Amalgamated Financial Corp. (AMAL) FY2025 10-K Annual Report
Amalgamated Financial Corp. (AMAL) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Mar 5, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
Amalgamated Financial Corp. FY2025 10-K Analysis
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
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%
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
Amalgamated Financial Corp. FY2025 Key Financial MetricsXBRL
Revenue
$422M
▲ +5.2% YoY
Net Income
$104M
▼ -1.9% YoY
Net Margin
24.7%
▼ -179bp YoY
ROE
13.1%
▼ -189bp YoY
Total Assets
$8.9B
▲ +7.4% YoY
EPS (Diluted)
$3.41
▼ -0.9% YoY
Operating Cash Flow
$136M
▲ +9.4% YoY
Source: XBRL data from Amalgamated Financial Corp. FY2025 10-K filing on SEC EDGAR. All figures in USD.
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