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Amalgamated FinancialAMAL -0.70%69 OCF Margin % is 31.06% as of Jun. 2026, which is 21% below its 10-year median of 39.20. GuruFocus rates AMAL with a GF Score™ of 69/100 and a GF Value™ of $35.23 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,498 Banks companies, Amalgamated Financial ranks better than 70.43% on this metric.
Amalgamated Financial OCF Margin % Historical Data
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The historical data trend for Amalgamated Financial's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Amalgamated Financial's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Amalgamated Financial's OCF 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 OCF Margin % of 31.06% as of Jun. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Amalgamated Financial and its competitors. This is 21% below median its historical median of 39.20. Over the past decade, Amalgamated Financial's OCF Margin % has ranged from 16.01 to 55.28. According to the industry distribution chart, Amalgamated Financial ranks #443 out of 1498 companies in the Banks industry, placing it in the top 29.6%.
Is Amalgamated Financial's OCF Margin % too high?
Amalgamated Financial's current OCF Margin % of 31.06% is 21% below median its 10-year median of 39.20. Over the past 10 years, this metric has ranged from a low of 16.01 to a high of 55.28. The Banks industry median OCF Margin % is 29.71. Amalgamated Financial's value of 31.06% is 4.6% above this industry median. Based on the distribution chart, Amalgamated Financial ranks #443 out of 1498 companies in the Banks industry, which is above the industry midpoint. Overall, Amalgamated Financial has a GF Score™ of 69/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Amalgamated Financial's OCF Margin % compare to TMP and PEBO?
According to the Banks industry distribution chart, Amalgamated Financial ranks #443 out of 1498 companies for OCF Margin %. This puts Amalgamated Financial in the upper half of its industry. The industry median OCF Margin % is 29.71. Amalgamated Financial's value of 31.06% is 4.6% above this benchmark. Historically, Amalgamated Financial's own OCF Margin % has ranged from 16.01 to 55.28 over the past decade. While the company's 10-year median is 39.20 vs. the industry median of 29.71, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.71, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Amalgamated Financial's current OCF Margin % of 31.06% is 4.6% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Amalgamated Financial and its competitors. For the Banks industry, the median OCF Margin % is 29.71 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Amalgamated Financial's current OCF Margin % is 31.06%, which is 21% below median its own 10-year median of 39.20. 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 $35.23, compared to a current price of $49.84 — trading 41.5% above its estimated fair value. The current OCF Margin % is 31.06%, which is 21% below median its 10-year median of 39.20 and 4.6% above the Banks industry median of 29.71. Amalgamated Financial's overall GF Score™ is 69/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Amalgamated Financial (AMAL), the current OCF Margin % is 31.06% 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 $49.84 is trading 41.5% above its estimated GF Value™ of $35.23.
GuruFocus considers Amalgamated Financial to be Significantly Overvalued.
Key valuation signals for AMAL:
OCF Margin %: 31.06% (21% below median its 10-year median of 39.20)
GF Value™: $35.23 vs. price of $49.84 (41.5% above fair value)
Industry Position: 4.6% above the Banks median (#443 of 1498)
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.
69GF Score
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