AMAL Amalgamated Financial Corp.

Overview and Growth

Fiscal 2025 results for Amalgamated Financial Corp. included net income of $104.45M. On a per-share basis, diluted EPS was $3.41, which connects the reported earnings outcome with the company’s diluted share count. The per-share result recorded a 0.9% decrease from fiscal 2024 diluted EPS of $3.44. The diluted weighted-average share count was 30.63M, linking total earnings with the per-share result received by shareholders. Diluted shares moved 1.0% from 30.94M in fiscal 2024, leaving the current share base lower year over year. Total assets stood at $8.87B, defining the scale of the bank’s financial balance sheet and providing the base for evaluating earnings returns, capitalization, liquidity, and its shareholder-capital buffer.

Profitability

The bank reported net income of $104.45M after all recognized revenue, expense, and tax items. Income tax expense totaled $35.71M, providing the reported tax component that separates pretax and after-tax earnings. Net income equaled 13.1% of period-end equity, showing the earnings generated on shareholders’ book capital. Net income represented 1.2% of period-end assets, placing the company’s bottom-line result against the total resource base employed. Current net income of $104.45M was below fiscal 2024 net income of $106.43M, showing the direction of the bottom-line change. For a banking business, profitability is best read through net income together with returns on the asset base and shareholder capital. Return on assets connects earnings to the full financial balance sheet, while return on equity shows the result relative to shareholder capital; together they separate operating scale from capitalization and clarify the relationship between them.

Liquidity and Capital Structure

The company held $8.87B of assets against $8.08B of liabilities and $794.46M of equity, revealing how the asset base was financed. Cash and equivalents totaled $291.22M, identifying the most liquid reported component available within the broader current-asset balance. Equity equaled 9.0% of assets, showing the shareholder-capital layer within the company’s balance sheet. Liabilities represented 91.0% of total assets, quantifying the liability-funded share of the company’s resource base. The cash-to-assets relationship was 3.3%, comparing reported cash and equivalents with the full positive asset balance. The asset base changed 7.4% from $8.26B in fiscal 2024, leaving current total assets higher year over year. Book equity was 12.3% higher than fiscal 2024 equity of $707.65M, showing how shareholder capital changed year over year. Cash and equivalents were 379.4% higher than fiscal 2024 cash of $60.75M, showing the year-over-year change in liquid resources. The mix of equity and liabilities is central to a bank’s resilience because book capital provides the balance sheet’s principal loss-absorbing layer. Reading changes in assets and equity together shows how the bank’s operating scale and book-capital base developed over the year.

Based on the annual report for the fiscal year ending Dec 31, 2025. Analysis generated Oct 21, 2026.