Amalgamated Financial Balance Sheet Health
Financial Health criteria checks 6/6
Amalgamated Financial has total assets of $8.3B and total equity of $707.7M. Total deposits are $7.2B, and total loans are $4.6B. It earns a Net Interest Margin of 3.5%. It has sufficient allowance for bad loans, which are currently at 0.6% of total loans. Cash and short-term investments are $86.0M.
Key information
11.7x
Asset to equity ratio
3.5%
Net interest margin
| Total deposits | US$7.18b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.6% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$85.96m |
Recent financial health updates
No updates
Recent updates
Amalgamated Financial: Still Bullish After Terrific Upside
Dec 30Amalgamated Financial: A Positive Outlook Due To Political Deposits And Organic Loan Growth
Oct 04Amalgamated Financial: Decent Enough
May 23Amalgamated Financial's (NASDAQ:AMAL) Upcoming Dividend Will Be Larger Than Last Year's
Apr 27
Amalgamated Financial: Earnings Outlook Remains Positive Thanks To Loans And Margin
Feb 21Here's Why We Think Amalgamated Financial (NASDAQ:AMAL) Is Well Worth Watching
Jan 04Amalgamated Financial (NASDAQ:AMAL) Is Due To Pay A Dividend Of $0.10
Oct 29Amalgamated Financial (NASDAQ:AMAL) Is Due To Pay A Dividend Of $0.10
Jul 29If EPS Growth Is Important To You, Amalgamated Financial (NASDAQ:AMAL) Presents An Opportunity
Jul 19Amalgamated Financial: Strong Earnings Growth Appears Priced In
Aug 26Amalgamated Financial's (NASDAQ:AMAL) Upcoming Dividend Will Be Larger Than Last Year's
Jul 31Amalgamated Bank GAAP EPS of $0.63 beats by $0.08, revenue of $63.74M beats by $3.95M
Jul 28Analysts Just Made A Captivating Upgrade To Their Amalgamated Financial Corp. (NASDAQ:AMAL) Forecasts
May 03Amalgamated Financial (NASDAQ:AMAL) Will Pay A Dividend Of US$0.08
May 01Amalgamated Financial's (NASDAQ:AMAL) Dividend Will Be US$0.08
Jan 30Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: AMAL's Assets to Equity ratio (11.7x) is moderate.
Allowance for Bad Loans: AMAL has a sufficient allowance for bad loans (232%).
Low Risk Liabilities: 95% of AMAL's liabilities are made up of primarily low risk sources of funding.
Loan Level: AMAL has an appropriate level of Loans to Assets ratio (56%).
Low Risk Deposits: AMAL's Loans to Deposits ratio (64%) is appropriate.
Level of Bad Loans: AMAL has an appropriate level of bad loans (0.6%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/03/16 09:09 |
| End of Day Share Price | 2025/03/14 00:00 |
| Earnings | 2024/12/31 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Amalgamated Financial Corp. is covered by 7 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Jason Goldberg | Barclays |
| Jason Goldberg | Barclays |
| Steven Alexopoulos | J.P. Morgan |