AMAL

Based on Amalgamated Financial Corp.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

What does Amalgamated Financial Corp. do?

Amalgamated Financial Corp. is the holding company for Amalgamated Bank, which provides commercial and retail banking, investment management, and trust and custody services. The bank accepts deposits, makes commercial and retail loans, and offers digital banking and brokerage services through a small branch network in New York City, Washington D.C., San Francisco, and Boston.

Does AMAL pay dividends?

Yes, Amalgamated Financial pays a regular dividend. Income-focused investors may find this appealing, though the specific yield and payment schedule can change. Always check the company's investor relations page for the most current dividend information before making any decisions.

When does AMAL report earnings?

Amalgamated Financial reports earnings on a quarterly basis, in line with standard U.S. bank holding company practice. For precise reporting dates and the most recent results, refer to the investor relations section of the company's official website.

Is AMAL a good stock to buy?

UQS Score rates AMAL as Good overall. The Quality and Risk pillars are rated Strong and Good respectively, while Valuation is Attractive. However, both the Moat and Growth pillars rate Weak. Whether it fits your portfolio depends on your investment goals — the full pillar breakdown is available to Pro members.

Is AMAL overvalued?

Based on the UQS Valuation pillar, AMAL is rated Attractive, suggesting the stock is not considered richly priced relative to its fundamentals. This does not guarantee future price performance, but it indicates the current valuation does not appear stretched compared to sector peers.

How does AMAL compare to its competitors?

Amalgamated Financial occupies a distinctive niche as a mission-aligned, labor-affiliated bank, setting it apart from peers like Westamerica Bancorporation, Republic Bancorp, and Coastal Financial. Each competitor has different geographic concentrations and business mix. The UQS platform lets you compare quality scores across these names side by side.

What is AMAL's market cap bracket?

AMAL is classified as a small-cap stock. Small-cap bank holding companies like Amalgamated can offer differentiated exposure compared to large regional or national banks, but they may also carry higher liquidity risk and more limited analyst coverage.

Who founded Amalgamated Financial Corp.?

Amalgamated Bank, the operating subsidiary, was founded in 1923 by the Amalgamated Clothing Workers of America, a labor union, making it one of the oldest labor-affiliated banks in the United States. The holding company structure was established more recently. Full historical context is publicly available through the company's official history.

Is AMAL a long-term quality investment?

As a long-term quality indicator, AMAL's Strong Quality pillar and Good Risk rating suggest a reasonably sound fundamental foundation. However, the Weak Moat and Growth pillars indicate limited competitive insulation and modest expansion prospects. Long-term investors should weigh these factors carefully — the complete analysis is available to Pro members.

What is the main competitive advantage of Amalgamated Financial?

Amalgamated Bank's primary differentiator is its mission-driven positioning, with deep ties to labor unions, nonprofits, and socially responsible organizations. This niche focus supports a loyal, values-aligned depositor base. However, the UQS Moat pillar rates Weak, suggesting this advantage may not yet translate into strong structural pricing power.

Amalgamated Financial Corp. demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.

Amalgamated Financial Corp. faces growth headwinds with declining or stagnant revenue trends.

Amalgamated Financial Corp. has some risk factors including moderate leverage or solvency concerns.

Amalgamated Financial Corp. appears attractively valued relative to its earnings, cash flows, and sector peers.

Amalgamated Financial Corp. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for AMAL.

The UQS (Unified Quality Score) for Amalgamated Financial Corp. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses Amalgamated Financial Corp.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether Amalgamated Financial Corp. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.