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AMAL

Amalgamated FinancialD
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Bull requires meaningful NII improvement, sustained cost discipline, and credible capital returns that narrow the valuation gap to peers and drive multiple expansion toward the bull_target.
Posture
Defensive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta -0.3.
What can break
Commercial real estate or broader credit deterioration
Momentum
58
Value
53
Sentiment
46
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $34.00 · Bull $48.00 · Bear $31.94Analysis 2026-01-24; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-16 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-24 • Model: RankAlpha Sentiment AI
Investment thesis
As of 2026-09-16

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-16. Definitions

Supporting evidence
What
Grade D · Defensive
Confidence Medium · Net Neutral
Target $53.67
Why
Momentum58 · Δ7d -6.3
Value53 · Δ7d 0.0
Sentiment46 · Δ7d -0.3
So what
Weak posture (Net Neutral). Prioritize risk control and patience.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta -0.3.

Contradictions & invalidation

  • • Commercial real estate or broader credit deterioration
  • • Deposit outflows / funding stress
  • • Bear assumes deposit outflows, NII compression, or CRE/credit deterioration that depress earnings and push consensus toward the analyst low, consistent with the bear_target.

Catalyst clock

2026-02-28

Analyst target revisions / consensus updates

Lead driver: Sentiment · See AI snapshot
Momentum
58
9% active weight
Current posture
7d trendSoftening
Δ7d
-6.3
Δ21d
-12.4
Value
53
28% active weight
Current posture
7d trendFlat
Δ7d
0.0
Δ21d
-0.0
Sentiment
46
62% active weight
Current posture
7d trendFlat
Δ7d
-0.3
Δ21d
+1.1
Why this grade

Composite grade D. Momentum 57.9 / Value 53.0 / Sentiment 45.6

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-01-24. Scenario method

B+
Bull case
20%
Probability
Target price
$48.00
Analysis reference price unavailable
Analysis 2026-01-24 · RankAlpha Sentiment AI
Most likely
B
Base case
55%
Probability
Target price
$34.00
Analysis reference price unavailable
Analysis 2026-01-24 · RankAlpha Sentiment AI
B-
Bear case
25%
Probability
Target price
$31.94
Analysis reference price unavailable
Analysis 2026-01-24 · RankAlpha Sentiment AI
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$1.52B
Beta
0.83
Shares Out
29.9M
P/E (TTM)
10.1
P/S (TTM)
3.12
P/FCF (TTM)
9.30
Rev YoY
+15.3%
EPS YoY
+36.1%
Gross Margin
-
Op Margin
+30.8%
Net Debt
$77.3M
Current Ratio
0.04
As of 2026-09-16 • Updated nightlySource: Internal modelMethods & Data