Amalgamated FinancialAMAL +0.43%66 Net Margin % is 27.17% as of Mar. 2026, which is 4% above its 10-year median of 26.14. 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 1,526 Banks companies, Amalgamated Financial ranks better than 62.06% on this metric.
The historical rank and industry rank for Amalgamated Financial's Net Margin % or its related term are showing as below:
AMAL'
s Net Margin % Range Over the Past 10 Years
Min: 4.09 Med: 26.14 Max: 33.63
Current: 30.44
AMAL's Net Margin % is ranked better than 62.06% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs AMAL: 30.44
Amalgamated Financial (NAS:AMAL) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Amalgamated Financial Net Margin % Related Terms
Amalgamated Financial Net Margin % Historical Data
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The historical data trend for Amalgamated Financial's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Amalgamated Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where Amalgamated Financial's Net 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 Net Margin % of 27.17% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Amalgamated Financial and its competitors. This is near median its historical median of 26.14. Over the past decade, Amalgamated Financial's Net Margin % has ranged from 4.09 to 33.63. According to the industry distribution chart, Amalgamated Financial ranks #579 out of 1526 companies in the Banks industry, placing it in the top 37.9%.
Is Amalgamated Financial's Net Margin % too high?
Amalgamated Financial's current Net Margin % of 27.17% is near median its 10-year median of 26.14. Over the past 10 years, this metric has ranged from a low of 4.09 to a high of 33.63. The Banks industry median Net Margin % is 26.97. Amalgamated Financial's value of 27.17% is 0.7% above this industry median. Based on the distribution chart, Amalgamated Financial ranks #579 out of 1526 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 Net Margin % compare to TMP and PEBO?
According to the Banks industry distribution chart, Amalgamated Financial ranks #579 out of 1526 companies for Net Margin %. This puts Amalgamated Financial in the upper half of its industry. The industry median Net Margin % is 26.97. Amalgamated Financial's value of 27.17% is 0.7% above this benchmark. Historically, Amalgamated Financial's own Net Margin % has ranged from 4.09 to 33.63 over the past decade. While the company's 10-year median is 26.14 vs. the industry median of 26.97, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Amalgamated Financial's current Net Margin % of 27.17% is 0.7% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Amalgamated Financial and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Amalgamated Financial's current Net Margin % is 27.17%, which is near median its own 10-year median of 26.14. 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 $45.70 — trading 38.2% above its estimated fair value. The current Net Margin % is 27.17%, which is near median its 10-year median of 26.14 and 0.7% above the Banks industry median of 26.97. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Amalgamated Financial (AMAL), the current Net Margin % is 27.17% 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 $45.70 is trading 38.2% above its estimated GF Value™ of $33.06.
GuruFocus considers Amalgamated Financial to be Significantly Overvalued.
Key valuation signals for AMAL:
Net Margin %: 27.17% (near median its 10-year median of 26.14)
GF Value™: $33.06 vs. price of $45.70 (38.2% above fair value)
Industry Position: 0.7% above the Banks median (#579 of 1526)
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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