# Amalgamated Financial Corp. Common Stock (DE) (AMAL) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $49.17, market value $1.5 billion.

## Valuation
- **P/E (trailing): 13.1×** (5-yr avg 9.1×, 3-yr avg 9.3×). Amalgamated Financial Corp. Common Stock (DE) trades at 13.1× trailing earnings, well above its own five-year average of 9.1×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.6×, lower than trailing, so analysts expect earnings to grow.
- **Price / book: 1.8×**. The shares trade at 1.8× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 9.9%** (5-yr avg 15.2%). Free cash flow equals 9.9% of the market value, below its five-year average of 15.2%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 7.6%**. The inverse of the P/E: 7.6% of the price is earned each year.

## Profitability
- **Return on equity: 13.1%**. 13.1% on shareholders' equity is solid.

## Growth
- **EPS growth (1 yr): -0.9%** (3-yr 9.3%/yr, 5-yr 18.2%/yr). Earnings per share fell 0.9%.
- **Free-cash-flow growth (3 yr): -2.6%/yr**. Free cash flow has compounded at -2.6% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.
- **Cash and short-term investments: $291 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 1.38%** ($0.65 per share, trailing). Amalgamated Financial Corp. Common Stock (DE) yields 1.38%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 16%** (13% of free cash flow). 16% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 8**. 8 straight years of increases.
- **Dividend growth (5 yr): 11.8%/yr** (1-yr 21.7%). The dividend has compounded at 11.8% a year over five years, doubling roughly every 6 years at that pace.

## Price and momentum
- **Total return (1 yr): 71.5%** (YTD 54.8%, 3-mo 15.9%). The shares are up 71.5% over twelve months including dividends.
- **From 52-week high: -4.7%** (95.7% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 54**. An RSI of 54 is neutral.
- **Beta (1 yr): 0.84** (volatility 28%). Beta of 0.84 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=AMAL · Page: https://foliofundamentals.com/stocks/amal

Not investment advice.