AMAL at a glance
Amalgamated Financial Corp. (AMAL, SEC CIK 1823608) filed its latest 10-K annual report on March 5, 2026, a 10-Q quarterly report on August 4, 2026, an 8-K current report on July 23, 2026 and Form 4 insider filings as recently as October 5, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), Amalgamated Financial Corp. (AMAL) reported revenue of $422.2 million (up 5.2% from FY2024) and net income of $104.4 million. Diluted EPS was $3.41.
- As of June 30, 2026, 28 institutional investment managers tracked by SignalX reported holding Amalgamated Financial Corp. (AMAL) shares worth $394.6 million in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by Brown Sam D. on October 1, 2026 of 148 shares at $46.53 per share.
- In the last 90 days, AMAL insiders reported 0 open-market purchases ($0) and 40 open-market sales ($83.2M) on Form 4, a net sale of $83.2M.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $422.2M
- +5.2% vs prior year
- Insiders · 90 days
- 0 buys · 40 sells
- Net −$83.2M
- 13F holders
- 28 funds
- $394.6M · +1 vs prior quarter
- Latest 8-K
- Jul 23, 2026
- Item 7.01 · Item 2.02
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business: Full-service commercial bank focused on values-based commercial and retail banking, investment management, trust and custody, and specialty lending
- New marketing agreement with Embrace Home Loans initiated February 2026 for residential loan referrals supporting broader strategic focus
- Strategic emphasis on being America’s socially responsible bank with leadership in climate finance and net zero targets validated by SBTi
- Assets under custody $38.63B, assets under management $16.63B as of December 31, 2025, with investment/trust fees of $16.2M in 2025 versus $15.2M in 2024
- Deposits growth CAGR 5.8% over 5 years to $7.75B core deposits, with 41% non-interest-bearing accounts and low average cost of 160 basis points
Risk Factors
- U.S. Supreme Court ruling limiting President’s tariff powers under International Emergency Economic Powers Act, creating tariff enforcement uncertainty
- 82.4% of CRE, multifamily, and construction loan collateral concentrated in NY, CA, and Washington, D.C., exposing to regional social unrest and terrorist risks
- Heavily invested in GSE securities, exposed to liquidity and credit risks from potential U.S. government debt default or credit rating downgrades
- Majority real estate-secured loans with 33.2% multifamily and 7.3% commercial exposure risk losses if real estate values decline
- Interest rate risk amid FOMC maintaining 3.5%-3.75% range, potential net interest margin compression from asset-liability repricing mismatches
Management Discussion & Analysis
- Revenue: Net interest income $297.8M in 2025, up $15.4M (5.4%) YoY from $282.4M in 2024
- Profitability: Net interest margin 3.59% in 2025 vs 3.51% in 2024; net interest spread 2.48% vs 2.14%
- Best segment: Loans grew to $4.72B with 5.10% yield; largest contributor to net interest income growth
- Worst segment: Service charges on deposit accounts declined by $14.8M, reducing non-interest income to $30.9M from $33.2M
- Cash flow/capex: No explicit capex, buyback, or dividend details disclosed in provided text
- Forward outlook: Management highlights macroeconomic uncertainty affecting credit losses; adverse scenario increases reserves by ~3% due to higher unemployment and lower GDP
AI summary of the AMAL 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Net income $34.8M, up $8.8M from $26.0M YoY
- Net interest margin 3.78% vs 3.55%; net interest income $86.1M vs $72.9M
- Best-performing line: service charges $6.9M vs $3.9M; trust fees $4.2M vs $3.9M
- Provision for credit losses $4.4M vs $4.9M, driven by consumer solar and C&I charge-offs
- Six-month headwind: $10.3M specific reserves on $78.0M multifamily loans after expected default
Risk Factors
- No material changes to risk factors disclosed in the December 31, 2025 Form 10-K
- Carried-forward regulatory and compliance risks remain unchanged from the 10-K
- Carried-forward operational and competitive risks remain unchanged from the 10-K
- Carried-forward financial risks, including liquidity and debt exposure, remain unchanged from the 10-K
AI summary of the AMAL 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 7.01: Regulation FD Disclosure
- Earnings call scheduled July 23, 2026 at 11:00 a.m. Eastern
- Discussion covers second-quarter results ended June 30, 2026
Item 2.02: Results of Operations and Financial Condition
- Q2 2026 results for quarter ended June 30, 2026
- Press release issued July 23, 2026
Item 7.01: Regulation FD Disclosure
- Quarterly dividend declared at $0.17 per share
- Payment scheduled for August 20, 2026
Item 8.01: Other Events
- Additional $31.4 million buyback authorization raises total available repurchase capacity to $40 million
- Capital return signal, potentially supporting earnings per share and shareholder value
AI summaries of AMAL 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for AMAL
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Brown Sam D. | Sell | Oct 1, 2026 | 148 | $46.53 |
| Searby Sean | Sell | Sep 15, 2026 | 3,314 | $47.75 |
| Workers United | Sell | Sep 14, 2026 | 95,872 | $47.89 |
| Western States Regional Joint Board, Workers United | Sell | Sep 14, 2026 | 50,000 | $47.98 |
| Western States Regional Joint Board, Workers United | Sell | Sep 14, 2026 | 82,412 | $47.69 |
| Workers United | Sell | Sep 14, 2026 | 50,000 | $47.98 |
| Western States Regional Joint Board, Workers United | Sell | Sep 14, 2026 | 95,872 | $47.89 |
| Workers United | Sell | Sep 14, 2026 | 82,412 | $47.69 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $358.1M | $401.3M | $422.2M |
| Net Income | $88.0M | $106.4M | $104.4M |
| Net Margin | 24.6% | 26.5% | 24.7% |
| Balance Sheet | |||
| Total Assets | $8.0B | $8.3B | $8.9B |
| Equity | $585.4M | $707.7M | $794.5M |
| ROE | 15.0% | 15.0% | 13.1% |
| Per Share | |||
| EPS | - | $3.44 | $3.41 |
| Cash Flow | |||
| Operating CF | $117.2M | $124.1M | $135.8M |
| CapEx | $1.5M | $1.8M | $1.4M |
Source: XBRL data in Amalgamated Financial Corp. (AMAL)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate AMAL share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 28 | $394.6M |
| Q1 2026 | 27 | $337.3M |
| Q4 2025 | 25 | $288.6M |
| Q3 2025 | 25 | $251.0M |
| Q2 2025 | 26 | $278.1M |
| Q1 2025 | 24 | $155.0M |
| Q4 2024 | 19 | $161.7M |
| Q3 2024 | 16 | $107.1M |
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Source: 13F-HR filings on SEC EDGAR (aggregated from 190 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
AMAL filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Oct 5, 2026 | - | - | - |
| 4 | Sep 17, 2026 | - | - | - |
| 4 | Sep 15, 2026 | - | - | - |
| 4 | Sep 15, 2026 | - | - | - |
| 4 | Sep 11, 2026 | - | - | - |
| 4 | Sep 11, 2026 | - | - | - |
| 4 | Sep 11, 2026 | - | - | - |
| 4 | Sep 11, 2026 | - | - | - |
| 4 | Sep 10, 2026 | - | - | - |
| 4 | Sep 10, 2026 | - | - | - |
| 4 | Sep 8, 2026 | - | - | - |
| 4 | Sep 8, 2026 | - | - | - |
| 4 | Sep 3, 2026 | - | - | - |
| 4 | Sep 3, 2026 | - | - | - |
| 4 | Sep 3, 2026 | - | - | - |
| 4 | Sep 3, 2026 | - | - | - |
| 4 | Sep 2, 2026 | - | - | - |
| 4 | Sep 2, 2026 | - | - | - |
| 4 | Aug 11, 2026 | - | - | - |
| 4 | Aug 5, 2026 | - | - | - |
| 10-Q | Aug 4, 2026 | Jun 30, 2026 | Analysis | |
| 4 | Aug 3, 2026 | - | - | - |
| 8-K | Jul 23, 2026 | - | Analysis | - |
| 8-K | Jul 21, 2026 | - | Analysis | - |
| 4 | Jun 15, 2026 | - | - | - |
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AMAL SEC filings: frequently asked questions
Are AMAL insiders buying or selling?
In the last 90 days, Amalgamated Financial Corp. (AMAL) officers, directors and 10% owners reported no open-market purchases and 40 open-market sales worth $83.2 million by 10 insiders on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold AMAL stock?
As of June 30, 2026, the largest Amalgamated Financial Corp. (AMAL) holders among the 13F filers tracked by SignalX were BlackRock ($156.3 million), Dimensional Fund Advisors ($64.6 million), Vanguard Capital Management LLC ($38.1 million), State Street Corp ($32.1 million), Vanguard Portfolio Management LLC ($18.2 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was AMAL's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), Amalgamated Financial Corp. (AMAL) reported revenue of $422.2 million (up 5.2% from FY2024) and net income of $104.4 million. Diluted EPS was $3.41. The figures come from the XBRL data in the 10-K.
What are the main risks in AMAL's latest 10-K?
In the 10-K filed March 5, 2026, Amalgamated Financial Corp. (AMAL) flagged: U.S. Supreme Court ruling limiting President’s tariff powers under International Emergency Economic Powers Act, creating tariff enforcement uncertainty. 82.4% of CRE, multifamily, and construction loan collateral concentrated in NY, CA, and Washington, D.C., exposing to regional social unrest and terrorist risks. (AI summary of the Risk Factors section.)
What did AMAL report in its latest 8-K?
Amalgamated Financial Corp. (AMAL) filed an 8-K on July 23, 2026 reporting Item 7.01 (Regulation FD Disclosure) and Item 2.02 (Results of Operations and Financial Condition). Earnings call scheduled July 23, 2026 at 11:00 a.m. Eastern.
What are the latest AMAL SEC filings?
Amalgamated Financial Corp. (AMAL) filed its latest 10-K annual report on March 5, 2026, a 10-Q quarterly report on August 4, 2026, an 8-K current report on July 23, 2026 and a Form 4 insider filing on October 5, 2026.
What is AMAL's SEC CIK number?
Amalgamated Financial Corp. (AMAL)'s SEC Central Index Key (CIK) is 1823608. EDGAR lists every AMAL filing under that number.
Ask anything about AMAL
The research agent reads AMAL's filings, financials, insider trades and 13F holders, then answers with sources.