$AMAL Market Cap: $1.101 Billion
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Financial Snapshot

Revenue
$298.7M
TTM
Gross Margin
Net Earnings
$81.94M
TTM
Current Assets
Current Liabilities
Current Ratio
Total Assets
$8.257B
Q4 2024
Total Liabilities
$7.549B
Q4 2024
Book Value
$707.7M
Q4 2024
Cash
$60.75M
Q4 2024
P/E
13.43
Nov 29, 2024 EST
Free Cash Flow
$94.02M
TTM

Revenues

Revenues

Revenue YoY Change

Revenues

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue $401.3M $358.1M $258.5M $180.5M $190.5M $186.0M $164.0M
YoY Change 12.07% 38.53% 43.19% -5.23% 2.44% 13.41%

Expenses

Cost Of Revenues

No data

Gross Profit

No data

Gross Profit Margin

No data

Gross Profit

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue $401.3M $358.1M $258.5M $180.5M $190.5M $186.0M $164.0M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

No data

Research & Development

No data

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

No data

R&D To Gross Profit Ratio

No data

DDA To Gross Profit Ratio

No data

Operating Expenses Total

No data

Operating Profits/Loss

No data

Operational Expenses

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $4.703M $3.526M $3.547M $3.638M $6.194M $4.629M $4.196M $4.970M $4.330M
YoY Change 33.38% -0.59% -2.5% -41.27% 33.81% 10.32% -15.57% 14.78%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

No data

Other Expense/Income

No data

Interest & Other Expense/Income

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016
Interest Expense $96.77M $18.65M $6.222M $10.48M $19.32M $14.22M
YoY Change 418.88% 199.73% -40.62% -45.75% 35.85%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016
Pretax Income $145.6M $124.7M $108.2M $70.73M $61.94M $64.17M $50.32M $19.70M $10.70M
YoY Change 16.72% 15.32% 52.94% 14.18% -3.48% 27.53% 155.43% 84.11% 72.58%
Income Tax $39.16M $36.75M $26.69M $17.79M $15.76M $16.97M $5.666M -$300.0K $100.0K
% Of Pretax Income 26.89% 29.47% 24.67% 25.15% 25.43% 26.45% 11.26% -1.52% 0.93%
Net Earnings $106.4M $87.98M $81.48M $52.94M $46.19M $47.20M $44.65M $6.100M $10.60M
YoY Change 20.98% 7.98% 53.91% 14.61% -2.15% 5.71% 632.03% -42.45% -45.64%
Net Earnings / Revenue 26.52% 24.57% 31.52% 29.32% 24.25% 25.38% 27.23%
Basic Earnings Per Share $3.48 $2.88 $2.64 $1.70 $1.48 $1.49 $1.47
Diluted Earnings Per Share $3.44 $2.86 $2.612M $1.68 $1.48 $1.47 $1.46 $191.8K $333.3K

Assets & Liabilities

Cash & Short-Term Investments

No data

Cash & Equivalents

Cash To Operating Expenses Ratio

No data

Inventory

No data

Receivables

No data

Total Short-Term Assets

No data

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

No data

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

No data

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

No data

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $28.88M $38.09M $44.85M $49.10M $65.10M $21.70M $22.40M $25.50M
YoY Change -24.18% -15.07% -8.66% -24.58% 200.0% -3.13% -12.16%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments $13.02M $8.305M $6.856M $11.70M
YoY Change 56.82% 21.13% -41.4%
Other Assets $56.60M $62.51M $30.00M $47.30M $31.40M $39.70M $39.30M $49.80M
YoY Change -9.45% 108.37% -36.58% 50.64% -20.91% 1.02% -21.08%
Total Long-Term Assets
YoY Change
Total Assets $7.972B $7.843B $7.078B $5.979B $5.325B $4.686B $4.041B $4.043B
YoY Change
Accounts Payable $1.400M $2.900M
YoY Change -51.72%
Accrued Expenses $30.65M $40.78M $48.16M $53.20M $62.40M $0.00 $0.00
YoY Change -24.85% -15.33% -9.47% -14.74%
Deferred Revenue
YoY Change
Short-Term Debt $230.0M
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $260.6M $40.78M $48.16M $53.20M $62.40M $1.400M $2.900M
YoY Change 539.17% -15.33% -9.47% -14.74% -51.72%
Long-Term Debt $70.55M $77.71M $83.83M $0.00 $0.00 $0.00 $402.6M $0.00
YoY Change -9.22% -7.3% -100.0%
Other Long-Term Liabilities $39.40M $40.65M $25.76M $50.90M $56.40M $47.90M $59.90M $50.10M
YoY Change -3.07% 57.81% -49.4% -9.75% 17.75% -20.03% 19.56%
Total Long-Term Liabilities $109.9M $118.4M $109.6M $50.90M $56.40M $47.90M $462.5M $50.10M
YoY Change -7.1% 8.0% 115.3% -9.75% 17.75% -89.64% 823.15%
Total Liabilities $7.387B $7.334B $6.514B $5.443B $4.835B $4.246B $3.697B $3.702B
YoY Change 0.72% 12.59% 19.68% 12.58% 13.86% 14.85% -0.12%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

No data

Treasury Stock Shares

No data

Stock Issuance & Repurchase

Ownership Data

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016
Basic Shares Outstanding 30.59M shares 30.56M shares 30.82M shares 31.10M shares 31.13M shares 31.73M shares 30.37M shares
Diluted Shares Outstanding 30.94M shares 30.79M shares 31.19M shares 31.51M shares 31.23M shares 32.21M shares 30.63M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Dividends

Stock Price

Market Cap: $1.1007 Billion

About Amalgamated Financial Corp.

Amalgamated Financial Corp. operates as a holding company for Amalgamated Bank. The company is headquartered in New York City, New York and currently employs 425 full-time employees. The company went IPO on 2018-06-06. The Bank offers a complete suite of commercial and retail banking, investment management and trust and custody services. Its commercial banking and trust businesses are national in scope and the Bank also offers a full range of products and services to both commercial and retail customers through its three branch offices across New York City, one branch office in Washington, D.C., one branch office in San Francisco, one commercial office in Boston and its digital banking platform. Its corporate divisions include Commercial Banking, Trust and Investment Management and Consumer Banking. Its product line includes residential mortgage loans, commercial and industrial (C&I) loans, commercial real estate (CRE) loans, multifamily loans, consumer loans and a variety of commercial and consumer deposit products. The company also offers online banking and bill payment services, online cash management, safe deposit box rentals and others.

Industry: State Commercial Banks Peers: Bank First Corp FIRST BANCSHARES INC /MS/ GREAT SOUTHERN BANCORP, INC. HANMI FINANCIAL CORP HarborOne Bancorp, Inc. HERITAGE COMMERCE CORP Metropolitan Bank Holding Corp. PNC FINANCIAL SERVICES GROUP, INC. REPUBLIC BANCORP INC /KY/ UNIVEST FINANCIAL Corp