Amalgamated Financial Corp. (AMAL)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$50.82+1.86%
Close 2026-11-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · AMAL
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 2.7% |
| Our one-year growth estimate | diamond | -8.5% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 11.3 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
AMAL — dividend update
Dated 2026-10-20
Regulation FD Disclosure. On October 20, 2026, Amalgamated Financial Corp. (the "Company") issued a press release announcing that the Board of Directors declared a quarterly dividend of $0.17 per share. The dividend is payable on November 19, 2026, to shareholders of record on November 3, 2026. A copy of the press release is furnished as Exhibit 99.1 to this Current Report Form 8-K and is incorporated by reference herein.
Why it matters: The bank expects to finish the old office exit in Q4. Completion could end the double-rent period tied to its new headquarters.
Supportive ifThe bank reports that restoration and exit of the previous headquarters were completed in Q4 2026.
Worry ifAfter Q4, the bank says it has not finished leaving its old headquarters, or occupancy costs rise again.
Why it matters: Margin fell one basis point in Q3 as deposit costs offset higher loan income. A further drop could slow income growth.
Worry ifNet interest margin falls below 3.75% in a reported quarter.
Less concerning ifNet interest margin stays at or above 3.77% while net interest income grows from $87.9 million.
Why it matters: The bank is still working to resolve this troubled loan group. A recovery could limit more credit costs.
Watch forThe bank reports a payoff, note sale, or foreclosure that clears the $78 million loan group, with no added reserves.
Also watch forThe bank adds reserves on the group, reports new losses, or says the workout has stalled.
Why it matters: Deposits grew in Q3, but growth slowed from Q2. More growth can support loans and fee income.
Supportive ifOn-balance sheet deposits grow at least 3% in the next quarter, with average deposit cost at or below 1.46%.
Worry ifDeposits on the balance sheet shrink, or the average deposit cost rises above 1.46%.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$96 on $10,000 · ±1.0% | How much price usually moves either way. |
| Bad day | $214 loss on $10,000 · 2.1% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,183 loss on $10,000 · 11.8% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.