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.

Community Trust Bancorp, Inc. (Kentucky)

First Mid Bancshares, Inc.

Heritage Financial Corp. (Washington)

Coastal Financial Corp. (Washington)

HBT Financial, Inc.

Amalgamated Financial Corp.

Great Southern Bancorp, Inc. (Missouri)

First Community Bancshares, Inc. (Virginia)

Premier Financial Corp.

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 Dec 25

NII(Q) Highest at USD 77.85 MM
DIVIDEND PAYOUT RATIO(Y) Highest at 15.91%
DIVIDEND PER SHARE(HY) Highest at USD 0

With ROA of 0.65%, it has a fair valuation with a 1.06 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 26.55%, its profits have risen by 4.9% ; the PEG ratio of the company is 1.7

High Institutional Holdings at 70.25%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

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.

28.42%

1.64

32.67%

S&P 500

17.78%

0.90

19.38%

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)

16.67%

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

70.25%

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

1.06

EV to EBIT

4.95

EV to EBITDA

4.80

EV to Capital Employed

1.07

EV to Sales

1.70

PEG Ratio

1.74

Dividend Yield

261.01%

ROCE (Latest)

21.61%

ROE (Latest)

13.72%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Mildly Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Mildly Bearish

Dow Theory

Mildly Bearish

Bullish

OBV

No Trend

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

6What is working for the Company

NII(Q)

Highest at USD 77.85 MM

DIVIDEND PAYOUT RATIO(Y)

Highest at 15.91%

DIVIDEND PER SHARE(HY)

Highest at USD 0

-4What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 100.07 MM

OPERATING PROFIT(Q)

Lowest at USD 33.62 MM

OPERATING PROFIT MARGIN(Q)

Lowest at 31.18 %

Here's what is working for Amalgamated Financial Corp.

NII

Highest at USD 77.85 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (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 15.91%

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.

Operating Cash Flow

Lowest at USD 100.07 MM

in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Operating Profit

Lowest at USD 33.62 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (USD MM)

Operating Profit Margin

Lowest at 31.18 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales