AMAL · Amalgamated Financial Corp.
$48.88
-0.17 (-0.35%)
At close · Aug 20
Market Cap
$1.46B
Shares
29.90M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$48.88
Open$48.75
Day$48.52–49.19
52W close$25.26–51.08
Avg vol 30d157K
Short int953K · 3.2% float · 5.4d
Short vol73%
Last earningsJul 23, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 4
Up next
Next earnings call
Oct 22, 2026
Est · unconfirmed
· in 9 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 4, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Bullish
Fundamentals
Strong
Quant / Vol
Moderate
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+24%
above
Price vs 50-day avg
+3%
above
RSI (14)
49
neutral
MACD trend
Negative
52-week position
91%
near high
Momentum
relative strength
1-month return
0%
trailing
6-month return
+27%
trailing
YTD return
+53%
this year
Relative strength
+16%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $47 › 200d $40 — 50d above 200d
Institutional flow
Accumulating
+11% holders QoQ · +36 funds added
Insider flow
Distributing
Net -$515.2K over 90 days · 100% sells
Short interest
Falling
3.19% of float · ▼ -2.1% MoM · 5.4 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
194 holders — near 3-yr high, broad support
Squeeze score
61
elevated · 0–100
Fundamentals
EPS growth
−1%
Y/Y
Free cash flow
$134.4M
Valuation
P/E 13
in line
Buyback
$40.0M
authorized
Balance sheet
$291.2M
net cash
Quant / Vol
risk profile
Volatility
29%
annualized · 1-yr
Max drawdown
−16%
past year
ATR
2.1%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the 8-K filed Jul 23, 2026
Core non-interest income growth
· FY26
Initiated
4%
Positive operating leverage
· FY26
Maintained
3% – 4%
Jan 22, 2026
3% – 4%
changed to
Jul 23, 2026
3% – 4%
Technology spend growth
· FY26
Maintained
18%
Jan 22, 2026
18%
changed to
Jul 23, 2026
18%
Core ROAA
· FY26
Non-GAAP
Lowered
1.29%
Jan 22, 2026
1.35%
changed to
Jul 23, 2026
1.29%
Prior guidance
period ended
· from the 8-K filed Oct 23, 2025
Tier 1 leverage baseline
· 2025
9%
Core efficiency outer band
· 2025
52%
Core revenue growth
· 2025
3.5% – 5%
Annual core ROAA
· 2025
1.3%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+24%
Bullish
Price vs 50-day avg
+3%
Bullish
RSI (14)
49
Neutral
MACD trend
Negative
Bearish
52-week position
91%
Bullish
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $47 › 200d $40 — 50d above 200d
Institutional flow
Accumulating
+11% holders QoQ · +36 funds added
Insider flow
Distributing
Net -$515.2K over 90 days · 100% sells
Short interest
Falling
3.19% of float · ▼ -2.1% MoM · 5.4 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
194 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $25
Now $49 · 91%
Range high $51
vs 200-day avg +24%
vs 50-day avg +3%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| % of Loan Portfolio with Floating Rate of Interest | 14.8% | 2Q26 | — |
| 2 day Liquidity Coverage of Uninsured Deposits | 99.9% | 2Q26 | — |
| Allowance for credit losses on loans | 68.9M | Q2 2026 | — |
| Annualized net charge-offs to average loans | 0.25% | June 30, 2026 | — |
| Average cost of total deposits | 146 | Q2 2026 | — |
| Cash and Borrowing Capacity Coverage of Uninsured, Non-Supercore Deposits | 171.3% | 2Q26 | — |
| Common Equity Tier 1 ratio | 14.2% | second quarter 2026 | — |
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| Core Efficiency non-GAAP | 49.1% | 2Q26 | — |
| Core EPS non-GAAP | $1.1 | 2Q26 | — |
| Core net income non-GAAP | $33.1M | second quarter 2026 | — |
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| Core net income excluding recognized tax credit non-GAAP | $32.68M | 2Q26 | — |
| Core Non-Interest Expense non-GAAP | $47.2M | 2Q26 | — |
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| Core non-interest income non-GAAP | $10M | second quarter 2026 | — |
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| Core return on average assets non-GAAP | 1.42% | second quarter 2026 | — |
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| Core return on average tangible common equity non-GAAP | 16.51% | second quarter 2026 | — |
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| Criticized and classified loans | 152M | 2Q26 | — |
| Deposit Growth | 280.3M | 2Q26 | — |
| Interest-Bearing Deposit Cost | 244 | 2Q26 | — |
| Loan+PACE/Deposit Ratio | 76.7% | 2Q26 | — |
| Loan/Deposit Ratio | 60.9% | 2Q26 | — |
| Net interest margin | 3.78% | second quarter 2026 | — |
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| Non-Interest Bearing % of Avg Deposits | 40.2% | 2Q26 | — |
| Non-Interest Bearing % of Deposit Portfolio | 38.9% | 2Q26 | — |
| Non-interest-bearing deposits as a percentage of average total deposits | 40% | Q2 2026 | — |
| Non-Performing Assets/Total Assets | 1.09% | 2Q26 | — |
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| Nonperforming assets | $102.7M | second quarter 2026 | — |
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| Pass-Rated Loans as a % of Loan Portfolio | 97% | 2Q26 | — |
| Political Deposits | $2.08B | 2Q26 | — |
| Political Deposits as a % of GAAP Deposits | 24.5% | 2Q26 | — |
| Quarterly net charge-offs / average loans | 0.25% | 2Q26 | — |
| Ratio of allowance for credit losses to total loans | 1.34% | Q2 2026 | — |
| Super-core deposits non-GAAP | $5.1B | second quarter 2026 | — |
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| Tangible book value per share non-GAAP | $27.47 | second quarter 2026 | — |
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| Tangible common equity ratio non-GAAP | 8.74% | second quarter 2026 | — |
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| Tier 1 leverage ratio | 9.2% | second quarter 2026 | — |
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| Total Deposits ex Brokered | $8.46B | 2Q26 | — |
| Total Mission-Aligned Loans | $2.93B | 2Q26 | — |
| Total Non Interest Income | $10M | 2Q26 | — |
| Total Risk-Based Capital ratio | 16.43% | Q2 2026 | — |
| Total uninsured deposits | 4.8B | Q2 2026 | — |
| Trust Assets Under Custody | $39.4B | 2Q26 | — |
| Trust Assets Under Management | $17.2B | 2Q26 | — |
| Uninsured % of On-Balance Sheet Deposits | 57.2% | 2Q26 | — |
| Classified or criticized assets as a percentage of total loans | 2.21% | Full Year 2025 | — |
| Core efficiency ratio non-GAAP | 51.13% | Q4 2025 | — |
| Multifamily and commercial real estate loan portfolio concentration to total risk based capital | 214% | Q4 2025 | — |
| Shares repurchased during the quarter | 309,000 | Q4 2025 | — |
| Total liquidity to uninsured deposits ratio | 103% | Q4 2025 | — |
| Total liquidity within two-days | $4.7B | Q4 2025 | — |
| Uninsured deposits as a percentage of total deposits | 58% | Q4 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
AMAL
this stock
Amalgamated Financial Corp.
|
$1.46B | +52.6% | — | 13.0 | 3.2% |
|
MFG
Mizuho Financial Group Inc
|
$123.19B | +38.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.1% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +18.7% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| AMAL | -4.3% | +0.5% | +27.0% | -1.0% | +52.6% |
| SPY | -2.0% | +3.3% | +11.2% | +2.1% | +11.8% |
| vs SPY | -2.4% | -2.9% | +15.8% | -3.1% | +40.8% |
Capital returns
Latest dividend
$0.17
/ share · ex Aug 4, 2026
Paid (TTM)
$0.65
/ share · 4 payouts
Dividend yield (TTM, derived)
1.33%
Buyback program
· as of Jun 9, 2026
Authorized
$40.00M
Spent (derived)
—
Remaining
—
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
1823608
CUSIP
022671101
13F (30d)
182 filings
181 filers
Visit website
Investor relations