Amalgamated Financial Corp. Common Stock (DE) (AMAL)

FairStock Score: 55/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach Amalgamated as a small regional bank, not a magic compounder. It takes deposits and makes commercial, multifamily and other loans, while adding trust, custody and investment management. That is a commodity business, so the moat is modest: customer relationships and switching costs may help, but pricing power is limited. The numbers are respectable. At the 2026-10-13 close of $46.89, FairStock shows a P/E of 12.5, P/B of 1.68, ROE of 14.28%, dividend yield of 1.45%, beta of 0.81 and PEG of 0.37. The filed quarterly trend is strong: in fiscal Q2 2026, the quarter ended 2026-06-30, net income was $34.8M and diluted EPS was $1.15, versus $26.0M and $0.84 in fiscal Q2 2025. Fiscal Q1 2026 net income was $25.2M and EPS was $0.84. However, annual consistency is less clean: FY2025 net income was $104.4M and EPS was $3.41, versus FY2024 net income of $106.4M and EPS of $3.44, though FY2023 was $88.0M and $2.86. The Lynch category is STALWART, steady growth, with profit up 17.7% a year over five years. Piotroski is 5/9 and FairStock Score is 55/100, so health is average, not exceptional. A P/B of 1.68 means I am not getting a bank at a discount to book, and the 52-week range is wide. As a bank, I need CET1, NIM and credit measures; none are in the data, nor is combined ratio. Without them, I cannot fully judge leverage or underwriting risk. I would call this a fair-to-slightly-cheap steady bank, not a sure bargain.

In plain English: Amalgamated Financial is the parent of Amalgamated Bank, a small US bank that serves commercial and retail customers and also offers investment management and trust and custody services. Its latest quarterly profit improved and profitability looks reasonable, but annual earnings have not risen in a straight line. At the recent $46.89 close, the shares look moderately priced rather than clearly cheap or expensive against the company's earnings and accounting value.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer