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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.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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