The earnings call reflected a strong performance with significant achievements in deposit and loan growth, earnings per share, and recognition in industry rankings. However, challenges such as loan payoffs, stress in specific portfolios, and increased criticized loans were noted.

Company Guidance

During the Amalgamated Financial Second Quarter 2025 Earnings Call, the company provided several key metrics and guidance for the remainder of the year. The company reported core earnings per share of $0.88, highlighting a strong performance with a net income of $26 million or $0.84 per diluted share, and core net income of $27 million or $0.88 per diluted share. They achieved a net interest income growth of 3.3%, aligning with the guidance range of $72.9 million, and maintained a net interest margin of 3.55%. Despite a slight increase in the cost of deposits to 162 basis points, due to growth in interest-bearing deposits, the bank is optimistic about future margin expansion, expected in the fourth quarter. The company also witnessed a 4.3% increase in on-balance sheet deposits, totaling $7.7 billion. For loan growth, the company saw a $60.8 million increase in their growth mode portfolios, despite a higher rate of loan payoffs and paydowns. The company remains committed to maintaining a core efficiency ratio of approximately 52% despite anticipated upticks in expenses related to infrastructure investments. Looking ahead, Amalgamated Financial is maintaining their full-year 2025 guidance of core pretax pre-provision earnings between $159 million and $163 million, and net interest income between $293 million and $297 million. The company is also targeting a quarterly payout ratio of 20% to 25%, which includes both share repurchases and dividends.

Strong Core Earnings

Amalgamated achieved core earnings per share of $0.88, indicating strong performance and competitiveness among top banks.

Deposit Growth

The bank recognized $209 million in on-balance sheet deposit growth, excluding $112 million in temporary deposits.

Political Deposit Increase

Political deposits increased by $137 million or 13%, reaching $1.2 billion, with an additional $30 million inflow post-Q2.

Loan Portfolio Growth

The loan portfolio grew at a 10% compound annual growth rate, with a notable 22% growth in the PACE portfolio.

Recognition by American Banker

Amalgamated was ranked #38 out of 338 banks in the $2 billion to $10 billion asset range, moving up nearly 50 spots in one year.

Share Repurchase

The bank executed the largest share repurchase in its history, buying back 327,000 shares worth $9.7 million.

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

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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.

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