Amalgamated Financial Corp.

AMALNASDAQFinancial Services● Active

$42.70

+$0.28(+0.66%)

Market Cap$1.3B

P/E Ratio—

52W High$44.01

52W Low$25.13

Avg Volume138K

Open$42.94

Beta0.81

Free Cash Flow Financials Revenue

Amalgamated Financial Corp. (AMAL) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

AMAL · free cash flow · updated Jun 8, 2026

Core FCF metrics

AMAL · FCF · TTM · margin & CAGR

Free cash flow was $134.4M for FY2025 (fiscal year ending 2025-12-31), up 9.9% year-over-year The FCF margin was 29.5%. Five-year CAGR stands at +15.9%.

FY2025 Free Cash Flow$134.4M▲ +9.9% YoY

Trailing 12M (TTM)$149.0Mtrailing 4 quarters sum

FCF Margin29.5%$134.4M ÷ revenue

3-Year CAGR-2.6%FY2022 → FY2025

5-Year CAGR+15.9%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 8, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

AMAL · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$135.8M(1M)$134.4M▲ +9.9%29.5%

FY2024$124.1M(2M)$122.3M▲ +5.7%28.1%

FY2023$117.2M(1M)$115.7M▼ 20.5%30.3%

FY2022$147.3M(2M)$145.7M▲ +113.8%51.1%

FY2021$70.5M(2M)$68.1M▲ +6.2%32.6%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

AMAL · P/FCF · FCF yield · FCF per share

Amalgamated Financial Corp. (AMAL) trades at a FCF yield of 11.68% and a price-to-free-cash-flow ratio of 8.6x. FCF per share stands at $4.98, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

11.68%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$4.98

TTM FCF ÷ Shares Outstanding

Price / FCF

x8.6

Share Price ÷ FCF per Share

EV / FCF (TTM)

x9.0

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

AMAL · cash flow statement · operating / investing / financing

For FY2025, Amalgamated Financial Corp. generated $135.8M in operating cash flow and spent 1M in capital expenditures, yielding $134.4M in free cash flow.

Operating Activities

+$135.8M

Cash from core business operations

2025-12-31

Investing Activities

−$378.0M

CapEx, acquisitions & investments

2025-12-31

Financing Activities

+$472.7M

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($135.8M) − |CapEx| (1M) = FCF ($134.4M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

AMAL vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

Amalgamated Financial Corp.YOU

AMAL

$134.4M+9.9%29.5%

Berkshire Hathaway Inc.

BRK-B

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

Amalgamated Financial Corp. (AMAL) reported free cash flow of $134.4M for FY2025 (fiscal year ending 2025-12-31), up 9.9% year-over-year. The FCF margin was 29.5%.

Based on available data, Amalgamated Financial Corp. has maintained positive free cash flow for at least 9 fiscal year(s). FCF peaked at $145.7M in FY2022. The 5-year CAGR stands at +15.9%.

Amalgamated Financial Corp.'s FCF yield is 11.68% and price-to-FCF ratio is 8.6x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

AMAL free cash flow · 8 questions

Amalgamated Financial Corp. free cash flow was $134.4M for FY2025, up 9.9% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $149.0M.

AMAL free cash flowAMAL FCFAMAL FCF 2025AMAL free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · Amalgamated Financial Corp. · Amalgamated Financial Corp. SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 8, 2026