The mission-based banking model and focus on purpose-driven customers in specific sectors is enhancing deposit growth and net interest income. Amalgamated Financial continues to grow its balance sheet, with impressive deposit and loan growth, and declining debt levels.
Cyborg Score Rationale
The company reported strong quarterly earnings of $0.99 EPS, beating consensus by $0.08, with revenue of $87.91 million and net margin of 23.05%. However, rising competition from fintech and regulatory pressures threaten growth, and high exposure to commercial real estate raises credit concentration risks.
Top Insights
Company announced a 21% quarterly dividend increase in February 2026
Market cap of $1.16 billion with favorable PE ratio of 11.34
Operates as a Delaware public benefit corporation combining banking with explicit public benefit purpose
Stock underperformed both US Banks industry (18.6%) and S&P 500 (14%) over the past year
Named Competitors
Regional Banking Services — Large national banks offering comprehensive financial services
Digital Banking — Tech-enabled alternatives disrupting traditional banking