Amalgamated Financial's earnings call highlighted strong earnings performance, significant deposit growth, and recognition as a top-performing bank, indicating positive momentum. However, challenges remain with certain loan portfolios and non-performing assets.

Company Guidance -

Q3 2025

In the Amalgamated Financial Second Quarter 2025 Earnings Call, the company provided guidance highlighting continued strong performance despite external pressures. The company reported core earnings per share of $0.88, with a net income of $26 million or $0.84 per diluted share. On-balance sheet deposits grew by $209 million, excluding $112 million of temporary deposits, contributing to a total deposit increase to $7.6 billion. Political deposits saw a notable rise, increasing by $137 million to $1.2 billion. Loan growth was recorded at $60 million across multifamily, commercial real estate (CRE), and commercial and industrial (C&I) portfolios, resulting in a 2% increase, despite challenges in consumer solar and residential real estate loans. The bank maintained a net interest margin of 3.55% and a leverage ratio target of 9.2%. The tangible book value per share increased by 3.5% to $24.33, with a core return on average equity of 14.61%. The bank's CET1 ratio remained strong at 14.13%, and it executed the largest share repurchase in its history. It also announced a $0.14 per common share dividend, aiming for a total payout ratio of 20% to 25%. The company maintained full-year 2025 guidance for core pretax pre-provision earnings between $159 million to $163 million and net interest income between $293 million to $297 million, with an expectation of modest balance sheet growth and margin expansion in the second half of the year.

Strong Earnings Performance

Amalgamated delivered solid results with core earnings per share of $0.88, indicating strong profitability and performance in comparison to peers.

Significant Deposit Growth

Deposits grew by $209 million, excluding temporary pension funding deposits, with notable increases in political deposits by $137 million (13%) and not-for-profit segment deposits by over $100 million.

Loan Portfolio Expansion

The loan portfolio grew at a 10% compound annual growth rate from $3.1 billion in Q2 2021 to $4.7 billion by Q2 2025, with the PACE portfolio growing at a 22% compound annual growth rate.

Recognition for Bank Performance

Amalgamated was ranked #38 out of 338 banks in the American Banker's top-performing banks list and was the #1 most improved bank in the top 100, moving up nearly 50 spots in a year.

Amalgamated Bank (AMAL) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

AMAL Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 23, 2025	2025 (Q3)	0.88 / -	0.91	―	―	―
Jul 24, 2025	2025 (Q2)	0.87 / 0.88	0.85	3.53% (+0.03)
Apr 24, 2025	2025 (Q1)	0.80 / 0.88	0.83	6.02% (+0.05)
Jan 23, 2025	2024 (Q4)	0.88 / 0.90	0.72	25.00% (+0.18)
Oct 24, 2024	2024 (Q3)	0.83 / 0.91	0.76	19.74% (+0.15)
Jul 25, 2024	2024 (Q2)	0.79 / 0.85	0.72	18.06% (+0.13)
Apr 25, 2024	2024 (Q1)	0.74 / 0.83	0.74	12.16% (+0.09)
Jan 25, 2024	2023 (Q4)	0.71 / 0.72	0.87	-17.24% (-0.15)
Oct 26, 2023	2023 (Q3)	0.70 / 0.76	0.8	-5.00% (-0.04)
Jul 27, 2023	2023 (Q2)	0.74 / 0.72	0.67	7.46% (+0.05)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

AMAL Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 24, 2025	$33.06	$30.36	-8.17%
Apr 24, 2025	$27.84	$27.44	-1.44%
Jan 23, 2025	$36.11	$34.33	-4.93%
Oct 24, 2024	$33.40	$32.96	-1.32%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Amalgamated Bank (AMAL) report earnings?

Amalgamated Bank (AMAL) is schdueled to report earning on Oct 23, 2025, Before Open (Confirmed).

What is Amalgamated Bank (AMAL) earnings time?

Amalgamated Bank (AMAL) earnings time is at Oct 23, 2025, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is AMAL EPS forecast?

AMAL EPS forecast for the fiscal quarter 2025 (Q3) is 0.88.

Become an Expert with TipRanks Premium

What am I Missing?

Make informed decisions based on Top Analysts' activity

Know what industry insiders are buying

Get actionable alerts from top Wall Street Analysts

Find out before anyone else which stock is going to shoot up

Get powerful stock screeners & detailed portfolio analysis

Subscribe Now See Plans & Pricing