AMAL:NSD-Amalgamated Bank (USD)

COMMON STOCK | Banks-Regional | NSD

Last Closing Price

USD 15.03

Change

+0.23 (+1.55)%

Market Cap

USD 0.46B

Volume

0.03M

Average Target Price

USD 15.25 (+1.46%)
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

Amalgamated Bank, 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 loans for commercial loans, consumer/small business and purchased student loans, and home equity lines of credit. 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, socially responsible businesses, and other for-profit companies, as well as their members and stakeholders. The company operates a network of 11 branches in New York City; one branch in Washington, D.C.; and one branch in San Francisco, as well as a digital banking and mobile platform. The company was formerly known as Amalgamated Bank of New York and changed its name to Amalgamated Bank in 2000. 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: 2021-01-22 )

Largest Industry Peers for Banks-Regional

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

+0.02 (+0.08%)

USD28.14B 36.32 N/A
SIVB SVB Financial Group

+24.56 (+5.39%)

USD23.61B 22.21 N/A
FITB Fifth Third Bancorp

+0.22 (+0.72%)

USD21.86B 15.32 N/A
FITBI Fifth Third Bancorp

-0.01 (-0.03%)

USD20.18B 14.40 N/A
HBAN Huntington Bancshares Incorpor..

-0.67 (-4.62%)

USD14.83B 20.41 N/A
HBANO Huntington Bancshares Incorpor..

N/A

USD13.19B 35.72 N/A
SBNY Signature Bank

+8.51 (+5.61%)

USD8.13B 15.96 N/A
CBSH Commerce Bancshares, Inc

+1.20 (+1.76%)

USD7.99B 23.43 N/A
ZION Zions Bancorporation, National..

+0.73 (+1.54%)

USD7.78B 15.69 N/A
PBCTP People's United Financial, Inc

+0.11 (+0.39%)

USD6.84B 24.47 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 9.39% 69% D+ 58% F
Dividend Return N/A N/A N/A N/A N/A
Total Return 9.39% 69% D+ 58% F
Trailing 12 Months  
Capital Gain -18.76% 23% F 16% F
Dividend Return 1.73% 24% F 42% F
Total Return -17.03% 23% F 17% F
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 -12.71% 3% F 14% F
Dividend Return 0.94% 18% F 26% F
Total Return -11.77% 2% F 14% F
Risk Return Profile  
Volatility (Standard Deviation) 14.77% 84% B 79% C+
Risk Adjusted Return -79.71% 2% F 6% F
Market Capitalization 0.46B 57% F 50% F
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%

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 10.42 78% C+ 74% C
Price/Book Ratio 0.93 69% D+ 87% B+
Price / Cash Flow Ratio 5.51 85% B 49% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 8.80% 61% D- 74% C
Return on Invested Capital 8.29% 64% D 74% C
Return on Assets 0.76% 36% F 54% F
Debt to Equity Ratio 15.29% 62% D- 69% D+
Technical Ratios  
Short Ratio 2.39 76% C 54% F
Short Percent N/A N/A N/A N/A N/A
Beta 0.93 49% 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:
Low volatility

The stock’s annual returns have been stable and consistent compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile. Although stability is good, also keep in mind it can limit returns.

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 on cashflow basis

The stock is trading low compared to its peers on a price to cash flow 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.

Low Earnings Growth

This stock has shown below median earnings growth in the previous 5 years compared to its sector

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector