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Upturn AI SWOT - About
AMAL 
Amalgamated Bank (AMAL)
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Upturn Advisory Summary
06/30/2025: AMAL (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
2 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $35.5
1 Year Target Price $35.5
| 0 | Strong Buy |
| 1 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 27.61% | Avg. Invested days 38 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 965.11M USD | Price to earnings Ratio 9.39 | 1Y Target Price 35.5 |
Price to earnings Ratio 9.39 | 1Y Target Price 35.5 | ||
Volume (30-day avg) 2 | Beta 0.85 | 52 Weeks Range 24.91 - 37.86 | Updated Date 06/29/2025 |
52 Weeks Range 24.91 - 37.86 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 1.77% | Basic EPS (TTM) 3.36 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 34.28% | Operating Margin (TTM) 46.84% |
Management Effectiveness
Return on Assets (TTM) 1.27% | Return on Equity (TTM) 15.41% |
Valuation
Trailing PE 9.39 | Forward PE - | Enterprise Value 942504000 | Price to Sales(TTM) 3.17 |
Enterprise Value 942504000 | Price to Sales(TTM) 3.17 | ||
Enterprise Value to Revenue 3.16 | Enterprise Value to EBITDA - | Shares Outstanding 30589700 | Shares Floating 21443707 |
Shares Outstanding 30589700 | Shares Floating 21443707 | ||
Percent Insiders 24.75 | Percent Institutions 63.53 |
Analyst Ratings
Rating 2 | Target Price 35.5 | Buy 1 | Strong Buy - |
Buy 1 | Strong Buy - | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Amalgamated Bank
Company Overview
History and Background
Amalgamated Bank was founded in 1923 by the Amalgamated Clothing Workers of America to provide banking services to working-class individuals and labor unions. It has evolved into a socially responsible bank focused on serving progressive organizations and individuals.
Core Business Areas
- Commercial Banking: Offers lending, deposit, and cash management services to businesses, nonprofits, and labor unions. Focuses on socially responsible clients.
- Retail Banking: Provides banking services to individuals, including checking and savings accounts, mortgages, and personal loans.
- Investment Management and Trust: Offers investment management and trust services, with a focus on socially responsible investing.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure includes various departments, such as commercial banking, retail banking, investment management, and operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses, nonprofits, and labor unions with a socially responsible focus. Market share data is difficult to precisely pinpoint for this niche category but Amalgamated Bank has a significant footprint in providing services to unions and progressive organizations. Competitors include larger regional banks like Bank of America (BAC) and smaller community banks that cater to specific industries.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and organizations. Competitors include all major national banks like JPMorgan Chase (JPM) and Wells Fargo (WFC), as well as online banks.
- Custodial Services: Offers fiduciary and other custodial services. The total revenue for this offering is not publicly released. Competitors includes larger commercial banks and specialized custodian such as State Street Corporation (STT).
Market Dynamics
Industry Overview
The banking industry is highly competitive and heavily regulated. It is influenced by interest rates, economic conditions, and technological advancements. The shift toward digital banking is a key trend.
Positioning
Amalgamated Bank is positioned as a socially responsible bank, differentiating itself from larger competitors by focusing on ethical and sustainable practices. Their market share is relatively small compared to major national banks, but significant within the progressive and labor-focused niche.
Total Addressable Market (TAM)
The TAM for banking services is enormous, encompassing all individuals and organizations that need financial services. Amalgamated Bank's positioning allows it to capture a segment of the market that values socially responsible banking, aligning with Environmental, Social and Governance (ESG) principles. Estimates for the ESG investing market value is in trillions.
Upturn SWOT Analysis
Strengths
- Strong brand reputation for social responsibility
- Loyal customer base
- Focus on underserved markets
- Experienced management team
Weaknesses
- Smaller size compared to major competitors
- Limited geographic presence
- Reliance on a niche market
- Lower profitability compared to larger banks
Opportunities
- Growing demand for socially responsible banking
- Expansion into new markets
- Partnerships with like-minded organizations
- Increased adoption of digital banking
Threats
- Increased competition from larger banks
- Regulatory changes
- Economic downturns
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- BAC
- JPM
- WFC
- STT
Competitive Landscape
Amalgamated Bank's advantage is its niche focus on socially responsible banking, which attracts a specific customer base. However, it faces stiff competition from larger banks with greater resources and broader product offerings.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been moderate, driven by increased demand for socially responsible banking.
Future Projections: Future growth projections depend on market conditions and the company's strategic initiatives. Analyst estimates need to be consulted to determine growth projections.
Recent Initiatives: Recent initiatives include expanding digital banking services, increasing lending to socially responsible businesses, and forming partnerships with community organizations.
Summary
Amalgamated Bank is a unique institution focused on socially responsible banking, serving a niche market. Its strengths lie in its brand reputation and loyal customer base, but its smaller size and limited geographic presence pose challenges. The bank needs to capitalize on the growing demand for ESG investments and continue to expand digital banking services to maintain its competitive advantage and grow long-term.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
- Industry Reports
Disclaimers:
The information provided is for informational purposes only and should not be construed as investment advice. Market share estimates are approximate and may vary based on the source.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Amalgamated Bank
Exchange NASDAQ | Headquaters New York, NY, United States | ||
IPO Launch date 2018-08-09 | President, CEO & Director Ms. Priscilla Sims Brown | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 429 | Website https://www.amalgamatedbank.com |
Full time employees 429 | Website https://www.amalgamatedbank.com | ||
Amalgamated Financial Corp. operates as the bank holding company for Amalgamated Bank that provides commercial and retail banking, investment management, and trust and custody services in the United States. The company accepts various deposit products, including non-interest-bearing accounts, interest-bearing demand products, savings accounts, money market accounts, NOW accounts, time deposits, and certificates of deposit. It also provides residential real estate mortgage, commercial and industrial, commercial real estate, multifamily mortgage, consumer solar, and consumer and other loans. In addition, the company offers online banking, bill payment, online cash management, safe deposit box rentals, debit card, and ATM card services; and trust, custody, and investment management services, including asset safekeeping, corporate actions, income collections, proxy services, account transition, asset transfers, and conversion management; investment products, such as index and actively-managed funds, which include equity, fixed-income, real estate, and alternative investments; and investment, brokerage, asset management, and insurance products. Amalgamated Financial Corp. was founded in 1923 and is headquartered in New York, New York.
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