AMAL
Amalgamated·NASDAQ
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1.81 / 10
Underperform
AMAL's fundamentals are subpar, scoring just 1.8/10. Key concerns include a negative year-over-year profit growth of -5.02% and mixed asset-to-market value signals. However, the bank maintains a solid gross profit margin of 36.7% and a perfect 100% total-profit-to-EBIT ratio, offering some relief. The Net profit attributable to shareholders ratio is also 100%, indicating full earnings retention. Overall, investors should be selective due to the challenging fundamental backdrop.
Analysis Checks(4/10)
Net assets per share (growth rate compared to beginning of year %)
Value11.72
Score3/3
Weight11.56%
1M Return4.47%
Value11.72
Score3/3
Weight11.56%
1M Return4.47%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score1/3
Weight7.26%
1M Return3.05%
Value100.00
Score1/3
Weight7.26%
1M Return3.05%
Profit-MV
Value0.16
Score0/3
Weight11.83%
1M Return4.15%
Value0.16
Score0/3
Weight11.83%
1M Return4.15%
PB-ROE
Value1.41
Score0/3
Weight9.27%
1M Return3.61%
Value1.41
Score0/3
Weight9.27%
1M Return3.61%
Asset-MV
Value-0.50
Score1/3
Weight17.22%
1M Return5.76%
Value-0.50
Score1/3
Weight17.22%
1M Return5.76%
Revenue-MV
Value0.16
Score0/3
Weight7.84%
1M Return3.16%
Value0.16
Score0/3
Weight7.84%
1M Return3.16%
Gross profit margin (%)
Value36.70
Score3/3
Weight8.29%
1M Return3.43%
Value36.70
Score3/3
Weight8.29%
1M Return3.43%
Total profit (YoY growth rate %)
Value-5.02
Score0/3
Weight4.46%
1M Return2.05%
Value-5.02
Score0/3
Weight4.46%
1M Return2.05%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight8.29%
1M Return3.43%
Value100.00
Score3/3
Weight8.29%
1M Return3.43%
Cash-MV
Value0.14
Score2/3
Weight13.99%
1M Return5.25%
Value0.14
Score2/3
Weight13.99%
1M Return5.25%
Net assets per share (growth rate compared to beginning of year %)
Value11.72
Score3/3
Weight11.56%
1M Return4.47%
Value11.72
Score3/3
Weight11.56%
1M Return4.47%
Revenue-MV
Value0.16
Score0/3
Weight7.84%
1M Return3.16%
Value0.16
Score0/3
Weight7.84%
1M Return3.16%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score1/3
Weight7.26%
1M Return3.05%
Value100.00
Score1/3
Weight7.26%
1M Return3.05%
Gross profit margin (%)
Value36.70
Score3/3
Weight8.29%
1M Return3.43%
Value36.70
Score3/3
Weight8.29%
1M Return3.43%
Profit-MV
Value0.16
Score0/3
Weight11.83%
1M Return4.15%
Value0.16
Score0/3
Weight11.83%
1M Return4.15%
Total profit (YoY growth rate %)
Value-5.02
Score0/3
Weight4.46%
1M Return2.05%
Value-5.02
Score0/3
Weight4.46%
1M Return2.05%
PB-ROE
Value1.41
Score0/3
Weight9.27%
1M Return3.61%
Value1.41
Score0/3
Weight9.27%
1M Return3.61%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight8.29%
1M Return3.43%
Value100.00
Score3/3
Weight8.29%
1M Return3.43%
Asset-MV
Value-0.50
Score1/3
Weight17.22%
1M Return5.76%
Value-0.50
Score1/3
Weight17.22%
1M Return5.76%
Cash-MV
Value0.14
Score2/3
Weight13.99%
1M Return5.25%
Value0.14
Score2/3
Weight13.99%
1M Return5.25%
Is AMAL fundamentally strong?
- AMAL scores 1.81/10 on fundamentals and holds a Premium valuation at present. Backed by its 10.49% ROE, 31.83% net margin, 11.89 P/E ratio, 1.59 P/B ratio, and -2.33% earnings growth, these metrics solidify its Underperform investment rating.
