Amalgamated Financial Corp.AMAL · NASDAQ · USD · Market cap $1.5B · 450 employees
Amalgamated Financial Corp.
FAIL · Does not pass the screenPrice as of 30 Oct 2026Daily close, not a live quote
Screened 2026-10-30 · the tape above runs as of 21:09 UTC · two dates, stated on purpose · verdict and workings shown in full · never trimmed
A summary of the dated readings below, not a live quote and not advice.
Our fair-value range: $52.39 to $87.31, base estimate $60.00 (screen dated 2026-10-30).
Our analytic regime reads on this name, dated and marked against the screened price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
Amalgamated Financial Corp. holds its Accumulation at $50.07. Consolidating, no directional conviction, held for 318 days.
| Phase | Accumulation |
| Quantitative state | Consolidating, no directional conviction, held for 318 days |
| Price at the screen | $50.07 |
| Valuation | 13.71 trailing · 11.04 forward price to earnings |
| Values screen | FAIL · score 50.0 |
| Beta | 0.81 |
Does not pass. Business activity: conventional financial services (interest-based)
| Test | Figure | Limit | What it means | Status |
|---|---|---|---|---|
| Business activity | Excluded | Core business clean | Conventional financial services (interest-based) | Fail |
| Debt load | Excluded | Below 33% | Interest-bearing debt is of its assets, above the one-third ceiling the screen allows. | Fail |
| Interest-bearing cash | Excluded | Below 33% | Interest-bearing cash and securities are of assets, above the one-third limit. | Fail |
| Receivables | Excluded | Below 49% | Money owed to the company is of assets, above the 49% limit. | Fail |
| Revenue purity | Excluded | Below 5% | of revenue comes from non-compliant sources, over the 5% line. | Fail |
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
The Ethical ReadAmalgamated Financial does not clear the screen at the business-activity stage. It operates in conventional financial services, which the screen treats as interest-based, so the financial ratios are not the deciding factor here.
Read as at 2026-10-31. It updates when the underlying figures move, and past reads are kept below.
Amalgamated Financial does not clear the screen at the business-activity stage. It operates in conventional financial services, which the screen treats as interest-based, so the financial ratios are not the deciding factor here.
Saturna Sustainable Equity Fund ETF clears all five screens. Its business is in a permissible area, its debt, cash, receivables and income are all inside the lines, so it passes.
Earlier reads, kept as written. The ethical profile is tracked over time, not overwritten.
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Our analysis reads FAIR VALUE: it trades at roughly a 20% discount to our $60.00 fair value, 22.10% revenue growth.
How a fair value is estimated: discounted cash flow (DCF).
Fair value range in USD, drawn from the 2026-10-30 screen. The gold marker is the market price at the same screen. A 19.8% margin of safety to the base estimate.
Third-party analyst targets: 3 covering, consensus Buy. The average target sits +10% from the screen price.
Reading the gap · Both our model and the analysts see meaningful upside from here.
Price History & ProjectionsWhere our models see it going: fair-value estimate $60.00, with a range of $52.39 to $87.31, dated to the 2026-10-30 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain WordsPicture a regional bank built for customers who want their deposits to match their values. Amalgamated clears that test by design, passing our ethical screen while posting a 33 percent profit margin and 14 percent return on equity. At 10.5 times forward earnings the shares sit 11 percent below our 53 fair value, with analysts clustered around a 50 target and only 5 percent revenue growth on show.
That combination keeps the name at fair value rather than a bargain. The low multiple reflects modest expansion and an unknown competitive moat, so the discount is not yet screaming opportunity.
Cyclical earnings in regional banking can flatten quickly when rates or credit conditions turn, and the thin growth rate offers little cushion if those pressures arrive. Analysis, not advice.
| Forward P/E | 11.0xcheap for a company growing this fast |
| Trailing P/E | 13.7xreasonably valued |
| EPS, trailing | 3.75 |
| EPS, forward | 4.66 |
| Revenue growth | +22.1%strong top-line growth |
| Profit margin | 35.0%highly profitable on every dollar of sales |
| Return on equity | 15.3%a solid return on shareholder capital |
| Dividend yield | 1.53% |
| Beta | 0.81steadier than the market |
| Short interest, float | 0.08% |
| 52-week range | 26.61 - 51.87 |
| Market cap | $1.5B |
| Employees | 450 |
Another profit measure, before interest, tax and non-cash costs: EBITDA.
The risks · The things to watch: it's a small-cap, so the share price can swing harder than the market.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to TradeAMAL trades on NASDAQ. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved up 9.2% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 17% above its long-term trend line with momentum reading bullish. Over the past year the shares are up 42%. Our forward projection puts the odds of a 10% gain over the next month near 27%. The street (3 analysts) rates it buy, with a mean price target of $56.
The framework has shifted from markdown to accumulation since the last review. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 10% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 42%. Our forward projection puts the odds of a 10% gain over the next month near 27%. The street (3 analysts) rates it buy, with a mean price target of $55. It reported earnings in this window, a natural checkpoint for the thesis.
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: PASS with ethical pass with moderate score. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 10% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 42%. Our forward projection puts the odds of a 10% gain over the next month near 27%. The street (3 analysts) rates it buy, with a mean price target of $55. It reported earnings in this window, a natural checkpoint for the thesis.
The framework has shifted from accumulation to markdown since the last review. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: PASS with ethical pass with moderate score. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 10% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 42%. Our forward projection puts the odds of a 10% gain over the next month near 27%. The street (3 analysts) rates it buy, with a mean price target of $55. It reported earnings in this window, a natural checkpoint for the thesis.
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: PASS with ethical pass with moderate score. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 10% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 42%. Our forward projection puts the odds of a 10% gain over the next month near 27%. The street (3 analysts) rates it buy, with a mean price target of $55. It reported earnings in this window, a natural checkpoint for the thesis.
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: PASS with ethical pass with moderate score. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 24% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 42%. Our forward projection puts the odds of a 10% gain over the next month near 27%. The street (3 analysts) rates it buy, with a mean price target of $55. It reported earnings in this window, a natural checkpoint for the thesis.
The framework has shifted from markdown to accumulation since the last review. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: PASS with ethical pass with moderate score. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 24% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 42%. Our forward projection puts the odds of a 10% gain over the next month near 27%. The street (3 analysts) rates it buy, with a mean price target of $55. It reported earnings in this window, a natural checkpoint for the thesis.
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved up 1.2% since our last review. Ethical screening: PASS with ethical pass with moderate score. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 24% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 42%. Our forward projection puts the odds of a 10% gain over the next month near 27%. The street (3 analysts) rates it buy, with a mean price target of $55. It reported earnings in this window, a natural checkpoint for the thesis.
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.1% since our last review. Ethical screening: PASS with ethical pass with moderate score. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 24% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 42%. Our forward projection puts the odds of a 10% gain over the next month near 27%. The street (3 analysts) rates it buy, with a mean price target of $55. It reported earnings in this window, a natural checkpoint for the thesis.
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 1.3% since our last review. Ethical screening: PASS with ethical pass with moderate score. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 24% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 42%. Our forward projection puts the odds of a 10% gain over the next month near 27%. The street (3 analysts) rates it none, with a mean price target of $54.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
Headlines from third-party outlets, linked for reference: not our reporting, not advice.
Screened names in the same industry · explore each on its own page.
| Date | Insider | Title | Type | Shares | Value |
|---|---|---|---|---|---|
| 2026-09-15 | Searby Sean | EVP Chief Info., Ops. Officer | S - Sale | 3,314 | $158,231 |
| 2026-04-07 | TENNER MANDY | Officer | 747 | $29,895 | |
| 2026-04-07 | SEARBY SEAN | Chief Technology Officer | 748 | $29,935 | |
| 2026-04-01 | SEARBY SEAN | Chief Operating Officer | 4,948 | $195,048 | |
| 2026-03-10 | TENNER MANDY | Officer | 776 | $29,395 | |
| 2026-03-06 | BROWN PRISCILLA | Chief Executive Officer | 19,262 | · | |
| 2026-03-06 | GRAHAM TYRONE | Officer | 3,452 | · | |
| 2026-03-04 | GRAHAM TYRONE | Officer | 501 | $19,479 | |
| 2026-02-27 | TENNER MANDY | Officer | 2,029 | $78,113 | |
| 2026-02-27 | ROMNEY EDGAR JR | Officer | 3,313 | · |
Public filings, recorded as found. The full tape lives at Insider Intelligence.
| Period | Price then | Price return | Divs per share | $1,000 became | Total return |
|---|---|---|---|---|---|
| 1 month | $41.18 | +6.1% | · | $1,061 | +6.1% |
| 2 months | $41.95 | +4.1% | $0.17 | $1,045 | +4.5% |
| 3 months | $37.80 | +15.5% | $0.17 | $1,160 | +16.0% |
| 6 months | $32.02 | +36.4% | $0.34 | $1,375 | +37.5% |
| 1 year | $30.70 | +42.3% | $0.62 | $1,443 | +44.3% |
| 2 years | $23.78 | +83.6% | $1.14 | $1,884 | +88.4% |
| 3 years | $15.55 | +180.9% | $1.56 | $2,909 | +190.9% |
| 5 years | $14.21 | +207.2% | $2.28 | $3,233 | +223.3% |
Historical returns from market close data. Past performance does not guarantee future results.
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Join the deskScreening is research, not a fatwa and not financial advice. Figures are drawn from public accounts at the screen date shown. Always manage your risk.
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