COMP <GO>
CASH vs AMAL // EV/EBITDA & P/E VALUATION
Pathward Financial Inc. (NASDAQ) VS. Amalgamated Financial Corp. (NASDAQ) • 15-METRIC TALLY: CASH 4
— AMAL 2
■ METRIC PARITY
LAST: $76.67 (+0.88%) • MKT CAP: $1.59B
valuation
—
LAST: $51.32 (+0.37%) • MKT CAP: $1.53B
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CASH VS. AMAL)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CASH | AMAL | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 21.80% | 13.10% | +8.70 | CASH | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | 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) | 5.30% | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.29% | 1.12% | -0.83 | AMAL | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 4/9 | +2.00 | CASH | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 55.0 | 64.8 | -9.80 | AMAL | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 8.0x | 13.7x | -5.70 | CASH | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.59B | $1.53B | $58.2M | CASH | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CASH REV | AMAL REV | CASH GROSS % | AMAL GROSS % | CASH FCF | AMAL FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $839.9M | $0 | — | — | $438.9M | $134.4M |
| FY 2024 | $797.4M | $0 | — | — | $478.7M | $122.3M |
| FY 2023 | $727.7M | $0 | — | — | $327.9M | $117.2M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CASH // BETA —
AMAL // BETA —