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Amalgamated Financial Corp. key statistics and ratios

In fiscal 2025, Amalgamated Financial Corp. had return on equity of 13.9% and a net margin of 31.8%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2018Dec 20182019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMSept 2026
Net margin25.1%24.1%20.9%26.1%30.9%30.3%33.7%31.8%32.5%
Return on equity10.2%10.2%9.0%9.6%15.2%16.1%16.5%13.9%15.1%
Return on assets—0.9%0.8%0.8%1.1%1.1%1.3%1.2%1.3%
Effective tax rate11.3%26.4%25.4%25.2%24.7%29.5%26.9%25.5%24.6%
Dividends ÷ net income4.3%17.6%21.6%18.8%13.8%14.0%13.4%16.5%16.0%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

81 /100

Strong moat

How hard Amalgamated Financial's competitive advantage looks for rivals to wear away, judged from 7 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 14 / 20

    Net income has been a median 1.2% of total assets over 6 years.

  • Durability 19 / 20

    Net margin has been a median 31.5%; its worst year was 20.7%.

  • Discipline 18 / 20

    The diluted share count fell 3.6% over five years; stock-based pay has been a median 1.6% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (86 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

Head to head: AMAL vs OSBCAMAL vs FMBHAMAL vs BHRB

More: Regional Banks stocks compared, Financials sector, rankings of US companies

Figures from Amalgamated Financial Corp.'s SEC filings (10-K and 10-Q), retrieved November 3, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Amalgamated Financial Corp.