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Amalgamated Financial Corp. (AMAL) Stock Analysis

Range Bound setup

HoldVALUE-TRAP 1/5Moderate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $41.14, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Weak overall score: 5.0/10.

Amalgamated Financial Corp. operates as the bank holding company for Amalgamated Bank that provides commercial and retail banking, investment management, and trust and custody services in the United States. It accepts various deposit products, including non-interest-bearing... Read more

$41.14+4.8% A.UpsideScore 5.0/10#135 of 142 Banks - Regional
Stop $38.28Target $43.13(resistance)A.R:R -0.4:1
Analyst target$46.00+11.8%2 analysts
$43.13our TP
$41.14price
$46.00mean
$48

Hold if already holding. Not a fresh buy at $41.14, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Weak overall score: 5.0/10. Chart setup: RSI 44 mid-range, Bollinger mid-band. Multiple concerning factors. Consider reducing position. | News modifier +2 (SELL_IF_HOLDING → HOLD_IF_HOLDING) Score 5.0/10, moderate confidence.

Passes 4/6 gates (clean insider activity, no SEC red flags, earnings proximity 83d clear, semi cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: aggressive.

Thesis

Rewards
Strong earnings beat streak (3/4)
Positive news sentiment (+0.67)
Attractive valuation
Risks
Analyst target reached - limited upside remaining
Weak overall score: 5.0/10
Weak growth

Key Metrics

P/E (TTM)11.8
P/E (Fwd)8.9
Mkt Cap$1.2B
EV/EBITDA
Profit Mgn33.1%
ROE13.6%
Rev Growth4.7%
Beta0.82
Dividend1.54%
Rating analysts8

Quality Signals

Piotroski F7/9

Options Flow

P/C0.67bullish
IV70%elevated
Max Pain$30-27.1% vs spot

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

2 floor-breakers

Momentum below the gate floor. Component breakdown shows what dragged the score down.static

Macd
0.0
Volume
0.0
Obv
1.0
Rsi
5.5
Ma Position
6.0
Volume distribution (falling OBV)Above 200-day MA

Growth below the gate floor. Component breakdown shows what dragged the score down.static

Earnings Growth
2.7
Revenue Growth
3.7
GatesMomentum 2.5<4.5A.R:R -0.4=NEGATIVEInsider activity: OKNo SEC red flagsEARNINGS PROXIMITY 83d clearSEMI CYCLE PEAK CLEARRange BoundSuitability: Aggressive
RSI
44 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $36.40Resistance $44.01

Price Targets

$38
$43
A.Upside+4.8%
A.R:R-0.4:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeCautious

Risk Alerts

! Target reached (-5.0% upside)
! NEWS_MOD=+2: SELL_IF_HOLDING → HOLD_IF_HOLDING
! Momentum score 2.5/10 — below 4.5 minimum

Earnings

B
B
B
M
3/4 beats
Next Earnings2026-07-23 (83d)

Verdict History

reverse chrono — latest first
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Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is AMAL stock a buy right now?

Hold if already holding. Not a fresh buy at $41.14, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Weak overall score: 5.0/10. Chart setup: RSI 44 mid-range, Bollinger mid-band. Multiple concerning factors. Consider reducing position. | News modifier +2 (SELL_IF_HOLDING → HOLD_IF_HOLDING) Target $43.13 (+4.8%), stop $38.28 (−7.5%), A.R:R -0.4:1. Score 5.0/10, moderate confidence.

What is the AMAL stock price target?

Take-profit target: $43.13 (+4.8% upside). Target $43.13 (+4.8%), stop $38.28 (−7.5%), A.R:R -0.4:1. Stop-loss: $38.28.

What are the risks of investing in AMAL?

Analyst target reached - limited upside remaining; Weak overall score: 5.0/10; Weak growth.

Is AMAL overvalued or undervalued?

Amalgamated Financial Corp. trades at a P/E of 11.8 (forward 8.9). TrendMatrix value score: 7.3/10. Verdict: Hold.

What do analysts say about AMAL?

8 analysts cover AMAL with a consensus score of 4.0/5. Average price target: $46.

What does Amalgamated Financial Corp. do?Amalgamated Financial Corp. operates as the bank holding company for Amalgamated Bank that provides commercial and...

Amalgamated Financial Corp. operates as the bank holding company for Amalgamated Bank that provides commercial and retail banking, investment management, and trust and custody services in the United States. It accepts various deposit products, including non-interest-bearing accounts, interest-bearing demand products, savings accounts, money market accounts, NOW accounts, time deposits, and certificates of deposit. The company also provides commercial and industrial, multifamily mortgage, commercial real estate, residential real estate mortgage, consumer solar, and consumer and other loans. In addition, it offers online banking, bill payment, online cash management, safe deposit box rentals, debit card, and ATM card services; and trust, custody, and investment management services, including asset safekeeping, corporate actions, income collections, proxy services, account transition, asset transfers, and conversion management. Further, the company provides investment products, such as index and actively-managed funds, which include equity, fixed-income, real estate, and alternative investments; and investment, brokerage, asset management, and insurance products, as well as lending services. Amalgamated Financial Corp. was founded in 1923 and is headquartered in New York, New York.

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