AMAL (Amalgamated Financial) Scaled Net Operating Assets: -0.16 (As of Mar. 2026)


AMAL Amalgamated Financial Corp AMAL
66 GF Score
Price $45.70
GF Value $33.06
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Amalgamated Financial Scaled Net Operating Assets?

Amalgamated Financial AMAL +0.43% 66 Scaled Net Operating Assets is -0.16 as of Mar. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Amalgamated Financial's operating assets for the quarter that ended in Mar. 2026 was $6,847.9 Mil. Amalgamated Financial's operating liabilities for the quarter that ended in Mar. 2026 was $8,282.2 Mil. Amalgamated Financial's Total Assets for the quarter that ended in Dec. 2025 was $8,869.8 Mil. Therefore, Amalgamated Financial's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.16.

AMAL
66GF Score
Amalgamated Financial Corp AMAL
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Amalgamated Financial Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Amalgamated Financial's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(8578.619-7993.517)/8256.892
=0.07

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=8869.836 - 291.217
=8578.619

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=8075.372 - 81.855 - 0
=7993.517

Amalgamated Financial's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(6847.899-8282.239)/8869.836
=-0.16

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=9170.892 - 2322.993
=6847.899

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=8363.318 - 81.079 - 0
=8282.239

* 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.

What does a Scaled Net Operating Assets of -0.16 mean?
Amalgamated Financial (AMAL) has a Scaled Net Operating Assets of -0.16 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Amalgamated Financial and its competitors.
Is Amalgamated Financial's Scaled Net Operating Assets too high?
Amalgamated Financial's current Scaled Net Operating Assets is -0.16. 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 Scaled Net Operating Assets compare to TMP and PEBO?
Amalgamated Financial's Scaled Net Operating Assets of -0.16 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Amalgamated Financial and its competitors. Amalgamated Financial's current Scaled Net Operating Assets is -0.16. 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 Scaled Net Operating Assets is -0.16. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Amalgamated Financial (AMAL), the current Scaled Net Operating Assets is -0.16 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:

  • Scaled Net Operating Assets: -0.16
  • GF Value™: $33.06 vs. price of $45.70 (38.2% 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

Get the complete analysis for AMAL

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$45.70
Price
$33.06
GF Value