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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 3 months)
Revenue estimate$96.2M
EPS estimate$1.08

Financials

Q4 2025

Income statement

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

Balance sheet

See full
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

See full
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

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

Returns & leverage

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

Versus estimates

Revenue

Q2 2026$96.1MBeat by $4.0MQ1 2026$91.4MBeat by $1.6M
Q4 2025$87.9MBeat by $2.5M
Q3 2025$85.0MMiss by $1.3MQ2 2025$80.9MMiss by $1.6MQ1 2025$79.5MMiss by $3.0M

Diluted EPS

Q2 2026$1.10Beat by $0.10Q1 2026$0.80Miss by $0.15
Q4 2025$0.99Beat by $0.08
Q3 2025$0.91Beat by $0.03Q2 2025$0.88Miss by $0.02Q1 2025$0.88In line

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Questions, answered.

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.