Amalgamated Financial Corp. (AMAL) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

ConnectOne Bancorp, Inc.

First Mid Bancshares, Inc.

Community Trust Bancorp, Inc. (Kentucky)

Amalgamated Financial Corp.

Heritage Financial Corp. (Washington)

HBT Financial, Inc.

Coastal Financial Corp. (Washington)

First Community Bancshares, Inc. (Virginia)

Premier Financial Corp.

Great Southern Bancorp, Inc. (Missouri)

Eagle Bancorp, Inc. (Maryland)

Why is Amalgamated Financial Corp. ?

High Profitability with a Net Interest Margin of 8.16%

Strong Long Term Fundamental Strength with a 17.73% CAGR growth in Net Profits

Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 17.73%

Positive results in Mar 26

OPERATING CASH FLOW(Y) Highest at USD 157.43 MM
NII(Q) Highest at USD 80.16 MM
DIVIDEND PAYOUT RATIO(Y) Highest at 20.32%

With ROA of 0.63%, it has a fair valuation with a 1.42 Price to Book Value

The stock is trading at a fair value compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 41.99%, its profits have fallen by -1.9% ; the PEG ratio of the company is 10.8

High Institutional Holdings at 71.29%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 1.04% over the previous quarter.

Consistent Returns over the last 3 years

Along with generating 41.99% returns in the last 1 year, the stock has outperformed S&P 500 in each of the last 3 annual periods

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Amalgamated Financial Corp. should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Amalgamated Financial Corp. for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

Amalgamated Financial Corp.

41.99%

2.43

31.54%

S&P 500

22.99%

1.78

12.93%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

17.25%

EBIT Growth (5y)

15.91%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

16.42%

Pledged Shares

Institutional Holding

71.29%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.42

EV to EBIT

6.70

EV to EBITDA

6.38

EV to Capital Employed

1.59

EV to Sales

2.14

PEG Ratio

10.84

Dividend Yield

197.87%

ROCE (Latest)

23.78%

ROE (Latest)

13.15%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Dow Theory

No Trend

Mildly Bearish

OBV

No Trend

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

10What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 157.43 MM

NII(Q)

Highest at USD 80.16 MM

DIVIDEND PAYOUT RATIO(Y)

Highest at 20.32%

DIVIDEND PER SHARE(HY)

Highest at USD 0

-2What is not working for the Company

GROSS NPA (%)

Here's what is working for Amalgamated Financial Corp.

NII

Highest at USD 80.16 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Operating Cash Flow

Highest at USD 157.43 MM and Grown

In each year in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Dividend Payout Ratio

Highest at 20.32%

in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)

Here's what is not working for Amalgamated Financial Corp.

Non Performing Loans (%)

Highest at 1.95%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Non Operating Income

Highest at USD 0.02 MM

in the last five periods

MOJO Watch

Increased income from non business activities may not be sustainable

Non Operating income