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Amalgamated Financial (AMAL) Financials

Amalgamated Financial logo
$27.96 +0.25 (+0.90%)
Closing price 04:00 PM Eastern
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$27.96 -0.01 (-0.02%)
As of 04:05 PM Eastern
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Annual Income Statements for Amalgamated Financial

Annual Income Statements for Amalgamated Financial

This table shows Amalgamated Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2018 2019 2020 2021 2022 2023 2024
Net Income / (Loss) Attributable to Common Shareholders		 45 47 46 53 81 88 106
Consolidated Net Income / (Loss)		 45 47 46 53 81 88 106
Net Income / (Loss) Continuing Operations		 45 47 46 53 81 88 106
Total Pre-Tax Income 		50 64 62 71 108 125 146
Total Revenue		 178 196 221 203 264 291 316
Net Interest Income / (Expense)		 150 167 180 174 240 261 282
Total Interest Income		 164 186 190 181 258 358 401
Loans and Leases Interest Income		 130 140 142 123 146 191 215
Investment Securities Interest Income		 33 45 48 57 111 161 177
Deposits and Money Market Investments Interest Income		 1.44 0.95 0.70 0.65 2.19 5.78 8.67
Total Interest Expense		 14 19 10 6.22 19 97 119
Deposits Interest Expense		 9.57 14 10 5.82 11 81 113
Long-Term Debt Interest Expense		 4.65 4.86 0.03 0.40 7.59 16 5.41
Total Non-Interest Income		 28 29 41 28 24 29 33
Service Charges on Deposit Accounts		 8.18 8.54 9.20 9.36 11 11 32
Other Service Charges		 0.87 0.88 2.04 1.02 1.77 2.71 2.08
Net Realized & Unrealized Capital Gains on Investments		 -1.19 -0.47 11 2.28 -7.19 -2.43 -19
Investment Banking Income		 19 19 15 13 14 15 15
Other Non-Interest Income		 1.67 1.65 3.09 2.39 3.87 2.88 2.50
Provision for Credit Losses		 -0.26 3.84 25 -0.29 15 15 10
Total Non-Interest Expense		 128 128 134 132 141 151 160
Salaries and Employee Benefits		 67 70 69 70 75 86 94
Net Occupancy & Equipment Expense		 28 29 34 30 31 31 33
Marketing Expense		 3.40 2.91 3.51 3.23 3.74 4.18 3.73
Property & Liability Insurance Claims		 - - 3.15 2.53 3.23 4.02 3.72
Other Operating Expenses		 25 21 19 22 23 22 22
Depreciation Expense		 3.64 3.54 3.31 3.06 3.01 2.83 2.47
Amortization Expense		 0.97 1.37 1.37 1.21 1.05 0.89 0.73
Income Tax Expense		 5.67 17 16 18 27 37 39
Basic Earnings per Share		 $1.47 $1.49 $1.48 $1.70 $2.64 $2.88 $3.48
Weighted Average Basic Shares Outstanding		 - - 31.12M 31.12M 30.74M 30.51M 30.69M
Diluted Earnings per Share		 $1.46 $1.47 $1.48 $1.68 $2.61 $2.86 $3.44
Weighted Average Diluted Shares Outstanding		 - - 31.12M 31.12M 30.74M 30.51M 30.69M
Weighted Average Basic & Diluted Shares Outstanding		 - - 31.12M 31.12M 30.74M 30.51M 30.69M

Quarterly Income Statements for Amalgamated Financial

This table shows Amalgamated Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Net Income / (Loss) Attributable to Common Shareholders		 23 25 21 22 22 23 27 27 28 24
Consolidated Net Income / (Loss)		 23 25 21 22 22 23 27 27 28 24
Net Income / (Loss) Continuing Operations		 23 25 21 22 22 23 27 27 28 24
Total Pre-Tax Income 		31 32 29 29 31 35 39 36 38 33
Total Revenue		 73 72 72 71 71 77 78 78 81 78
Net Interest Income / (Expense)		 68 67 67 63 64 67 68 69 72 73
Total Interest Income		 71 79 85 86 91 96 97 99 103 103
Loans and Leases Interest Income		 38 42 45 45 50 52 52 51 54 58
Investment Securities Interest Income		 32 36 40 40 40 42 42 45 46 43
Deposits and Money Market Investments Interest Income		 0.97 0.49 0.62 1.06 1.69 2.42 2.59 2.69 2.27 1.11
Total Interest Expense		 3.19 11 18 23 28 29 29 30 31 29
Deposits Interest Expense		 2.49 5.68 14 19 23 25 26 29 30 29
Long-Term Debt Interest Expense		 0.70 5.52 3.82 4.12 4.35 3.35 3.01 0.89 0.60 0.91
Total Non-Interest Income		 5.00 4.23 5.21 7.94 6.78 9.40 10 9.26 8.94 4.79
Service Charges on Deposit Accounts		 2.74 2.99 2.46 2.71 2.73 3.10 6.14 8.61 12 5.34
Other Service Charges		 0.97 0.18 0.97 0.39 0.77 0.58 0.29 0.55 0.81 0.44
Net Realized & Unrealized Capital Gains on Investments		 -3.36 -3.54 -2.93 0.29 -1.12 1.33 -0.66 -4.17 -8.28 -5.62
Investment Banking Income		 3.87 3.61 3.93 4.01 3.68 3.56 3.85 3.66 3.70 3.97
Other Non-Interest Income		 0.79 0.99 0.78 0.55 0.73 0.83 0.61 0.62 0.61 0.66
Provision for Credit Losses		 5.36 4.43 4.96 3.94 2.01 3.76 1.59 3.16 1.85 3.69
Total Non-Interest Expense		 36 36 39 38 37 38 38 40 41 41
Salaries and Employee Benefits		 20 19 22 21 21 21 22 23 24 25
Net Occupancy & Equipment Expense		 7.63 7.42 7.95 7.52 7.89 7.99 7.53 8.17 8.51 8.68
Marketing Expense		 0.80 1.33 1.59 1.03 0.82 0.75 1.22 1.18 1.02 0.31
Property & Liability Insurance Claims		 1.01 0.79 0.72 1.10 1.20 1.00 1.05 1.05 0.90 0.72
Other Operating Expenses		 6.22 5.61 5.41 5.78 5.18 5.84 5.23 5.32 5.94 5.99
Depreciation Expense		 0.81 0.70 0.73 0.72 0.69 0.70 0.66 0.58 0.65 0.58
Amortization Expense		 0.26 0.26 0.22 0.22 0.22 0.22 0.18 0.18 0.18 0.18
Income Tax Expense		 8.07 6.81 7.57 7.82 8.85 13 11 9.02 10 8.56
Basic Earnings per Share		 $0.75 $0.79 $0.69 $0.71 $0.73 $0.75 $0.89 $0.88 $0.91 $0.80
Weighted Average Basic Shares Outstanding		 30.67M 30.74M 30.61M 30.46M 30.39M 30.51M 30.52M 30.64M 30.67M 30.69M
Diluted Earnings per Share		 $0.74 $0.79 $0.69 $0.70 $0.73 $0.74 $0.89 $0.87 $0.90 $0.78
Weighted Average Diluted Shares Outstanding		 30.67M 30.74M 30.61M 30.46M 30.39M 30.51M 30.52M 30.64M 30.67M 30.69M
Weighted Average Basic & Diluted Shares Outstanding		 30.67M 30.74M 30.61M 30.46M 30.39M 30.51M 30.52M 30.64M 30.67M 30.69M

Annual Cash Flow Statements for Amalgamated Financial

This table details how cash moves in and out of Amalgamated Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2018 2019 2020 2021 2022 2023 2024
Net Change in Cash & Equivalents		 -36 42 -84 292 -267 27 -30
Net Cash From Operating Activities		 31 83 66 71 147 117 124
Net Cash From Continuing Operating Activities		 31 83 66 71 147 117 124
Net Income / (Loss) Continuing Operations		 45 47 46 53 81 88 106
Consolidated Net Income / (Loss)		 45 47 46 53 81 88 106
Provision For Loan Losses		 -0.26 3.84 25 -0.29 15 15 10
Depreciation Expense		 4.20 4.63 6.19 3.64 9.30 5.51 4.70
Amortization Expense		 -0.26 -3.00 6.41 7.82 1.05 0.89 0.73
Non-Cash Adjustments to Reconcile Net Income		 11 6.45 -18 17 42 13 29
Changes in Operating Assets and Liabilities, net		 -28 24 0.51 -11 -1.25 -4.39 -27
Net Cash From Investing Activities		 -258 -546 -755 -865 -1,202 -134 -316
Net Cash From Continuing Investing Activities		 -258 -546 -755 -865 -1,202 -134 -316
Purchase of Property, Leasehold Improvements and Equipment		 -1.43 -0.75 -1.61 -2.40 -1.67 -1.48 -1.78
Purchase of Investment Securities		 -692 -771 -993 -1,699 -1,290 -673 -926
Sale and/or Maturity of Investments		 435 576 276 668 915 541 972
Other Investing Activities, net		 - -350 -37 168 -826 -0.76 -360
Net Cash From Financing Activities		 192 504 606 1,087 788 44 162
Net Cash From Continuing Financing Activities		 192 504 606 1,088 788 44 162
Net Change in Deposits		 510 536 698 1,018 239 417 169
Issuance of Common Equity		 0.00 - - 0.00 0.67 0.80 0.79
Repayment of Debt		 -310 -18 0.00 84 574 - 10
Repurchase of Common Equity		 0.00 -5.79 -7.00 -2.92 -14 -9.54 -3.36
Payment of Dividends		 -1.93 -8.30 -9.99 -9.98 -11 -12 -14
Other Financing Activities, Net		 -6.97 0.40 -0.14 - 0.00 0.00 -0.15
Cash Interest Paid		 15 19 11 6.04 18 86 129
Cash Income Taxes Paid		 3.56 9.31 9.82 5.69 6.65 23 30

Quarterly Cash Flow Statements for Amalgamated Financial

This table details how cash moves in and out of Amalgamated Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Net Change in Cash & Equivalents		 -266 -2.68 67 -65 75 -50 65 -97 91 -88
Net Cash From Operating Activities		 26 53 35 27 40 15 31 28 36 29
Net Cash From Continuing Operating Activities		 26 53 35 27 40 15 31 28 36 29
Net Income / (Loss) Continuing Operations		 23 25 21 22 22 23 27 27 28 24
Consolidated Net Income / (Loss)		 23 25 21 22 22 23 27 27 28 24
Provision For Loan Losses		 5.36 4.43 4.96 3.94 2.01 3.76 1.59 3.16 1.85 3.69
Depreciation Expense		 0.89 6.62 0.87 0.90 0.88 2.86 0.89 0.77 0.77 2.27
Amortization Expense		 1.65 -4.69 0.67 0.79 0.99 -1.56 1.32 -0.13 1.16 -1.62
Non-Cash Adjustments to Reconcile Net Income		 9.76 23 8.55 2.04 3.20 -1.22 6.21 5.09 7.94 9.54
Changes in Operating Assets and Liabilities, net		 -14 -1.16 -1.53 -2.05 10 -11 -5.99 -7.77 -3.75 -9.37
Net Cash From Investing Activities		 -227 7.91 35 -30 -57 -82 -91 -202 -78 55
Net Cash From Continuing Investing Activities		 -227 7.91 35 -30 -57 -82 -91 -202 -78 55
Purchase of Property, Leasehold Improvements and Equipment		 -0.56 -0.18 -0.26 -0.58 -0.38 -0.26 -0.21 -0.25 -0.59 -0.74
Purchase of Investment Securities		 143 -104 -90 -228 62 -418 -182 -387 -416 59
Sale and/or Maturity of Investments		 220 350 220 106 145 70 106 236 272 359
Other Investing Activities, net		 -589 -238 -94 92 -264 266 -15 -50 67 -361
Net Cash From Financing Activities		 -66 -64 -2.60 -62 92 17 125 77 133 -173
Net Cash From Continuing Financing Activities		 -66 -64 -2.60 -62 92 17 125 77 133 -173
Net Change in Deposits		 -131 -565 446 -147 96 21 294 143 146 -414
Issuance of Common Equity		 0.17 0.15 0.39 0.13 0.14 0.15 0.24 0.21 0.18 0.16
Repayment of Debt		 69 505 -3.22 -347 344 - 0.00 -2.09 -228 240
Repurchase of Common Equity		 -1.25 -0.36 -3.01 -2.51 -2.78 -1.25 -1.04 -0.86 -0.39 -1.07
Payment of Dividends		 -3.07 -3.19 -3.08 -3.14 -3.06 -3.06 -3.12 -3.74 -3.70 -3.68
Cash Interest Paid		 2.63 11 16 21 23 27 35 33 30 31
Cash Income Taxes Paid		 1.83 4.22 0.29 3.05 4.04 15 0.32 16 12 2.38

Annual Balance Sheets for Amalgamated Financial

This table presents Amalgamated Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2019 2020 2021 2022 2023 2024
Total Assets		 5,325 5,979 7,078 7,843 7,972 8,257
Cash and Due from Banks		 7.60 7.74 8.62 5.11 2.86 4.04
Interest Bearing Deposits at Other Banks		 115 31 322 58 88 57
Trading Account Securities		 1,520 2,212 3,196 3,396 3,245 3,285
Loans and Leases, Net of Allowance		 3,439 3,447 3,276 4,061 4,346 4,613
Loans and Leases		 3,473 3,489 3,312 4,106 4,411 4,673
Allowance for Loan and Lease Losses		 34 42 36 45 66 60
Accrued Investment Income		 19 24 29 41 55 61
Premises and Equipment, Net		 18 13 12 9.86 7.81 6.39
Goodwill		 13 13 13 13 13 13
Intangible Assets		 6.73 5.36 4.15 3.11 2.22 1.49
Other Assets		 188 225 217 255 213 216
Total Liabilities & Shareholders' Equity		 5,325 5,979 7,078 7,843 7,972 8,257
Total Liabilities		 4,835 5,443 6,514 7,334 7,387 7,549
Non-Interest Bearing Deposits		 4,641 5,339 6,356 6,595 7,012 7,181
Short-Term Debt		 - - - 580 305 314
Other Long-Term Liabilities		 119 104 74 81 70 54
Total Equity & Noncontrolling Interests		 491 536 564 509 585 708
Total Preferred & Common Equity		 490 536 564 509 585 708
Total Common Equity		 490 536 564 509 585 708
Common Stock		 306 301 298 287 289 289
Retained Earnings		 181 217 260 330 388 480
Treasury Stock		 - - - 0.00 -5.34 -2.82
Accumulated Other Comprehensive Income / (Loss)		 3.23 17 5.41 -109 -86 -59
Noncontrolling Interest		 0.13 0.13 0.13 0.13 0.13 0.00

Quarterly Balance Sheets for Amalgamated Financial

This table presents Amalgamated Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024
Total Assets		 7,868 7,836 7,793 7,910 8,137 8,251 8,414
Cash and Due from Banks		 3.40 5.19 4.42 5.49 3.83 4.08 3.95
Interest Bearing Deposits at Other Banks		 63 126 61 135 151 54 145
Trading Account Securities		 3,668 1,668 3,249 3,187 3,350 3,507 3,504
Loans and Leases, Net of Allowance		 3,829 4,131 4,184 4,297 4,359 4,408 4,486
Loans and Leases		 3,871 4,198 4,252 4,365 4,424 4,472 4,548
Allowance for Loan and Lease Losses		 42 67 67 68 64 63 61
Accrued Investment Income		 35 41 44 48 53 53 54
Premises and Equipment, Net		 11 9.25 8.93 8.43 7.13 6.60 6.41
Goodwill		 13 13 13 13 13 13 13
Intangible Assets		 3.37 2.88 2.66 2.44 2.03 1.85 1.67
Other Assets		 243 5,971 225 214 196 203 199
Total Liabilities & Shareholders' Equity		 7,868 7,836 7,793 7,910 8,137 8,251 8,414
Total Liabilities		 7,380 7,317 7,264 7,363 7,520 7,605 7,715
Non-Interest Bearing Deposits		 7,160 7,041 6,895 6,991 7,306 7,449 7,595
Short-Term Debt		 75 - 230 230 69 9.14 68
Other Long-Term Liabilities		 67 62 66 68 74 78 52
Total Equity & Noncontrolling Interests		 488 519 529 546 617 646 698
Total Preferred & Common Equity		 488 519 528 546 617 646 698
Total Common Equity		 488 519 528 546 617 646 698
Common Stock		 287 288 287 288 288 286 287
Retained Earnings		 309 331 349 368 412 435 459
Treasury Stock		 - -2.15 -2.69 -4.85 -4.02 -1.97 -1.97
Accumulated Other Comprehensive Income / (Loss)		 -108 -97 -105 -105 -79 -74 -47
Noncontrolling Interest		 0.13 0.13 0.13 0.13 0.13 0.13 0.13

Annual Metrics and Ratios for Amalgamated Financial

This table displays calculated financial ratios and metrics derived from Amalgamated Financial's official financial filings.

Metric 2018 2019 2020 2021 2022 2023 2024
Growth Metrics		 - - - - - - -
Revenue Growth		 0.00% 9.98% 12.65% -8.13% 30.12% 10.20% 8.60%
EBITDA Growth		 0.00% 21.28% 13.28% 10.25% 44.21% 10.64% 15.17%
EBIT Growth		 0.00% 27.53% -3.48% 14.18% 52.94% 15.32% 16.72%
NOPAT Growth		 0.00% 5.71% -2.15% 14.61% 53.91% 7.98% 20.98%
Net Income Growth		 0.00% 5.71% -2.15% 14.61% 53.91% 7.98% 20.98%
EPS Growth		 0.00% 0.68% 0.68% 13.51% 55.36% 9.58% 20.28%
Operating Cash Flow Growth		 0.00% 169.06% -21.20% 7.25% 108.85% -20.43% 5.84%
Free Cash Flow Firm Growth		 0.00% 0.00% 114.65% -177.65% -642.15% 183.28% -106.95%
Invested Capital Growth		 0.00% 0.00% -5.26% 20.88% 80.12% -23.69% 14.80%
Revenue Q/Q Growth		 0.00% 0.00% 0.00% 1.88% 4.82% 1.80% 0.37%
EBITDA Q/Q Growth		 0.00% 0.00% 0.00% 2.02% 9.46% 2.35% -1.82%
EBIT Q/Q Growth		 0.00% 0.00% 0.00% 3.52% 11.01% 3.01% -1.46%
NOPAT Q/Q Growth		 0.00% 0.00% 0.00% 4.20% 12.16% -2.29% 1.72%
Net Income Q/Q Growth		 0.00% 0.00% 0.00% 4.20% 12.16% -2.29% 1.72%
EPS Q/Q Growth		 0.00% 0.00% 0.00% 3.07% 12.50% -1.72% 1.18%
Operating Cash Flow Q/Q Growth		 0.00% 0.00% 0.00% -29.32% 32.26% -24.36% 12.40%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 0.00% 0.00% -3,743.95% 402.02% -113.41%
Invested Capital Q/Q Growth		 0.00% 0.00% 0.00% 16.41% 82.17% 4.60% 33.29%
Profitability Metrics		 - - - - - - -
EBITDA Margin		 30.47% 33.60% 33.79% 40.55% 44.94% 45.12% 47.85%
EBIT Margin		 28.26% 32.77% 28.08% 34.89% 41.01% 42.91% 46.12%
Profit (Net Income) Margin		 25.08% 24.10% 20.94% 26.12% 30.89% 30.27% 33.72%
Tax Burden Percent		 88.74% 73.55% 74.57% 74.85% 75.33% 70.53% 73.11%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 11.26% 26.45% 25.43% 25.15% 24.67% 29.47% 26.89%
Return on Invested Capital (ROIC)		 0.00% 16.69% 8.39% 8.95% 8.98% 8.55% 11.13%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 16.69% 8.39% 8.95% 8.98% 8.55% 11.13%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 2.55% 0.61% 0.68% 6.21% 7.52% 5.33%
Return on Equity (ROE)		 0.00% 19.24% 9.00% 9.63% 15.19% 16.08% 16.46%
Cash Return on Invested Capital (CROIC)		 0.00% -183.31% 13.78% -9.96% -48.22% 35.43% -2.65%
Operating Return on Assets (OROA)		 0.00% 1.21% 1.10% 1.08% 1.45% 1.58% 1.79%
Return on Assets (ROA)		 0.00% 0.89% 0.82% 0.81% 1.09% 1.11% 1.31%
Return on Common Equity (ROCE)		 0.00% 19.24% 9.00% 9.63% 15.19% 16.08% 16.46%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 9.63% 8.62% 9.39% 16.01% 15.03% 15.04%
Net Operating Profit after Tax (NOPAT)		 45 47 46 53 81 88 106
NOPAT Margin		 25.08% 24.10% 20.94% 26.12% 30.89% 30.27% 33.72%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 55.53% 51.97% 48.64% 50.88% 41.67% 41.74% 41.31%
Operating Expenses to Revenue		 71.89% 65.27% 60.69% 65.25% 53.30% 52.04% 50.62%
Earnings before Interest and Taxes (EBIT)		 50 64 62 71 108 125 146
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 54 66 75 82 119 131 151
Valuation Ratios		 - - - - - - -
Price to Book Value (P/BV)		 0.00 0.00 0.00 0.89 1.33 1.38 1.45
Price to Tangible Book Value (P/TBV)		 0.00 0.00 0.00 0.91 1.38 1.42 1.48
Price to Revenue (P/Rev)		 0.00 0.00 0.00 2.47 2.57 2.79 3.24
Price to Earnings (P/E)		 0.00 0.00 0.00 9.44 8.32 9.20 9.61
Dividend Yield		 0.34% 1.46% 2.48% 1.99% 1.99% 1.52% 1.38%
Earnings Yield		 0.00% 0.00% 0.00% 10.59% 12.02% 10.87% 10.41%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 0.00 0.39 1.09 1.15 1.25
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 0.00 1.25 4.82 3.52 4.04
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 3.08 10.73 7.81 8.45
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 3.58 11.76 8.21 8.77
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 4.79 15.61 11.64 11.99
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 0.00 3.59 8.63 8.74 10.29
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 2.81 0.00
Leverage & Solvency		 - - - - - - -
Debt to Equity		 0.00 0.15 0.00 0.15 1.29 0.52 0.44
Long-Term Debt to Equity		 0.00 0.15 0.00 0.15 0.15 0.00 0.00
Financial Leverage		 0.00 0.15 0.07 0.08 0.69 0.88 0.48
Leverage Ratio		 0.00 10.86 11.01 11.87 13.91 14.45 12.55
Compound Leverage Factor		 0.00 10.86 11.01 11.87 13.91 14.45 12.55
Debt to Total Capital		 0.00% 13.26% 0.00% 12.94% 56.38% 34.25% 30.76%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 49.71% 34.25% 30.76%
Long-Term Debt to Total Capital		 0.00% 13.26% 0.00% 12.94% 6.66% 0.00% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.02% 0.02% 0.02% 0.01% 0.01% 0.00%
Common Equity to Total Capital		 0.00% 86.71% 99.98% 87.04% 43.61% 65.73% 69.24%
Debt to EBITDA		 0.00 1.14 0.00 1.02 5.55 2.33 2.08
Net Debt to EBITDA		 0.00 -0.72 0.00 -3.00 5.01 1.63 1.68
Long-Term Debt to EBITDA		 0.00 1.14 0.00 1.02 0.66 0.00 0.00
Debt to NOPAT		 0.00 1.59 0.00 1.58 8.07 3.47 2.95
Net Debt to NOPAT		 0.00 -1.01 0.00 -4.66 7.29 2.44 2.38
Long-Term Debt to NOPAT		 0.00 1.59 0.00 1.58 0.95 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.03% 0.03% 0.02% 0.02% 0.02% 0.01%
Liquidity Ratios		 - - - - - - -
Cash Flow Metrics		 - - - - - - -
Free Cash Flow to Firm (FCFF)		 0.00 -518 76 -59 -437 364 -25
Operating Cash Flow to CapEx		 2,173.72% 11,083.80% 4,080.09% 2,943.99% 8,832.25% 7,936.63% 6,989.58%
Free Cash Flow to Firm to Interest Expense		 0.00 -26.83 7.24 -9.47 -23.46 3.77 -0.21
Operating Cash Flow to Interest Expense		 2.18 4.32 6.28 11.34 7.90 1.21 1.04
Operating Cash Flow Less CapEx to Interest Expense		 2.08 4.28 6.12 10.95 7.81 1.20 1.03
Efficiency Ratios		 - - - - - - -
Asset Turnover		 0.00 0.04 0.04 0.03 0.04 0.04 0.04
Fixed Asset Turnover		 0.00 11.02 14.35 16.40 24.43 32.91 44.48
Capital & Investment Metrics		 - - - - - - -
Invested Capital		 0.00 566 536 648 1,167 890 1,022
Invested Capital Turnover		 0.00 0.69 0.40 0.34 0.29 0.28 0.33
Increase / (Decrease) in Invested Capital		 0.00 566 -30 112 519 -276 132
Enterprise Value (EV)		 0.00 0.00 0.00 253 1,272 1,024 1,276
Market Capitalization		 0.00 0.00 0.00 500 678 809 1,023
Book Value per Share		 $0.00 $0.00 $17.22 $18.13 $16.59 $19.26 $23.07
Tangible Book Value per Share		 $0.00 $0.00 $16.63 $17.58 $16.07 $18.76 $22.60
Total Capital		 0.00 566 536 648 1,167 890 1,022
Total Debt		 0.00 75 0.00 84 658 305 314
Total Long-Term Debt		 0.00 75 0.00 84 78 0.00 0.00
Net Debt		 0.00 -48 -39 -247 594 214 254
Capital Expenditures (CapEx)		 1.43 0.75 1.61 2.40 1.67 1.48 1.78
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 0.00 75 0.00 84 658 305 314
Total Depreciation and Amortization (D&A)		 3.94 1.63 13 11 10 6.40 5.43
Earnings Adjustments		 - - - - - - -
Adjusted Basic Earnings per Share		 $0.00 $0.00 $1.48 $1.70 $2.64 $2.88 $3.48
Adjusted Weighted Average Basic Shares Outstanding		 0.00 0.00 31.12M 31.12M 30.74M 30.51M 30.69M
Adjusted Diluted Earnings per Share		 $0.00 $0.00 $1.48 $1.68 $2.61 $2.86 $3.44
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 0.00 31.12M 31.12M 30.74M 30.51M 30.69M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 0.00 31.12M 31.12M 30.74M 30.51M 30.69M
Normalized Net Operating Profit after Tax (NOPAT)		 45 47 46 53 81 88 106
Normalized NOPAT Margin		 25.08% 24.10% 20.94% 26.12% 30.89% 30.27% 33.72%
Pre Tax Income Margin		 28.26% 32.77% 28.08% 34.89% 41.01% 42.91% 46.12%
Debt Service Ratios		 - - - - - - -
EBIT to Interest Expense		 3.54 3.32 5.91 11.37 5.80 1.29 1.22
NOPAT to Interest Expense		 3.14 2.44 4.41 8.51 4.37 0.91 0.90
EBIT Less CapEx to Interest Expense		 3.44 3.28 5.76 10.98 5.71 1.27 1.21
NOPAT Less CapEx to Interest Expense		 3.04 2.40 4.25 8.12 4.28 0.89 0.88
Payout Ratios		 - - - - - - -
Dividend Payout Ratio		 4.32% 17.59% 21.62% 18.85% 13.76% 14.02% 13.37%
Augmented Payout Ratio		 4.32% 29.84% 36.78% 24.36% 31.41% 24.87% 16.53%

Quarterly Metrics and Ratios for Amalgamated Financial

This table displays calculated financial ratios and metrics derived from Amalgamated Financial's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 45.00% 20.41% 29.93% 11.27% -2.92% 7.20% 7.97% 10.60% 14.95% 1.51%
EBITDA Growth		 46.09% 44.05% 40.13% 4.73% -1.56% 8.99% 33.81% 16.92% 21.61% -7.68%
EBIT Growth		 60.42% 51.47% 51.32% 11.23% 0.47% 11.54% 33.29% 21.44% 22.72% -6.13%
NOPAT Growth		 59.16% 55.46% 50.64% 10.35% -2.77% -8.34% 27.70% 23.62% 25.26% 7.93%
Net Income Growth		 59.16% 55.46% 50.64% 10.35% -2.77% -8.34% 27.70% 23.62% 25.26% 7.93%
EPS Growth		 60.87% 58.00% 53.33% 11.11% -1.35% -6.33% 28.99% 24.29% 23.29% 5.41%
Operating Cash Flow Growth		 -8.81% 209.67% 104.32% -46.59% 52.13% -71.14% -10.30% 2.78% -10.09% 89.37%
Free Cash Flow Firm Growth		 88.73% -415.00% -79.44% -1,520.84% -208.39% 160.51% 103.47% 159.34% 159.60% -135.87%
Invested Capital Growth		 15.10% 80.12% 20.02% 43.04% 32.90% -23.69% 3.24% -13.10% -9.91% 14.80%
Revenue Q/Q Growth		 13.94% -1.46% 1.28% -2.15% -0.59% 8.81% 2.01% 0.24% 3.31% -3.90%
EBITDA Q/Q Growth		 12.82% -0.15% -9.14% 2.33% 6.04% 10.54% 11.55% -10.58% 10.29% -16.08%
EBIT Q/Q Growth		 17.08% 1.80% -8.44% 1.93% 5.75% 13.02% 9.41% -7.14% 6.86% -13.55%
NOPAT Q/Q Growth		 16.98% 7.89% -13.80% 1.42% 3.08% 1.71% 20.09% -1.82% 4.44% -12.35%
Net Income Q/Q Growth		 16.98% 7.89% -13.80% 1.42% 3.08% 1.71% 20.09% -1.82% 4.44% -12.35%
EPS Q/Q Growth		 17.46% 6.76% -12.66% 1.45% 4.29% 1.37% 20.27% -2.25% 3.45% -13.33%
Operating Cash Flow Q/Q Growth		 -48.75% 102.89% -34.33% -21.79% 45.98% -61.51% 104.10% -10.38% 27.70% -18.93%
Free Cash Flow Firm Q/Q Growth		 -332.72% -709.07% 79.58% -126.70% 17.67% 258.76% -98.83% 3,778.01% -17.31% -195.55%
Invested Capital Q/Q Growth		 10.05% 82.17% -37.18% 13.57% 2.25% 4.60% -15.01% -4.40% 6.00% 33.29%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 46.20% 46.81% 41.99% 43.91% 46.84% 47.59% 52.04% 46.42% 49.56% 43.28%
EBIT Margin		 42.70% 44.11% 39.87% 41.53% 44.19% 45.90% 49.22% 45.60% 47.17% 42.44%
Profit (Net Income) Margin		 31.59% 34.59% 29.44% 30.51% 31.64% 29.57% 34.82% 34.10% 34.48% 31.44%
Tax Burden Percent		 73.99% 78.42% 73.83% 73.46% 71.60% 64.44% 70.73% 74.78% 73.08% 74.09%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 26.01% 21.58% 26.17% 26.54% 28.40% 35.56% 29.27% 25.22% 26.92% 25.91%
Return on Invested Capital (ROIC)		 13.28% 10.06% 12.29% 12.41% 12.11% 8.36% 13.86% 13.33% 13.40% 10.38%
ROIC Less NNEP Spread (ROIC-NNEP)		 13.28% 10.06% 12.29% 12.41% 12.11% 8.36% 13.86% 13.33% 13.40% 10.38%
Return on Net Nonoperating Assets (RNNOA)		 1.94% 6.95% 3.50% 4.69% 5.36% 7.35% 4.31% 4.32% 4.02% 4.97%
Return on Equity (ROE)		 15.22% 17.01% 15.79% 17.10% 17.47% 15.71% 18.17% 17.65% 17.42% 15.35%
Cash Return on Invested Capital (CROIC)		 -1.90% -48.22% -5.00% -22.59% -16.18% 35.43% 9.42% 26.74% 23.36% -2.65%
Operating Return on Assets (OROA)		 1.46% 1.56% 1.44% 1.52% 1.60% 1.69% 1.83% 1.73% 1.82% 1.65%
Return on Assets (ROA)		 1.08% 1.22% 1.07% 1.12% 1.15% 1.09% 1.29% 1.29% 1.33% 1.22%
Return on Common Equity (ROCE)		 15.22% 17.00% 15.78% 17.09% 17.47% 15.71% 18.16% 17.64% 17.42% 15.35%
Return on Equity Simple (ROE_SIMPLE)		 14.90% 0.00% 17.08% 17.16% 16.49% 0.00% 15.22% 15.33% 14.99% 0.00%
Net Operating Profit after Tax (NOPAT)		 23 25 21 22 22 23 27 27 28 24
NOPAT Margin		 31.59% 34.59% 29.44% 30.51% 31.64% 29.57% 34.82% 34.10% 34.48% 31.44%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 38.48% 39.43% 43.52% 41.89% 42.63% 39.09% 39.64% 41.28% 41.08% 43.24%
Operating Expenses to Revenue		 49.92% 49.70% 53.29% 52.91% 52.96% 49.21% 48.75% 50.37% 50.54% 52.83%
Earnings before Interest and Taxes (EBIT)		 31 32 29 29 31 35 39 36 38 33
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 34 34 30 31 33 37 41 36 40 34
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.38 1.33 1.02 0.92 0.95 1.38 1.19 1.30 1.37 1.45
Price to Tangible Book Value (P/TBV)		 1.43 1.38 1.06 0.94 0.97 1.42 1.22 1.33 1.40 1.48
Price to Revenue (P/Rev)		 2.67 2.57 1.90 1.68 1.81 2.79 2.48 2.77 3.05 3.24
Price to Earnings (P/E)		 9.25 8.32 5.99 5.34 5.74 9.20 7.84 8.49 9.16 9.61
Dividend Yield		 1.92% 1.99% 2.66% 2.53% 2.37% 1.52% 1.67% 1.53% 1.41% 1.38%
Earnings Yield		 10.81% 12.02% 16.68% 18.72% 17.42% 10.87% 12.75% 11.78% 10.91% 10.41%
Enterprise Value to Invested Capital (EV/IC)		 1.18 1.09 0.84 0.87 0.80 1.15 0.95 1.19 1.15 1.25
Enterprise Value to Revenue (EV/Rev)		 3.02 4.82 2.19 2.51 2.39 3.52 2.43 2.83 2.79 4.04
Enterprise Value to EBITDA (EV/EBITDA)		 7.01 10.73 4.83 5.62 5.32 7.81 5.10 5.86 5.71 8.45
Enterprise Value to EBIT (EV/EBIT)		 7.79 11.76 5.21 5.97 5.63 8.21 5.36 6.11 5.94 8.77
Enterprise Value to NOPAT (EV/NOPAT)		 10.44 15.61 6.93 7.97 7.57 11.64 7.68 8.69 8.39 11.99
Enterprise Value to Operating Cash Flow (EV/OCF)		 6.81 8.63 3.72 5.11 4.40 8.74 6.34 7.52 7.96 10.29
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 2.81 10.28 4.13 4.65 0.00
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.31 1.29 0.41 0.57 0.56 0.52 0.23 0.12 0.10 0.44
Long-Term Debt to Equity		 0.16 0.15 0.41 0.14 0.14 0.00 0.11 0.11 0.00 0.00
Financial Leverage		 0.15 0.69 0.28 0.38 0.44 0.88 0.31 0.32 0.30 0.48
Leverage Ratio		 14.11 13.91 14.81 15.33 15.26 14.45 14.06 13.66 13.12 12.55
Compound Leverage Factor		 14.11 13.91 14.81 15.33 15.26 14.45 14.06 13.66 13.12 12.55
Debt to Total Capital		 23.84% 56.38% 29.16% 36.49% 35.81% 34.25% 18.46% 10.68% 8.93% 30.76%
Short-Term Debt to Total Capital		 11.71% 49.71% 0.00% 27.63% 27.02% 34.25% 9.14% 1.26% 8.93% 30.76%
Long-Term Debt to Total Capital		 12.13% 6.66% 29.16% 8.86% 8.79% 0.00% 9.33% 9.42% 0.00% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.02% 0.01% 0.02% 0.02% 0.02% 0.01% 0.02% 0.02% 0.02% 0.00%
Common Equity to Total Capital		 76.14% 43.61% 70.82% 63.49% 64.17% 65.73% 81.52% 89.30% 91.06% 69.24%
Debt to EBITDA		 1.41 5.55 1.68 2.36 2.38 2.33 0.99 0.53 0.44 2.08
Net Debt to EBITDA		 0.80 5.01 0.65 1.85 1.28 1.63 -0.11 0.13 -0.53 1.68
Long-Term Debt to EBITDA		 0.72 0.66 1.68 0.57 0.58 0.00 0.50 0.46 0.00 0.00
Debt to NOPAT		 2.10 8.07 2.41 3.35 3.39 3.47 1.49 0.78 0.65 2.95
Net Debt to NOPAT		 1.19 7.29 0.93 2.63 1.83 2.44 -0.17 0.19 -0.77 2.38
Long-Term Debt to NOPAT		 1.07 0.95 2.41 0.81 0.83 0.00 0.75 0.69 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.03% 0.02% 0.03% 0.03% 0.03% 0.02% 0.02% 0.02% 0.02% 0.01%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -61 -494 -101 -229 -188 299 3.50 136 112 -107
Operating Cash Flow to CapEx		 4,654.45% 29,320.99% 13,252.09% 4,700.00% 10,583.51% 5,936.82% 15,102.42% 11,435.92% 6,116.07% 3,930.35%
Free Cash Flow to Firm to Interest Expense		 -19.17 -44.13 -5.72 -9.98 -6.85 10.43 0.12 4.56 3.66 -3.64
Operating Cash Flow to Interest Expense		 8.21 4.74 1.97 1.19 1.45 0.53 1.08 0.94 1.17 0.98
Operating Cash Flow Less CapEx to Interest Expense		 8.03 4.72 1.96 1.16 1.43 0.53 1.07 0.93 1.15 0.96
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.03 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 21.89 24.43 26.83 29.05 30.10 32.91 36.20 39.14 42.38 44.48
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 640 1,167 733 832 851 890 757 723 767 1,022
Invested Capital Turnover		 0.42 0.29 0.42 0.41 0.38 0.28 0.40 0.39 0.39 0.33
Increase / (Decrease) in Invested Capital		 84 519 122 250 211 -276 24 -109 -84 132
Enterprise Value (EV)		 759 1,272 614 722 682 1,024 721 860 878 1,276
Market Capitalization		 672 678 531 484 517 809 736 840 959 1,023
Book Value per Share		 $0.02 $16.59 $16.89 $17.26 $17.93 $19.26 $20.22 $21.16 $22.78 $23.07
Tangible Book Value per Share		 $0.02 $16.07 $16.37 $16.75 $17.43 $18.76 $19.73 $20.68 $22.31 $22.60
Total Capital		 640 1,167 733 832 851 890 757 723 767 1,022
Total Debt		 153 658 214 304 305 305 140 77 68 314
Total Long-Term Debt		 78 78 214 74 75 0.00 71 68 0.00 0.00
Net Debt		 86 594 83 238 165 214 -15 19 -81 254
Capital Expenditures (CapEx)		 0.56 0.18 0.26 0.58 0.38 0.26 0.21 0.25 0.59 0.74
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 153 658 214 304 305 305 140 77 68 314
Total Depreciation and Amortization (D&A)		 2.54 1.93 1.54 1.69 1.87 1.30 2.20 0.64 1.93 0.66
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.75 $0.79 $0.69 $0.71 $0.73 $0.75 $0.89 $0.88 $0.91 $0.80
Adjusted Weighted Average Basic Shares Outstanding		 30.67M 30.74M 30.61M 30.46M 30.39M 30.51M 30.52M 30.64M 30.67M 30.69M
Adjusted Diluted Earnings per Share		 $0.74 $0.79 $0.69 $0.70 $0.73 $0.74 $0.89 $0.87 $0.90 $0.78
Adjusted Weighted Average Diluted Shares Outstanding		 30.67M 30.74M 30.61M 30.46M 30.39M 30.51M 30.52M 30.64M 30.67M 30.69M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 30.67M 30.74M 30.61M 30.46M 30.39M 30.51M 30.52M 30.64M 30.67M 30.69M
Normalized Net Operating Profit after Tax (NOPAT)		 23 25 21 22 22 23 27 27 28 24
Normalized NOPAT Margin		 31.59% 34.59% 29.44% 30.51% 31.64% 29.57% 34.82% 34.10% 34.48% 31.44%
Pre Tax Income Margin		 42.70% 44.11% 39.87% 41.53% 44.19% 45.90% 49.22% 45.60% 47.17% 42.44%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 9.73 2.82 1.64 1.28 1.13 1.23 1.33 1.20 1.25 1.12
NOPAT to Interest Expense		 7.20 2.21 1.21 0.94 0.81 0.79 0.94 0.90 0.91 0.83
EBIT Less CapEx to Interest Expense		 9.55 2.80 1.62 1.26 1.12 1.22 1.33 1.19 1.23 1.10
NOPAT Less CapEx to Interest Expense		 7.02 2.19 1.19 0.92 0.80 0.78 0.94 0.89 0.89 0.81
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 14.50% 13.76% 13.31% 13.76% 13.84% 14.02% 13.17% 13.10% 13.00% 13.37%
Augmented Payout Ratio		 33.80% 31.41% 29.01% 21.61% 23.46% 24.87% 21.24% 19.08% 16.38% 16.53%

Frequently Asked Questions About Amalgamated Financial's Financials

When does Amalgamated Financial's fiscal year end?

According to the most recent income statement we have on file, Amalgamated Financial's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Amalgamated Financial's net income changed over the last 6 years?

Amalgamated Financial's net income appears to be on an upward trend, with a most recent value of $106.43 million in 2024, rising from $44.65 million in 2018. The previous period was $87.98 million in 2023.

How has Amalgamated Financial revenue changed over the last 6 years?

Over the last 6 years, Amalgamated Financial's total revenue changed from $178.06 million in 2018 to $315.65 million in 2024, a change of 77.3%.

How much debt does Amalgamated Financial have?

Amalgamated Financial's total liabilities were at $7.55 billion at the end of 2024, a 2.2% increase from 2023, and a 56.1% increase since 2019.

How much cash does Amalgamated Financial have?

In the past 5 years, Amalgamated Financial's cash and equivalents has ranged from $2.86 million in 2023 to $8.62 million in 2021, and is currently $4.04 million as of their latest financial filing in 2024.

How has Amalgamated Financial's book value per share changed over the last 6 years?

Over the last 6 years, Amalgamated Financial's book value per share changed from 0.00 in 2018 to 23.07 in 2024, a change of 2,307.4%.


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This page (NASDAQ:AMAL) was last updated on 4/25/2025 by MarketBeat.com Staff
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