AMAL
Amalgamated Financial Corp.
$45.04
-0.76 (-1.66%)
At close · Jul 8
Market Cap
$1.38B
Shares
29,867,347
Price & Indicators
Indicators
Price
Panels
Event markers
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$45.04
Open$45.64
Day$44.46–45.64
52W$24.90–47.89
Avg vol 30d155K
Short int1.0M · 3.4% float · 8.5d
Short vol46%
Last earningsApr 23, 2026
DataJan 2020–Jul 2026
Filing10-Q · May 5
Equibles Rating
blended score · not investment advice
Overall
Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Neutral
Fundamentals
Strong
Quant / Vol
Moderate
Market backdrop
VIX 16.9 · calm
Equity put/call 0.86
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+24%
above
Price vs 50-day avg
+5%
above
RSI (14)
53
neutral
MACD trend
Negative
52-week position
88%
near high
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+5%
trailing
6-month return
+36%
trailing
YTD return
+41%
this year
Relative strength
+29%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $43 › 200d $36 — 50d above 200d
Institutional flow
Accumulating
2 of 174 funds reported for Jun 30 · net +30.7K sh shares
Insider flow
Distributing
Net -$330.0K over 90 days · 100% sells
Short interest
Falling
3.35% of float · ▼ -1.0% MoM · 8.5 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
174 holders — mid 3-yr range
Squeeze score
57
elevated · 0–100
Fundamentals
EPS growth
−1%
Y/Y
Free cash flow
$134.4M
Valuation
P/E 13.5
in line
Buyback
$40.0M
remaining
Balance sheet
$291.2M
net cash
Quant / Vol
risk profile
Volatility
31%
annualized · 1-yr
Max drawdown
−24%
past year
ATR
2.7%
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.
Up next
Next earnings call
Jul 23, 2026
Est · unconfirmed
· in 2 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed May 5, 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
Guidance & track record
Latest guidance
· from the Earnings Call filed Mar 31, 2026
Core expenses full-year target
· full-year 2026
Non-GAAP
Initiated
$188M
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
+5%
Bullish
RSI (14)
53
Neutral
MACD trend
Negative
Bearish
52-week position
88%
Bullish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 2 of 6
Trend (MA cross)
No cross
50d $43 › 200d $36 — 50d above 200d
Institutional flow
Accumulating
2 of 174 funds reported for Jun 30 · net +30.7K sh shares
Insider flow
Distributing
Net -$330.0K over 90 days · 100% sells
Short interest
Falling
3.35% of float · ▼ -1.0% MoM · 8.5 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
174 holders — mid 3-yr range
Price context
position in its 52-week range
52-wk low $25
Now $45 · 88%
52-wk high $48
vs 200-day avg +24%
vs 50-day avg +5%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from its earnings releases, calls, and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| allowance for credit losses | $68.2M | Q1 FY2026 call | — |
| allowance for credit losses as a percent of total loans | 1.35% | Q1 FY2026 call | — |
| allowance for credit losses as percentage of total loans | 1.35% | Q1 2026 call | — |
| average noninterest-bearing deposits as percentage of total deposits | 41% | Q1 2026 call | — |
| core efficiency ratio non-GAAP | 49.55% | Q1 FY2026 call | — |
| core expenses non-GAAP | $45.3M | Q1 FY2026 call | — |
| core net income non-GAAP | $24.1M | Q1 FY2026 call | — |
| core noninterest income non-GAAP | $11.2M | Q1 2026 call | — |
|
|
|||
| labor franchise deposit growth | $106M | Q1 FY2026 call | — |
| loans in growth mode categories | $109M | Q1 FY2026 call | — |
| loans in growth mode categories growth | $109M | Q1 2026 call | — |
| net interest margin | 3.75% | Q1 2026 call | — |
|
|
|||
| net loans | $66M | Q1 FY2026 call | — |
| non-interest-bearing deposits as a percent of total deposits | 41% | Q1 FY2026 call | — |
| non-performing assets | $99.3M | Q1 FY2026 call | — |
| non-performing assets as a percent of total assets | 1.08% | Q1 FY2026 call | — |
| nonperforming assets as percentage of total assets | 1.08% | Q1 2026 call | — |
| not-for-profit deposit growth | $115M | Q1 FY2026 call | — |
| on-balance sheet deposits | $8.2B | Q1 FY2026 call | — |
| on-balance-sheet deposits | 8.2B | Q1 2026 call | — |
| PACE portfolio | $1.3B | Q1 FY2026 call | — |
| PACE portfolio total assessments | $15.8M | Q1 2026 call | — |
| political deposits | $1.9B | Q1 FY2026 call | — |
| provision expense (excluding single-borrower reserve) | $4.2M | Q1 FY2026 call | — |
| provision tied to single-borrower multifamily relationship | $9.2M | Q1 2026 call | — |
| return on average assets (excluding reserve build) non-GAAP | 1.41% | Q1 FY2026 call | — |
| return on tangible common equity (excluding reserve build) non-GAAP | 15.76% | Q1 FY2026 call | — |
| Tier 1 capital ratio | 9.33% | Q1 FY2026 call | — |
| Common Equity Tier 1 Capital Ratio | 14.26% | Q4 | — |
| Core net income per diluted share non-GAAP | $0.99 | Q4 | — |
| Core non-interest expense non-GAAP | $44.9M | Q4 | — |
| Core return on average assets non-GAAP | 1.37% | Q4 | — |
| Core return on average tangible common equity non-GAAP | 15.41% | Q4 | — |
| Tangible book value per share non-GAAP | $26.18 | Q4 | — |
| Tangible common equity ratio non-GAAP | 8.81% | Q4 | — |
| Tier 1 leverage ratio | 9.36% | Q4 | — |
Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file
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.
|
$1.38B | +41.2% | — | 13.5 | 3.4% |
|
HDB
Hdfc Bank Ltd
|
$136.15B | -28.4% | +15.2% | — | 0.3% |
|
MFG
Mizuho Financial Group Inc
|
$125.84B | +39.8% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$104.44B | -3.2% | — | — | 0.7% |
|
PNC
Pnc Financial Services Group, Inc.
|
$100.76B | +19.0% | +7.2% | 14.6 | 1.9% |
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 | -1.9% | +5.5% | +36.0% | -1.9% | +41.2% |
| SPY | -0.2% | +0.8% | +7.4% | -0.2% | +9.3% |
| vs SPY | -1.7% | +4.6% | +28.6% | -1.7% | +31.9% |
Capital returns
Latest dividend
$0.17
/ share · ex May 5, 2026
Paid (TTM)
$0.62
/ share · 4 payouts
Dividend yield (TTM, derived)
1.38%
Buyback program
· as of Jun 9, 2026
Authorized
$40.00M
Spent (derived)
$0
Remaining
$40.00M
Spent
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.