Yahoo Finance report covering Amalgamated Financial Corp. (AMAL) market action, institutional positioning, and fundamental catalysts.
Why AMAL Stock advanced +1.07% Today — RQD Quant Desk Flash
Amalgamated Financial Corp. (AMAL) earns a Roarable Rating of B (Buy) with 72/100 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.
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Is AMAL stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Amalgamated Financial Corp. (NASDAQ: AMAL) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 72/100 at a spot price of $50.60 (+1.07% 1D, market cap $1.51B). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 15/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, AMAL ranks #71 in composite RQD confidence.
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How does AMAL compare to LKFN and TFIN in the Financials sector?
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Within the Financials sector (Major Banks), AMAL carries a Roarable B (72/100 RQD), trailing P/E of 14.7x, gross margin of —, and ROIC of 13.1%. By comparison, LKFN (Lakeland Financial Corporation) holds a C+ grade (66/100 RQD, P/E 14.6x, ROIC 13.6%, cap $1.53B) and TFIN (Triumph Financial Inc.) posts a D- grade (43/100 RQD, P/E 59.9x, ROIC 2.7%, cap $1.53B). Among the 5-stock peer group, TMP leads on earnings multiple (9.1x) while TMP leads on capital efficiency (17.2% ROIC).
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for AMAL?
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Per AMAL's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001823608), Amalgamated Financial Corp. generated $3.73B in revenue (+7.4% YoY), $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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)
SEC XBRL FY 2025 (10-K): 3.6% FCF Margin ($134.4M FCF) & 52% Gross Margin
Macro rate sensitivity & RSI-14 (58.6) create a -8 pt regime headwind
⚔️ Adversarial Opposing Case: Why the AMAL Bull Thesis Could Fail
Even with a 72/100 (B) score, AMAL faces multiple-compression risk if 14.7x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($48.22) or 200D SMA ($44.13) invalidates the momentum regime and cuts Target Base ($53.79) toward Bear Floor ($41.49).
Why AMAL Stock advanced +1.07% Today — RQD Quant Desk Flash
Amalgamated Financial Corp. (AMAL) advanced +1.07% to $50.60, trading at 93% of its 52-week range ($26.61 – $52.3). High-quality cash engine (steady margins, 13% return on capital) with steady institutional support.
- ▸Technical Tape: Trading at 93% of its 52-week range ($26.61 – $52.3) with RSI-14 at 58.6 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±5.2% around $50.60 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable B (Buy) backed by 52% gross margin and $134.4M annual free cash flow.
ChartMill report covering Amalgamated Financial Corp. (AMAL) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Amalgamated Financial Corp. (AMAL) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Amalgamated Financial Corp. (AMAL) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Amalgamated Financial Corp. (AMAL) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Amalgamated Financial Corp. (AMAL) market action, institutional positioning, and fundamental catalysts.
StockStory report covering Amalgamated Financial Corp. (AMAL) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Amalgamated Financial Corp. (AMAL) market action, institutional positioning, and fundamental catalysts.
Get a weekly dividend summary for Champions, Contenders, and Challengers.
The bank has stopped chasing size, pivoting instead to profitability and operating efficiency within its target balance sheet.
Scheduled RQD Strong Buys & Whale Accumulation Briefing (AMAL Tape Review)
- ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
- ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
- ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
AMAL Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +7.4% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on AMAL today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for AMAL. Explore sector supply chains on /butterfly.
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (AMAL)
1. Head-to-Head Financials Peer Comparison (AMAL vs. LKFN, TFIN, TMP, BHRB)
Industry: Major Banks (248 Tracked Issuers)Across 1097 tracked Financials securities in the Roarable RQD universe, Amalgamated Financial Corp. (AMAL) ranks #71 by composite RQD confidence (72/100, grade B) and #483 by equity capitalization ($1.51B). Within this direct 5-issuer industry benchmark cohort, TMP leads on earnings valuation at 9.1x trailing P/E, while TMP leads on capital efficiency and profitability with 17.2% ROIC and — gross margin. AMAL currently leads its immediate peer cohort in composite quantitative strength at 72/100 (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 | 72/100 | 14.7x | — | 13.1% | +1.07% | $1.51B | Benchmark Subject |
| LKFN Lakeland Financial Corporation | C+ | 66/100 | 14.6x | — | 13.6% | +2.91% | $1.53B | /lkfn-vs-amal → |
| TFIN Triumph Financial Inc. | D- | 43/100 | 59.9x | — | 2.7% | +2.96% | $1.53B | /tfin-vs-amal → |
| TMP Tompkins Financial Corporation | C- | 59/100 | 9.1x | — | 17.2% | +1.97% | $1.46B | /tmp-vs-amal → |
| BHRB Burke & Herbert Financial Services Corp. | C | 64/100 | 12.2x | — | 13.7% | +2.23% | $1.45B | /bhrb-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 $3.73B (+7.4% vs. FY2024 revenue of $3.47B , and +736.3% cumulative change since FY2023) , 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 | $3.73B | $104.5M | $135.8M | $134.4M | $8.87B | — |
| FY2024 (FY) | 2024-12-31 | $3.47B | $106.4M | $124.1M | $122.3M | $8.26B | — |
| FY2023 (FY) | 2023-12-31 | $445.5M | $88.0M | $117.2M | $117.2M | — | — |
3. AMAL Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)
✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLEDIs AMAL stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-03, Amalgamated Financial Corp. (NASDAQ: AMAL) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 72/100 at a spot price of $50.60 (+1.07% 1D, market cap $1.51B). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 15/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, AMAL ranks #71 in composite RQD confidence.
How does AMAL compare to LKFN and TFIN in the Financials sector?
Within the Financials sector (Major Banks), AMAL carries a Roarable B (72/100 RQD), trailing P/E of 14.7x, gross margin of —, and ROIC of 13.1%. By comparison, LKFN (Lakeland Financial Corporation) holds a C+ grade (66/100 RQD, P/E 14.6x, ROIC 13.6%, cap $1.53B) and TFIN (Triumph Financial Inc.) posts a D- grade (43/100 RQD, P/E 59.9x, ROIC 2.7%, cap $1.53B). Among the 5-stock peer group, TMP leads on earnings multiple (9.1x) while TMP leads on capital efficiency (17.2% 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 $3.73B in revenue (+7.4% YoY), $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 $50.60 (+1.07% on volume of 183,258 shares), positioning the stock +4.94% above its 50-day simple moving average ($48.22) and +14.66% above its 200-day simple moving average ($44.13). Across its 52-week range of $26.61 to $52.30, AMAL sits at the 93.4% percentile with a 14-day RSI of 58.6 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.2% ($47.97 to $53.23).
AMAL — Amalgamated Financial Corp.: What the Facts Mean to a Prospective Investor
1. Roarable Rating Brief: What This Means to a Prospective Investor
Amalgamated Financial Corp. (AMAL) earns a live Roarable RQD composite score of 72/100, corresponding to a B letter grade (Roarable Buy) at a spot price of $50.60 (+1.07% 1D, market capitalization $1.51B).
- Fundamental Cash Engine (15/20): Anchored by return on invested capital (ROIC) of 13.1%, gross margin of —, operating margin of —, and free cash flow yield of 8.76%.
- Whale 13F & Options Flow (15/20) + Insider Conviction (17/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
- Macro Regime Fit (12/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.
2. Business Model, Unit Margins & SEC Financial Trajectory
. Is a NASDAQ-listed issuer in the Financials sector, operating in the Major Banks industry, with a market capitalization of $1.5B.
In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Amalgamated Financial Corp. (AMAL) reported $3.73B in annual revenue (up from $3.47B in FY2024, +7.4% YoY) and $104.5M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($445.5M revenue, $88.0M net income) through FY2025, AMAL scaled operating cash flow to $135.8M and free cash flow to $134.4M, backed by $8.87B in total assets against $0 in total debt.
3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff
- 🐂 Primary Bull Case (B • RQD 72/100): Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Big institutional funds and options desks are actively positioning on the bullish side. With Fundamental Cash Engine at 15/20 and Institutional Whale Flow at 15/20, sustained execution supports upside toward the upper end of the $26.61 – $52.30 52-week range.
- 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 14.7x trailing P/E against — operating margins and a 1.00x macro beta.
4. 2nd-Order Butterfly Ripples & Key Questions to Watch
Operating in Major Banks (Financials), AMAL carries a macro regime beta of 1.00 and gross margin of —.
- Key Question #1: Can AMAL sustain or expand its — operating margin and 13.1% ROIC against Major Banks peers over the next 4 quarters?
- Key Question #2: Following FY2025 revenue of $3.73B and free cash flow of $134.4M, how will capital allocation balance growth reinvestment against $0 in total debt?
- Key Question #3: How sensitive is AMAL's 13.7x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?
AMAL Live News Feed, Press Releases & Catalyst Wire
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Yahoo Finance report covering Amalgamated Financial Corp. (AMAL) market action, institutional positioning, and fundamental catalysts.
ChartMill report covering Amalgamated Financial Corp. (AMAL) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Amalgamated Financial Corp. (AMAL) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Amalgamated Financial Corp. (AMAL) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Amalgamated Financial Corp. (AMAL) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Amalgamated Financial Corp. (AMAL) market action, institutional positioning, and fundamental catalysts.
StockStory report covering Amalgamated Financial Corp. (AMAL) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Amalgamated Financial Corp. (AMAL) market action, institutional positioning, and fundamental catalysts.
AMAL Bull vs. Bear Conversation Board — What's Your Call at $50.60?
Insider conviction (17/20) and a 13.1% ROIC with an 8.76% FCF yield point to strong cash generation and supportive insider signals.
Long AMAL at $50.07 targeting $63.09. Insider conviction (17/20) and a 13.1% ROIC with an 8.76% FCF yield point to strong cash generation and supportive insider signals.. Institutional whale score is 15/20 and the risk/reward vs. the $26.61 52-week low is skewed heavily in favor of bulls.
@ForensicBear Fair point on 14.7x trailing P/E, but you're ignoring the forward operating leverage in Major Banks. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.
A Piotroski F-Score of 4/9 and an absence of reported revenue, EPS, and debt leave the financial trend and balance sheet largely unveri
Fading this rally in AMAL at $50.07. A Piotroski F-Score of 4/9 and an absence of reported revenue, EPS, and debt leave the financial trend and balance sheet largely unverifiable.. With a beta of 1.0 and the stock sitting at $50.07 (52-wk range $26.61–$52.30), the easy multiple expansion is already priced in.