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Amalgamated Bank (AMAL)
NASDAQ:AMAL
US Market

Amalgamated Bank (AMAL) Ratios

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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 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
0.62 0.23 0.32 0.43 0.34
Quick Ratio
0.62 0.23 0.34 0.53 0.39
Cash Ratio
0.01 0.01 0.01 0.06 <0.01
Solvency Ratio
0.01 0.01 0.01 0.43 1.01
Operating Cash Flow Ratio
0.02 0.02 0.02 0.01 0.01
Short-Term Operating Cash Flow Coverage
8.91 0.00 0.00 0.00 0.00
Net Current Asset Value
$ -3.06B$ -5.76B$ -5.42B$ 2.34B$ 1.55B
Leverage Ratios
Debt-to-Assets Ratio
0.01 0.04 0.09 0.02 <0.01
Debt-to-Equity Ratio
0.12 0.57 1.37 0.24 0.10
Debt-to-Capital Ratio
0.10 0.36 0.58 0.19 0.09
Long-Term Debt-to-Capital Ratio
0.09 0.34 0.56 0.13 0.00
Financial Leverage Ratio
11.20 13.62 15.41 12.56 11.16
Debt Service Coverage Ratio
0.77 0.98 4.62 9.29 5.13
Interest Coverage Ratio
1.13 1.29 6.80 11.37 5.91
Debt to Market Cap
0.09 0.37 0.93 0.16 0.00
Interest Debt Per Share
7.10 14.15 23.27 4.48 2.04
Net Debt to EBITDA
-0.18 1.87 5.63 -2.61 0.21
Profitability Margins
Gross Profit Margin
69.09%70.86%100.00%100.00%100.00%
EBIT Margin
31.24%32.61%40.59%34.92%29.05%
EBITDA Margin
32.06%34.28%42.31%37.31%32.60%
Operating Profit Margin
31.24%32.61%47.58%34.92%29.05%
Pretax Profit Margin
31.26%32.61%40.59%34.92%29.05%
Net Profit Margin
22.85%23.00%30.57%26.14%21.66%
Continuous Operations Profit Margin
22.85%23.00%30.57%26.14%21.66%
Net Income Per EBT
73.10%70.53%75.33%74.85%74.57%
EBT Per EBIT
100.04%100.00%85.29%100.00%100.00%
Return on Assets (ROA)
1.18%1.10%1.04%0.75%0.77%
Return on Equity (ROE)
13.76%15.03%16.01%9.39%8.62%
Return on Capital Employed (ROCE)
15.32%12.99%6.86%5.46%4.97%
Return on Invested Capital (ROIC)
-3.60%9.16%-14.46%-18.49%-4.54%
Return on Tangible Assets
1.18%1.11%1.04%0.75%0.77%
Earnings Yield
10.32%10.69%11.47%10.15%10.80%
Efficiency Ratios
Receivables Turnover
7.85 6.89 0.00 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 13.24 7.00 4.52 4.34
Asset Turnover
0.05 0.05 0.03 0.03 0.04
Working Capital Turnover Ratio
-0.09 -0.08 -0.07 -0.06 -0.08
Cash Conversion Cycle
46.52 52.95 0.00 0.00 0.00
Days of Sales Outstanding
46.52 52.95 0.00 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 52.95 0.00 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
4.23 3.84 4.78 2.27 2.11
Free Cash Flow Per Share
4.13 3.79 4.73 2.19 2.06
CapEx Per Share
0.10 0.05 0.05 0.08 0.05
Free Cash Flow to Operating Cash Flow
0.98 0.99 0.99 0.97 0.98
Dividend Paid and CapEx Coverage Ratio
6.49 8.49 11.44 5.70 5.67
Capital Expenditure Coverage Ratio
42.95 79.37 88.32 29.44 40.80
Operating Cash Flow Coverage Ratio
1.41 0.35 0.21 0.53 1.24
Operating Cash Flow to Sales Ratio
0.29 0.31 0.55 0.35 0.31
Free Cash Flow Yield
12.67%14.06%20.51%13.06%15.00%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
9.67 9.36 8.71 9.85 9.26
Price-to-Sales (P/S) Ratio
2.19 2.15 2.66 2.58 2.01
Price-to-Book (P/B) Ratio
1.28 1.41 1.40 0.93 0.80
Price-to-Free Cash Flow (P/FCF) Ratio
7.87 7.11 4.87 7.65 6.67
Price-to-Operating Cash Flow Ratio
7.75 7.02 4.82 7.39 6.50
Price-to-Earnings Growth (PEG) Ratio
-16.34 1.03 0.16 0.66 -13.80
Price-to-Fair Value
1.28 1.41 1.40 0.93 0.80
Enterprise Value Multiple
6.66 8.15 11.93 4.29 6.36
Enterprise Value
958.44M 1.07B 1.34B 324.29M 442.17M
EV to EBITDA
6.68 8.15 11.93 4.29 6.36
EV to Sales
2.14 2.79 5.05 1.60 2.07
EV to Free Cash Flow
7.69 9.23 9.23 4.76 6.89
EV to Operating Cash Flow
7.51 9.12 9.13 4.60 6.72
Tangible Book Value Per Share
25.24 18.66 15.99 222.76 189.74
Shareholders’ Equity Per Share
25.70 19.15 16.51 18.12 17.21
Tax and Other Ratios
Effective Tax Rate
0.27 0.29 0.25 0.25 0.25
Revenue Per Share
14.84 12.52 8.65 6.51 6.85
Net Income Per Share
3.39 2.88 2.64 1.70 1.48
Tax Burden
0.73 0.71 0.75 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
0.18 0.23 0.29 0.44 0.39
Stock-Based Compensation to Revenue
0.01 0.01 0.01 <0.01 0.01
Income Quality
1.25 1.33 1.81 1.33 1.42
Currency in USD