AMALAmalgamated Financial Corp.
State Commercial Banks
- Revenue
- —
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- −$168M net debt
- AI in 10-K
- —
Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear130% of net incomeCash flow under 80% of net income
- Dilutive SBCClear—Over 10% of revenue
- Payouts exceed cash flowClear36% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear0% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Net income | $53M | $81M | $88M | $106M | $104M | 1.9% |
| Operating cash flow | $71M | $147M | $117M | $124M | $136M | 9.4% |
| Capex | $2M | $2M | $1M | $2M | $1M | 22% |
| Stock-based comp | $2M | $3M | $5M | $6M | $7M | 25% |
| Buybacks | $3M | $12M | $8M | $1M | $32M | 2762% |
| Dividends | $10M | $11M | $12M | $14M | $17M | 21% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $0 · 0
- Open-market sells, 12 mo
- $70M · 30
- Net
- −$70M
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2025 | — | — | 256 | 153 |
| FY2024 | — | — | 262 | 143 |
| FY2023 | — | — | 208 | 127 |
| FY2022 | — | — | 174 | 127 |
| FY2021 | — | — | 124 | 137 |