Amalgamated Financial Corp.

Finance
Major Banks
www.amalgamatedbank.com

Earnings Score

Market Cap $1.08B
PE 10
Debt $NaN
Cash $149.21M
EV $NaN
FCF $109.08M

Earnings

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Sales & Net Margins

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Earnings	$104.64M
ROE	15%
FCF	$109.08M
Equity	$698.33M
Growth Stability	100%
PE	10.29
PEG	0.52
PB	1.54
P/FCF	9.87
Price/Cash	0.14
Earnings CAGR	20%
FCF CAGR	15%
Equity CAGR	5%
Earnings Stability	0.26
Earnings Growth YoY	25%
Earnings Growth QoQ	4%

Earnings CAGR 5Y	20%
FCF CAGR 5Y	18%
Equity CAGR 5Y	5%
FCF CAGR 3Y	14%
Equity CAGR 3Y	10%
Market Cap	$1.08B
Dividend Yield	1%
Payout Ratio	13%
Assets	$8.41B
Cash	$149.21M
Shares Outstanding	30.56M
Earnings Score	15%
Shares Growth 3y	-1%
Equity Growth QoQ	8%
Equity Growth YoY	28%

Assets & ROA

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Stockholders Equity & ROE

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Amalgamated Financial Corp is a bank holding company. It is a full-service commercial bank and a chartered trust company. It provides commercial banking and trust services nationally and offers a range of products and services to commercial and retail customers. It offers a complete suite of commercial and retail banking, investment management, and trust and custody services.

SEC Filings

Direct access to Amalgamated Financial Corp. (AMAL) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2024
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2023
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2022
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31

Sector Comparison

How does Amalgamated Financial Corp. compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Amalgamated Financial Corp. compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 20%

Stability 26%

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Amalgamated Financial Corp. Discounted Cash Flow

Fully customizable DCF calculator online for Amalgamated Financial Corp..

Years

Calculation mode

= $3.1B

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$109M	$126M	$145M	$166M	$192M	$221M	$254M	$292M	$337M	$388M	$446M	$4.5B
DCF		$114M	$119M	$125M	$131M	$137M	$143M	$150M	$157M	$164M	$172M	$1.7B
Value	$3.1B

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Net Margins	-	-	-	-	-	-	-
ROA	-	2%	1%	1%	2%	3%	-
ROE	-	10%	9%	9%	16%	15%	15%

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Debt over FCF	-	0.91	0	-	-	-	-
Debt over Equity	-	0.15	0	-	-	-	-
Growth Stability	-	-	-	100%	100%	100%	100%

Neutral Debt/FCF ratio (-)

Net Margins are at a level that is not too high nor too low. They are not a competitive advantage but they are not a competitive disadvantage either.

Neutral Debt/Equity ratio (-)

The company has a balance between equity and debt that is not too good nor too bad.

Good Graham’s Stability (100%)

The company has a good stability in its earnings, which is a sign of a good competitive advantage.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	CAGR 5Y
Revenue YoY growth	-	-	-	-	-	-	-
Earnings YoY growth	-	6%	-2%	15%	54%	8%	20%
Equity YoY growth	-	12%	9%	5%	-10%	15%	5%
FCF YoY growth	-	179%	-22%	6%	114%	-21%	18%