An entry written while the outcome is still unknown. It will be scored by what the market does next, and it will never be edited to look cleverer than it was.
In plain words · Amalgamated Financial Corp.
VERDICT
The label
Accumulation
read at $47.67
Saturna Sustainable Equity Fund ETF holds its Accumulation at $47.67.
PHPhase · the trend structure carries the Accumulation label
INInsiders · no filings inside 60 days, left as found
POPositioning · no disclosures inside 60 days, left as found
OPOptions · no verdict drawn today, left as found
SCScreen · passes the values gate
edge confirmed
edge broken
edge forming
Each arm is one independent read. Conviction is not a single call, it is how many edges converge.
INVESTOR
The investor read · the season, not the day
As held on the ledger · 2026-07-19
Phase
Accumulation
Quantitative state
The statistical read favours the buyers, held for 5 days
Price
$47.67
Valuation
13.86 trailing · 10.49 forward price to earnings
Values screen
PASS· score 50.0
Beta
0.79
OPPORTUNITY
The opportunity · what the numbers say it is worth
Our framework reads FAIR VALUE — it trades at roughly a 11% discount to our $53.00 fair value, 4.70% revenue growth.
Read at
$47.67
13.86 P/E · 10.49 fwd
Our fair value
$53.00
11% discount
Analyst target (avg)
$50.50
+6% to current
Target low $48.00Analyst target rangeTarget high $53.00
▲ current $47.67 · | average target
Price history & projections · where it has been, where the models see it going
The valuation journey · where the price sits against fair value and the Street
Current
$47.67
you are here
Conservative
$53.00
+11%
Analyst avg
$50.50
+6%
Our fair value
$53.00
+11%
Analyst high
$53.00
+11%
Green marks levels above today's price, red below; the shaded band is the gap between the price and our fair value.
Reading the gap · Both our model and the analysts see meaningful upside from here.
Revenue growth
4.70%
Profit margin
33.12%
Analyst consensus
Buy · 2 covering
Fair value and rating are our own model estimates; target range reflects third-party analyst estimates. Analysis, not advice.
SCREEN
The values screen, explained · five checks, plain English
This company clears both standards. There are two widely recognised ways to check whether a company is suitable for a Muslim investor. Here is how it did on each:
The common standard· AAOIFI Used by most halal investing apps✓ PASSES
Our stricter standard· asset-based The one Titan applies✓ PASSES
Business activityShariah-screened instrument — compliant by designFail
Debt loadInterest-bearing debt is of its assets, above the one-third ceiling the screen allows.Fail
Interest-bearing cashInterest-bearing cash and securities are of assets, above the one-third limit.Fail
ReceivablesMoney owed to the company is of assets, above the 49% limit.Fail
Revenue purity of revenue comes from non-compliant sources, over the 5% line.Fail
Every security is read against two recognised standards: our stricter asset-based screen (ratios measured against total assets) and the more widely used market-value standard (measured against market capitalisation). Where they agree we say so plainly; where they part ways — almost always on the debt check — we show both readings and mark it, because that disagreement is the finding, not a fault. We report the score; you and your scholar make the call.
PLAIN
The business, in plain words · what the numbers mean
Shariah-compliant lender at a modest discount
Picture 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.
Screened names in the same industry · explore each on its own page.
TRADE
Where & how to trade · wherever in the world you are
AMAL trades on NASDAQ. As a US-listed security it is accessible through almost any international broker offering US markets. New to this, or investing from outside the US? Our guide to accessing global markets covers brokers, currencies and the practical steps.
TRADER
The trader read · the latest dated commentary
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved up 12.4% 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 (2 analysts) rates it none, with a mean price target of $46. Entered 2026-07-21 · Accumulation
JOURNAL
The dated journal · newest first, never edited
2026-07-21Accumulation$47.67+12.4%Entry 5
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved up 12.4% 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 (2 analysts) rates it none, with a mean price target of $46.
2026-07-18Accumulation$42.42+0.0%Entry 4
The framework 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 excellent 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 (2 analysts) rates it none, with a mean price target of $46.
2026-07-17Accumulation$42.42+0.0%Entry 3
The framework 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 excellent 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 (2 analysts) rates it none, with a mean price target of $46.
2026-07-03Accumulation$42.42+0.0%Entry 2
The framework 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 excellent risk-adjusted returns.
2026-07-02Accumulation$42.42Entry 1
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Ethical screening: PASS with ethical pass with moderate score. The risk-adjusted return profile shows excellent risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
