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Amalgamated FinancialAMAL -0.35%64 Cash-to-Debt is 2.13 as of Jun. 2026, which is 134% above its 10-year median of 0.91. GuruFocus rates AMAL with a GF Score™ of 64/100 and a GF Value™ of $35.59 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,489 Banks companies, Amalgamated Financial ranks better than 60.58% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Amalgamated Financial's cash to debt ratio for the quarter that ended in Jun. 2026 was 2.13.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Amalgamated Financialcould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Amalgamated Financial's Cash-to-Debt or its related term are showing as below:
AMAL'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.09 Med: 0.91 Max: 13.69
Current: 2.13
During the past 9 years, Amalgamated Financial's highest Cash to Debt Ratio was 13.69. The lowest was 0.09. And the median was 0.91.
AMAL's Cash-to-Debt is ranked better than 60.58% of 1489
companies
in the Banks industry
Industry Median: 1.4
vs AMAL: 2.13
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Amalgamated Financial Cash-to-Debt Related Terms
Amalgamated Financial Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Amalgamated Financial's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, Amalgamated Financial's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Amalgamated Financial Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Amalgamated Financial's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Amalgamated Financial's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Amalgamated Financial (AMAL) has a Cash-to-Debt of 2.13 as of Jun. 2026. This is 134% above median its historical median of 0.91. Over the past decade, Amalgamated Financial's Cash-to-Debt has ranged from 0.09 to 13.69. According to the industry distribution chart, Amalgamated Financial ranks #587 out of 1489 companies in the Banks industry, placing it in the top 39.4%.
Is Amalgamated Financial's Cash-to-Debt too high?
Amalgamated Financial's current Cash-to-Debt of 2.13 is 134% above median its 10-year median of 0.91. Over the past 10 years, this metric has ranged from a low of 0.09 to a high of 13.69. The Banks industry median Cash-to-Debt is 1.40. Amalgamated Financial's value of 2.13 is 52.1% above this industry median. Based on the distribution chart, Amalgamated Financial ranks #587 out of 1489 companies in the Banks industry, which is above the industry midpoint. Overall, Amalgamated Financial has a GF Score™ of 64/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Amalgamated Financial's Cash-to-Debt compare to TMP and PEBO?
According to the Banks industry distribution chart, Amalgamated Financial ranks #587 out of 1489 companies for Cash-to-Debt. This puts Amalgamated Financial in the upper half of its industry. The industry median Cash-to-Debt is 1.40. Amalgamated Financial's value of 2.13 is 52.1% above this benchmark. Historically, Amalgamated Financial's own Cash-to-Debt has ranged from 0.09 to 13.69 over the past decade. While the company's 10-year median is 0.91 vs. the industry median of 1.40, Amalgamated Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.40, based on 1,489 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Amalgamated Financial's current Cash-to-Debt of 2.13 is 52.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Amalgamated Financial's current Cash-to-Debt is 2.13, which is 134% above median its own 10-year median of 0.91. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Amalgamated Financial stock overvalued right now?
Based on GuruFocus' analysis, Amalgamated Financial (AMAL) is currently considered Significantly Overvalued. The stock's GF Value™ is $35.59, compared to a current price of $48.89 — trading 37.4% above its estimated fair value. The current Cash-to-Debt is 2.13, which is 134% above median its 10-year median of 0.91 and 52.1% above the Banks industry median of 1.40. Amalgamated Financial's overall GF Score™ is 64/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Amalgamated Financial (AMAL), the current Cash-to-Debt is 2.13 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Amalgamated Financial (AMAL) Overvalued in 2026?
Based on GuruFocus' analysis, Amalgamated Financial stock appears to be overvalued.
The current stock price of $48.89 is trading 37.4% above its estimated GF Value™ of $35.59.
GuruFocus considers Amalgamated Financial to be Significantly Overvalued.
Key valuation signals for AMAL:
Cash-to-Debt: 2.13 (134% above median its 10-year median of 0.91)
GF Value™: $35.59 vs. price of $48.89 (37.4% above fair value)
Industry Position: 52.1% above the Banks median (#587 of 1489)
No single metric tells the full story. See the AMAL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Amalgamated Financial Corp is a bank holding company. It is a full-service commercial bank and a chartered trust company. It provides commercial banking and trust services nationally and offers various products and services to commercial and retail customers. It offers a complete suite of commercial and retail banking, investment management, and trust and custody services.
64GF Score
Get the complete analysis for AMAL
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