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Definitive Analysis

Financial Statements

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Ticker

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Page: Company Financials

Amalgamated Financial Corp.

Ticker: AMAL | Industry: Banks - Regional | Sector: Financial Services
$38.02 -0.41 (-1.07%)
As of: 2026-01-23

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Enterprise Value

Metric MRQ MRQ-1 2025 2024 2023 2022 2021 2020 2019 2018 2017
Stock Price 27.15 31.20 29.03 28.77 19.49 20.84 16.20 11.95 17.13 16.37 13.25
Market Capitalization 819.28M 953.41M 884.93M 880.16M 595.05M 641.77M 503.97M 371.89M 542.88M 513.46M 410.10M
(-) Cash & Equivalents 115.54M 171.07M 117.44M 105.79M 106.85M 209.09M 518.27M 408.13M 107.95M 99.18M 29.11M
(+) Total Debt 90.28M 90.85M 89.33M 173.47M 316.32M 288.91M 71.16M 56.44M 236.55M 99.73M 100.65M
Enterprise Value 794.01M 873.20M 856.82M 947.84M 804.51M 721.60M 56.86M 20.20M 671.47M 514.00M 481.64M

Income Statement

Metric TTM TTM-1 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31 2017-12-31 2016-12-31 2015-12-31 2014-12-31
Revenue 448M 429M 435M 382M 285M 209M 224M 215M 192M 167M 158M 124M 110M
Cost of Revenue 138M 128M 129M 111M 34M 6M 35M 23M 14M 24M 23M 24M 30M
Gross Profit 309M 301M 306M 271M 252M 203M 188M 192M 178M 143M 135M 100M 80M
Gross Profit Margin 69.1% 70.1% 70.3% 70.9% 88.2% 97.2% 84.2% 89.2% 92.7% 85.4% 85.3% 80.6% 73.1%
R&D Expenses 0M 0M 0M 0M 0M 0M 0M 0M 0M 0M 0M 0M 0M
SG&A Expenses 101M 98M 101M 94M 82M 76M 76M 84M 86M 76M 105M 118M 129M
Operating Expenses 169M 153M 161M 146M 143M 132M 126M 128M 128M 123M 105M 142M 158M
Operating Income (EBIT) 140M 148M 146M 125M 108M 71M 62M 64M 50M 20M 30M -42M -78M
Operating Income Margin 31.3% 34.4% 33.4% 32.6% 37.9% 33.9% 27.7% 29.8% 26.2% 11.8% 18.7% -33.7% -71.6%
Interest Income 417M 395M 401M 358M 258M 181M 190M 186M 164M 139M 0M 0M 0M
Interest Expense 124M 118M 119M 97M 19M 6M 10M 19M 14M 18M 23M 24M 30M
Net Interest Income 293M 277M 282M 261M 240M 174M 180M 167M 150M 121M -23M -24M -30M
Unusual Items -293M -277M -282M -261M -240M -174M -180M -167M -150M -121M 4M 72M 89M
EBT Excluding Unusual Items 433M 424M 428M 386M 348M 245M 242M 231M 200M 141M 6M -66M -108M
Pre-Tax Income 140M 148M 146M 125M 108M 71M 62M 64M 50M 20M 11M 6M -19M
Pre-Tax Margin 31.3% 34.4% 33.4% 32.6% 37.9% 33.9% 27.7% 29.8% 26.2% 11.8% 6.7% 5.0% -17.7%
Income Tax Expense 38M 43M 39M 37M 27M 18M 16M 17M 6M 14M 0M -13M -8M
Net Income 102M 105M 106M 88M 81M 53M 46M 47M 45M 6M 11M 20M -12M
Net Income Margin 22.8% 24.4% 24.4% 23.0% 28.6% 25.4% 20.6% 21.9% 23.2% 3.7% 6.7% 15.7% -10.8%
Depreciation & Amortization 4M 4M 5M 6M 10M 5M 8M 6M 5M 5M 4M 24M 30M
EBITDA 144M 152M 151M 131M 119M 76M 70M 70M 55M 25M 34M -18M -49M
EBITDA Margin 32.1% 35.4% 34.7% 34.3% 41.6% 36.2% 31.1% 32.6% 28.9% 14.8% 21.5% -14.4% -44.7%
NOPAT 102M 105M 106M 88M 81M 53M 46M 47M 45M 6M 29M -131M -62M
NOPAT Margin 22.8% 24.4% 24.4% 23.0% 28.6% 25.4% 20.6% 21.9% 23.2% 3.7% 18.5% -105.4% -56.6%
Owner's Earnings 103M 107M 110M 93M 90M 55M 52M 52M 48M 9M 2M 44M 18M
Owner's Earnings Margin 23.0% 25.0% 25.3% 24.3% 31.6% 26.5% 23.3% 24.4% 25.2% 5.5% 1.5% 35.1% 16.2%
EPS (Basic) 3.36 3.43 3.48 2.88 2.64 1.70 1.48 1.49 1.47 0.19 0.35 0.61 -0.37
EPS (Diluted) 3.33 3.40 3.44 2.86 2.61 1.68 1.48 1.47 1.46 0.19 0.35 0.61 -0.37
Shares (Basic) 31M 31M 31M 31M 31M 31M 31M 32M 30M 32M 30M 32M 32M
Shares (Diluted) 31M 31M 31M 31M 31M 32M 31M 32M 31M 32M 30M 32M 32M

Balance Sheet

Metric MRQ MRQ-1 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31 2017-12-31 2016-12-31
Cash & Cash Equivalents 115.54M 171.07M 60.75M 90.17M 63.54M 330.49M 38.77M 122.54M 80.85M 116.46M 140.64M
Short-Term Investments 554.68M 601.32M 1,629.06M 1,483.44M 1,812.48M 2,113.41M 1,539.86M 1,224.77M 1,175.17M 943.36M -140.64M
Cash & Short-Term Investments 670.23M 772.39M 1,689.81M 1,573.61M 1,876.02M 2,443.90M 1,578.63M 1,347.31M 1,256.02M 1,059.82M 0.00M
Net Receivables 57.06M 55.51M 61.17M 55.48M 41.44M 28.82M 23.97M 19.09M 14.39M 11.18M 0.00M
Inventory 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Other Current Assets 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 159.49M
Total Current Assets 727.29M 827.90M 1,750.98M 1,629.10M 1,917.46M 2,472.72M 1,602.60M 1,366.40M 1,270.40M 1,071.00M 159.49M
Property, Plant & Equipment 17.65M 20.20M 20.62M 28.88M 38.09M 44.85M 49.08M 65.08M 21.65M 22.42M 25.52M
Goodwill 12.94M 12.94M 12.94M 12.94M 12.94M 12.94M 12.94M 12.94M 12.90M 0.00M 0.00M
Intangible Assets 1.10M 1.20M 1.49M 2.22M 3.11M 4.15M 5.36M 6.73M 8.14M 0.00M 0.00M
Long-Term Investments 5,835.46M 5,764.64M 6,245.12M 6,057.30M 5,618.52M 4,130.06M 3,964.67M 3,733.80M 3,214.72M 2,789.51M 163.65M
Tax Assets 28.01M 33.69M 42.44M 56.60M 62.51M 26.72M 36.08M 31.44M 39.70M 39.31M 49.82M
Other Non-Current Assets 2,060.53M 1,960.78M 183.32M 185.29M 190.51M 386.44M 307.91M 108.96M 117.98M 118.92M 90.47M
Other Assets 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Total Non-Current Assets 7,955.68M 7,793.44M 6,505.91M 6,343.23M 5,925.67M 4,605.16M 4,376.03M 3,958.94M 3,415.09M 2,970.17M 329.47M
Total Assets 8,682.97M 8,621.34M 8,256.89M 7,972.32M 7,843.12M 7,077.88M 5,978.63M 5,325.34M 4,685.49M 4,041.16M 488.96M
Accounts Payable 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 2.92M
Short-Term Debt 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Tax Payables 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Deferred Revenue 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Other Current Liabilities 7,769.97M 7,733.27M 7,180.61M 7,011.99M 6,595.04M 6,356.26M 5,338.71M 4,640.98M 4,105.31M 3,233.11M 2,227.35M
Total Current Liabilities 7,769.97M 7,733.27M 7,180.61M 7,011.99M 6,595.04M 6,356.26M 5,338.71M 4,640.98M 4,105.31M 3,233.11M 2,230.27M
Long-Term Debt 75.48M 75.46M 314.41M 304.93M 657.71M 83.83M 0.00M 75.00M 92.88M 402.61M 430.57M
Capital Lease Obligations 14.80M 0.00M 19.73M 30.65M 40.78M 48.16M 53.17M 62.40M 0.00M 0.00M 0.00M
Deferred Tax Liabilities 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Other Non-Current Liabilities 47.15M 43.23M 34.49M 39.40M 40.65M 25.76M 50.93M 56.41M 47.94M 61.38M 0.00M
Total Non-Current Liabilities 137.43M 118.69M 368.63M 374.97M 739.13M 157.75M 104.10M 193.81M 140.81M 463.99M 430.57M
Total Liabilities 7,907.40M 7,851.96M 7,549.24M 7,386.96M 7,334.17M 6,514.00M 5,442.81M 4,834.79M 4,246.12M 3,697.09M 2,660.84M
Preferred Stock 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 6.70M 6.70M
Common Stock 0.31M 0.31M 0.31M 0.31M 0.31M 0.31M 0.31M 0.32M 0.32M 0.28M 14.03M
Retained Earnings 544.90M 522.41M 480.14M 388.03M 330.28M 260.05M 217.21M 181.13M 142.23M 99.51M 93.13M
Accumulated OCI -35.21M -42.98M -58.64M -86.00M -108.71M 5.41M 17.18M 3.23M -11.99M -6.32M -2.91M
Minority Interest 0.00M 0.00M 0.00M 0.13M 0.13M 0.13M 0.13M 0.13M 0.13M 0.13M 0.13M
Total Shareholders’ Equity 510.00M 479.73M 421.82M 302.34M 221.88M 265.77M 234.70M 184.67M 130.56M 100.16M 110.95M
Total Equity 510.00M 479.73M 421.82M 302.47M 222.01M 265.90M 234.83M 184.81M 130.69M 100.30M 111.09M
Total Liabilities & Equity 8,417.40M 8,331.69M 7,971.05M 7,689.43M 7,556.18M 6,779.90M 5,677.64M 5,019.60M 4,376.81M 3,797.39M 2,771.93M
Tangible Assets 8,668.94M 8,607.20M 8,242.47M 7,957.17M 7,827.08M 7,060.79M 5,960.34M 5,305.67M 4,664.45M 4,041.16M 488.96M
Tangible Equity 495.97M 465.60M 407.39M 287.32M 205.97M 248.81M 216.54M 165.14M 109.65M 100.30M 111.09M
Tangible Book Value 495.97M 465.60M 407.39M 287.32M 205.97M 248.81M 216.54M 165.14M 109.65M 100.30M 111.09M
Total Investments 6,390.14M 6,365.96M 7,874.18M 7,540.35M 7,431.00M 6,243.47M 5,504.53M 4,958.57M 4,389.89M 3,732.87M 163.65M
Net Debt -40.07M -95.61M 253.66M 214.76M 594.17M -246.65M -38.77M -47.54M 12.03M 286.15M 289.94M

Capital Metrics

Metric MRQ MRQ-1 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31 2017-12-31 2016-12-31
Working Capital -7,042.7M -6,905.4M -5,429.6M -5,382.9M -4,677.6M -3,883.5M -3,736.1M -3,274.6M -2,834.9M -2,162.1M -2,070.8M
Total Capital 865.9M 844.8M 1,041.8M 920.8M 1,207.3M 695.7M 588.9M 627.8M 532.1M 746.5M 979.8M
Capital Employed 913.0M 888.1M 1,076.3M 960.3M 1,248.1M 721.6M 639.9M 684.4M 580.2M 808.1M 1,812.2M
Invested Capital 750.3M 673.8M 981.0M 830.6M 1,143.8M 365.2M 550.1M 505.3M 451.3M 630.1M 839.2M

Cash Flow Statement

Metric TTM TTM-1 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31 2017-12-31 2016-12-31
Net Income 102.30M 104.64M 106.43M 87.98M 81.48M 52.94M 46.19M 47.20M 44.65M 6.11M 10.56M
Depreciation & Amortization 3.60M 4.08M 5.43M 6.40M 10.35M 4.85M 7.56M 6.00M 5.17M 4.97M 4.33M
Deferred Income Tax 7.64M 2.04M 5.18M 4.24M 14.38M 7.05M -0.41M 5.03M 4.66M 13.22M -0.41M
Stock-Based Compensation 6.52M 5.22M 5.53M 4.69M 2.68M 1.80M 2.39M 2.44M 0.92M 0.00M 0.00M
Change in Working Capital -13.09M -28.72M -26.87M -4.39M -1.25M -10.60M 0.51M 24.35M -28.16M -13.93M -9.63M
Accounts Receivable -2.80M -6.52M -5.69M -14.04M -12.62M -4.85M -4.88M -4.70M -1.96M -1.47M -0.45M
Inventory 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Accounts Payable 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.35M -0.40M -1.49M 0.00M
Other Working Capital -10.29M -22.20M -21.19M 9.65M 11.37M -5.75M 5.40M 28.70M -25.80M -10.97M -9.63M
Other Non-Cash Items 20.68M 23.12M 28.36M 18.31M 39.69M 14.51M 9.53M -1.56M 3.78M 13.57M 5.59M
Net Cash from Operating Activities 127.64M 110.38M 124.07M 117.22M 147.32M 70.54M 65.77M 83.46M 31.02M 23.94M 8.36M
Capital Expenditures (PPE) -2.97M -1.30M -1.78M -1.48M -1.67M -2.40M -1.61M -0.75M -1.43M -1.87M -12.53M
Acquisitions (Net) 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 31.74M 0.00M -0.95M
Purchases of Investments -950.05M -894.51M -916.72M -380.95M -1,263.82M -1,699.11M -970.82M -770.91M -597.29M -419.93M -430.42M
Sales / Maturities of Investments 859.91M 757.66M 909.25M 562.07M 714.88M 739.29M 426.00M 459.83M 382.88M 652.71M 358.61M
Other Investing Activities -207.60M -315.05M -306.70M -314.05M -651.88M 96.81M -208.71M -234.05M -74.22M -266.02M -249.72M
Net Cash from Investing Activities -300.70M -453.20M -315.95M -134.41M -1,202.49M -865.41M -755.14M -545.88M -258.31M -35.10M -335.01M
Net Debt Issuance 6.96M -235.55M 10.40M -351.67M 574.37M 83.83M -75.00M -17.88M -309.73M -201.63M -53.15M
Long-Term Debt Issuance 6.96M -235.55M 10.40M -351.67M 574.37M 83.83M -75.00M -17.88M -309.73M -201.63M -53.15M
Short-Term Debt Issuance 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Net Stock Issuance -24.63M -1.37M -1.28M -8.32M -12.48M -2.92M -7.01M -5.79M -13.94M 0.00M -2.06M
Common Stock Issuance 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Common Stock Repurchased -24.63M -1.37M -1.28M -8.32M -12.48M -2.92M -7.01M -5.79M -6.97M 0.00M -2.06M
Preferred Stock Issuance 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M -6.97M 0.00M 0.00M
Net Dividends Paid -16.70M -13.61M -14.23M -12.33M -11.21M -9.98M -9.99M -8.30M -1.93M -0.39M 0.00M
Common Dividends Paid -16.70M -13.61M -14.23M -12.33M -11.21M -9.98M -9.99M -8.30M -1.93M -0.39M 0.00M
Preferred Dividends Paid 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Other Financing Activities 173.77M 602.54M 167.18M 416.53M 237.55M 1,015.66M 697.59M 536.08M 517.27M 189.01M 275.97M
Net Cash from Financing Activities 139.40M 351.81M 162.06M 44.21M 788.22M 1,086.59M 605.60M 504.12M 191.67M -13.01M 220.77M
Effect of FX on Cash 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Net Change in Cash -33.66M 8.99M -29.82M 27.03M -266.95M 291.72M -83.77M 41.69M -35.61M -24.18M -105.88M
Cash at Beginning of Period 446.74M 443.99M 90.57M 63.54M 330.49M 38.77M 122.54M 80.85M 116.46M 140.64M 246.52M
Cash at End of Period 413.07M 452.97M 60.75M 90.57M 63.54M 330.49M 38.77M 122.54M 80.85M 116.46M 140.64M
Operating Cash Flow 127.64M 110.38M 124.07M 117.22M 147.32M 70.54M 65.77M 83.46M 31.02M 23.94M 8.36M
Capital Expenditure -2.97M -1.30M -1.78M -1.48M -1.67M -2.40M -1.61M -0.75M -1.43M -1.87M -12.53M
Free Cash Flow 124.67M 109.08M 122.29M 115.75M 145.65M 68.14M 64.16M 82.71M 29.59M 22.07M -4.17M

Free Cash Flow

Metric TTM TTM-1 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31 2017-12-31 2016-12-31
EBITDA 211.43M 206.35M 210.41M 183.47M 180.18M 132.07M 119.90M 113.94M 97.45M 71.32M 34.03M
(-) Tax Adjustment 56.88M 60.21M 56.59M 54.06M 44.45M 33.22M 30.50M 30.13M 10.97M 24.96M 0.44M
(-) Change In Working Capital -13.09M -28.72M -26.87M -4.39M -1.25M -10.60M 0.51M 24.35M -28.16M -13.93M -9.63M
(-) Capital Expenditure -2.97M -1.30M -1.78M -1.48M -1.67M -2.40M -1.61M -0.75M -1.43M -1.87M -12.53M
Unlevered Free Cash Flow 163.25M 173.56M 178.92M 132.32M 135.30M 107.06M 87.28M 58.71M 113.21M 58.42M 30.70M
(-) Net Interest Income After Taxes 214.20M 195.93M 206.47M 184.32M 180.66M 130.46M 134.23M 122.57M 132.88M 78.84M -23.00M
Net Debt Issuance 6.96M -235.55M 10.40M -351.67M 574.37M 83.83M -75.00M -17.88M -309.73M -201.63M -53.15M
Levered Free Cash Flow -43.99M -257.92M -17.15M -403.66M 529.00M 60.42M -121.95M -81.73M -329.40M -222.05M 0.55M