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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 share); tangible book value per share increased 4.0% to $25.31.
Strong deposit and loan growth, with political deposits rising to $1.44 billion and mission-aligned loans reaching $2.80 billion.
Successfully resolved a $10.8 million problem C&I loan, improving credit quality metrics and reducing nonperforming assets.
Continued investment in digital modernization, with the new platform live and benefiting operations.
Total assets increased to $8.7 billion, with equity up $21.6 million for the quarter.
Financial highlights
Net interest income grew 4.9% to $76.4 million, with net interest margin rising 5 bps to 3.60%.
Core efficiency ratio was 50.17%, among the best in peer groups.
Tangible book value per share increased $0.98 (4%) to $25.31; tangible common equity ratio improved to 8.79%.
Non-interest income was $9.3 million; non-interest expense was $43.4 million, mainly due to higher compensation and technology spend.
Dividend payout ratio was 16.0% for the quarter.
Outlook and guidance
Raised full-year 2025 core pre-tax pre-provision earnings guidance to $164–$165 million and net interest income to $295–$296 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.
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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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