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Stock Ratings / Financials / AMAL / options
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Amalgamated Financial Corp. (AMAL) Options Positioning, Max Pain & Unusual Sweeps

$50.60 +1.07% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $50.82

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.

ROARABLE B • BUY Cap $1.51B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on AMAL Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) 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.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) 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).

✓ Pre-computed one-to-many AI Quant brief
🤖 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.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $50.82 (+0.43%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 3.6% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 72/100 (B) historically ranked in the Top 13% of excess returns over the next 90 days (+7.0% avg 90D alpha vs SPY • 68.7% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERBUY • B
025507510072
2-of-3 Quant Analysts 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 RQD RADARRw B+ · Rk C
Cash (15)Whales (15)SEC (13)Macro (12)CEO (17)
Each axis scored 0–20
12M PRICE TARGET CONE+6.3% Base Target
$63 Bull$54 Base$41 Bear
📬 FREE AMAL RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for AMAL)Realized 20D OHLCV Swing Band: ±5.2%
Deterministic 5-Pillar Attribution (72/100 Composite)
🔍 WHY AMAL SCORES 72/100 (B) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+15/20 pts (21% of score)

SEC XBRL FY 2025 (10-K): 3.6% FCF Margin ($134.4M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Macro Regime Fit12/20 pts (-8 pt drag)

Macro rate sensitivity & RSI-14 (58.6) create a -8 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
64
Grade C+$46.52+2.8% Next Q
Q2 (-2Q)
67
Grade B-$47.82+6.9% Next Q
Q3 (-1Q)
69
Grade B-$51.13-1% Next Q
Current
72
Grade B$50.60+7% Hist 90D α
Trajectory: C+ (64) → B (72)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the AMAL Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

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.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

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).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $AMAL• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “AMAL Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 72%NO 28%Trade / Inspect Odds →
CALL VS. PUT WHALE SHARE
— (No Active Options Snapshot)
Put/Call Ratio: — (No Active Options Snapshot)
MAX-PAIN EXPIRATION MAGNET
— (No Active Options Snapshot)
No active options chain max-pain snapshot on file
HISTORICAL 20D VOLATILITY SWING
±5.2%
Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (AMAL)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for AMAL.

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Whale Flow & Momentum Playbook: Evaluating AMAL & AI Leaders Without Chasing Tops

  • ✓Institutional whale strikes & implied earnings move audit on AMAL
  • ✓How disciplined traders manage risk using pre-published trigger & invalidation levels
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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AMAL // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +22.37%📐 HORIZONTAL RANGE
2026-11-04O $50.06H $50.60L $50.06C $50.60VOL 183.3K
RES: $52.52SUP: $45.31SMA50: $48.22SMA200: $44.13
$53.64$48.10$42.56$37.03$31.49RES $52.52SUP $45.31$50.602026-05-052026-06-182026-08-052026-09-212026-11-04
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

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

Reverse-DCF Expectations Hurdle
6.8%/yr Implied 5Y Growth

vs. +7.4% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

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
🎬 No recent verified company-specific video clip queued for AMAL today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

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

Financials Rank #71 of 1097 ⚔️ LKFN vs AMAL Full Matrix →

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 ENABLED

Is 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).

Direct Sub-Reports: AMAL RQD Cockpit AMAL 12M Forecast AMAL Earnings & Move AMAL Dividends & DRIP AMAL Insiders & 13F AMAL Whale Options AMAL Profit Sankey AMAL News & Why
ROARABLE RATING BRIEF • RQD 72/100 (B) ✓ SEC XBRL & RQD VERIFIED

AMAL — Amalgamated Financial Corp.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

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

Real-time company headlines, analyst actions, and sector developments for Amalgamated Financial Corp. (AMAL) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to AMAL Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

AMAL Bull vs. Bear Conversation Board — What's Your Call at $50.60?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON AMAL 🐻 33% BEARISH CONVICTION
1. Pick Your Side on AMAL:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeltaGamma_99 RQD DEBATE OPENER • Options Flow Specialist 🐂 BULLISH 🎯 Target: $63.09 (+26.0%)
📌 Pinned Debate

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.

ArenaChamp_24 🐂 BULL

@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.

FO ForensicBear RQD DEBATE OPENER • 10-K Footnote Auditor 🐻 BEARISH 🎯 Target: $42.56 (-15.0%)
Spot @ $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 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.

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