AMAL Valuation

Amalgamated Financial Corp

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28.370

-0.1(-0.351%)1D

Overview
Forecast
Valuation
Earnings

AMAL Relative Valuation

AMAL's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, AMAL is overvalued; if below, it's undervalued.

Historical Valuation

Amalgamated Financial Corp (AMAL) is now in the Undervalued zone, suggesting that its current forward PE ratio of 7.60 is considered Undervalued compared with the five-year average of 8.26. The fair price of Amalgamated Financial Corp (AMAL) is between 28.55 to 36.93 according to relative valuation methord. Compared to the current price of 28.53 USD , Amalgamated Financial Corp is Undervalued By 0.05%.

Relative Value

Fair Zone

28.55-36.93

Current Price：28.53

0.05%

Undervalued

7.61

Trailing

Forward

0.00

EV/EBITDA

Amalgamated Financial Corp. (AMAL) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

0.00

EV/EBIT

Amalgamated Financial Corp. (AMAL) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.

2.48

Amalgamated Financial Corp. (AMAL) has a current PS of 2.48. The 5-year average PS is 2.39. The thresholds are as follows: Strongly Undervalued below 1.54, Undervalued between 1.54 and 1.97, Fairly Valued between 2.82 and 1.97, Overvalued between 2.82 and 3.25, and Strongly Overvalued above 3.25. The current Forward PS of 2.48 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

Amalgamated Financial Corp. (AMAL) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Amalgamated Financial Corp. (AMAL) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Amalgamated Financial Corp (AMAL) has a current Price-to-Book (P/B) ratio of 1.15. Compared to its 3-year average P/B ratio of 1.28 , the current P/B ratio is approximately -10.76% higher. Relative to its 5-year average P/B ratio of 1.15, the current P/B ratio is about -0.46% higher. Amalgamated Financial Corp (AMAL) has a Forward Free Cash Flow (FCF) yield of approximately 13.98%. Compared to its 3-year average FCF yield of 17.18%, the current FCF yield is approximately -18.64% lower. Relative to its 5-year average FCF yield of 15.76% , the current FCF yield is about -11.29% lower.

1.15

P/B

Median3y

1.28

Median5y

1.15

14.21

FCF Yield

Median3y

17.18

Median5y

15.76

Competitors Valuation Multiple

The average P/S ratio for AMAL's competitors is 2.87, providing a benchmark for relative valuation. Amalgamated Financial Corp Corp (AMAL) exhibits a P/S ratio of 2.48, which is -13.75% above the industry average. Given its robust revenue growth of 0.58%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

AMAL.O

Amalgamated Financial Corp

Univest Financial Corp

Burke & Herbert Financial Services Corp

First Mid Bancshares Inc

Southside Bancshares Inc

Performance Decomposition

Market capitalization of AMAL decreased by 13.69% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 73.62M to 74.05M.

The secondary factor is the Margin Expansion, contributed -3.41%to the performance.

Overall, the performance of AMAL in the past 1 year is driven by Revenue Growth. Which is more sustainable.

0.58%

73.62M → 74.05M

Revenue Growth

-3.41%

36.34 → 35.10

Margin Expansion

-10.86%

9.56 → 8.52

P/E Change

-13.69%