Amalgamated FinancialAMAL +0.66%66 Pretax Margin % is 36.70% as of Mar. 2026, which is 5% above its 10-year median of 34.92. 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 64.68% on this metric.
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Amalgamated Financial Pretax Margin % Related Terms
Amalgamated Financial Pretax Margin % Historical Data
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The historical data trend for Amalgamated Financial's Pretax 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.
AMAL vs TMP, PEBO, CTBI: Pretax Margin % Comparison
For the Banks - Regional subindustry, Amalgamated Financial's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Amalgamated Financial's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Amalgamated Financial's Pretax 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 Pretax Margin % of 36.70% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Amalgamated Financial and its competitors. This is near median its historical median of 34.92. Over the past decade, Amalgamated Financial's Pretax Margin % has ranged from 13.19 to 46.00. According to the industry distribution chart, Amalgamated Financial ranks #539 out of 1526 companies in the Banks industry, placing it in the top 35.3%.
Is Amalgamated Financial's Pretax Margin % too high?
Amalgamated Financial's current Pretax Margin % of 36.70% is near median its 10-year median of 34.92. Over the past 10 years, this metric has ranged from a low of 13.19 to a high of 46.00. The Banks industry median Pretax Margin % is 34.89. Amalgamated Financial's value of 36.70% is 5.2% above this industry median. Based on the distribution chart, Amalgamated Financial ranks #539 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 Pretax Margin % compare to TMP and PEBO?
According to the Banks industry distribution chart, Amalgamated Financial ranks #539 out of 1526 companies for Pretax Margin %. This puts Amalgamated Financial in the upper half of its industry. The industry median Pretax Margin % is 34.89. Amalgamated Financial's value of 36.70% is 5.2% above this benchmark. Historically, Amalgamated Financial's own Pretax Margin % has ranged from 13.19 to 46.00 over the past decade. While the company's 10-year median is 34.92 vs. the industry median of 34.89, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.89, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Amalgamated Financial's current Pretax Margin % of 36.70% is 5.2% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Amalgamated Financial and its competitors. For the Banks industry, the median Pretax Margin % is 34.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Amalgamated Financial's current Pretax Margin % is 36.70%, which is near median its own 10-year median of 34.92. 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 $45.80 — trading 38.5% above its estimated fair value. The current Pretax Margin % is 36.70%, which is near median its 10-year median of 34.92 and 5.2% above the Banks industry median of 34.89. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Amalgamated Financial (AMAL), the current Pretax Margin % is 36.70% 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 $45.80 is trading 38.5% above its estimated GF Value™ of $33.06.
GuruFocus considers Amalgamated Financial to be Significantly Overvalued.
Key valuation signals for AMAL:
Pretax Margin %: 36.70% (near median its 10-year median of 34.92)
GF Value™: $33.06 vs. price of $45.80 (38.5% above fair value)
Industry Position: 5.2% above the Banks median (#539 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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