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Financials · AMAL

Amalgamated Financial Corp. (AMAL) financials

For the twelve months ended Sep 30, 2026, Amalgamated Financial Corp. reported $378.74M of revenue and $123.06M of net income.

Revenue, TTM
$378.74M
Revenue growth, YoY
+17.8%
Net income, TTM
$123.06M
Net income growth, YoY
+20.3%
Net margin
32.5%
Free cash flow, TTM
$139.63M
EPS, diluted, TTM
$4.07
EPS growth, YoY
+23.0%
Cash
$262.52M
P/E
12.20
P/S
3.96
Market cap
$1.50B
Annual revenue$328.72M
FY2018FY2025
Annual net income$104.45M
FY2018FY2025
Annual free cash flow$134.40M
FY2018FY2025

AMAL revenue and earnings growth

AMAL revenueQ3 2026$101.74M

Quarter YoY
+18.8%
QoQ
+3.4%
FY YoY
+4.1%
5Y CAGR
+8.3%

AMAL revenue was $101.74M in fiscal Q3 2026 (ended Sep 30, 2026), up 18.8% from a year earlier and up 3.4% from the prior quarter. For the full fiscal 2025 it was $328.72M, up 4.1% from fiscal 2024. Compound annual growth was +8.3% over 5 years. It rose in 6 of the last 7 fiscal years. Fiscal 2025 is the highest of the 8 fiscal years on file.

AMAL net incomeQ3 2026$36.43M

Quarter YoY
+36.0%
QoQ
+4.8%
FY YoY
-1.9%
5Y CAGR
+17.7%

AMAL net income was $36.43M in fiscal Q3 2026 (ended Sep 30, 2026), up 36.0% from a year earlier and up 4.8% from the prior quarter. For the full fiscal 2025 it was $104.45M, down 1.9% from fiscal 2024. Compound annual growth was +17.7% over 5 years. It rose in 5 of the last 7 fiscal years.

AMAL EPSQ3 2026$1.20

Quarter YoY
+36.4%
QoQ
+4.3%
FY YoY
-0.9%
5Y CAGR
+18.2%

AMAL diluted EPS was $1.20 in fiscal Q3 2026 (ended Sep 30, 2026), up 36.4% from a year earlier and up 4.3% from the prior quarter. For the full fiscal 2025 it was $3.41, down 0.9% from fiscal 2024. Compound annual growth was +18.2% over 5 years.

AMAL free cash flowQ3 2026$33.03M

Quarter YoY
-13.8%
QoQ
+68.5%
FY YoY
+9.9%
5Y CAGR
+15.9%

AMAL free cash flow was $33.03M in fiscal Q3 2026 (ended Sep 30, 2026), down 13.8% from a year earlier and up 68.5% from the prior quarter. For the full fiscal 2025 it was $134.40M, up 9.9% from fiscal 2024. Compound annual growth was +15.9% over 5 years. It rose in 5 of the last 7 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
Revenue$328.72M$315.64M$290.65M$263.74M$202.69M$220.62M$195.84M$178.06M
Interest expense--$96.77M$18.65M$6.22M$10.48M$19.32M$14.22M
Pre-tax income$140.16M$145.59M$124.73M$108.16M$70.72M$61.94M$64.17M$50.32M
Income tax$35.71M$39.16M$36.75M$26.69M$17.79M$15.76M$16.97M$5.67M
Net income$104.45M$106.43M$87.98M$81.48M$52.94M$46.19M$47.20M$44.65M
EPS, basic$3.44$3.48$2.88$2.64$1.70$1.48$1.49$1.47
EPS, diluted$3.41$3.44$2.86$2.61$1.68$1.48$1.47$1.46
Diluted shares30.6M30.9M30.8M31.2M31.5M31.2M32.2M30.6M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
Cash and equivalents$291.22M$60.75M$90.57M$63.54M$330.49M$38.77M$122.54M$80.84M
Goodwill$12.94M$12.94M$12.94M$12.94M$12.94M$12.94M$12.94M-
Total assets$8.87B$8.26B$7.97B$7.84B$7.08B$5.98B$5.33B-
Total debt-----$0$75.00M-
Total liabilities$8.08B$7.55B$7.39B$7.33B$6.51B$5.44B$4.83B-
Shareholders' equity$794.46M$707.65M$585.36M$508.95M$563.88M$535.82M$490.54M$439.37M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
Operating cash flow$135.78M$124.06M$117.22M$147.32M$70.54M$65.77M$83.46M$31.02M
Capital expenditures$1.38M$1.77M$1.48M$1.67M$2.40M$1.61M$753.0K$1.43M
Free cash flow$134.40M$122.29M$115.75M$145.65M$68.14M$64.16M$82.71M$29.59M
Investing cash flow-$378.02M-$315.95M-$134.41M-$1.20B-$865.41M-$755.14M-$545.88M-$258.31M
Financing cash flow$472.70M$162.06M$44.21M$788.22M$1.09B$605.60M$504.12M$191.67M
Dividends paid$17.20M$14.23M$12.33M$11.21M$9.98M$9.99M$8.30M$1.93M
Share repurchases$32.35M$1.13M$8.31M$12.48M$2.92M$7.00M$5.79M$0
Stock-based compensation$6.92M$5.53M$4.69M$2.68M$1.80M$2.39M$2.44M$920.0K
Depreciation and amortization$6.22M$4.70M$5.51M$9.30M$3.64M$6.19M$4.63M$4.20M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
Revenue growth, YoY4.1%8.6%10.2%30.1%-8.1%12.7%10.0%-
Net income growth, YoY-1.9%21.0%8.0%53.9%14.6%-2.1%5.7%-
EPS growth, YoY-0.9%20.3%9.6%55.4%13.5%0.7%0.7%-
Net margin31.8%33.7%30.3%30.9%26.1%20.9%24.1%25.1%
Free cash flow margin40.9%38.7%39.8%55.2%33.6%29.1%42.2%16.6%
Return on equity13.1%15.0%15.0%16.0%9.4%8.6%9.6%10.2%
Return on assets1.2%1.3%1.1%1.0%0.7%0.8%0.9%-
Debt to equity-----0.000.15-

Source: XBRL data Amalgamated Financial Corp. files with the SEC, latest filing dated Nov 3, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

AMAL peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
AMAL$378.74M+17.8%$123.06M32.5%$1.50B
JPM$203.15B+13.2%$65.98B32.5%$908.43B
BAC$120.16B+5.4%$32.24B26.8%$348.81B
WFC$87.23B+5.4%$22.97B26.3%$256.63B
C$85.22B+5.6%$14.31B16.8%$201.89B
UBS$49.57B+2.0%$7.80B15.7%$151.93B
MFG¥8.79T+7.6%¥1.16T13.2%$122.19B
COF$63.01B+31.2%$10.87B17.2%$119.45B
BNSC$37.74B+12.1%C$7.79B20.6%$114.51B

AMAL FAQ

8 questions
  • What is AMAL revenue?
    Amalgamated Financial Corp. (AMAL) reported $378.74M of revenue for the twelve months ended Sep 30, 2026. That is up 17.8% from the year before. Revenue for fiscal 2025 was $328.72M.
  • Is AMAL profitable?
    Yes. Amalgamated Financial Corp. earned $123.06M in net income for the twelve months ended Sep 30, 2026, a net margin of 32.5%.
  • How much cash and debt does AMAL have?
    Amalgamated Financial Corp. reported $262.52M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is AMAL revenue growing?
    Amalgamated Financial Corp.'s revenue changed +4.1% in fiscal 2025, to $328.72M. Its compound annual growth rate was +8.3% over 5 years.
  • What is AMAL free cash flow?
    Amalgamated Financial Corp. generated $139.63M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $165.81M less capital expenditures.
  • What is AMAL earnings per share?
    Diluted earnings per share were $4.07 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did AMAL last report financial results?
    The latest statements here come from Amalgamated Financial Corp.'s 10-Q filed on Nov 3, 2026, covering the period ended Sep 30, 2026.
  • Where does this AMAL financial data come from?
    Quantisnow builds these statements from the structured XBRL data Amalgamated Financial Corp. files with the SEC. It is provided for information only and is not investment advice.