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Amalgamated Bank ( (AMAL) ) has shared an announcement.
On January 22, 2026, Amalgamated Financial Corp. reported its fourth quarter and full-year 2025 results, highlighting record quarterly deposit growth of nearly $1 billion, strong liquidity of $4.7 billion within two days, and a higher net interest margin of 3.66% in the quarter. Fourth-quarter 2025 net income was essentially flat at $26.6 million, or $0.88 per diluted share, while core net income rose to $30.0 million; net loans increased to $4.9 billion, deposits expanded both on and off balance sheet, and capital remained robust with a Common Equity Tier 1 ratio of 14.26% and tangible book value per share up 3.4% to $26.18. For full year 2025, net income dipped 1.9% to $104.4 million but core net income increased 3.6% to $111.6 million, supported by 10.7% on-balance sheet deposit growth, 6.2% loan growth, higher net interest income and margin, stable nonperforming assets, and continued share repurchases, underscoring the bank’s solid profitability, balance-sheet growth, and strengthened capital and liquidity position.
The most recent analyst rating on (AMAL) stock is a Buy with a $38.00 price target. To see the full list of analyst forecasts on Amalgamated Bank stock, see the AMAL Stock Forecast page.
Spark’s Take on AMAL Stock
According to Spark, TipRanks’ AI Analyst, AMAL is a Outperform.
AMAL scores well on financial performance, led by strong profitability and high cash-flow/earnings quality alongside improving leverage. Technicals are supportive with a clear uptrend and positive momentum, though short-term conditions look somewhat stretched. Valuation is reasonable at ~10.4x earnings with a modest dividend, while the latest earnings call reinforced a positive outlook but flagged charge-offs and expense pressure as key watch items.
To see Spark’s full report on AMAL stock, click here.
More about Amalgamated Bank
Amalgamated Financial Corp., listed on Nasdaq under the ticker AMAL, is the holding company for Amalgamated Bank, a New York-based commercial bank. The bank focuses on mission-aligned, values-based banking and offers a range of deposit, lending, and treasury services, with notable exposure to commercial and industrial, commercial real estate, multifamily lending, and PACE (Property Assessed Clean Energy) assessments, as well as significant political and off-balance sheet deposits.
Average Trading Volume: 185,813
Technical Sentiment Signal: Buy
Current Market Cap: $1.01B
See more data about AMAL stock on TipRanks’ Stock Analysis page.