COMP <GO>
AMAL vs CASH // REVENUE GROWTH (YOY)
Amalgamated Financial Corp. (NASDAQ) VS. Pathward Financial Inc. (NASDAQ) • 15-METRIC TALLY: AMAL 2
— CASH 4
■ METRIC PARITY
LAST: $50.07 (-2.44%) • MKT CAP: $1.53B
revenue-growth
—
LAST: $75.31 (-1.77%) • MKT CAP: $1.59B
revenue-growth
5.30%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (AMAL VS. CASH)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | AMAL | CASH | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 13.10% | 21.80% | -8.70 | CASH | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 8.76% | — | — | TIE | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | 22.10% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) ACTIVE | — | 5.30% | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.12% | 0.29% | +0.83 | AMAL | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 6/9 | -2.00 | CASH | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 64.8 | 55.0 | +9.80 | AMAL | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 13.7x | 8.0x | +5.70 | CASH | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.53B | $1.59B | -$58.2M | CASH | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | AMAL REV | CASH REV | AMAL GROSS % | CASH GROSS % | AMAL FCF | CASH FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $839.9M | — | — | $134.4M | $438.9M |
| FY 2024 | $0 | $797.4M | — | — | $122.3M | $478.7M |
| FY 2023 | $0 | $727.7M | — | — | $117.2M | $327.9M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
AMAL // BETA —
CASH // BETA —