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Amalgamated Financial (AMAL) Financials

Amalgamated Financial logo
$42.06 +0.72 (+1.73%)
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Annual Income Statements for Amalgamated Financial

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.

Metric 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 45 47 46 53 81 88 106 104
Consolidated Net Income / (Loss)		 45 47 46 53 81 88 106 104
Net Income / (Loss) Continuing Operations		 45 47 46 53 81 88 106 104
Total Pre-Tax Income 		50 64 62 71 108 125 146 140
Total Revenue		 178 196 221 203 264 291 316 329
Net Interest Income / (Expense)		 150 167 180 174 240 261 282 298
Total Interest Income		 164 186 190 181 258 358 401 422
Loans and Leases Interest Income		 130 140 142 123 146 191 215 241
Investment Securities Interest Income		 33 45 48 57 111 161 177 176
Deposits and Money Market Investments Interest Income		 1.44 0.95 0.70 0.65 2.19 5.78 8.67 5.34
Total Interest Expense		 14 19 10 6.22 19 97 119 124
Deposits Interest Expense		 9.57 14 10 5.82 11 81 113 122
Long-Term Debt Interest Expense		 4.65 4.86 0.03 0.40 7.59 16 5.41 2.89
Total Non-Interest Income		 28 29 41 28 24 29 33 31
Service Charges on Deposit Accounts		 8.18 8.54 9.20 9.36 11 11 32 18
Other Service Charges		 0.87 0.88 2.04 1.02 1.77 2.71 2.08 2.02
Net Realized & Unrealized Capital Gains on Investments		 -1.19 -0.47 11 2.28 -7.19 -2.43 -19 -7.88
Investment Banking Income		 19 19 15 13 14 15 15 16
Other Non-Interest Income		 1.67 1.65 3.09 2.39 3.87 2.88 2.50 3.12
Provision for Credit Losses		 -0.26 3.84 25 -0.29 15 15 10 16
Total Non-Interest Expense		 128 128 134 132 141 151 160 172
Salaries and Employee Benefits		 67 70 69 70 75 86 94 99
Net Occupancy & Equipment Expense		 28 29 34 30 31 31 33 37
Marketing Expense		 3.40 2.91 3.51 3.23 3.74 4.18 3.73 2.35
Property & Liability Insurance Claims		 - - 3.15 2.53 3.23 4.02 3.72 3.78
Other Operating Expenses		 25 21 19 22 23 22 22 27
Depreciation Expense		 3.64 3.54 3.31 3.06 3.01 2.83 2.47 2.15
Amortization Expense		 0.97 1.37 1.37 1.21 1.05 0.89 0.73 0.57
Income Tax Expense		 5.67 17 16 18 27 37 39 36
Basic Earnings per Share		 $1.47 $1.49 $1.48 $1.70 $2.64 $2.88 $3.48 $3.44
Weighted Average Basic Shares Outstanding		 - - 31.12M 31.12M 30.74M 30.51M 30.69M 29.83M
Diluted Earnings per Share		 $1.46 $1.47 $1.48 $1.68 $2.61 $2.86 $3.44 $3.41
Weighted Average Diluted Shares Outstanding		 - - 31.12M 31.12M 30.74M 30.51M 30.69M 29.83M
Weighted Average Basic & Diluted Shares Outstanding		 - - 31.12M 31.12M 30.74M 30.51M 30.69M 29.83M

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 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025
Period end date 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 22 22 23 27 27 28 24 25 26 27 27
Consolidated Net Income / (Loss)		 22 22 23 27 27 28 24 25 26 27 27
Net Income / (Loss) Continuing Operations		 22 22 23 27 27 28 24 25 26 27 27
Total Pre-Tax Income 		29 31 35 39 36 38 33 35 35 37 33
Total Revenue		 71 71 77 78 78 81 78 77 81 86 85
Net Interest Income / (Expense)		 63 64 67 68 69 72 73 71 73 76 78
Total Interest Income		 86 91 96 97 99 103 103 101 104 110 108
Loans and Leases Interest Income		 45 50 52 52 51 54 58 58 59 62 62
Investment Securities Interest Income		 40 40 42 42 45 46 43 42 44 46 45
Deposits and Money Market Investments Interest Income		 1.06 1.69 2.42 2.59 2.69 2.27 1.11 1.19 1.64 1.24 1.27
Total Interest Expense		 23 28 29 29 30 31 29 30 31 33 30
Deposits Interest Expense		 19 23 25 26 29 30 29 29 31 33 29
Long-Term Debt Interest Expense		 4.12 4.35 3.35 3.01 0.89 0.60 0.91 1.20 0.60 0.56 0.54
Total Non-Interest Income		 7.94 6.78 9.40 10 9.26 8.94 4.79 6.41 8.03 9.16 7.35
Service Charges on Deposit Accounts		 2.71 2.73 3.10 6.14 8.61 12 5.34 3.44 3.87 4.26 5.93
Other Service Charges		 0.39 0.77 0.58 0.29 0.55 0.81 0.44 0.51 0.45 0.44 0.62
Net Realized & Unrealized Capital Gains on Investments		 0.29 -1.12 1.33 -0.66 -4.17 -8.28 -5.62 -2.36 -0.97 -0.56 -4.00
Investment Banking Income		 4.01 3.68 3.56 3.85 3.66 3.70 3.97 4.19 3.88 3.97 4.14
Other Non-Interest Income		 0.55 0.73 0.83 0.61 0.62 0.61 0.66 0.63 0.80 1.05 0.65
Provision for Credit Losses		 3.94 2.01 3.76 1.59 3.16 1.85 3.69 0.60 4.89 5.30 5.54
Total Non-Interest Expense		 38 37 38 38 40 41 41 42 41 44 46
Salaries and Employee Benefits		 21 21 21 22 23 24 25 23 23 25 27
Net Occupancy & Equipment Expense		 7.52 7.89 7.99 7.53 8.17 8.51 8.68 8.91 8.96 9.43 10
Marketing Expense		 1.03 0.82 0.75 1.22 1.18 1.02 0.31 0.05 0.41 0.50 1.39
Property & Liability Insurance Claims		 1.10 1.20 1.00 1.05 1.05 0.90 0.72 0.90 0.90 1.00 0.98
Other Operating Expenses		 5.78 5.18 5.84 5.23 5.32 5.94 5.99 7.70 6.36 6.50 6.83
Depreciation Expense		 0.72 0.69 0.70 0.66 0.58 0.65 0.58 0.63 0.57 0.58 0.36
Amortization Expense		 0.22 0.22 0.22 0.18 0.18 0.18 0.18 0.14 0.14 0.14 0.14
Income Tax Expense		 7.82 8.85 13 11 9.02 10 8.56 9.71 9.47 9.90 6.63
Basic Earnings per Share		 $0.71 $0.73 $0.75 $0.89 $0.88 $0.91 $0.80 $0.82 $0.85 $0.89 $0.88
Weighted Average Basic Shares Outstanding		 30.46M 30.39M 30.51M 30.52M 30.64M 30.67M 30.69M 30.59M 30.11M 29.94M 29.83M
Diluted Earnings per Share		 $0.70 $0.73 $0.74 $0.89 $0.87 $0.90 $0.78 $0.81 $0.84 $0.88 $0.88
Weighted Average Diluted Shares Outstanding		 30.46M 30.39M 30.51M 30.52M 30.64M 30.67M 30.69M 30.59M 30.11M 29.94M 29.83M
Weighted Average Basic & Diluted Shares Outstanding		 30.46M 30.39M 30.51M 30.52M 30.64M 30.67M 30.69M 30.59M 30.11M 29.94M 29.83M

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 2025
Period end date 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -36 42 -84 292 -267 27 -30 230
Net Cash From Operating Activities		 31 83 66 71 147 117 124 136
Net Cash From Continuing Operating Activities		 31 83 66 71 147 117 124 136
Net Income / (Loss) Continuing Operations		 45 47 46 53 81 88 106 104
Consolidated Net Income / (Loss)		 45 47 46 53 81 88 106 104
Provision For Loan Losses		 -0.26 3.84 25 -0.29 15 15 10 16
Depreciation Expense		 4.20 4.63 6.19 3.64 9.30 5.51 4.70 6.22
Amortization Expense		 -0.26 -3.00 6.41 7.82 1.05 0.89 0.73 0.57
Non-Cash Adjustments to Reconcile Net Income		 11 6.45 -18 17 42 13 29 15
Changes in Operating Assets and Liabilities, net		 -28 24 0.51 -11 -1.25 -4.39 -27 -6.60
Net Cash From Investing Activities		 -258 -546 -755 -865 -1,202 -134 -316 -378
Net Cash From Continuing Investing Activities		 -258 -546 -755 -865 -1,202 -134 -316 -378
Purchase of Property, Leasehold Improvements and Equipment		 -1.43 -0.75 -1.61 -2.40 -1.67 -1.48 -1.78 -1.38
Purchase of Investment Securities		 -692 -771 -993 -1,699 -1,290 -356 -1,288 -1,119
Sale and/or Maturity of Investments		 435 576 276 668 915 540 972 1,084
Other Investing Activities, net		 - -350 -37 168 -826 -317 1.91 -342
Net Cash From Financing Activities		 192 504 606 1,087 788 44 162 473
Net Cash From Continuing Financing Activities		 192 504 606 1,088 788 44 162 473
Net Change in Deposits		 510 536 698 1,018 239 417 169 769
Issuance of Common Equity		 0.00 - - 0.00 0.67 0.80 0.79 1.39
Repayment of Debt		 -310 -18 0.00 84 574 -352 - -245
Repurchase of Common Equity		 0.00 -5.79 -7.00 -2.92 -14 -9.54 -3.36 -35
Payment of Dividends		 -1.93 -8.30 -9.99 -9.98 -11 -12 -14 -17
Other Financing Activities, Net		 -6.97 0.40 -0.14 - 0.00 0.00 -0.15 0.00
Cash Interest Paid		 15 19 11 6.04 18 86 129 124

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 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025
Period end date 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025
Net Change in Cash & Equivalents		 -65 75 -50 65 -97 91 -88 4.97 105 -56 176
Net Cash From Operating Activities		 27 40 15 31 28 36 29 34 25 39 37
Net Cash From Continuing Operating Activities		 27 40 15 31 28 36 29 34 25 39 37
Net Income / (Loss) Continuing Operations		 22 22 23 27 27 28 24 25 26 27 27
Consolidated Net Income / (Loss)		 22 22 23 27 27 28 24 25 26 27 27
Provision For Loan Losses		 3.94 2.01 3.76 1.59 3.16 1.85 3.69 0.60 4.89 5.30 5.54
Depreciation Expense		 0.90 0.88 2.86 2.02 0.77 0.77 2.27 0.27 0.34 0.11 5.51
Amortization Expense		 0.79 0.99 -1.56 0.18 -0.13 1.16 -1.62 0.14 0.14 0.14 0.14
Non-Cash Adjustments to Reconcile Net Income		 2.04 3.20 -1.22 6.21 5.09 7.94 9.54 6.24 1.67 4.71 2.20
Changes in Operating Assets and Liabilities, net		 -2.05 10 -11 -5.99 -7.77 -3.75 -9.37 1.94 -8.11 2.45 -2.88
Net Cash From Investing Activities		 -30 -57 -82 -91 -202 -78 55 -6.61 -232 -117 -22
Net Cash From Continuing Investing Activities		 -30 -57 -82 -91 -202 -78 55 -6.61 -232 -117 -22
Purchase of Property, Leasehold Improvements and Equipment		 -0.58 -0.38 -0.26 -0.21 -0.25 -0.59 -0.74 -1.75 0.71 -1.19 0.86
Purchase of Investment Securities		 -228 62 -418 -263 -387 -416 59 -169 -407 -403 -140
Sale and/or Maturity of Investments		 106 145 70 187 236 272 359 169 168 288 459
Other Investing Activities, net		 92 -264 266 -15 -50 67 -361 -4.67 5.58 -0.82 -342
Net Cash From Financing Activities		 -62 92 17 125 77 133 -173 -23 313 22 161
Net Cash From Continuing Financing Activities		 -62 92 17 125 77 133 -173 -23 313 22 161
Net Change in Deposits		 -147 96 21 294 143 146 -414 231 321 37 179
Issuance of Common Equity		 0.13 0.14 0.15 0.24 0.21 0.18 0.16 0.79 0.24 0.20 0.15
Repayment of Debt		 -347 344 - -165 -2.09 -228 240 -245 5.76 - -5.95
Repurchase of Common Equity		 -2.51 -2.78 -1.25 -1.04 -0.86 -0.39 -1.07 -5.85 -9.92 -11 -8.73
Payment of Dividends		 -3.14 -3.06 -3.06 -3.12 -3.74 -3.70 -3.68 -4.29 -4.48 -4.25 -4.19
Cash Interest Paid		 21 23 27 35 33 30 31 30 32 33 30

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 2025
Period end date 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 5,325 5,979 7,078 7,843 7,972 8,257 8,870
Cash and Due from Banks		 7.60 7.74 8.62 5.11 2.86 4.04 4.50
Interest Bearing Deposits at Other Banks		 115 31 322 58 88 57 287
Trading Account Securities		 1,520 2,212 3,196 3,396 3,245 3,285 3,397
Loans and Leases, Net of Allowance		 3,439 3,447 3,276 4,061 4,346 4,613 4,900
Loans and Leases		 3,473 3,489 3,312 4,106 4,411 4,673 4,957
Allowance for Loan and Lease Losses		 34 42 36 45 66 60 58
Accrued Investment Income		 19 24 29 41 55 61 65
Premises and Equipment, Net		 18 13 12 9.86 7.81 6.39 4.69
Goodwill		 13 13 13 13 13 13 13
Intangible Assets		 6.73 5.36 4.15 3.11 2.22 1.49 0.91
Other Assets		 188 225 217 255 213 216 198
Total Liabilities & Shareholders' Equity		 5,325 5,979 7,078 7,843 7,972 8,257 8,870
Total Liabilities		 4,835 5,443 6,514 7,334 7,387 7,549 8,075
Non-Interest Bearing Deposits		 4,641 5,339 6,356 6,595 7,012 7,181 7,949
Short-Term Debt		 - - - 580 305 314 70
Other Long-Term Liabilities		 119 104 74 81 70 54 57
Total Equity & Noncontrolling Interests		 491 536 564 509 585 708 794
Total Preferred & Common Equity		 490 536 564 509 585 708 794
Total Common Equity		 490 536 564 509 585 708 794
Common Stock		 306 301 298 287 289 289 294
Retained Earnings		 181 217 260 330 388 480 567
Treasury Stock		 - - - 0.00 -5.34 -2.82 -35
Accumulated Other Comprehensive Income / (Loss)		 3.23 17 5.41 -109 -86 -59 -32

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 Q3 2025
Period end date 6/30/2022 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025
Total Assets		 7,943 7,868 7,836 7,793 7,910 8,137 8,251 8,414 8,285 8,621 8,683
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 5.03
Interest Bearing Deposits at Other Banks		 326 63 126 61 135 151 54 145 62 167 111
Trading Account Securities		 3,719 3,668 1,668 3,249 3,187 3,350 3,507 3,504 3,331 3,523 3,565
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 4,732
Loans and Leases		 3,648 3,871 4,198 4,252 4,365 4,424 4,472 4,548 4,678 4,714 4,789
Allowance for Loan and Lease Losses		 39 42 67 67 68 64 63 61 58 59 56
Accrued Investment Income		 31 35 41 44 48 53 53 54 55 56 57
Premises and Equipment, Net		 11 11 9.25 8.93 8.43 7.13 6.60 6.41 7.37 8.82 6.17
Goodwill		 13 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 1.06
Other Assets		 224 243 5,971 225 214 196 203 199 192 194 193
Total Liabilities & Shareholders' Equity		 7,943 7,868 7,836 7,793 7,910 8,137 8,251 8,414 8,285 8,621 8,683
Total Liabilities		 7,445 7,380 7,317 7,264 7,363 7,520 7,605 7,715 7,549 7,867 7,907
Non-Interest Bearing Deposits		 7,291 7,160 7,041 6,895 6,991 7,306 7,449 7,595 7,412 7,733 7,770
Short-Term Debt		 - 75 - 230 230 69 9.14 68 70 75 75
Other Long-Term Liabilities		 70 67 62 66 68 74 78 52 67 59 62
Commitments & Contingencies		 - - - - - - - - 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 498 488 519 529 546 617 646 698 736 754 776
Total Preferred & Common Equity		 498 488 519 528 546 617 646 698 736 754 776
Total Common Equity		 498 488 519 528 546 617 646 698 736 754 776
Common Stock		 287 287 288 287 288 288 286 287 289 291 292
Retained Earnings		 289 309 331 349 368 412 435 459 501 522 545
Treasury Stock		 - - -2.15 -2.69 -4.85 -4.02 -1.97 -1.97 -6.33 -16 -26
Accumulated Other Comprehensive Income / (Loss)		 -78 -108 -97 -105 -105 -79 -74 -47 -47 -43 -35

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 2025
Period end date 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 - - - - - - - 29,936,320.00
DEI Adjusted Shares Outstanding		 - - - - - - - 29,936,320.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - 3.49
Growth Metrics		 - - - - - - - -
Revenue Growth		 0.00% 9.98% 12.65% -8.13% 30.12% 10.20% 8.60% 4.14%
EBITDA Growth		 0.00% 21.28% 13.28% 10.25% 44.21% 10.64% 15.17% -2.70%
EBIT Growth		 0.00% 27.53% -3.48% 14.18% 52.94% 15.32% 16.72% -3.73%
NOPAT Growth		 0.00% 5.71% -2.15% 14.61% 53.91% 7.98% 20.98% -1.87%
Net Income Growth		 0.00% 5.71% -2.15% 14.61% 53.91% 7.98% 20.98% -1.87%
EPS Growth		 0.00% 0.68% 0.68% 13.51% 55.36% 9.58% 20.28% -0.87%
Operating Cash Flow Growth		 0.00% 169.06% -21.20% 7.25% 108.85% -20.43% 5.84% 9.44%
Free Cash Flow Firm Growth		 0.00% 0.00% 114.65% -177.65% -642.15% 183.28% -106.95% 1,135.99%
Invested Capital Growth		 0.00% 0.00% -5.26% 20.88% 80.12% -23.69% 14.80% -15.46%
Revenue Q/Q Growth		 0.00% 0.00% 0.00% 1.88% 4.82% 1.80% 0.37% 2.28%
EBITDA Q/Q Growth		 0.00% 0.00% 0.00% 2.02% 9.46% 2.35% -1.82% 3.67%
EBIT Q/Q Growth		 0.00% 0.00% 0.00% 3.52% 11.01% 3.01% -1.46% 0.15%
NOPAT Q/Q Growth		 0.00% 0.00% 0.00% 4.20% 12.16% -2.29% 1.72% 2.10%
Net Income Q/Q Growth		 0.00% 0.00% 0.00% 4.20% 12.16% -2.29% 1.72% 2.10%
EPS Q/Q Growth		 0.00% 0.00% 0.00% 3.07% 12.50% -1.72% 1.18% 3.02%
Operating Cash Flow Q/Q Growth		 0.00% 0.00% 0.00% -29.32% 32.26% -24.36% 12.40% 6.38%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 0.00% 0.00% -3,743.95% 402.02% -113.41% 1,357.19%
Invested Capital Q/Q Growth		 0.00% 0.00% 0.00% 16.41% 82.17% 4.60% 33.29% 1.52%
Profitability Metrics		 - - - - - - - -
EBITDA Margin		 30.47% 33.60% 33.79% 40.55% 44.94% 45.12% 47.85% 44.70%
EBIT Margin		 28.26% 32.77% 28.08% 34.89% 41.01% 42.91% 46.12% 42.64%
Profit (Net Income) Margin		 25.08% 24.10% 20.94% 26.12% 30.89% 30.27% 33.72% 31.77%
Tax Burden Percent		 88.74% 73.55% 74.57% 74.85% 75.33% 70.53% 73.11% 74.52%
Interest Burden Percent		 100.00% 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% 25.48%
Return on Invested Capital (ROIC)		 0.00% 16.69% 8.39% 8.95% 8.98% 8.55% 11.13% 11.08%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 16.69% 8.39% 8.95% 8.98% 8.55% 11.13% 11.08%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 2.55% 0.61% 0.68% 6.21% 7.52% 5.33% 2.83%
Return on Equity (ROE)		 0.00% 19.24% 9.00% 9.63% 15.19% 16.08% 16.46% 13.91%
Cash Return on Invested Capital (CROIC)		 0.00% -183.31% 13.78% -9.96% -48.22% 35.43% -2.65% 27.84%
Operating Return on Assets (OROA)		 0.00% 1.21% 1.10% 1.08% 1.45% 1.58% 1.79% 1.64%
Return on Assets (ROA)		 0.00% 0.89% 0.82% 0.81% 1.09% 1.11% 1.31% 1.22%
Return on Common Equity (ROCE)		 0.00% 19.24% 9.00% 9.63% 15.19% 16.08% 16.46% 13.91%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 9.63% 8.62% 9.39% 16.01% 15.03% 15.04% 13.15%
Net Operating Profit after Tax (NOPAT)		 45 47 46 53 81 88 106 104
NOPAT Margin		 25.08% 24.10% 20.94% 26.12% 30.89% 30.27% 33.72% 31.77%
Net Nonoperating Expense Percent (NNEP)		 0.00% 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% 42.09%
Operating Expenses to Revenue		 71.89% 65.27% 60.69% 65.25% 53.30% 52.04% 50.62% 52.40%
Earnings before Interest and Taxes (EBIT)		 50 64 62 71 108 125 146 140
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 54 66 75 82 119 131 151 147
Valuation Ratios		 - - - - - - - -
Price to Book Value (P/BV)		 0.00 0.00 0.00 0.89 1.33 1.38 1.45 1.23
Price to Tangible Book Value (P/TBV)		 0.00 0.00 0.00 0.91 1.38 1.42 1.48 1.25
Price to Revenue (P/Rev)		 0.00 0.00 0.00 2.47 2.57 2.79 3.24 2.98
Price to Earnings (P/E)		 0.00 0.00 0.00 9.44 8.32 9.20 9.61 9.37
Dividend Yield		 0.34% 1.46% 2.48% 1.99% 1.99% 1.52% 1.38% 1.76%
Earnings Yield		 0.00% 0.00% 0.00% 10.59% 12.02% 10.87% 10.41% 10.68%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 0.00 0.39 1.09 1.15 1.25 0.88
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 0.00 1.25 4.82 3.52 4.04 2.30
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 3.08 10.73 7.81 8.45 5.15
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 3.58 11.76 8.21 8.77 5.40
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 4.79 15.61 11.64 11.99 7.24
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 0.00 3.59 8.63 8.74 10.29 5.57
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 2.81 0.00 2.88
Leverage & Solvency		 - - - - - - - -
Debt to Equity		 0.00 0.15 0.00 0.15 1.29 0.52 0.44 0.09
Long-Term Debt to Equity		 0.00 0.15 0.00 0.15 0.15 0.00 0.00 0.00
Financial Leverage		 0.00 0.15 0.07 0.08 0.69 0.88 0.48 0.26
Leverage Ratio		 0.00 10.86 11.01 11.87 13.91 14.45 12.55 11.40
Compound Leverage Factor		 0.00 10.86 11.01 11.87 13.91 14.45 12.55 11.40
Debt to Total Capital		 0.00% 13.26% 0.00% 12.94% 56.38% 34.25% 30.76% 8.05%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 49.71% 34.25% 30.76% 8.05%
Long-Term Debt to Total Capital		 0.00% 13.26% 0.00% 12.94% 6.66% 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%
Noncontrolling Interests to Total Capital		 0.00% 0.02% 0.02% 0.02% 0.01% 0.01% 0.00% 0.00%
Common Equity to Total Capital		 0.00% 86.71% 99.98% 87.04% 43.61% 65.73% 69.24% 91.95%
Debt to EBITDA		 0.00 1.14 0.00 1.02 5.55 2.33 2.08 0.47
Net Debt to EBITDA		 0.00 -0.72 0.00 -3.00 5.01 1.63 1.68 -1.51
Long-Term Debt to EBITDA		 0.00 1.14 0.00 1.02 0.66 0.00 0.00 0.00
Debt to NOPAT		 0.00 1.59 0.00 1.58 8.07 3.47 2.95 0.67
Net Debt to NOPAT		 0.00 -1.01 0.00 -4.66 7.29 2.44 2.38 -2.12
Long-Term Debt to NOPAT		 0.00 1.59 0.00 1.58 0.95 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.03% 0.03% 0.02% 0.02% 0.02% 0.01% 0.00%
Liquidity Ratios		 - - - - - - - -
Cash Flow Metrics		 - - - - - - - -
Free Cash Flow to Firm (FCFF)		 0.00 -518 76 -59 -437 364 -25 262
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% 9,846.41%
Free Cash Flow to Firm to Interest Expense		 0.00 -26.83 7.24 -9.47 -23.46 3.77 -0.21 2.11
Operating Cash Flow to Interest Expense		 2.18 4.32 6.28 11.34 7.90 1.21 1.04 1.09
Operating Cash Flow Less CapEx to Interest Expense		 2.08 4.28 6.12 10.95 7.81 1.20 1.03 1.08
Efficiency Ratios		 - - - - - - - -
Asset Turnover		 0.00 0.04 0.04 0.03 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 0.00 11.02 14.35 16.40 24.43 32.91 44.48 59.38
Capital & Investment Metrics		 - - - - - - - -
Invested Capital		 0.00 566 536 648 1,167 890 1,022 864
Invested Capital Turnover		 0.00 0.69 0.40 0.34 0.29 0.28 0.33 0.35
Increase / (Decrease) in Invested Capital		 0.00 566 -30 112 519 -276 132 -158
Enterprise Value (EV)		 0.00 0.00 0.00 253 1,272 1,024 1,276 757
Market Capitalization		 0.00 0.00 0.00 500 678 809 1,023 978
Book Value per Share		 $0.00 $0.00 $17.22 $18.13 $16.59 $19.26 $23.07 $26.54
Tangible Book Value per Share		 $0.00 $0.00 $16.63 $17.58 $16.07 $18.76 $22.60 $26.08
Total Capital		 0.00 566 536 648 1,167 890 1,022 864
Total Debt		 0.00 75 0.00 84 658 305 314 70
Total Long-Term Debt		 0.00 75 0.00 84 78 0.00 0.00 0.00
Net Debt		 0.00 -48 -39 -247 594 214 254 -222
Capital Expenditures (CapEx)		 1.43 0.75 1.61 2.40 1.67 1.48 1.78 1.38
Net Nonoperating Expense (NNE)		 0.00 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 70
Total Depreciation and Amortization (D&A)		 3.94 1.63 13 11 10 6.40 5.43 6.80
Earnings Adjustments		 - - - - - - - -
Adjusted Basic Earnings per Share		 $0.00 $0.00 $1.48 $1.70 $2.64 $2.88 $3.48 $3.44
Adjusted Weighted Average Basic Shares Outstanding		 0.00 0.00 31.12M 31.12M 30.74M 30.51M 30.69M 29.83M
Adjusted Diluted Earnings per Share		 $0.00 $0.00 $1.48 $1.68 $2.61 $2.86 $3.44 $3.41
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 0.00 31.12M 31.12M 30.74M 30.51M 30.69M 29.83M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $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 29.83M
Normalized Net Operating Profit after Tax (NOPAT)		 45 47 46 53 81 88 106 104
Normalized NOPAT Margin		 25.08% 24.10% 20.94% 26.12% 30.89% 30.27% 33.72% 31.77%
Pre Tax Income Margin		 28.26% 32.77% 28.08% 34.89% 41.01% 42.91% 46.12% 42.64%
Debt Service Ratios		 - - - - - - - -
EBIT to Interest Expense		 3.54 3.32 5.91 11.37 5.80 1.29 1.22 1.13
NOPAT to Interest Expense		 3.14 2.44 4.41 8.51 4.37 0.91 0.90 0.84
EBIT Less CapEx to Interest Expense		 3.44 3.28 5.76 10.98 5.71 1.27 1.21 1.12
NOPAT Less CapEx to Interest Expense		 3.04 2.40 4.25 8.12 4.28 0.89 0.88 0.83
Payout Ratios		 - - - - - - - -
Dividend Payout Ratio		 4.32% 17.59% 21.62% 18.85% 13.76% 14.02% 13.37% 16.47%
Augmented Payout Ratio		 4.32% 29.84% 36.78% 24.36% 31.41% 24.87% 16.53% 50.14%

Quarterly Metrics And Ratios for Amalgamated Financial

This table displays calculated financial ratios and metrics derived from Amalgamated Financial's official financial filings.

Metric Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025
Period end date 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025
DEI Shares Outstanding		 - - - - - - - - - - 29,936,320.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 29,936,320.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 0.89
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 11.27% -2.92% 7.20% 7.97% 10.60% 14.95% 1.51% -1.64% 3.17% 5.63% 9.39%
EBITDA Growth		 4.73% -1.56% 8.99% 33.81% 16.92% 21.61% -7.68% -13.71% -1.66% -7.72% 15.45%
EBIT Growth		 11.23% 0.47% 11.54% 33.29% 21.44% 22.72% -6.13% -9.83% -0.89% -4.04% 0.65%
NOPAT Growth		 10.35% -2.77% -8.34% 27.70% 23.62% 25.26% 7.93% -8.15% -2.86% -4.12% 8.78%
Net Income Growth		 10.35% -2.77% -8.34% 27.70% 23.62% 25.26% 7.93% -8.15% -2.86% -4.12% 8.78%
EPS Growth		 11.11% -1.35% -6.33% 28.99% 24.29% 23.29% 5.41% -8.99% -3.45% -2.22% 12.82%
Operating Cash Flow Growth		 -46.59% 52.13% -71.14% -10.30% 2.78% -10.09% 89.37% 9.44% -11.04% 10.40% 28.06%
Free Cash Flow Firm Growth		 -1,520.84% -208.39% 160.51% 103.47% 159.34% 159.60% -135.87% -785.55% -158.99% -151.21% 272.16%
Invested Capital Growth		 43.04% 32.90% -23.69% 3.24% -13.10% -9.91% 14.80% 6.48% 14.66% 10.99% -15.46%
Revenue Q/Q Growth		 -2.15% -0.59% 8.81% 2.01% 0.24% 3.31% -3.90% -1.16% 5.13% 5.78% -0.48%
EBITDA Q/Q Growth		 2.33% 6.04% 10.54% 11.55% -10.58% 10.29% -16.08% 4.26% 2.28% 2.77% 5.34%
EBIT Q/Q Growth		 1.93% 5.75% 13.02% 9.41% -7.14% 6.86% -13.55% 5.09% 2.08% 3.47% -9.33%
NOPAT Q/Q Growth		 1.42% 3.08% 1.71% 20.09% -1.82% 4.44% -12.35% 2.20% 3.84% 3.08% -0.56%
Net Income Q/Q Growth		 1.42% 3.08% 1.71% 20.09% -1.82% 4.44% -12.35% 2.20% 3.84% 3.08% -0.56%
EPS Q/Q Growth		 1.45% 4.29% 1.37% 20.27% -2.25% 3.45% -13.33% 3.85% 3.70% 4.76% 0.00%
Operating Cash Flow Q/Q Growth		 -21.79% 45.98% -61.51% 104.10% -10.38% 27.70% -18.93% 17.95% -27.15% 58.47% -5.96%
Free Cash Flow Firm Q/Q Growth		 -126.70% 17.67% 258.76% -98.83% 3,778.01% -17.31% -195.55% 77.63% -233.69% 28.21% 421.24%
Invested Capital Q/Q Growth		 13.57% 2.25% 4.60% -15.01% -4.40% 6.00% 33.29% -21.17% 2.95% 2.61% 1.52%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 43.91% 46.84% 47.59% 52.04% 46.42% 49.56% 43.28% 45.65% 44.42% 43.15% 45.68%
EBIT Margin		 41.53% 44.19% 45.90% 49.22% 45.60% 47.17% 42.44% 45.12% 43.81% 42.86% 39.05%
Profit (Net Income) Margin		 30.51% 31.64% 29.57% 34.82% 34.10% 34.48% 31.44% 32.51% 32.11% 31.29% 31.27%
Tax Burden Percent		 73.46% 71.60% 64.44% 70.73% 74.78% 73.08% 74.09% 72.05% 73.29% 73.02% 80.08%
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		 26.54% 28.40% 35.56% 29.27% 25.22% 26.92% 25.91% 27.95% 26.71% 26.98% 19.92%
Return on Invested Capital (ROIC)		 12.41% 12.11% 8.36% 13.86% 13.33% 13.40% 10.38% 13.08% 13.10% 12.43% 10.90%
ROIC Less NNEP Spread (ROIC-NNEP)		 12.41% 12.11% 8.36% 13.86% 13.33% 13.40% 10.38% 13.08% 13.10% 12.43% 10.90%
Return on Net Nonoperating Assets (RNNOA)		 4.69% 5.36% 7.35% 4.31% 4.32% 4.02% 4.97% 2.02% 1.43% 1.21% 2.79%
Return on Equity (ROE)		 17.10% 17.47% 15.71% 18.17% 17.65% 17.42% 15.35% 15.11% 14.53% 13.65% 13.69%
Cash Return on Invested Capital (CROIC)		 -22.59% -16.18% 35.43% 9.42% 26.74% 23.36% -2.65% 7.06% -0.34% 2.23% 27.84%
Operating Return on Assets (OROA)		 1.52% 1.60% 1.69% 1.83% 1.73% 1.82% 1.65% 1.73% 1.65% 1.61% 1.50%
Return on Assets (ROA)		 1.12% 1.15% 1.09% 1.29% 1.29% 1.33% 1.22% 1.24% 1.21% 1.18% 1.20%
Return on Common Equity (ROCE)		 17.09% 17.47% 15.71% 18.16% 17.64% 17.42% 15.35% 15.11% 14.53% 13.65% 13.69%
Return on Equity Simple (ROE_SIMPLE)		 17.16% 16.49% 0.00% 15.22% 15.33% 14.99% 0.00% 14.16% 13.72% 13.19% 0.00%
Net Operating Profit after Tax (NOPAT)		 22 22 23 27 27 28 24 25 26 27 27
NOPAT Margin		 30.51% 31.64% 29.57% 34.82% 34.10% 34.48% 31.44% 32.51% 32.11% 31.29% 31.27%
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		 41.89% 42.63% 39.09% 39.64% 41.28% 41.08% 43.24% 41.93% 40.30% 41.34% 44.71%
Operating Expenses to Revenue		 52.91% 52.96% 49.21% 48.75% 50.37% 50.54% 52.83% 54.10% 50.14% 50.95% 54.45%
Earnings before Interest and Taxes (EBIT)		 29 31 35 39 36 38 33 35 35 37 33
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 31 33 37 41 36 40 34 35 36 37 39
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.92 0.95 1.38 1.19 1.30 1.37 1.45 1.19 1.26 1.07 1.23
Price to Tangible Book Value (P/TBV)		 0.94 0.97 1.42 1.22 1.33 1.40 1.48 1.22 1.29 1.09 1.25
Price to Revenue (P/Rev)		 1.68 1.81 2.79 2.48 2.77 3.05 3.24 2.79 3.01 2.59 2.98
Price to Earnings (P/E)		 5.34 5.74 9.20 7.84 8.49 9.16 9.61 8.42 9.21 8.14 9.37
Dividend Yield		 2.53% 2.37% 1.52% 1.67% 1.53% 1.41% 1.38% 1.75% 1.67% 1.99% 1.76%
Earnings Yield		 18.72% 17.42% 10.87% 12.75% 11.78% 10.91% 10.41% 11.87% 10.86% 12.28% 10.68%
Enterprise Value to Invested Capital (EV/IC)		 0.87 0.80 1.15 0.95 1.19 1.15 1.25 1.09 1.03 0.93 0.88
Enterprise Value to Revenue (EV/Rev)		 2.51 2.39 3.52 2.43 2.83 2.79 4.04 2.80 2.70 2.47 2.30
Enterprise Value to EBITDA (EV/EBITDA)		 5.62 5.32 7.81 5.10 5.86 5.71 8.45 6.06 5.92 5.59 5.15
Enterprise Value to EBIT (EV/EBIT)		 5.97 5.63 8.21 5.36 6.11 5.94 8.77 6.22 6.06 5.66 5.40
Enterprise Value to NOPAT (EV/NOPAT)		 7.97 7.57 11.64 7.68 8.69 8.39 11.99 8.46 8.28 7.75 7.24
Enterprise Value to Operating Cash Flow (EV/OCF)		 5.11 4.40 8.74 6.34 7.52 7.96 10.29 6.94 6.91 6.21 5.57
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 2.81 10.28 4.13 4.65 0.00 15.98 0.00 44.00 2.88
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.57 0.56 0.52 0.23 0.12 0.10 0.44 0.09 0.10 0.10 0.09
Long-Term Debt to Equity		 0.14 0.14 0.00 0.11 0.11 0.00 0.00 0.00 0.00 0.00 0.00
Financial Leverage		 0.38 0.44 0.88 0.31 0.32 0.30 0.48 0.15 0.11 0.10 0.26
Leverage Ratio		 15.33 15.26 14.45 14.06 13.66 13.12 12.55 12.14 12.05 11.60 11.40
Compound Leverage Factor		 15.33 15.26 14.45 14.06 13.66 13.12 12.55 12.14 12.05 11.60 11.40
Debt to Total Capital		 36.49% 35.81% 34.25% 18.46% 10.68% 8.93% 30.76% 8.65% 9.10% 8.87% 8.05%
Short-Term Debt to Total Capital		 27.63% 27.02% 34.25% 9.14% 1.26% 8.93% 30.76% 8.65% 9.10% 8.87% 8.05%
Long-Term Debt to Total Capital		 8.86% 8.79% 0.00% 9.33% 9.42% 0.00% 0.00% 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		 0.02% 0.02% 0.01% 0.02% 0.02% 0.02% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 63.49% 64.17% 65.73% 81.52% 89.30% 91.06% 69.24% 91.35% 90.90% 91.13% 91.95%
Debt to EBITDA		 2.36 2.38 2.33 0.99 0.53 0.44 2.08 0.48 0.52 0.53 0.47
Net Debt to EBITDA		 1.85 1.28 1.63 -0.11 0.13 -0.53 1.68 0.03 -0.66 -0.28 -1.51
Long-Term Debt to EBITDA		 0.57 0.58 0.00 0.50 0.46 0.00 0.00 0.00 0.00 0.00 0.00
Debt to NOPAT		 3.35 3.39 3.47 1.49 0.78 0.65 2.95 0.67 0.73 0.74 0.67
Net Debt to NOPAT		 2.63 1.83 2.44 -0.17 0.19 -0.77 2.38 0.04 -0.92 -0.39 -2.12
Long-Term Debt to NOPAT		 0.81 0.83 0.00 0.75 0.69 0.00 0.00 0.00 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.03% 0.03% 0.02% 0.02% 0.02% 0.02% 0.01% 0.01% 0.01% 0.01% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -229 -188 299 3.50 136 112 -107 -24 -80 -57 185
Operating Cash Flow to CapEx		 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% 3,310.90% 0.00%
Free Cash Flow to Firm to Interest Expense		 -9.98 -6.85 10.43 0.12 4.56 3.66 -3.64 -0.80 -2.57 -1.74 6.16
Operating Cash Flow to Interest Expense		 1.19 1.45 0.53 1.08 0.94 1.17 0.98 1.14 0.80 1.19 1.24
Operating Cash Flow Less CapEx to Interest Expense		 1.16 1.43 0.53 1.07 0.93 1.15 0.96 1.08 0.82 1.16 1.27
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		 29.05 30.10 32.91 36.20 39.14 42.38 44.48 43.38 41.09 51.08 59.38
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 832 851 890 757 723 767 1,022 806 829 851 864
Invested Capital Turnover		 0.41 0.38 0.28 0.40 0.39 0.39 0.33 0.40 0.41 0.40 0.35
Increase / (Decrease) in Invested Capital		 250 211 -276 24 -109 -84 132 49 106 84 -158
Enterprise Value (EV)		 722 682 1,024 721 860 878 1,276 882 857 793 757
Market Capitalization		 484 517 809 736 840 959 1,023 878 952 833 978
Book Value per Share		 $17.26 $17.93 $19.26 $20.22 $21.16 $22.78 $23.07 $23.98 $24.65 $25.76 $26.54
Tangible Book Value per Share		 $16.75 $17.43 $18.76 $19.73 $20.68 $22.31 $22.60 $23.52 $24.19 $25.29 $26.08
Total Capital		 832 851 890 757 723 767 1,022 806 829 851 864
Total Debt		 304 305 305 140 77 68 314 70 75 75 70
Total Long-Term Debt		 74 75 0.00 71 68 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt		 238 165 214 -15 19 -81 254 3.96 -96 -40 -222
Capital Expenditures (CapEx)		 0.58 0.38 0.26 0.21 0.25 0.59 0.74 1.75 -0.71 1.19 -0.86
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)		 304 305 305 140 77 68 314 70 75 75 70
Total Depreciation and Amortization (D&A)		 1.69 1.87 1.30 2.20 0.64 1.93 0.66 0.41 0.49 0.25 5.65
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.71 $0.73 $0.75 $0.89 $0.88 $0.91 $0.80 $0.82 $0.85 $0.89 $0.88
Adjusted Weighted Average Basic Shares Outstanding		 30.46M 30.39M 30.51M 30.52M 30.64M 30.67M 30.69M 30.59M 30.11M 29.94M 29.83M
Adjusted Diluted Earnings per Share		 $0.70 $0.73 $0.74 $0.89 $0.87 $0.90 $0.78 $0.81 $0.84 $0.88 $0.88
Adjusted Weighted Average Diluted Shares Outstanding		 30.46M 30.39M 30.51M 30.52M 30.64M 30.67M 30.69M 30.59M 30.11M 29.94M 29.83M
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		 30.46M 30.39M 30.51M 30.52M 30.64M 30.67M 30.69M 30.59M 30.11M 29.94M 29.83M
Normalized Net Operating Profit after Tax (NOPAT)		 22 22 23 27 27 28 24 25 26 27 27
Normalized NOPAT Margin		 30.51% 31.64% 29.57% 34.82% 34.10% 34.48% 31.44% 32.51% 32.11% 31.29% 31.27%
Pre Tax Income Margin		 41.53% 44.19% 45.90% 49.22% 45.60% 47.17% 42.44% 45.12% 43.81% 42.86% 39.05%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.28 1.13 1.23 1.33 1.20 1.25 1.12 1.15 1.14 1.11 1.11
NOPAT to Interest Expense		 0.94 0.81 0.79 0.94 0.90 0.91 0.83 0.83 0.83 0.81 0.89
EBIT Less CapEx to Interest Expense		 1.26 1.12 1.22 1.33 1.19 1.23 1.10 1.10 1.16 1.07 1.14
NOPAT Less CapEx to Interest Expense		 0.92 0.80 0.78 0.94 0.89 0.89 0.81 0.77 0.86 0.77 0.92
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 13.76% 13.84% 14.02% 13.17% 13.10% 13.00% 13.37% 14.78% 15.61% 16.32% 16.47%
Augmented Payout Ratio		 21.61% 23.46% 24.87% 21.24% 19.08% 16.38% 16.53% 22.63% 32.27% 43.22% 50.14%

Financials Breakdown Chart

Key Financial Trends

Amalgamated Financial (AMI: AMAL) shows a generally steady earnings profile in 2025, solid quarterly cash flow, and a reasonably strong balance sheet. The main caveat is the sizable cash outflows tied to investing activities in several quarters as the bank grows its securities holdings. Below are the 10 most material takeaways based on the last four years of quarterly data.

  • Steady quarterly profitability: Net income from continuing operations hovered around $25–27 million per quarter in 2025, with Q4 2025 at $26.64 million and EPS around $0.88–$0.89 (Q4 2025: $0.88; Q3 2025: $0.88; Q2 2025: $0.88; Q1 2025: $0.89).
  • Healthy operating cash flow: Net cash from continuing operating activities was positive in all four most recent 2025 quarters (Q4: $37.14M; Q3: $39.50M; Q2: $24.93M; Q1: $34.21M), signaling good cash generation from core lending operations.
  • Revenue recovery and scale: Total revenue in Q4 2025 was $85.2 million, with 2025 quarterly revenue generally in the mid–high $70s to mid $80s range, indicating growth versus the 2024 period and stability into 2025.
  • Solid asset base and capitalization: Total assets around $8.6–8.7 billion in 2025 and total equity near $0.7–0.8 billion suggest a well-capitalized balance sheet for a community-focused bank, with a sizable loan book.
  • Large loan portfolio: Loans and Leases net of allowance remained substantial (around $4.56–$4.73 billion in 2025 quarters), reflecting ongoing loan growth and a durable core banking franchise.
  • Cost base remains meaningful: Non-interest expenses run in the mid-to-high $40 million per quarter in 2025, indicating a stable but notable cost base relative to peer growth and revenue.
  • Credit loss provisioning steady: Provision for credit losses runs in the mid single-digit million range each quarter (roughly $4.9–$5.5 million in 2025), a modest expense given the size of the loan book.
  • Financing activity fluctuates: Financing activities show variability (debt movements, equity issuance/repurchases, and dividends), with quarterly net cash from financing often moving between inflows and outflows, which is typical for banks balancing growth and capital management.
  • Investing activity cash outflows are significant: Net cash used in continuing investing activities was substantial in 2025 quarters (Q2 2025 around -$232.4M; Q3 2025 around -$117.0M; Q4 2025 around -$22.0M; Q1 2025 around -$66.1M) due to large purchases of investment securities. While these outflows were offset in some quarters by securities sales/maturities, the pattern represents meaningful deployment of cash into investments and potential liquidity sensitivity if operating cash flow slows.
  • Liquidity and rate risk from investment swings: The combination of strong operating cash flow and sizable investment activity means near-term liquidity and interest-rate sensitivity hinge on the timing of securities sales/maturities and market conditions, which may impact quarterly volatility.
05/06/26 11:10 AM ETAI Generated. May Contain Errors.

Frequently Asked Questions About Amalgamated Financial's Financials

When does Amalgamated Financial's financial year end?

According to the most recent income statement we have on file, Amalgamated Financial's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

How has Amalgamated Financial's net income changed over the last 7 years?

Amalgamated Financial's net income appears to be on an upward trend, with a most recent value of $104.45 million in 2025, rising from $44.65 million in 2018. The previous period was $106.43 million in 2024. See where experts think Amalgamated Financial is headed by visiting Amalgamated Financial's forecast page.

How has Amalgamated Financial's revenue changed over the last 7 years?

Over the last 7 years, Amalgamated Financial's total revenue changed from $178.06 million in 2018 to $328.72 million in 2025, a change of 84.6%.

How much debt does Amalgamated Financial have?

Amalgamated Financial's total liabilities were at $8.08 billion at the end of 2025, a 7.0% increase from 2024, and a 67.0% increase since 2019.

How much cash does Amalgamated Financial have?

In the past 6 years, Amalgamated Financial's cash and equivalents has ranged from $2.86 million in 2023 to $8.62 million in 2021, and is currently $4.50 million as of their latest financial filing in 2025.

How has Amalgamated Financial's book value per share changed over the last 7 years?

Over the last 7 years, Amalgamated Financial's book value per share changed from 0.00 in 2018 to 26.54 in 2025, a change of 2,653.9%.


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Financial statements for NASDAQ:AMAL last updated on 3/8/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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