Stock AMAL AMALGAMATED FINANCIAL CORP.
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Financials Amalgamated Financial Corp.

Equities

AMAL

US0226711010

Banks

Market Closed - Nasdaq
Other stock markets
 04:00:00 2024-04-26 pm EDT 		5-day change 1st Jan Change
24.6 USD +2.97% Intraday chart for Amalgamated Financial Corp. +9.53% -8.69%
Apr. 25 Transcript : Amalgamated Financial Corp., Q1 2024 Earnings Call, Apr 25, 2024
Apr. 25 Earnings Flash (AMAL) AMALGAMATED FINANCIAL Reports Q1 EPS $0.89 MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 613 426.6 521.5 706.7 818.8 750.6 -
Enterprise Value (EV) 1 613 426.6 521.5 706.7 818.8 750.6 750.6
P/E ratio 13.2 x 9.28 x 9.98 x 8.83 x 9.42 x 7.69 x 7.58 x
Yield 1.34% 2.33% 1.91% - - 1.71% 1.73%
Capitalization / Revenue 3.13 x 1.96 x 2.58 x 2.65 x 2.79 x 2.42 x 2.35 x
EV / Revenue 3.13 x 1.96 x 2.58 x 2.65 x 2.79 x 2.42 x 2.35 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 1.25 x 0.8 x 0.93 x 1.39 x 1.4 x 1.09 x 0.96 x
Nbr of stocks (in thousands) 31,515 31,050 31,097 30,672 30,394 30,510 -
Reference price 2 19.45 13.74 16.77 23.04 26.94 24.60 24.60
Announcement Date 1/31/20 1/28/21 1/27/22 1/26/23 1/25/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 195.8 217.6 202 266.8 293.4 310.4 319.5
EBITDA - - - - - - -
EBIT 1 69.36 92.27 72.26 130.7 142.8 147.2 153.7
Operating Margin 35.43% 42.4% 35.76% 49% 48.68% 47.42% 48.11%
Earnings before Tax (EBT) 1 64.17 61.94 70.72 108.2 124.7 136.2 137
Net income 1 47.2 46.19 52.94 81.48 87.98 98.29 98.78
Net margin 24.11% 21.22% 26.2% 30.54% 29.99% 31.67% 30.92%
EPS 2 1.470 1.480 1.680 2.610 2.860 3.200 3.243
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 0.2600 0.3200 0.3200 - - 0.4200 0.4267
Announcement Date 1/31/20 1/28/21 1/27/22 1/26/23 1/25/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 49.68 59.55 55.63 64.33 73.86 72.94 74.79 71.2 71.57 75.81 75.81 77.54 77.8 75.44 75.95
EBITDA - - - - - - - - - - - - - - -
EBIT 1 17.03 25.5 21.65 30.3 39.83 39.1 31.21 33.4 33.17 38.11 37.86 37.3 37.4 34.8 37.4
Operating Margin 34.29% 42.82% 38.93% 47.1% 53.93% 53.6% 41.73% 46.91% 46.34% 50.27% 49.94% 48.11% 48.07% 46.13% 49.24%
Earnings before Tax (EBT) 1 19.33 20.84 19.1 26.49 31.01 31.57 28.9 29.46 31.16 35.22 38.53 33.55 33.48 30.62 30.93
Net income 1 14.42 15.92 14.16 19.61 22.94 24.76 21.34 21.64 22.31 22.7 27.25 24.42 24.34 22.31 22.52
Net margin 29.02% 26.74% 25.46% 30.49% 31.07% 33.94% 28.53% 30.4% 31.17% 29.94% 35.94% 31.49% 31.29% 29.58% 29.66%
EPS 2 0.4600 0.5000 0.4500 0.6300 0.7400 0.8000 0.6900 0.7000 0.7300 0.7400 0.8900 0.7900 0.7950 0.7300 0.7350
Dividend per Share 2 0.0800 0.0800 0.0800 0.0800 0.1000 - 0.1000 0.1000 - - 0.1000 0.1067 0.1067 0.1067 0.1100
Announcement Date 10/28/21 1/27/22 4/28/22 7/28/22 10/27/22 1/26/23 4/27/23 7/27/23 10/26/23 1/25/24 4/25/24 - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 10% 9.07% 9.59% 15.7% 17.6% 15.4% 13.5%
ROA (Net income/ Total Assets) 0.98% 0.83% 0.83% 1.05% 1.15% 1.21% 1.18%
Assets 1 4,817 5,565 6,378 7,760 7,650 8,146 8,347
Book Value Per Share 2 15.60 17.30 18.10 16.60 19.20 22.50 25.60
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 1/31/20 1/28/21 1/27/22 1/26/23 1/25/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Amalgamated Financial Corp.

Trading Rating
Investor Rating
ESG Refinitiv
B
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
3
Last Close Price
24.6 USD
Average target price
29.5 USD
Spread / Average Target
+19.92%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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