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Amalgamated Financial (AMAL) investor relations material
Amalgamated Financial Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Core net income for Q3 2025 was $27.6 million ($0.91 per diluted share), up 3.4% from Q2, with GAAP net income at $26.8 million ($0.88 per diluted share); tangible book value per share increased 4.0% to $25.31.
Total assets reached $8.7 billion, with deposits at $7.77 billion and net loans of $4.73 billion.
Strong deposit and loan growth, with notable gains in political and climate segments and accelerating loan originations.
Credit quality improved, with nonperforming assets down to $23.0 million (0.26% of assets) and allowance for credit losses at 1.18% of total loans.
Continued investment in digital modernization and ESG initiatives, with a new platform live and B Corporation certification maintained.
Financial highlights
Net interest income for Q3 2025 was $76.4 million, up 4.9% quarter-over-quarter and 6.0% year-over-year; net interest margin rose to 3.60%.
Core efficiency ratio was 50.17%, among the best in peer groups.
Non-interest income was $9.2–$9.3 million, mainly from commercial banking fees and BOLI income.
Non-interest expense rose to $43.6 million, mainly due to higher compensation and technology spend.
Dividend payout ratio was 16.0% for the quarter.
Outlook and guidance
FY25 net interest income guidance is $295–$296 million, with core pre-tax pre-provision earnings of $164–$165 million.
Year-end balance sheet growth targeted at ~3%, with a 9.0% Tier 1 leverage baseline and 1.3% annual core ROAA.
Core revenue growth expected in the 3.5%–5.0% range for FY25.
Q4 2025 targets: average balance sheet size of ~$8.65 billion, net interest income of $75–$76 million, and flat net interest margin.
NYC rent policy: future multifamily strategy?
Green energy loan exposure to pre-dev projects?
Mitigate debanking risk through financial strength?
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Next Amalgamated Financial earnings date
Q4 202522 Jan, 2026
Next Amalgamated Financial earnings date
Q4 202522 Jan, 2026
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Frequently asked questions
Amalgamated Financial Corp is a bank holding company that operates through its subsidiary, Amalgamated Bank. The company provides a range of commercial and retail banking services, including loans, deposit products, cash management, and investment services. It serves clients such as businesses, nonprofits, labor organizations, and individuals, with a focus on socially responsible banking practices. Amalgamated Financial Corp also offers trust and fiduciary services, as well as investment management solutions. The company is headquartered in New York, New York, and its shares are listed on the NASDAQ.
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