Latest revenue
$81.5M
as of 2026-03-31
Latest net income
$25.2M
as of 2026-03-31
Net margin
31.0%
as of 2026-03-31
ActaClear Score
Computed from 5 years of SEC fundamentals + latest market data, ranked within State Commercial Banks (212 peers). 10 = best in industry, 5 = median, 0 = worst. Refreshed Jun 7, 2026.
Fair value · DCF
DCF: 10-year forecast of free cash flow, discounted at the company's WACC, with a Gordon-growth terminal at year 10. FCF is proxied by last fiscal-year net income (proper FCF needs CFO − CapEx by year, which we don't store yet). Drag the slider to test your own growth thesis — the dominant assumption in any DCF is what comes next, not what the math does with it. Beta defaults to 1.0 when not reported.
Community sentiment
Where do you think AMAL is heading?
Price · 5Y
Live market
delayed ≤15 min- Market cap
- $1.27B
- Enterprise value
- $1.26B
- P/E (trailing)
- 12.1×
- Forward P/E
- —
- P/B
- 1.79×
- Dividend yield
- 1.5%
- 52-wk high
- $44.01
- 52-wk low
- $25.13
- Beta
- —
- Shares out
- 29.9M
5-year trend
What this company does
Consolidated Statements of Financial Condition (Dollars in thousands except for per share amounts) December 31,2025December 31,2024 Assets Cash and due from banks$4,501 $4,042 Interest-bearing deposits in banks286,716 56,707 Total cash and cash equivalents291,217 60,749 Securities: Available for sale, at fair value: Traditional securities 1,580,049 1,477,047 Property Assessed Clean Energy ("PACE") assessments 203,502 152,011 1,783,551 1,629,058 Held-to-maturity, at amortized cost: Traditional securities, net of allowance for credit losses of $41 and $49, respectively 476,950 542,246 PACE assessments, net of allowance for credit losses of $703 and $655, respectively 1,077,065 1,043,959…
AI summary unavailable — showing raw filing excerpt
Generated from AMAL's filing dated 2026-03-05
Key risks
Consolidated Statements of Income (Dollars in thousands, except for per share amounts) Year Ended December 31, 202520242023 INTEREST AND DIVIDEND INCOME Loans$240,616 $215,380 $191,295 Securities176,272 177,247 161,003 Interest-bearing deposits in banks5,341 8,669 5,779 Total interest and dividend income422,229 401,296 358,077 INTEREST EXPENSE Deposits121,554 113,461 81,124 Borrowed funds2,891 5,405 15,642 Total interest expense124,445 118,866 96,766 NET INTEREST INCOME297,784 282,430 261,311 Provision for credit losses16,323 10,284 14,670 Net interest income after provision for credit losses281,461 272,146 246,641 NON-INTEREST INCOME Trust Department fees 16,181 15,186 15,175 Service…
AI summary unavailable — showing raw filing excerpt
Generated from AMAL's filing dated 2026-03-05
Profitability
Net margin
23.0%
5.9%Return on equity
15.0%
0.0%Return on assets
6.7%
421.4%Leverage
Debt / equity
10.67×
1401.5%Debt / assets
91.4%
120.1%Earnings tracker
| Quarter | Revenue | YoY | Net income | YoY | Net margin |
|---|---|---|---|---|---|
Q1 2026 2026-03-31 | $81.5M | +14.4% | $25.2M | +0.8% | 31.0% |
Q4 2025 2025-12-31 | $228.7M | +3.3% | $26.6M | +8.8% | 11.6% |
Q3 2025 2025-09-30 | $78.9M | +6.7% | $26.8M | -4.1% | 33.9% |
Q2 2025 2025-06-30 | $74.3M | +5.6% | $26.0M | -2.9% | 35.0% |
Q1 2025 2025-03-31 | $71.2M | +3.7% | $25.0M | -8.2% | 35.2% |
Q4 2024 2024-12-31 | $221.5M | — | $24.5M | — | 11.1% |
Q3 2024 2024-09-30 | $73.9M | +12.4% | $27.9M | +25.3% | 37.8% |
Q2 2024 2024-06-30 | $70.4M | +9.5% | $26.8M | +23.6% | 38.0% |
Year-over-year change vs the same fiscal quarter one year prior. Revenue + net income sourced from SEC 10-Q / 10-K filings — no analyst-consensus dependency.
Industry trend
State Commercial Banks · SIC 6022
Your notes
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Insider activity
Insider buying
$0
Insider selling
$1.8M
Net activity
−$1.8M
Distinct insiders
7
Open-market trades over the last 365 days.
Recent transactions
Source: SEC Form 4 filings. Officers, directors, and 10%+ owners must disclose share transactions within two business days. RSU grants and tax-withholding rows are excluded by default — compensation activity is not a trading signal.
Who owns AMAL
Institutional value
$358.1M
Total shares held
9.9M
Distinct holders
109
-64 vs prior
As of
2026-03-31
Prior: 2025-12-31
Filers with $100M+ AUM disclose holdings 45 days after quarter end.
Top institutional holders
| # | Manager | Shares | Value | QoQ change | Action |
|---|---|---|---|---|---|
| 1 | BlackRock, Inc. | 3.5M | $134.8M | -19.8K (-0.6%) | Trimmed |
| 2 | DIMENSIONAL FUND ADVISORS LP | 1.4M | $54.6M | -5.0K (-0.4%) | Trimmed |
| 3 | VANGUARD CAPITAL MANAGEMENT LLC | 821.6K | $31.9M | — | New |
| 4 | VANGUARD PORTFOLIO MANAGEMENT LLC | 444.0K | $17.3M | — | New |
| 5 | FEDERATED HERMES, INC. | 324.5K | $12.6M | +34.6K (+12.0%) | Added |
| 6 | Nuveen, LLC | 212.8K | $8.3M | -1.1K (-0.5%) | Trimmed |
| 7 | CONGRESS ASSET MANAGEMENT CO | 173.6K | $6.7M | +24.6K (+16.5%) | Added |
| 8 | Bank of New York Mellon Corp | 156.2K | $6.1M | -10.8K (-6.4%) | Trimmed |
| 9 | VANGUARD FIDUCIARY TRUST CO | 136.6K | $5.3M | — | New |
| 10 | ISTHMUS PARTNERS, LLC | 112.6K | $4.4M | -3.3K (-2.9%) | Trimmed |
| 11 | GLOBEFLEX CAPITAL L P | 106.9K | $4.2M | +0 (+0.0%) | No change |
| 12 | Arjuna Capital | 100.5K | $3.9M | +1.7K (+1.7%) | Added |
| 13 | NIA IMPACT ADVISORS, LLC | 96.4K | $3.7M | -22.8K (-19.1%) | Trimmed |
| 14 | Harrington Investments, INC | 80.9K | $3.1M | -700 (-0.9%) | Trimmed |
| 15 | FRANKLIN RESOURCES INC | 80.1K | $3.1M | +16.3K (+25.6%) | Added |
| 16 | Allianz Asset Management GmbH | 79.4K | $3.1M | -17.6K (-18.1%) | Trimmed |
| 17 | Universal- Beteiligungs- und Servicegesellschaft mbH | 76.9K | $3.0M | +5.3K (+7.4%) | Added |
| 18 | Clean Yield Group | 73.5K | $2.9M | -19.0K (-20.5%) | Trimmed |
| 19 | Abacus Wealth Partners, LLC | 69.3K | $2.7M | +3.7K (+5.7%) | Added |
| 20 | Connor, Clark & Lunn Investment Management Ltd. | 67.7K | $2.6M | -38.3K (-36.2%) | Trimmed |
Source: SEC Form 13F-HR. Positions aggregated across sub-managers within each firm. Options (puts/calls) excluded — common stock only.
Top questions investors are asking
Coming once AMAL's latest filing finishes processing.
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