Stock Ratings / Financials / AMAL / financials

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Amalgamated Financial Corp. (AMAL) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$51.32 +0.37% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

Amalgamated Financial Corp. (AMAL) earns a Roarable Rating of B- (Buy) with 71/100 RQD Confidence. High-quality cash engine (steady margins, 13% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE B- • BUY Cap $1.53B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERBUY • B-

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B- · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+5.8% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for AMAL)Realized 20D OHLCV Swing Band: ±5.3%

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How AMAL Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$134.4M (3.4% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $4.00B

FY24

Rev $4.00B

FY25

Rev $4.00B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$4.00B	52%	0%	$104.5M	$134.4M	13.1%
FY 2024	$4.00B	52%	0%	$106.4M	$122.3M	13.1%
FY 2023	$4.00B	52%	0%	$88.0M	$117.2M	13.1%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring AMAL)

✓Walkthrough of AMAL's RQD Radar, SEC cash-conversion gap & downside invalidation levels
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AMAL // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +25.54%▲ RESISTANCE BREAKOUT

2026-10-30O $51.34H $51.72L $49.68C $51.32VOL 220.9K

RES: $49.17SUP: $45.28SMA50: $48.10SMA200: $43.89

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

AMAL Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 AMAL Butterfly Map → + Track AMAL →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

6.8%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on AMAL today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for AMAL. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

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DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (AMAL)

Financials Rank #121 of 1096 ⚔️ TFIN vs AMAL Full Matrix →

1. Head-to-Head Financials Peer Comparison (AMAL vs. TFIN, LKFN, CASH, TMP)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Amalgamated Financial Corp. (AMAL) ranks #121 by composite RQD confidence (71/100, grade B-) and #480 by equity capitalization ($1.53B). Within this direct 5-issuer industry benchmark cohort, CASH leads on earnings valuation at 8.6x trailing P/E, while CASH leads on capital efficiency and profitability with 21.8% ROIC and — gross margin. AMAL currently leads its immediate peer cohort in composite quantitative strength at 71/100 (B-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
AMAL ACTIVE Amalgamated Financial Corp.	B-	71/100	14.7x	—	13.1%	+0.37%	$1.53B	Benchmark Subject
TFIN Triumph Financial Inc.	D	48/100	59.9x	—	2.7%	+0.84%	$1.52B	/tfin-vs-amal →
LKFN Lakeland Financial Corporation	C	64/100	14.6x	—	13.6%	+1.03%	$1.51B	/lkfn-vs-amal →
CASH Pathward Financial Inc.	C+	69/100	8.6x	—	21.8%	+0.88%	$1.59B	/cash-vs-amal →
TMP Tompkins Financial Corporation	C-	61/100	9.1x	—	17.2%	+0.53%	$1.46B	/tmp-vs-amal →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001823608

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Amalgamated Financial Corp. (AMAL) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $104.5M, operating cash flow of $135.8M, and free cash flow of $134.4M (+9.9% YoY). On the balance sheet, AMAL closed FY2025 with $8.87B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$104.5M	$135.8M	$134.4M	$8.87B	—
FY2024 (FY)	2024-12-31	$0	$106.4M	$124.1M	$122.3M	$8.26B	—
FY2023 (FY)	2023-12-31	$0	$88.0M	$117.2M	$117.2M	—	—

3. AMAL Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is AMAL stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Amalgamated Financial Corp. (NASDAQ: AMAL) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 71/100 at a spot price of $51.32 (+0.37% 1D, market cap $1.53B). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 10/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, AMAL ranks #121 in composite RQD confidence.

How does AMAL compare to TFIN and LKFN in the Financials sector?

Within the Financials sector (Major Banks), AMAL carries a Roarable B- (71/100 RQD), trailing P/E of 14.7x, gross margin of —, and ROIC of 13.1%. By comparison, TFIN (Triumph Financial Inc.) holds a D grade (48/100 RQD, P/E 59.9x, ROIC 2.7%, cap $1.52B) and LKFN (Lakeland Financial Corporation) posts a C grade (64/100 RQD, P/E 14.6x, ROIC 13.6%, cap $1.51B). Among the 5-stock peer group, CASH leads on earnings multiple (8.6x) while CASH leads on capital efficiency (21.8% ROIC).

What are the biggest fundamental strengths and SEC risk factors for AMAL?

Per AMAL's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001823608), Amalgamated Financial Corp. generated $0 in revenue, $104.5M in net income, and $134.4M in free cash flow against $8.87B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is AMAL trading relative to its 50-day, 200-day, and 52-week technical levels?

AMAL last traded at $51.32 (+0.37% on volume of 282,307 shares), positioning the stock +6.69% above its 50-day simple moving average ($48.10) and +16.93% above its 200-day simple moving average ($43.89). Across its 52-week range of $26.61 to $52.30, AMAL sits at the 96.2% percentile with a 14-day RSI of 58.8 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.3% ($48.60 to $54.04).