.10% |
Long-Term Debt to Total Capital |
|
6.66% |
29.16% |
8.86% |
8.79% |
0.00% |
9.33% |
9.42% |
0.00% |
0.00% |
0.00% |
0.00% |
Preferred Equity to Total Capital |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
Noncontrolling Interests to Total Capital |
|
0.01% |
0.02% |
0.02% |
0.02% |
0.01% |
0.02% |
0.02% |
0.02% |
0.00% |
0.00% |
0.00% |
Common Equity to Total Capital |
|
43.61% |
70.82% |
63.49% |
64.17% |
65.73% |
81.52% |
89.30% |
91.06% |
69.24% |
91.35% |
90.90% |
Debt to EBITDA |
|
5.55 |
1.68 |
2.36 |
2.38 |
2.33 |
0.99 |
0.53 |
0.44 |
2.08 |
0.48 |
0.52 |
Net Debt to EBITDA |
|
5.01 |
0.65 |
1.85 |
1.28 |
1.63 |
-0.11 |
0.13 |
-0.53 |
1.68 |
0.03 |
-0.66 |
Long-Term Debt to EBITDA |
|
0.66 |
1.68 |
0.57 |
0.58 |
0.00 |
0.50 |
0.46 |
0.00 |
0.00 |
0.00 |
0.00 |
Debt to NOPAT |
|
8.07 |
2.41 |
3.35 |
3.39 |
3.47 |
1.49 |
0.78 |
0.65 |
2.95 |
0.67 |
0.73 |
Net Debt to NOPAT |
|
7.29 |
0.93 |
2.63 |
1.83 |
2.44 |
-0.17 |
0.19 |
-0.77 |
2.38 |
0.04 |
-0.92 |
Long-Term Debt to NOPAT |
|
0.95 |
2.41 |
0.81 |
0.83 |
0.00 |
0.75 |
0.69 |
0.00 |
0.00 |
0.00 |
0.00 |
Noncontrolling Interest Sharing Ratio |
|
0.02% |
0.03% |
0.03% |
0.03% |
0.02% |
0.02% |
0.02% |
0.02% |
0.01% |
0.01% |
0.01% |
Liquidity Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Cash Flow Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Free Cash Flow to Firm (FCFF) |
|
-494 |
-101 |
-229 |
-188 |
299 |
3.50 |
136 |
112 |
-107 |
-24 |
-80 |
Operating Cash Flow to CapEx |
|
29,320.99% |
13,252.09% |
4,700.00% |
10,583.51% |
5,936.82% |
15,102.42% |
11,435.92% |
6,116.07% |
3,930.35% |
1,951.74% |
0.00% |
Free Cash Flow to Firm to Interest Expense |
|
-44.13 |
-5.72 |
-9.98 |
-6.85 |
10.43 |
0.12 |
4.56 |
3.66 |
-3.64 |
-0.80 |
-2.57 |
Operating Cash Flow to Interest Expense |
|
4.74 |
1.97 |
1.19 |
1.45 |
0.53 |
1.08 |
0.94 |
1.17 |
0.98 |
1.14 |
0.80 |
Operating Cash Flow Less CapEx to Interest Expense |
|
4.72 |
1.96 |
1.16 |
1.43 |
0.53 |
1.07 |
0.93 |
1.15 |
0.96 |
1.08 |
0.82 |
Efficiency Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Asset Turnover |
|
0.04 |
0.04 |
0.04 |
0.04 |
0.04 |
0.04 |
0.04 |
0.04 |
0.04 |
0.04 |
0.04 |
Fixed Asset Turnover |
|
24.43 |
26.83 |
29.05 |
30.10 |
32.91 |
36.20 |
39.14 |
42.38 |
44.48 |
43.38 |
41.09 |
Capital & Investment Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Invested Capital |
|
1,167 |
733 |
832 |
851 |
890 |
757 |
723 |
767 |
1,022 |
806 |
829 |
Invested Capital Turnover |
|
0.29 |
0.42 |
0.41 |
0.38 |
0.28 |
0.40 |
0.39 |
0.39 |
0.33 |
0.40 |
0.41 |
Increase / (Decrease) in Invested Capital |
|
519 |
122 |
250 |
211 |
-276 |
24 |
-109 |
-84 |
132 |
49 |
106 |
Enterprise Value (EV) |
|
1,272 |
614 |
722 |
682 |
1,024 |
721 |
860 |
878 |
1,276 |
882 |
857 |
Market Capitalization |
|
678 |
531 |
484 |
517 |
809 |
736 |
840 |
959 |
1,023 |
878 |
952 |
Book Value per Share |
|
$16.59 |
$16.89 |
$17.26 |
$17.93 |
$19.26 |
$20.22 |
$21.16 |
$22.78 |
$23.07 |
$23.98 |
$24.65 |
Tangible Book Value per Share |
|
$16.07 |
$16.37 |
$16.75 |
$17.43 |
$18.76 |
$19.73 |
$20.68 |
$22.31 |
$22.60 |
$23.52 |
$24.19 |
Total Capital |
|
1,167 |
733 |
832 |
851 |
890 |
757 |
723 |
767 |
1,022 |
806 |
829 |
Total Debt |
|
658 |
214 |
304 |
305 |
305 |
140 |
77 |
68 |
314 |
70 |
75 |
Total Long-Term Debt |
|
78 |
214 |
74 |
75 |
0.00 |
71 |
68 |
0.00 |
0.00 |
0.00 |
0.00 |
Net Debt |
|
594 |
83 |
238 |
165 |
214 |
-15 |
19 |
-81 |
254 |
3.96 |
-96 |
Capital Expenditures (CapEx) |
|
0.18 |
0.26 |
0.58 |
0.38 |
0.26 |
0.21 |
0.25 |
0.59 |
0.74 |
1.75 |
-0.71 |
Net Nonoperating Expense (NNE) |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Net Nonoperating Obligations (NNO) |
|
658 |
214 |
304 |
305 |
305 |
140 |
77 |
68 |
314 |
70 |
75 |
Total Depreciation and Amortization (D&A) |
|
1.93 |
1.54 |
1.69 |
1.87 |
1.30 |
2.20 |
0.64 |
1.93 |
0.66 |
0.41 |
0.49 |
Earnings Adjustments |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Adjusted Basic Earnings per Share |
|
$0.79 |
$0.69 |
$0.71 |
$0.73 |
$0.75 |
$0.89 |
$0.88 |
$0.91 |
$0.80 |
$0.82 |
$0.85 |
Adjusted Weighted Average Basic Shares Outstanding |
|
30.74M |
30.61M |
30.46M |
30.39M |
30.51M |
30.52M |
30.64M |
30.67M |
30.69M |
30.59M |
30.11M |
Adjusted Diluted Earnings per Share |
|
$0.79 |
$0.69 |
$0.70 |
$0.73 |
$0.74 |
$0.89 |
$0.87 |
$0.90 |
$0.78 |
$0.81 |
$0.84 |
Adjusted Weighted Average Diluted Shares Outstanding |
|
30.74M |
30.61M |
30.46M |
30.39M |
30.51M |
30.52M |
30.64M |
30.67M |
30.69M |
30.59M |
30.11M |
Adjusted Basic & Diluted Earnings per Share |
|
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
Adjusted Weighted Average Basic & Diluted Shares Outstanding |
|
30.74M |
30.61M |
30.46M |
30.39M |
30.51M |
30.52M |
30.64M |
30.67M |
30.69M |
30.59M |
30.11M |
Normalized Net Operating Profit after Tax (NOPAT) |
|
25 |
21 |
22 |
22 |
23 |
27 |
27 |
28 |
24 |
25 |
26 |
Normalized NOPAT Margin |
|
34.59% |
29.44% |
30.51% |
31.64% |
29.57% |
34.82% |
34.10% |
34.48% |
31.44% |
32.51% |
32.11% |
Pre Tax Income Margin |
|
44.11% |
39.87% |
41.53% |
44.19% |
45.90% |
49.22% |
45.60% |
47.17% |
42.44% |
45.12% |
43.81% |
Debt Service Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBIT to Interest Expense |
|
2.82 |
1.64 |
1.28 |
1.13 |
1.23 |
1.33 |
1.20 |
1.25 |
1.12 |
1.15 |
1.14 |
NOPAT to Interest Expense |
|
2.21 |
1.21 |
0.94 |
0.81 |
0.79 |
0.94 |
0.90 |
0.91 |
0.83 |
0.83 |
0.83 |
EBIT Less CapEx to Interest Expense |
|
2.80 |
1.62 |
1.26 |
1.12 |
1.22 |
1.33 |
1.19 |
1.23 |
1.10 |
1.10 |
1.16 |
NOPAT Less CapEx to Interest Expense |
|
2.19 |
1.19 |
0.92 |
0.80 |
0.78 |
0.94 |
0.89 |
0.89 |
0.81 |
0.77 |
0.86 |
Payout Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Dividend Payout Ratio |
|
13.76% |
13.31% |
13.76% |
13.84% |
14.02% |
13.17% |
13.10% |
13.00% |
13.37% |
14.78% |
15.61% |
Augmented Payout Ratio |
|
31.41% |
29.01% |
21.61% |
23.46% |
24.87% |
21.24% |
19.08% |
16.38% |
16.53% |
22.63% |
32.27% |
Key Financial Trends
Amalgamated Financial (NASDAQ: AMAL) has demonstrated solid financial performance over the past four years through Q2 2025, marked by consistent growth in net income and stable operating cash flows. Here are the key takeaways from the quarterly financial statements:
- Consistent Growth in Net Income: Net income has steadily increased from $19.6 million in Q2 2022 to $25.99 million in Q2 2025. Earnings per share also improved from $0.64 to $0.85 over the same period, reflecting effective profitability enhancements.
- Robust Net Interest Income: Net interest income grew from around $56 million in Q2 2022 to approximately $73 million in Q2 2025, driven by increased loans and investment securities interest income.
- Operating Cash Flow Strength: Net cash from operating activities remained positive and substantial, marked by $24.9 million in Q2 2025, supporting the firm's capacity to fund operations and investments.
- Expansion of Loan Portfolio: Loans and leases grew significantly from about $3.65 billion in Q2 2022 to over $4.7 billion by Q2 2025, highlighting the company's growing lending business.
- Growing Deposits Base: Deposits increased from approximately $7.3 billion in Q2 2022 to $7.7 billion in Q2 2025, indicating strong customer confidence and funding stability.
- Investment Securities Activity: The company has been active in buying and selling investment securities, with large purchases and sales impacting investing cash flows, reflecting an active portfolio management strategy.
- Equity Activities: Issuance and repurchase of common equity occur regularly, suggesting ongoing capital management initiatives to optimize shareholder value.
- Dividends Consistent but Modest: Cash dividends per share gradually increased from $0.08 in early 2022 to $0.14 in Q2 2025, reflecting a moderate return to shareholders.
- Provision for Credit Losses Fluctuations: Provisions for credit losses varied over quarters, peaking in some periods, which may indicate changing credit risk conditions or loan portfolio quality concerns.
- Higher Operating Expenses Over Time: Salaries, employee benefits, and other operating expenses have generally increased, which could pressure net margins if not offset by revenue growth.
Summary: Amalgamated Financial exhibits healthy growth in earnings and revenue, supported by an expanding loan portfolio and a strong deposit base. The company maintains solid operational cash flow and manages capital efficiently with balanced equity activities and a steady dividend. However, the provision for credit losses volatility and rising operating expenses warrant monitoring as they may affect future profitability. Overall, the firm’s financials suggest a stable and steadily growing regional financial institution with prudent risk management.
08/29/25 05:41 AM ETAI Generated. May Contain Errors.