Amalgamated Financial Corp. (AMAL)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$49.17+0.27%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
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 dropped from the top half to the bottom half of its industry over the past month — the reason to own it has weakened.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 0.6% |
| Our one-year growth estimate | diamond | -5.8% |
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 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
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 6.4 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers
AMAL — dividend update
Dated 2026-07-21
Regulation FD Disclosure. On July 21, 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 August 20, 2026, to shareholders of record on August 4, 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 expanded buyback program could boost shareholder value. Its effectiveness will be seen in the stock's performance.
Supportive ifStock price shows a positive trend following the announcement of the $31.4 million buyback.
Worry ifThe stock price goes down even after the buyback announcement. This shows low investor confidence.
Why it matters: If net income keeps growing, it shows management can hit revenue goals.
Supportive ifQ3 net income reported above $34.8 million.
Worry ifQ3 net income reported below $34.8 million.
Why it matters: Continued dividend growth shows management's confidence in cash flow. This is important for investor trust.
Supportive ifThe Board declares a dividend increase above $0.17 per share.
Worry ifNo increase in the dividend from the current $0.17 per share.
Why it matters: The share buyback program could increase value for shareholders if done well.
Supportive ifAmalgamated finished buying back at least $15 million in shares. This happened by the end of Q3 2026.
Worry ifNo significant share repurchases reported by the end of Q3 2026.
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.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$111 on $10,000 · ±1.1% | How much price usually moves either way. |
| Bad day | $217 loss on $10,000 · 2.2% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,269 loss on $10,000 · 12.7% | 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.
Why it matters: Growing dividends show strong cash flow. This shows management cares about shareholders.
Supportive ifThe company announces another rise in the dividend per share.
Worry ifThe company cuts or freezes the dividend payout.
Why it matters: A bigger buyback program shows strong capital use and trust in future results.
Supportive ifAnnouncement of an increase in the share repurchase program beyond the current $40 million.
Worry ifNo announcement of an increase in the share repurchase program.
Why it matters: The new $31.4 million buyback could boost shareholder value. Investors will watch for actual buybacks.
Supportive ifThe company finished buying back at least $10 million in shares.
Worry ifNo big share buybacks are expected in the next three months.
Why it matters: A higher net interest margin means better loan pricing and more profit.
Supportive ifQ3 net interest margin was above 3.78%.
Worry ifQ3 net interest margin was below 3.78%.
Why it matters: The sector's growth phase is easing. If Amalgamated's revenue growth drops, it may indicate broader issues.
Worry ifAmalgamated's revenue growth drops below the median for the sector.
Less concerning ifAmalgamated keeps or beats its revenue growth rate compared to the sector median.
Why it matters: The financial sector's growth is slowing. A drop in revenue growth could affect Amalgamated's performance.
Worry ifSector revenue growth drops below 15% year over year.
Less concerning ifSector revenue growth remains above 15% year over year.
Why it matters: Keeping the dividend steady shows stable cash flow and care for shareholders.
Watch forAnnouncement of a dividend increase from $0.17 per share.
Also watch forAnnouncement of a dividend decrease from $0.17 per share.
Why it matters: Loan growth over $115 million would show strong demand and good lending.
Supportive ifQ3 loan growth reported above $115 million.
Worry ifQ3 loan growth reported below $100 million.
Why it matters: If the dividend stays at $0.17 or goes up, it shows management cares about giving cash to shareholders. This can boost investor trust.
Supportive ifDividend declared at $0.17 or higher for Q3.
Worry ifDividend remains at $0.17 or decreases for Q3.