AMAL:NSD-Amalgamated Financial Corp (USD)

COMMON STOCK | Banks-Regional | NSD

Last Closing Price

USD 16.85

Change

-0.18 (-1.06)%

Market Cap

USD 0.53B

Volume

0.03M

Average Target Price

USD 17.63 (+4.60%)
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

Amalgamated Financial Corp., together with its subsidiaries, operates as a commercial bank and a chartered trust company in the United States. The company offers deposit products, including non-interest and interest-bearing demand accounts, savings and money market accounts, NOW accounts, and certificates of deposit. It also provides residential mortgage and commercial real estate loans, commercial and industrial loans, multifamily mortgages, 1-4 family real estate loans, construction and land loans, leveraged commercial loans, consumer/small business loans, and purchased student and government guaranteed loans. In addition, the company offers online banking, bill payment, online cash management, and safe deposit box rental services; debit, prepaid, and ATM cards; and trust, custody, and investment management services comprising asset safekeeping, corporate actions, income collections, proxy, account transition, asset transfers, and conversion management services. Further, it provides investment products, such as equity, fixed-income, real estate, and alternative investment products; and brokerage, asset management, and insurance products. It serves advocacy-based non-profits, social welfare organizations, labor unions, political organizations, foundations, sustainability-focused, socially responsible businesses, and other for-profit companies, as well as their members and stakeholders. The company operates a network of six branches in New York City, Washington D.C., San Francisco, and Boston; as well as a digital banking and mobile platform. The company was founded in 1923 and is headquartered in New York, New York. Amalgamated Bank is a subsidiary of Workers United.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-04-16 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
HBANN Huntington Bancshares Incorpor..

-0.14 (-0.54%)

USD28.48B 37.87 N/A
SIVB SVB Financial Group

+7.23 (+1.41%)

USD27.62B 22.37 N/A
FITB Fifth Third Bancorp

+0.17 (+0.45%)

USD27.03B 20.78 N/A
FITBI Fifth Third Bancorp

-0.14 (-0.49%)

USD19.93B 15.57 N/A
HBAN Huntington Bancshares Incorpor..

+0.08 (+0.50%)

USD16.46B 23.33 N/A
SBNY Signature Bank

-4.41 (-1.90%)

USD13.37B 23.29 N/A
HBANO Huntington Bancshares Incorpor..

-0.03 (-0.12%)

USD13.20B 36.83 N/A
ZION Zions Bancorporation, National..

+0.31 (+0.56%)

USD9.13B 18.48 N/A
CBSH Commerce Bancshares, Inc

+0.40 (+0.52%)

USD9.02B 26.52 N/A
FCNCA First Citizens BancShares, Inc

+6.32 (+0.74%)

USD8.27B 17.91 N/A

ETFs Containing AMAL

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Banks-Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 22.63% 53% F 72% C-
Dividend Return 0.58% 25% F 43% F
Total Return 23.22% 52% F 72% C-
Trailing 12 Months  
Capital Gain 80.99% 69% D+ 63% D
Dividend Return 3.44% 36% F 56% F
Total Return 84.43% 70% C- 64% D
Trailing 5 Years  
Capital Gain N/A N/A N/A N/A N/A
Dividend Return N/A N/A N/A N/A N/A
Total Return N/A N/A N/A N/A N/A
Average Annual (5 Year Horizon)  
Capital Gain -9.62% 5% F 13% F
Dividend Return 1.06% 18% F 29% F
Total Return -8.56% 4% F 12% F
Risk Return Profile  
Volatility (Standard Deviation) 21.67% 64% D 72% C-
Risk Adjusted Return -39.49% 4% F 9% F
Market Capitalization 0.53B 58% F 52% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks-Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 11.49 77% C+ 72% C-
Price/Book Ratio 0.99 77% C+ 90% A-
Price / Cash Flow Ratio 8.05 72% C- 44% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 9.00% 60% D- 74% C
Return on Invested Capital -2.68% 7% F 41% F
Return on Assets 0.82% 40% F 56% F
Debt to Equity Ratio N/A N/A N/A N/A N/A
Technical Ratios  
Short Ratio 1.76 77% C+ 57% F
Short Percent 1.20% 62% D- 78% C+
Beta 0.91 55% F 66% D
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Underpriced compared to earnings

The stock is trading low compared to its peers on a price to earning basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Underpriced compared to book value

The stock is trading low compared to its peers on a price to book value basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

What to not like:
Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

Poor return on assets

The company management has delivered below median return on assets in the most recent 4 quarters compared to its peers.