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Amalgamated Financial Corp. AMAL Q4 2025 Annual earnings

Reported January 22, 2026 · Before market open

Revenue$87.9MBeat by $2.5M
EPS$0.99Beat by $0.08
Revenue estimate$85.4M
EPS estimate$0.91

Next report

Oct 22, 2026 (In 2 weeks)
Revenue estimate$99.3M
EPS estimate$1.10

Financials

Q4 2025

Income statement

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Revenue$85.2M+9.4%
Net income$26.6M+8.8%
EPS (diluted)$0.88+11.4%

Balance sheet

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Cash & equivalents$291.2M+379%
Total debt$12.3M-37.9%
Total equity$794.5M+12.3%
Total assets$8.9B+7.4%

Cash flow

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Operating cash flow$37.1M+28.1%
Free cash flow$38.0M+34.4%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$958.86M-6.6%
Enterprise value$679.9M-31.0%
P/E9.2×-0.5×
P/S2.9×-0.3×

Profitability

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Net margin31.8%-1.9pp
FCF margin40.9%+2.1pp

Returns & leverage

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Return on equity13.9%-2.6pp
Debt / equity0×0.0×

FAQ

When did Amalgamated Financial Corp. report Q4 2025 earnings?
Amalgamated Financial Corp. (AMAL) reported Q4 2025 earnings on January 22, 2026 before market open.
What were Amalgamated Financial Corp.'s Q4 2025 revenue and EPS?
Amalgamated Financial Corp. reported revenue of $87.9M and eps of $0.99 for Q4 2025.
Did Amalgamated Financial Corp. beat estimates in Q4 2025?
Revenue beat the consensus estimate of $85.4M by $2.5M. EPS beat the consensus estimate of $0.91 by $0.08.
How did Amalgamated Financial Corp.'s Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 12.1% from $78.4M a year earlier and eps grew 10.0% from $0.90.
Where can I find Amalgamated Financial Corp.'s Q4 2025 SEC filings?
You can read the 8-K earnings release (0001823608-26-000003) and the 10-K periodic report (0001823608-26-000048) directly on SEC EDGAR. The filing index links above go to sec.gov.