Amalgamated Bank (AMAL) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Amalgamated Bank stock (AMAL) is currently trading at $38.56. Amalgamated Bank PE ratio is 10.98. Amalgamated Bank PS ratio (Price-to-Sales) is 3.59. Analyst consensus price target for AMAL is $42.00. WallStSmart rates AMAL as Hold.
- AMAL PE ratio analysis and historical PE chart
- AMAL PS ratio (Price-to-Sales) history and trend
- AMAL intrinsic value — DCF, Graham Number, EPV models
- AMAL stock price prediction 2025 2026 2027 2028 2029 2030
- AMAL fair value vs current price
- AMAL insider transactions and insider buying
- Is AMAL undervalued or overvalued?
- Amalgamated Bank financial analysis — revenue, earnings, cash flow
- AMAL Piotroski F-Score and Altman Z-Score
- AMAL analyst price target and Smart Rating
Amalgamated Bank
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AMAL Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Amalgamated Bank (AMAL)
AMAL trades at a significant discount to its Graham intrinsic value of $83.75, offering a 52% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Amalgamated Bank (AMAL) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, profit margin. Fundamentals are solid but monitor weak areas for improvement.
Amalgamated Bank (AMAL) Key Strengths (4)
Keeps $43 of every $100 in revenue after operating costs
Keeps $33 of every $100 in revenue as net profit
Trading at 1.41x book value, attractively priced
61.96% held by institutions, strong professional interest
Supporting Valuation Data
Amalgamated Bank (AMAL) Areas to Watch (5)
Modest revenue growth at 9.00%
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Revenue is fairly priced at 3.59x sales
Solid earnings growth at 11.10%
Amalgamated Bank (AMAL) Detailed Analysis Report
Overall Assessment
This company scores 62/100 in our Smart Analysis, earning a C+ grade. Out of 9 metrics analyzed, 4 register as strengths (avg 9.0/10) while 5 fall into concern territory (avg 5.2/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Price/Book. Valuation metrics including Price/Book (1.41) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 43.20%, Profit Margin at 33.40%.
The Bear Case
The primary concerns are Revenue Growth, Market Cap, Return on Equity. Some valuation metrics including Price/Sales (3.59) suggest expensive pricing. Growth concerns include Revenue Growth at 9.00%, EPS Growth at 11.10%, which may limit upside. Profitability pressure is visible in Return on Equity at 13.90%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 13.90% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 9.00% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (Revenue Growth, Market Cap). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
AMAL Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
AMAL's Price-to-Sales ratio of 3.59x trades at a 48% premium to its historical average of 2.43x (93th percentile). The current valuation is 6% below its historical high of 3.81x set in Nov 2018, and 180% above its historical low of 1.28x in Mar 2020. Over the past 12 months, the PS ratio has expanded from ~2.0x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for Amalgamated Bank (AMAL) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Amalgamated Bank is a mature, profitable business with steady cash generation. Revenue reached 312M with 9% growth year-over-year. Profit margins are strong at 33.4%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 1390.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 33.4% and operating margin of 43.2% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Dividend sustainability with a current yield of 156.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Amalgamated Bank.
Bottom Line
Amalgamated Bank is a well-established business delivering consistent profitability with 33.4% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Amalgamated Bank(AMAL)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Amalgamated Finance Corporation The company is headquartered in New York, New York.