AMAL
Bearish signalScored 2026-09-13 Drivers: trend, fundamentals. Moteurs : tendance, fondamentaux.
Research, not advice.
À propos
Amalgamated Financial Corp.
- Nom
- Amalgamated Financial Corp.
- Secteur
- Financial Services
- Industrie
- Banks - Regional
- Bourse
- NASDAQ
- Capitalisation
- $1.5B
- Employés
- 450
- PDG
- Priscilla Sims Brown
- Site web
- https://www.amalgamatedbank.com
- Marché
- ACNBBHBBKUCCBCFFIFBK
Amalgamated Financial Corp., established in New York in 1923, operates as the parent company for Amalgamated Bank. This institution delivers a comprehensive array of financial services, including commercial and retail banking, investment management, and trust and custody solutions, to businesses and individual customers across the United States. Its banking provisions encompass various deposit accounts, from non-interest bearing and interest-bearing checking to savings, money market, and certificates of deposit. On the lending side, Amalgamated extends commercial loans for industrial, multi-family, and general real estate purposes, in addition to retail loans like residential mortgages and consumer credit. Beyond core banking, the company facilitates online banking, bill payment, cash management, and safe deposit box rentals, while also providing debit and ATM cards. Its specialized trust, custody, and investment management operations cover asset safekeeping, corporate action handling, income collection, proxy services, and asset transfers and conversion management. Furthermore, it offers diverse investment products, such as equity, fixed-income, real estate, and alternative investments, alongside brokerage, asset management, and insurance products. Amalgamated Financial Corp. serves its clientele through a digital banking platform and a network of physical offices, including three branches in New York City, one in Washington, D.C., one in San Francisco, and a commercial office in Boston.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 3 725 titres (~185 172,60 $ US)
- Insiders
- Mark FinserWells Royce A.Bruce Maryann
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$56,620,623
Avg sell (VWAP, 90d window) $48.16 vs last close $46.56 (-3.3%)
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
$3,034,305 of that total is under a Rule 10b5-1 plan. It is shown here and left out of the score.
- Last activity
- 2026-08-10
- Liquidity
- Thin $11,485,097/day · 20d vol
- Last synced
-
2026-09-23 21:10:05
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-10-01 | Brown Sam D. | Sell · S · 10b5-1 | 148 | $46.53 | $6,886 | Form 4 |
| 2026-09-15 | Searby Sean | Sell · S · 10b5-1 | 3,314 | $47.75 | $158,231 | Form 4 |
| 2026-09-14 | Western States Regional Joint Board, Workers United | Sell · S | 95,872 | $47.89 | $4,591,703 | Form 4 |
| 2026-09-14 | Workers United | Sell · S | 95,872 | $47.89 | $4,591,703 | Form 4 |
| 2026-09-11 | Western States Regional Joint Board, Workers United | Sell · S | 154,128 | $47.88 | $7,380,080 | Form 4 |
| 2026-09-11 | Workers United | Sell · S | 154,128 | $47.88 | $7,380,080 | Form 4 |
| 2026-09-10 | Darby Jason | Sell · S · 10b5-1 | 19,995 | $48.10 | $961,827 | Form 4 |
| 2026-09-10 | Romney Edgar Jr | Sell · S · 10b5-1 | 5,992 | $47.46 | $284,364 | Form 4 |
| 2026-09-09 | Western States Regional Joint Board, Workers United | Sell · S | 79,649 | $47.91 | $3,816,159 | Form 4 |
| 2026-09-09 | Workers United | Sell · S | 79,649 | $47.91 | $3,816,159 | Form 4 |
| 2026-09-09 | Brown Sam D. | Sell · S · 10b5-1 | 735 | $47.61 | $34,993 | Form 4 |
| 2026-09-08 | Brown Sam D. | Sell · S · 10b5-1 | 30,000 | $48.42 | $1,452,591 | Form 4 |
| 2026-09-08 | Tenner Mandy | Sell · S · 10b5-1 | 2,920 | $48.73 | $142,298 | Form 4 |
| 2026-09-08 | Western States Regional Joint Board, Workers United | Sell · S | 13,018 | $48.65 | $633,263 | Form 4 |
| 2026-09-08 | Workers United | Sell · S | 13,018 | $48.65 | $633,263 | Form 4 |
| 2026-09-04 | Western States Regional Joint Board, Workers United | Sell · S | 45,801 | $49.23 | $2,254,628 | Form 4 |
| 2026-09-04 | Workers United | Sell · S | 22,982 | $49.14 | $1,129,317 | Form 4 |
| 2026-09-03 | Western States Regional Joint Board, Workers United | Sell · S | 44,658 | $49.43 | $2,207,472 | Form 4 |
| 2026-09-03 | Workers United | Sell · S | 44,658 | $49.43 | $2,207,472 | Form 4 |
| 2026-09-02 | Darby Jason | Sell · S | 1 | $48.20 | $66 | Form 4 |
| 2026-09-02 | Western States Regional Joint Board, Workers United | Sell · S | 44,244 | $48.19 | $2,132,079 | Form 4 |
| 2026-09-02 | Workers United | Sell · S | 44,244 | $48.19 | $2,132,079 | Form 4 |
| 2026-09-01 | Brown Sam D. | Sell · S | 4 | $47.26 | $175 | Form 4 |
| 2026-09-01 | Western States Regional Joint Board, Workers United | Sell · S | 15,000 | $47.28 | $709,264 | Form 4 |
| 2026-09-01 | Workers United | Sell · S | 15,000 | $47.28 | $709,264 | Form 4 |
| 2026-08-31 | Western States Regional Joint Board, Workers United | Sell · S | 73,535 | $48.12 | $3,538,460 | Form 4 |
| 2026-08-31 | Workers United | Sell · S | 73,535 | $48.12 | $3,538,460 | Form 4 |
| 2026-08-10 | Mark Finser | Sell · S | 800 | $49.85 | $39,880 | Form 4 |
| 2026-08-03 | Wells Royce A. | Sell · S | 787 | $50.00 | $39,350 | Form 4 |
| 2026-07-30 | Bruce Maryann | Sell · S | 2,138 | $49.55 | $105,943 | Form 4 |
Sales marked 10b5-1 are scheduled in advance and don't count toward the Quorum score. Les ventes marquées 10b5-1 sont planifiées à l'avance et ne pèsent pas dans le score Quorum.
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Bearish signalScored 2026-09-13 Drivers: trend, fundamentals. Moteurs : tendance, fondamentaux.
AMAL presents a mixed picture: strong liquidity (current ratio 12.77) and solid net margins above 20% are offset by a dangerously low interest coverage ratio of 1.13, which undermines the apparent balance sheet strength.
The first sentence of the analysis written for AMAL on 2026-09-13 - 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.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Narrative Unavailable or mixed. Stored narrative reading is in the neutral band
- Timing Pulls against a bullish reading. Close is more than 0.5 ATR under stored support
- Financial indicators Supports a bullish reading. Current ratio 12.77 · operating margin 31%
Suggested stop 45.13, nearest stored support minus 0.5 ATR(3.1% under the last close). Reward/risk to the next stored resistance is 0.93. Wait — that reward/risk is under 2. Research, not advice. Not an order.
Market snapshot
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
Change over 5 years
Employee count
Peer market caps
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.
- 2026-07-28 5 Low-Leverage Stocks to Buy Amid Oil Price Plunge & Chip Market Uncertainty Amid oil and chip market turmoil, low-leverage stocks like Ternium attract investor interest as resilient balance sheets take center stage.
- 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.