Amalgamated FinancialAMAL -1.62%66 5-Year Yield-on-Cost % is 2.37 as of Jul. 02, 2026, which is 19% below its 10-year median of 2.94. GuruFocus rates AMAL with a GF Score™ of 66/100 and a GF Value™ of $33.14 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,252 Banks companies, Amalgamated Financial ranks worse than 76.92% on this metric.
Amalgamated Financial's yield on cost for the quarter that ended in Mar. 2026 was 2.37.
The historical rank and industry rank for Amalgamated Financial's 5-Year Yield-on-Cost % or its related term are showing as below:
AMAL'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.53 Med: 2.94 Max: 5.61
Current: 2.37
During the past 9 years, Amalgamated Financial's highest Yield on Cost was 5.61. The lowest was 0.53. And the median was 2.94.
AMAL's 5-Year Yield-on-Cost % is ranked worse than 76.92% of 1252
companies
in the Banks industry
Industry Median: 3.91
vs AMAL: 2.37
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Amalgamated Financial 5-Year Yield-on-Cost % Related Terms
AMAL vs WABC, PEBO, BHRB: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Amalgamated Financial's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Amalgamated Financial's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Amalgamated Financial's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Amalgamated Financial (AMAL) has a 5-Year Yield-on-Cost % of 2.37 as of Jul. 02, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Amalgamated Financial and its competitors. This is 19% below median its historical median of 2.94. Over the past decade, Amalgamated Financial's 5-Year Yield-on-Cost % has ranged from 0.53 to 5.61. According to the industry distribution chart, Amalgamated Financial ranks #963 out of 1252 companies in the Banks industry, placing it in the top 76.9%.
Is Amalgamated Financial's 5-Year Yield-on-Cost % too high?
Amalgamated Financial's current 5-Year Yield-on-Cost % of 2.37 is 19% below median its 10-year median of 2.94. Over the past 10 years, this metric has ranged from a low of 0.53 to a high of 5.61. The Banks industry median 5-Year Yield-on-Cost % is 3.91. Amalgamated Financial's value of 2.37 is 39.4% below this industry median. Based on the distribution chart, Amalgamated Financial ranks #963 out of 1252 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 5-Year Yield-on-Cost % compare to WABC and PEBO?
According to the Banks industry distribution chart, Amalgamated Financial ranks #963 out of 1252 companies for 5-Year Yield-on-Cost %. This places Amalgamated Financial in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.91. Amalgamated Financial's value of 2.37 is 39.4% below this benchmark. Historically, Amalgamated Financial's own 5-Year Yield-on-Cost % has ranged from 0.53 to 5.61 over the past decade. While the company's 10-year median is 2.94 vs. the industry median of 3.91, Amalgamated Financial has consistently been below 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.91, based on 1,252 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Amalgamated Financial's current 5-Year Yield-on-Cost % of 2.37 is 39.4% below 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Amalgamated Financial and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Amalgamated Financial's current 5-Year Yield-on-Cost % is 2.37, which is 19% below median its own 10-year median of 2.94. 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 $33.14, compared to a current price of $46.29 — trading 39.7% above its estimated fair value. The current 5-Year Yield-on-Cost % is 2.37, which is 19% below median its 10-year median of 2.94 and 39.4% below the Banks industry median of 3.91. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Amalgamated Financial (AMAL), the current 5-Year Yield-on-Cost % is 2.37 as of Jul. 02, 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 $46.29 is trading 39.7% above its estimated GF Value™ of $33.14.
GuruFocus considers Amalgamated Financial to be Significantly Overvalued.
Key valuation signals for AMAL:
5-Year Yield-on-Cost %: 2.37 (19% below median its 10-year median of 2.94)
GF Value™: $33.14 vs. price of $46.29 (39.7% above fair value)
Industry Position: 39.4% below the Banks median (#963 of 1252)
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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