AMAL
VENTE TOTALE: 3 725 titres (~185 172,60 $ US)
- Insiders
- Mark Finser, Wells Royce A., Bruce Maryann
- Total bought
- —
- Total sold
- $185,173
- Last activity
- 2026-08-10
- Last synced
-
2026-08-16 09:56:14
Insider holdings as a share of total assets aren't available for this company.
Price (1 year)
Live chart from TradingView - pulls its own market data, independent of this site's database. Symbol resolution is best-effort (defaults to NASDAQ) since we don't store the exchange prefix.
Market snapshot
Signal
Neutral signal Scored 2026-08-07
AMAL presents a compelling earnings catalyst with a strong Q2 2026 beat, raised guidance, and a new 52-week high, supported by robust liquidity (current ratio 12.77) and consistently high net margins above 20%.
The first sentence of the analysis written for AMAL on 2026-08-07 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 70.3% | 70.3% | 70.9% | 88.2% | 97.2% | |
| Ebit Margin | 30.8% | 33.4% | 32.6% | 37.9% | 33.9% | |
| Ebitda Margin | 31.9% | 34.7% | 34.3% | 41.6% | 36.2% | |
| Operating Profit Margin | 30.8% | 33.4% | 32.6% | 37.9% | 33.9% | |
| Pretax Profit Margin | 30.8% | 33.4% | 32.6% | 37.9% | 33.9% | |
| Continuous Operations Profit Margin | 23.0% | 24.4% | 23.0% | 28.6% | 25.4% | |
| Net Profit Margin | 23.0% | 24.4% | 23.0% | 28.6% | 25.4% | |
| Bottom Line Profit Margin | 23.0% | 24.4% | 23.0% | 28.6% | 25.3% | |
| Current Ratio | 12.770 | 0.244 | 0.232 | 0.291 | 0.389 | |
| Quick Ratio | 12.770 | 0.244 | 0.232 | 0.291 | 0.389 | |
| Solvency Ratio | 0.014 | 0.015 | 0.013 | 0.013 | 0.009 | |
| Cash Ratio | 0.486 | 0.008 | 0.013 | 0.010 | 0.052 | |
| Price To Earnings Ratio | 9.284 | 9.618 | 9.354 | 8.727 | 9.865 | |
| Price To Earnings Growth Ratio | -10.770 | 0.462 | 1.029 | 0.158 | 0.664 | |
| Forward Price To Earnings Growth Ratio | -10.770 | 0.462 | 1.029 | 0.158 | 0.664 | |
| Price To Earnings Diluted Ratio | 9.393 | 9.730 | 9.420 | 8.828 | 9.982 | |
| Price To Earnings Diluted Growth Ratio | -10.771 | 0.480 | 0.983 | 0.159 | 0.739 | |
| Price To Book Ratio | 1.207 | 1.447 | 1.407 | 1.395 | 0.925 | |
| Price To Sales Ratio | 2.107 | 2.352 | 2.152 | 2.490 | 2.499 | |
| Price To Free Cash Flow Ratio | 7.133 | 8.372 | 7.112 | 4.875 | 7.655 | |
| Price To Operating Cash Flow Ratio | 7.061 | 8.252 | 7.022 | 4.820 | 7.395 | |
| Debt To Assets Ratio | 0.011 | 0.040 | 0.042 | 0.089 | 0.019 | |
| Debt To Equity Ratio | 0.118 | 0.472 | 0.573 | 1.373 | 0.234 | |
| Debt To Capital Ratio | 0.106 | 0.321 | 0.364 | 0.579 | 0.190 | |
| Long Term Debt To Capital Ratio | 0.093 | 0.308 | 0.343 | 0.564 | 0.129 | |
| Financial Leverage Ratio | 11.165 | 11.668 | 13.623 | 15.414 | 12.555 | |
| Working Capital Turnover Ratio | -0.171 | -0.081 | -0.076 | -0.067 | -0.055 | |
| Operating Cash Flow Ratio | 14.659 | 0.017 | 0.017 | 0.022 | 0.011 | |
| Operating Cash Flow Sales Ratio | 0.298 | 0.285 | 0.306 | 0.517 | 0.338 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.990 | 0.986 | 0.987 | 0.989 | 0.966 | |
| Debt Service Coverage Ratio | 0.878 | 0.941 | 0.975 | 4.924 | 9.287 | |
| Interest Coverage Ratio | 1.126 | 1.223 | 1.289 | 5.800 | 11.367 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 1.444 | 0.371 | 0.349 | 0.211 | 0.534 | |
| Capital Expenditure Coverage Ratio | 98.464 | 69.896 | 79.366 | 88.323 | 29.440 | |
| Dividend Paid And Capex Coverage Ratio | 7.307 | 7.750 | 8.488 | 11.439 | 5.701 | |
| Dividend Payout Ratio | 0.165 | 0.134 | 0.140 | 0.138 | 0.188 | |
| Enterprise Value Multiple | 7.231 | 8.589 | 8.149 | 11.349 | 4.276 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 70.3% | ▼-0.1% | ▼-9.1% |
| Ebit Margin | 30.8% | ▼-2.6% | ▼-2.9% |
| Ebitda Margin | 31.9% | ▼-2.8% | ▼-3.9% |
| Operating Profit Margin | 30.8% | ▼-2.6% | ▼-2.9% |
| Pretax Profit Margin | 30.8% | ▼-2.6% | ▼-2.9% |
| Continuous Operations Profit Margin | 22.9% | ▼-1.5% | ▼-1.9% |
| Net Profit Margin | 22.9% | ▼-1.5% | ▼-1.9% |
| Bottom Line Profit Margin | 22.9% | ▼-1.5% | ▼-1.9% |
| Current Ratio | 12.770 | ▲12.526 | ▲9.985 |
| Quick Ratio | 12.770 | ▲12.526 | ▲9.985 |
| Solvency Ratio | 0.013 | ▼-0.001 | ▲0.001 |
| Cash Ratio | 0.486 | ▲0.477 | ▲0.372 |
| Price To Earnings Ratio | 9.284 | ▼-0.334 | ▼-0.086 |
| Price To Earnings Growth Ratio | -10.770 | ▼-11.231 | ▼-9.078 |
| Forward Price To Earnings Growth Ratio | -10.770 | ▼-11.231 | ▼-9.078 |
| Price To Earnings Diluted Ratio | 9.393 | ▼-0.337 | ▼-0.077 |
| Price To Earnings Diluted Growth Ratio | -10.771 | ▼-11.250 | ▼-9.089 |
| Price To Book Ratio | 1.207 | ▼-0.240 | ▼-0.069 |
| Price To Sales Ratio | 2.107 | ▼-0.245 | ▼-0.213 |
| Price To Free Cash Flow Ratio | 7.133 | ▼-1.239 | ▲0.104 |
| Price To Operating Cash Flow Ratio | 7.061 | ▼-1.191 | ▲0.151 |
| Debt To Assets Ratio | 0.011 | ▼-0.030 | ▼-0.030 |
| Debt To Equity Ratio | 0.118 | ▼-0.354 | ▼-0.436 |
| Debt To Capital Ratio | 0.106 | ▼-0.215 | ▼-0.206 |
| Long Term Debt To Capital Ratio | 0.093 | ▼-0.214 | ▼-0.194 |
| Financial Leverage Ratio | 11.165 | ▼-0.503 | ▼-1.720 |
| Working Capital Turnover Ratio | -0.171 | ▼-0.090 | ▼-0.081 |
| Operating Cash Flow Ratio | 14.659 | ▲14.641 | ▲11.713 |
| Operating Cash Flow Sales Ratio | 0.298 | ▲0.013 | ▼-0.051 |
| Free Cash Flow Operating Cash Flow Ratio | 0.990 | ▲0.004 | ▲0.006 |
| Debt Service Coverage Ratio | 0.878 | ▼-0.063 | ▼-2.523 |
| Interest Coverage Ratio | 1.126 | ▼-0.097 | ▼-3.035 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 |
| Operating Cash Flow Coverage Ratio | 1.444 | ▲1.072 | ▲0.862 |
| Capital Expenditure Coverage Ratio | 98.464 | ▲28.568 | ▲25.366 |
| Dividend Paid And Capex Coverage Ratio | 7.307 | ▼-0.443 | ▼-0.830 |
| Dividend Payout Ratio | 0.165 | ▲0.031 | ▲0.012 |
| Enterprise Value Multiple | 7.231 | ▼-1.359 | ▼-0.688 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $958.7M | $1.02B | $823.2M | $710.0M | $521.6M | |
| Enterprise value | $1.05B | $1.30B | $1.07B | $1.34B | $323.1M | |
| EV / Sales | 2.30x | 2.98x | 2.79x | 4.72x | 1.55x | |
| EV / Op. cash flow | 7.72x | 10.46x | 9.12x | 9.13x | 4.58x | |
| EV / Free cash flow | 7.80x | 10.61x | 9.23x | 9.23x | 4.74x | |
| EV / EBITDA | 7.23x | 8.59x | 8.15x | 11.35x | 4.28x | |
| Net debt / EBITDA | 0.62x | 1.81x | 1.87x | 5.36x | -2.63x | |
| Current ratio | 12.77x | 0.24x | 0.23x | 0.29x | 0.39x | |
| Income quality | 1.30x | 1.17x | 1.33x | 1.81x | 1.33x | |
| Graham number | $46 | $43 | $35 | $31 | $26 | |
| Graham net-net | -$266 | -$190 | -$189 | -$176 | -$130 | |
| Tax burden | 74.5% | 73.1% | 70.5% | 75.3% | 74.8% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | $109.0M | -$5.43B | -$5.38B | -$4.68B | -$3.88B | |
| Invested capital | $137.2M | -$5.39B | -$5.34B | -$4.62B | -$3.82B | |
| Return on assets | 1.2% | 1.3% | 1.1% | 1.0% | 0.7% | |
| Operating ROA | 1.6% | 1.8% | 1.6% | 1.4% | 1.1% | |
| Return on tangible assets | 1.2% | 1.3% | 1.1% | 1.0% | 0.7% | |
| Return on equity | 13.1% | 15.0% | 15.0% | 16.0% | 9.4% | |
| Return on invested capital | 1.2% | 9.9% | 9.2% | 6.5% | 7.3% | |
| Return on capital employed | 1.6% | 13.5% | 13.0% | 8.7% | 9.8% | |
| Earnings yield | 10.9% | 10.4% | 10.7% | 11.5% | 10.1% | |
| Free cash flow yield | 14.0% | 11.9% | 14.1% | 20.5% | 13.1% | |
| Capex / Op. cash flow | 1.0% | 1.4% | 1.3% | 1.1% | 3.4% | |
| Capex / Depreciation | 20.3% | 32.7% | 23.1% | 16.1% | 49.5% | |
| Capex / Sales | 0.3% | 0.4% | 0.4% | 0.6% | 1.1% | |
| SG&A / Sales | 26.8% | 23.2% | 24.6% | 28.6% | 36.2% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 1.5% | 1.3% | 1.2% | 0.9% | 0.9% | |
| Intangibles / Total assets | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | |
| Days sales outstanding | 52d | 51d | 53d | 53d | 50d | |
| Days payables outstanding | 0d | 0d | 0d | 0d | 0d | |
| Operating cycle | 52d | 51d | 53d | 53d | 50d | |
| Cash conversion cycle | 52d | 51d | 53d | 53d | 50d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▼-6.4%EV / Sales ▼-22.7%EV / EBITDA ▼-15.8%EV / Op. cash flow ▼-2.735Earnings yield ▲+0.005Graham number ▲+3.092
Profitability
Return on equity ▼-0.019Return on assets ▼-0.001Return on invested capital ▼-0.087Return on capital employed ▼-0.119Operating ROA ▼-0.002Income quality ▲+0.134Tax burden ▲+0.014
Efficiency
Days sales outstanding ▲+0.954Days payables outstanding n/aOperating cycle ▲+0.954Cash conversion cycle ▲+0.954Capex / Sales ▼-0.001R&D / Sales n/a
Balance-sheet strength
Current ratio ▲+12.526Net debt / EBITDA ▼-1.193Working capital ▲+5538654000.000Invested capital ▲+5531750000.000Intangibles / Total assets -0.000
Change over 5 years
Valuation
Market cap ▲+83.8%EV / Sales ▲+48.8%EV / EBITDA ▲+69.1%EV / Op. cash flow ▲+3.139Earnings yield ▲+0.007Graham number ▲+19.306
Profitability
Return on equity ▲+0.038Return on assets ▲+0.004Return on invested capital ▼-0.062Return on capital employed ▼-0.082Operating ROA ▲+0.006Income quality ▼-0.032Tax burden ▼-0.003
Efficiency
Days sales outstanding ▲+1.854Days payables outstanding n/aOperating cycle ▲+1.854Cash conversion cycle ▲+1.854Capex / Sales ▼-0.008R&D / Sales n/a
Balance-sheet strength
Current ratio ▲+12.381Net debt / EBITDA ▲+3.244Working capital ▲+3992568000.000Invested capital ▲+3958767000.000Intangibles / Total assets ▼-0.001
Employee count
Peer market caps
Congressional trades
No congressional trade data synced.
Recent news
- 2026-08-14 Dividend Champion, Contender, And Challenger Highlights: Week August 16 A weekly summary of dividend activity for Dividend Champions, Contenders, and Challengers. Companies which changed their dividends. Companies with upcoming ex-dividend dates.
- 2026-08-12 Amalgamated Financial: A Downgrade Is Getting Close Amalgamated Financial continues to outperform, with shares up 29.9% since March and nearly doubling since May 2024. AMAL''s organic deposit growth, improved margins, and robust balance sheet expansion underpin its ongoing operational strength. Despite elevated uninsured deposit exposure (57.2%) and non-performing assets (1.09%), asset quality and returns remain industry-leading.
- 2026-08-10 What Makes Amalgamated Financial (AMAL) a Strong Momentum Stock: Buy Now? Does Amalgamated Financial (AMAL) have what it takes to be a top stock pick for momentum investors? Let''s find out.
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- 2026-07-28 Amalgamated Financial (NASDAQ:AMAL) Reaches New 52-Week High – What’s Next? Shares of Amalgamated Financial Corp. (NASDAQ: AMAL - Get Free Report) hit a new 52-week high on Tuesday. The stock traded as high as $50.92 and last traded at $49.01, with a volume of 164557 shares trading hands. The stock had previously closed at $49.44. Analyst Upgrades and Downgrades A number of research firms have
- 2026-07-23 Amalgamated Financial Corp. (AMAL) Q2 2026 Earnings Call Transcript Amalgamated Financial Corp. (AMAL) Q2 2026 Earnings Call Transcript
- 2026-07-23 Amalgamated Financial Q2 Earnings Call Highlights Amalgamated Financial NASDAQ: AMAL reported what executives described as a record second quarter of 2026, with management citing balance sheet growth, deposit strength and improved operating leverage as key drivers of higher profitability.
- 2026-07-23 Amalgamated Financial (AMAL) Q2 Earnings and Revenues Surpass Estimates Amalgamated Financial (AMAL) came out with quarterly earnings of $1.1 per share, beating the Zacks Consensus Estimate of $1 per share. This compares to earnings of $0.88 per share a year ago.
- 2026-07-23 Amalgamated Financial Corp. Reports Second Quarter 2026 Financial Results; Record Profitability | Margin Rises to 3.78% | Guidance Raised NEW YORK--(BUSINESS WIRE)--Amalgamated Financial Corp. (the “Company” or “Amalgamated”) (Nasdaq: AMAL), the holding company for Amalgamated Bank (the “Bank”), today announced financial results for the second quarter ended June 30, 2026. Priscilla Sims Brown, President and Chief Executive Officer, commented, “This quarter showcases the power of the franchise we have built. With the strongest balance sheet in our history and one of the most differentiated deposit franchises in banking, we are suc.
- 2026-07-21 Amalgamated Financial Corp. Declares Regular Quarterly Dividend NEW YORK--(BUSINESS WIRE)--Amalgamated Financial Corp. (“Amalgamated” or the “Company”) (Nasdaq: AMAL) today announced that its Board of Directors has declared a regular dividend to common stockholders of $0.17 per share, payable by the Company on August 20, 2026, to stockholders of record on August 4, 2026. The amount and timing of any future dividend payments to stockholders will be subject to the discretion of the Board of Directors. About Amalgamated Financial Corp. Amalgamated Financial Co.