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Amalgamated Financial Corp. AMAL Capital Conservation Buffer

Capital Conservation Buffer at other companies

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Customers BancorpCUBI
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International BancsharesIBOC

Other financials

Income statement

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Revenue$93.4M+21.4%
Net income$25.2M+0.8%
EPS (diluted)$0.84+3.7%

Balance sheet

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Cash & equivalents$179.7M+174%
Total debt$11.5M-33.0%
Total equity$807.6M+9.7%
Total assets$9.2B+10.7%

Cash flow

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Operating cash flow$56.8M+65.9%
CapEx$6.1M+247%
Free cash flow$50.7M+56.2%

Valuation

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Market cap$1.36B+48.1%
Enterprise value$1.19B+37.0%
P/E13×+4.2×
P/S3.9×+1.0×

Profitability

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Net margin30.3%-2.8pp
FCF margin44.2%+4.9pp

Returns & leverage

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Return on equity13.6%-1.8pp
Debt / equity0.0×

Where this comes from

Reported directly by Amalgamated Financial Corp. in its filing.

Tagged under the XBRL concept us-gaap:CapitalRequiredForCapitalAdequacyToRiskWeightedAssets.

The official record: Amalgamated Financial Corp.’s 10-K, filed March 5, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Amalgamated Financial Corp.'s capital conservation buffer?
Amalgamated Financial Corp. (AMAL) reported capital conservation buffer of $0.08 in Q4 2025.
How has Amalgamated Financial Corp.'s capital conservation buffer changed year-over-year?
Amalgamated Financial Corp.'s capital conservation buffer decreased by 0.0% year-over-year, from $0.08 to $0.08.
What is the long-term trend for Amalgamated Financial Corp.'s capital conservation buffer?
Over 5 years (2020 to 2025), Amalgamated Financial Corp.'s capital conservation buffer has grown at a 0.0% compound annual growth rate (CAGR), from $0.08 to $0.08.
What does capital conservation buffer mean?
The capital conservation buffer is an additional layer of high-quality capital that banks are required to hold above minimum regulatory requirements. It is designed to be drawn down during periods of economic stress to absorb losses while allowing the bank to continue lending. This metric reflects the institution's resilience and capacity to withstand adverse market conditions.