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Amalgamated Bank(AMAL)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for AMAL
10/28/2026: AMAL (5-star) is a STRONG-BUY. BUY for 3 days. Simulated Profits (0.49%). Updated daily EoD!
Amalgamated Bank is a mission-driven commercial bank known for providing tailored financial services to unions, non-profits, and socially responsible organizations. The bank’s primary strength lies in its unique brand identity and long-standing relationships within these niche sectors, which foster significant customer loyalty. Its growth story centers on leveraging this specialized expertise to expand its ESG-integrated investment platform and digital retail offerings. However, the company faces material risks, including intense competition from larger national banks with superior technological scale and sensitivity to interest rate fluctuations. Amalgamated Bank may best suit value-oriented or income-focused investors who value the bank’s ethical alignment and dividend stability.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers moderate growth potential linked to niche expansion rather than explosive market capture. |
| Momentum investor | Weak fit | The stock typically exhibits lower volatility and lacks the high-velocity price action favored by momentum strategies. |
| Value investor | Strong fit | The bank is often priced based on fundamental book value and earnings, appealing to investors seeking sustainable regional bank valuations. |
| Dividend investor | Strong fit | The regular dividend payout provides consistent income for investors seeking stability in the financial sector. |
| Low-risk investor | Strong fit | Amalgamated's conservative business model and niche positioning make it suitable for risk-averse financial sector exposure. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Financial stocks can be susceptible to broader market sentiment and interest rate changes. |
| Valuation risk | Low | The stock generally trades at multiples reflective of its regional bank peers. |
| Competition risk (banking sector) | High | Large national players with vast resources compete directly for the same institutional client base. |
| Business quality | Medium | The niche mission-driven model is a strong franchise, though it limits the overall addressable customer size. |
| Dividend income | Medium | Dividend reliability depends on the continued stability of net interest income. |
| Execution risk | Medium | Successfully scaling the niche business model requires balancing growth with prudent risk management. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 74.42% | Avg. Invested days 48 | Today’s Advisory Strong Buy |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 10/28/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.54B USD | Price to earnings Ratio 13.71 | 1Y Target Price 56 |
Price to earnings Ratio 13.71 | 1Y Target Price 56 | ||
Volume (30-day avg) 258.1K shares | Beta 0.81 | 52 Weeks Range 26.30 - 51.87 | Updated Date 10/27/2026 |
52 Weeks Range 26.30 - 51.87 | Updated Date 10/27/2026 | ||
Dividends yield (FY) 0.33% | Basic EPS (TTM) 3.75 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans to unions, non-profits, and consumers minus interest paid on deposits. | The bank makes most of its money from the difference between what it charges for loans and what it pays customers for their deposits. |
| Fee-Based Services | Treasury management fees, trust and investment management fees, and deposit service charges. | Non-interest income provides a stable revenue stream that helps buffer the bank against interest rate volatility. |
Earnings Date
Report Date 2026-10-22 | When Before Market | Estimate 1.08 | Actual 1.14 |
Profitability
Profit Margin 35% | Operating Margin (TTM) 51.46% |
Management Effectiveness
Return on Assets (TTM) 1.34% | Return on Equity (TTM) 15.3% |
Valuation
Trailing PE 13.71 | Forward PE - | Enterprise Value 1.34B | Price to Sales(TTM) 4.37 |
Enterprise Value 1.34B | Price to Sales(TTM) 4.37 | ||
Enterprise Value to Revenue 4.27 | Enterprise Value to EBITDA - | Shares Outstanding 29.90M | Shares Floating 21.10M |
Shares Outstanding 29.90M | Shares Floating 21.10M | ||
Percent Insiders 37.23 | Percent Institutions 60.95 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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