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Amalgamated FinancialAMAL +1.48%66 EV-to-FCF is 8.68 as of Jul. 16, 2026, which is 25% above its 10-year median of 6.95. GuruFocus rates AMAL with a GF Score™ of 66/100 and a GF Value™ of $33.30 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,193 Banks companies, Amalgamated Financial ranks worse than 56.66% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Amalgamated Financial's Enterprise Value is $1,325.6 Mil.
Amalgamated Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $152.6 Mil. Therefore, Amalgamated Financial's EV-to-FCF for today is 8.68.
The historical rank and industry rank for Amalgamated Financial's EV-to-FCF or its related term are showing as below:
AMAL'
s EV-to-FCF Range Over the Past 10 Years
Min: -7.05 Med: 6.95 Max: 22.24
Current: 8.68
During the past 9 years, the highest EV-to-FCF of Amalgamated Financial was 22.24. The lowest was -7.05. And the median was 6.95.
AMAL's EV-to-FCF is ranked worse than 56.66% of 1193
companies
in the Banks industry
Industry Median: 6.65
vs AMAL: 8.68
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Amalgamated Financial's PE Ratio (TTM) for today is calculated as:
Amalgamated Financial's share price for today is $47.684261.
Amalgamated Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.440.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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.
For the Banks - Regional subindustry, Amalgamated Financial's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Amalgamated Financial's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Amalgamated Financial's EV-to-FCF falls into.
Amalgamated Financial's current Enterprise Value is $1,325.6 Mil.
Amalgamated Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $152.6 Mil.
* 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 EV-to-FCF of 8.68 as of Jul. 16, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Amalgamated Financial and its competitors. This is 25% above median its historical median of 6.95. According to the industry distribution chart, Amalgamated Financial ranks #676 out of 1193 companies in the Banks industry, placing it in the top 56.7%.
Is Amalgamated Financial's EV-to-FCF too high?
Amalgamated Financial's current EV-to-FCF of 8.68 is 25% above median its 10-year median of 6.95. The Banks industry median EV-to-FCF is 6.65. Amalgamated Financial's value of 8.68 is 30.5% above this industry median. Based on the distribution chart, Amalgamated Financial ranks #676 out of 1193 companies in the Banks industry, which is below the industry midpoint. Overall, Amalgamated Financial has a GF Score™ of 66/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Amalgamated Financial's EV-to-FCF compare to WABC and PEBO?
According to the Banks industry distribution chart, Amalgamated Financial ranks #676 out of 1193 companies for EV-to-FCF. This places Amalgamated Financial in the lower half of its industry. The industry median EV-to-FCF is 6.65. Amalgamated Financial's value of 8.68 is 30.5% above this benchmark. While the company's 10-year median is 6.95 vs. the industry median of 6.65, 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.65, based on 1,193 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Amalgamated Financial's current EV-to-FCF of 8.68 is 30.5% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Amalgamated Financial and its competitors. For the Banks industry, the median EV-to-FCF is 6.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Amalgamated Financial's current EV-to-FCF is 8.68, which is 25% above median its own 10-year median of 6.95. 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 $33.30, compared to a current price of $47.68 — trading 43.2% above its estimated fair value. The current EV-to-FCF is 8.68, which is 25% above median its 10-year median of 6.95 and 30.5% above the Banks industry median of 6.65. Amalgamated Financial's overall GF Score™ is 66/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Amalgamated Financial (AMAL), the current EV-to-FCF is 8.68 as of Jul. 16, 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 $47.68 is trading 43.2% above its estimated GF Value™ of $33.30.
GuruFocus considers Amalgamated Financial to be Significantly Overvalued.
Key valuation signals for AMAL:
EV-to-FCF: 8.68 (25% above median its 10-year median of 6.95)
GF Value™: $33.30 vs. price of $47.68 (43.2% above fair value)
Industry Position: 30.5% above the Banks median (#676 of 1193)
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.
66GF Score
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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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