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Amalgamated Financial (AMAL) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

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For the quarter ended September 2026, Amalgamated Financial (AMAL - Free Report) reported revenue of $101.74 million, up 18.8% over the same period last year. EPS came in at $1.14, compared to $0.91 in the year-ago quarter.

The reported revenue represents a surprise of +2.5% over the Zacks Consensus Estimate of $99.26 million. With the consensus EPS estimate being $1.08, the EPS surprise was +5.56%.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Amalgamated Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Average Balance - Total interest-earning assets: $9.25 billion compared to the $9.25 billion average estimate based on two analysts.
  • Net Interest Margin: 3.8% compared to the 3.8% average estimate based on two analysts.
  • Efficiency Ratio: 48% versus the two-analyst average estimate of 50.1%.
  • Equity method investments: $0.23 million compared to the $0.32 million average estimate based on two analysts.
  • Bank-owned life insurance: $0.66 million compared to the $0.67 million average estimate based on two analysts.
  • Net Interest Income: $87.94 million compared to the $87.9 million average estimate based on two analysts.
  • Service charges on deposit accounts: $8.25 million versus the two-analyst average estimate of $5.71 million.
  • Trust Department fees: $4.28 million compared to the $4.28 million average estimate based on two analysts.
  • Other income: $0.82 million versus the two-analyst average estimate of $0.39 million.
  • Non-interest income: $13.8 million compared to the $11.36 million average estimate based on two analysts.

View all Key Company Metrics for Amalgamated Financial here>>>

Shares of Amalgamated Financial have returned +2.7% over the past month versus the Zacks S&P 500 composite's no change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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