AMAL (Amalgamated Financial) Moat Score: 3/10 (As of Jun. 25, 2026)


AMAL Amalgamated Financial Corp AMAL
66 GF Score
Price $45.85
GF Value $33.06
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Amalgamated Financial Moat Score?

Amalgamated Financial AMAL +0.66% 66 Moat Score is 3 as of Jun. 25, 2026. 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 1,609 Banks companies, Amalgamated Financial ranks better than 74.39% on this metric.

Amalgamated Financial has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Amalgamated Financial has No Moat: Amalgamated Financial lacks significant competitive advantages. It operates in a highly competitive banking sector with limited differentiation, lacking strong brand strength or significant cost advantages.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Amalgamated Financial might have No Moat - Very weak/transient advantages.

Amalgamated Financial  (NAS:AMAL) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Amalgamated Financial Moat Score Related Terms

AMAL vs TMP, PEBO, CTBI: Moat Score Comparison

For the Banks - Regional subindustry, Amalgamated Financial's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Amalgamated Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where Amalgamated Financial's Moat Score falls into.


AMAL
66GF Score
Amalgamated Financial Corp AMAL
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Amalgamated Financial (AMAL) has a Moat Score of 3 as of Jun. 25, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Amalgamated Financial ranks #412 out of 1609 companies in the Banks industry, placing it in the top 25.6%.
Is Amalgamated Financial's Moat Score too high?
Amalgamated Financial's current Moat Score is 3. Based on the distribution chart, Amalgamated Financial ranks #412 out of 1609 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 Moat Score compare to TMP and PEBO?
According to the Banks industry distribution chart, Amalgamated Financial ranks #412 out of 1609 companies for Moat Score. This puts Amalgamated Financial in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Amalgamated Financial's current Moat Score is 3. 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 Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Amalgamated Financial (AMAL), the current Moat Score is 3 as of Jun. 25, 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:

  • Moat Score: 3
  • GF Value™: $33.06 vs. price of $45.85 (38.7% above fair value)
  • GF Score™: 66/100 with 7 warning signs

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 Business Description

Other Exchanges A0B0:Germany
Address 275 Seventh Avenue, New York, NY, USA, 10001
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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$45.85
Price
$33.06
GF Value