Amalgamated FinancialAMAL +0.66%66 FCF Margin % is 54.62% as of Mar. 2026, which is 41% above its 10-year median of 38.64. GuruFocus rates AMAL with a GF Score™ of 66/100 and a GF Value™ of $33.06 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,504 Banks companies, Amalgamated Financial ranks better than 71.68% on this metric.
The historical rank and industry rank for Amalgamated Financial's FCF Margin % or its related term are showing as below:
AMAL'
s FCF Margin % Range Over the Past 10 Years
Min: 14.76 Med: 38.64 Max: 54.65
Current: 44.4
During the past 9 years, the highest FCF Margin % of Amalgamated Financial was 54.65%. The lowest was 14.76%. And the median was 38.64%.
AMAL's FCF Margin % is ranked better than 71.68% of 1504
companies
in the Banks industry
Industry Median: 26.5
vs AMAL: 44.40
Amalgamated Financial FCF Margin % Related Terms
Amalgamated Financial FCF Margin % Historical Data
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The historical data trend for Amalgamated Financial's FCF Margin % 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.
For the Banks - Regional subindustry, Amalgamated Financial's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Amalgamated Financial's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Amalgamated Financial's FCF Margin % 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 FCF Margin % of 54.62% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Amalgamated Financial and its competitors. This is 41% above median its historical median of 38.64. Over the past decade, Amalgamated Financial's FCF Margin % has ranged from 14.76 to 54.65. According to the industry distribution chart, Amalgamated Financial ranks #426 out of 1504 companies in the Banks industry, placing it in the top 28.3%.
Is Amalgamated Financial's FCF Margin % too high?
Amalgamated Financial's current FCF Margin % of 54.62% is 41% above median its 10-year median of 38.64. Over the past 10 years, this metric has ranged from a low of 14.76 to a high of 54.65. The Banks industry median FCF Margin % is 26.50. Amalgamated Financial's value of 54.62% is 106.1% above this industry median. Based on the distribution chart, Amalgamated Financial ranks #426 out of 1504 companies in the Banks industry, which is above 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 FCF Margin % compare to TMP and PEBO?
According to the Banks industry distribution chart, Amalgamated Financial ranks #426 out of 1504 companies for FCF Margin %. This puts Amalgamated Financial in the upper half of its industry. The industry median FCF Margin % is 26.50. Amalgamated Financial's value of 54.62% is 106.1% above this benchmark. Historically, Amalgamated Financial's own FCF Margin % has ranged from 14.76 to 54.65 over the past decade. While the company's 10-year median is 38.64 vs. the industry median of 26.50, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Amalgamated Financial's current FCF Margin % of 54.62% is 106.1% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Amalgamated Financial and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Amalgamated Financial's current FCF Margin % is 54.62%, which is 41% above median its own 10-year median of 38.64. 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 $33.06, compared to a current price of $45.85 — trading 38.7% above its estimated fair value. The current FCF Margin % is 54.62%, which is 41% above median its 10-year median of 38.64 and 106.1% above the Banks industry median of 26.50. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Amalgamated Financial (AMAL), the current FCF Margin % is 54.62% as of Mar. 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 $45.85 is trading 38.7% above its estimated GF Value™ of $33.06.
GuruFocus considers Amalgamated Financial to be Significantly Overvalued.
Key valuation signals for AMAL:
FCF Margin %: 54.62% (41% above median its 10-year median of 38.64)
GF Value™: $33.06 vs. price of $45.85 (38.7% above fair value)
Industry Position: 106.1% above the Banks median (#426 of 1504)
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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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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