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AMAL Financials Amalgamated Financial Corp.

8 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →

Growth & profitability

  • Free cash flow has grown 15.9% per year over the past 5 years.

Shareholder returns

  • Dividends have been paid for 8 consecutive years, consuming 16.5% of earnings and 12.8% of free cash flow.
  • The dividend has grown 11.5% per year over the past 5 years.
Net income
$0 $53M $106M 2018 2019 2020 2021 2022 2023 2024 2025
Net income
Return on equity & assets (ROE / ROA)
0% 8% 16% 2018 2019 2020 2021 2022 2023 2024 2025
ROEROA
Shareholders' equity (book value)
$0 $397M $794M 2018 2019 2020 2021 2022 2023 2024 2025
Equity
Free cash flow (CFO − capex)
$0 $73M $146M 2018 2019 2020 2021 2022 2023 2024 2025
Free cash flow
Cash vs total debt
$0 $165M $330M 2018 2019 2020 2021 2022 2023 2024 2025
CashTotal debt
Cash flow: operating / investing / financing
-$1B -$58M $1B $0 2018 2019 2020 2021 2022 2023 2024 2025
OperatingInvestingFinancing

Key annual figures

FYRevenueNet incomeGross MOp MROEROAFCFTotal debtCash
2025 — $104M — — 13.1% 1.2% $134M — $291M
2024 — $106M — — 15.0% 1.3% $122M — $61M
2023 — $88M — — 15.0% 1.1% $116M — $91M
2022 — $81M — — 16.0% 1.0% $146M — $64M
2021 — $53M — — 9.4% 0.7% $68M — $330M
2020 — $46M — — 8.6% 0.8% $64M $0 $39M
2019 — $47M — — 9.6% 0.9% $83M $75M $123M
2018 — $45M — — 10.2% — $30M — —

Valuation over time

How the market has priced AMAL against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

Price / earnings (P/E)
0.0 7.1 14.2 Mar '23 Sep '23 Mar '24 Sep '24 Mar '25 Sep '25 Mar '26 Sep '26
P/E
Dividend yield (%)
0.0 1.3 2.7 Mar '23 Sep '23 Mar '24 Sep '24 Mar '25 Sep '25 Mar '26 Sep '26
Dividend yield %

Frequently asked questions

Is AMAL growing its revenue and profit?

See the revenue and net-income charts above for Amalgamated Financial Corp.'s multi-year trend.

How much debt does AMAL have?

As of FY2025, Amalgamated Financial Corp. reported — of total debt against $291M of cash.

What is AMAL's profit margin?

In FY2025, gross margin was —, operating margin —, and net margin —.

What is AMAL's P/E ratio?

Amalgamated Financial Corp.'s P/E (TTM) is 12.05 as of the 2026-11-03 close — market cap ÷ net income over the trailing twelve months where four consecutive quarters are reported, otherwise the latest fiscal year, the same figure as on the AMAL stock page. The valuation chart above sets each month-end's price against the latest annual net income instead, so its latest point (about 14.2× as of Nov '26) can differ. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), split-adjusted; price return — dividends not reinvested · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.