Need an investment idea? Check out S2O Stock Screener. It allows to generate a list of stocks of a particular interest in a matter of seconds!

Market Price

Price is unknown


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Amalgamated Bank, together with its subsidiaries, operates as a commercial bank and a chartered trust company in the United States. The company offers deposit products, including non-interest and interest-bearing demand accounts, savings and money market accounts, NOW accounts, and certificates of deposit. It also provides residential mortgage and commercial real estate loans, commercial and industrial loans, multifamily mortgages, 1-4 family real estate loans, construction and land loans, leveraged loans for commercial loans, consumer/small business and purchased student loans, and home equity lines of credit. In addition, the company offers online banking, bill payment, online cash management, and safe deposit box rental services; debit, prepaid, and ATM cards; and trust, custody, and investment management services comprising asset safekeeping, corporate actions, income collections, proxy, account transition, asset transfers, and conversion management services. Further, it provides investment products, such as equity, fixed-income, real estate, and alternative investment products; and brokerage, asset management, and insurance products. It serves advocacy-based non-profits, social welfare organizations, labor unions, political organizations, foundations, socially responsible businesses, and other for-profit companies, as well as their members and stakeholders. The company operates a network of 11 branches in New York City; one branch in Washington, D.C.; and one branch in San Francisco, as well as a digital banking and mobile platform. The company was formerly known as Amalgamated Bank of New York and changed its name to Amalgamated Bank in 2000. The company was founded in 1923 and is headquartered in New York, New York. Amalgamated Bank is a subsidiary of Workers United.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '16 Dec '17 Dec '18 Dec '19
Equity (BVPS) 13.25
15.42
growth rate 16.4%
Avg.PE 19.79
12.68
12.01
growth rate -35.9% -5.3%
ROA 0.15
1.02
0.94
growth rate 580.0% -7.8%
ROE 1.76
11.50
10.15
growth rate 553.4% -11.7%
Leverage 11.98
10.67
10.85
growth rate -10.9% 1.7%
Balance Sheet Dec '16 Dec '17 Dec '18 Dec '19
Acct.Receivable 6.30
3.00
0.80
growth rate -52.4% -73.3%
Acct.Payable 3,009.46
3,233.11
4,105.31
4,640.98
growth rate 7.4% 27.0% 13.1%
Cur.Assets 154.03
152.33
99.76
145.63
growth rate -1.1% -34.5% 46.0%
Total Assets 4,042.50
4,041.16
4,685.49
5,325.34
growth rate 0.0% 15.9% 13.7%
Cash 140.64
116.46
80.85
113.44
growth rate -17.2% -30.6% 40.3%
Inventory 3.11
14.20
0.94
0.87
growth rate 356.7% -93.4% -6.7%
Cur.Liabilities 3,220.68
3,588.94
4,181.61
4,726.73
growth rate 11.4% 16.5% 13.0%
Liabilities 3,701.39
3,697.09
4,246.12
4,834.79
growth rate -0.1% 14.9% 13.9%
LT Debt 430.57
46.78
16.58
75.00
growth rate -89.1% -64.6% 352.5%
Equity 334.28
337.23
439.24
490.41
growth rate 0.9% 30.3% 11.7%
Common Shares 14.03
32.00
31.00
32.00
growth rate 128.1% -3.1% 3.2%
Cash Flow Statement Dec '16 Dec '17 Dec '18 Dec '19
Capital Expenditures 2.53
1.87
1.43
0.75
growth rate -26.1% -23.5% -47.2%
Cash Dividends 0.39
0.39
1.93
8.30
growth rate 0.0% 389.6% 330.3%
Cash From OA 9.26
23.94
31.02
83.46
growth rate 158.5% 29.6% 169.1%
FCF per Share 1.26
1.77
growth rate 40.5%
FCF 6.74
22.00
30.00
83.00
growth rate 226.7% 36.4% 176.7%
Income Statement Dec '16 Dec '17 Dec '18 Dec '19
Sales 127.59
142.00
178.32
192.00
growth rate 11.3% 25.6% 7.7%
Op.Income 16.38
19.99
52.39
65.55
growth rate 22.0% 162.1% 25.1%
IBT 10.70
19.72
50.32
64.17
growth rate 84.4% 155.2% 27.5%
Net Income 10.56
6.11
44.65
47.20
growth rate -42.2% 631.1% 5.7%
EPS 0.19
1.46
1.47
growth rate 668.4% 0.7%
Gross Profit 127.59
142.00
178.32
192.00
growth rate 11.3% 25.6% 7.7%

Quarterly Statements

Item Name Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Balance Sheet
Acct.Receivable 0.80
growth rate
Acct.Payable 4,136.46
4,322.38
4,640.98
5,076.56
5,870.32
growth rate 4.5% 7.4% 9.4% 15.6%
Cur.Assets 122.75
87.76
145.63
282.79
656.00
growth rate -28.5% 65.9% 94.2% 132.0%
Total Assets 4,937.83
5,029.77
5,325.34
5,751.95
6,470.34
growth rate 1.9% 5.9% 8.0% 12.5%
Cash 105.89
71.24
113.44
262.74
587.96
growth rate -32.7% 59.2% 131.6% 123.8%
Inventory 0.61
0.59
0.87
0.85
0.55
growth rate -3.4% 47.4% -2.8% -35.4%
Cur.Liabilities 4,136.46
4,322.38
4,726.73
5,084.65
5,870.32
growth rate 4.5% 9.4% 7.6% 15.5%
Liabilities 4,462.88
4,543.46
4,834.79
5,278.68
5,966.64
growth rate 1.8% 6.4% 9.2% 13.0%
LT Debt 227.68
127.78
75.00
growth rate -43.9% -41.3%
Equity 474.81
486.18
490.41
473.14
503.57
growth rate 2.4% 0.9% -3.5% 6.4%
Common Shares 0.32
0.32
0.32
0.31
0.31
growth rate -0.9% 0.0% -1.6% 0.0%
Cash Flow Statement Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Capital Expenditures 0.84
0.84
0.84
growth rate 0.0% 0.0%
Cash Dividends 2.52
2.52
2.52
growth rate 0.0% 0.0%
Cash From OA 17.54
17.54
17.54
growth rate 0.0% 0.0%
FCF 16.70
16.70
16.70
growth rate 0.0% 0.0%
Income Statement Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Sales 46.08
49.97
49.94
45.22
44.89
growth rate 8.5% -0.1% -9.5% -0.7%
Op.Income 15.37
18.43
16.80
13.29
14.16
growth rate 19.9% -8.9% -20.9% 6.6%
IBT 15.08
18.09
16.45
12.95
13.82
growth rate 20.0% -9.0% -21.3% 6.7%
Net Income 11.19
13.20
12.01
9.55
10.37
growth rate 18.0% -9.0% -20.5% 8.7%
Gross Profit 46.08
49.97
49.94
45.22
44.89
growth rate 8.5% -0.1% -9.5% -0.7%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

B (72.94)

YOY Growth Grade:

B (67.27)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 8.26 8.26 9.70
EPS / Growth 1.43

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 15.3%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 15.3% 15.3% 15.3%
Future PE 8.26 9.22 16.18
Future EPS 5.94 5.94 5.94
Value Price
MOS %
12.13
13.54
23.76
MOS Price 6.07 6.77 11.88
IRT

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.

Risk / Reward Ratios

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.