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STOCKS

Amalgamated Bank (AMAL)

NASDAQ:AMAL

AMAL

Amalgamated Bank

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Amalgamated Bank (AMAL) Ratios

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112 Followers

Amalgamated Bank Ratios

AMAL's free cash flow for Q3 2025 was $0.67. For the 2025 fiscal year, AMAL's free cash flow was decreased by $ and operating cash flow was $0.31. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.09	0.24	0.23	0.32	0.43
Quick Ratio	0.09	0.24	0.23	0.34	0.53
Cash Ratio	0.01	<0.01	0.01	0.01	0.06
Solvency Ratio	0.01	0.01	0.01	0.01	0.43
Operating Cash Flow Ratio	0.02	0.02	0.02	0.02	0.01
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	$ -7.18B	$ -5.80B	$ -5.76B	$ -5.42B	$ 2.34B
Leverage Ratios
Debt-to-Assets Ratio	0.01	0.04	0.04	0.09	0.02
Debt-to-Equity Ratio	0.12	0.47	0.57	1.37	0.24
Debt-to-Capital Ratio	0.10	0.32	0.36	0.58	0.19
Long-Term Debt-to-Capital Ratio	0.09	0.31	0.34	0.56	0.13
Financial Leverage Ratio	11.20	11.67	13.62	15.41	12.56
Debt Service Coverage Ratio	0.85	0.94	0.98	4.62	9.29
Interest Coverage Ratio	1.13	1.22	1.29	6.80	11.37
Debt to Market Cap	0.07	0.31	0.37	0.93	0.16
Interest Debt Per Share	7.10	14.81	14.15	23.27	4.48
Net Debt to EBITDA	-0.18	1.81	1.87	5.63	-2.61
Profitability Margins
Gross Profit Margin	69.09%	70.33%	70.86%	100.00%	100.00%
EBIT Margin	31.26%	33.44%	32.61%	40.59%	34.92%
EBITDA Margin	32.06%	34.69%	34.28%	42.31%	37.31%
Operating Profit Margin	31.24%	33.38%	32.61%	47.58%	34.92%
Pretax Profit Margin	31.26%	33.44%	32.61%	40.59%	34.92%
Net Profit Margin	22.85%	24.45%	23.00%	30.57%	26.14%
Continuous Operations Profit Margin	22.85%	24.45%	23.00%	30.57%	26.14%
Net Income Per EBT	73.10%	73.11%	70.53%	75.33%	74.85%
EBT Per EBIT	100.04%	100.19%	100.00%	85.29%	100.00%
Return on Assets (ROA)	1.18%	1.29%	1.10%	1.04%	0.75%
Return on Equity (ROE)	13.76%	15.04%	15.03%	16.01%	9.39%
Return on Capital Employed (ROCE)	15.32%	13.50%	12.99%	6.86%	5.46%
Return on Invested Capital (ROIC)	11.20%	9.87%	9.16%	-14.46%	-18.49%
Return on Tangible Assets	1.18%	1.29%	1.11%	1.04%	0.75%
Earnings Yield	10.03%	10.40%	10.69%	11.47%	10.15%
Efficiency Ratios
Receivables Turnover	7.85	7.12	6.89	0.00	0.00
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	25.36	21.12	13.24	7.00	4.52
Asset Turnover	0.05	0.05	0.05	0.03	0.03
Working Capital Turnover Ratio	-0.06	-0.08	-0.08	-0.07	-0.06
Cash Conversion Cycle	46.52	51.29	52.95	0.00	0.00
Days of Sales Outstanding	46.52	51.29	52.95	0.00	0.00
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	46.52	51.29	52.95	0.00	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	4.23	4.06	3.84	4.78	2.27
Free Cash Flow Per Share	4.13	4.00	3.79	4.73	2.19
CapEx Per Share	0.10	0.06	0.05	0.05	0.08
Free Cash Flow to Operating Cash Flow	0.98	0.99	0.99	0.99	0.97
Dividend Paid and CapEx Coverage Ratio	6.49	7.75	8.49	11.44	5.70
Capital Expenditure Coverage Ratio	42.95	69.90	79.37	88.32	29.44
Operating Cash Flow Coverage Ratio	1.41	0.37	0.35	0.21	0.53
Operating Cash Flow to Sales Ratio	0.29	0.28	0.31	0.55	0.35
Free Cash Flow Yield	12.32%	11.94%	14.06%	20.51%	13.06%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	9.93	9.62	9.36	8.71	9.85
Price-to-Sales (P/S) Ratio	2.25	2.35	2.15	2.66	2.58
Price-to-Book (P/B) Ratio	1.31	1.45	1.41	1.40	0.93
Price-to-Free Cash Flow (P/FCF) Ratio	8.09	8.37	7.11	4.87	7.65
Price-to-Operating Cash Flow Ratio	7.96	8.25	7.02	4.82	7.39
Price-to-Earnings Growth (PEG) Ratio	-16.79	0.46	1.03	0.16	0.66
Price-to-Fair Value	1.31	1.45	1.41	1.40	0.93
Enterprise Value Multiple	6.85	8.59	8.15	11.93	4.29
Enterprise Value	986.58M	1.30B	1.07B	1.34B	324.29M
EV to EBITDA	6.87	8.59	8.15	11.93	4.29
EV to Sales	2.20	2.98	2.79	5.05	1.60
EV to Free Cash Flow	7.91	10.61	9.23	9.23	4.76
EV to Operating Cash Flow	7.73	10.46	9.12	9.13	4.60
Tangible Book Value Per Share	25.24	22.66	18.66	15.99	222.76
Shareholders’ Equity Per Share	25.70	23.14	19.15	16.51	18.12
Tax and Other Ratios
Effective Tax Rate	0.27	0.27	0.29	0.25	0.25
Revenue Per Share	14.84	14.23	12.52	8.65	6.51
Net Income Per Share	3.39	3.48	2.88	2.64	1.70
Tax Burden	0.73	0.73	0.71	0.75	0.75
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.22	0.22	0.23	0.29	0.44
Stock-Based Compensation to Revenue	0.01	0.01	0.01	0.01	<0.01
Income Quality	1.25	1.17	1.33	1.81	1.33

Currency in USD