Loading...
•
Dec 31, 2025
Amalgamated Financial Q4 2025 Earnings Report
Amalgamated Financial reported strong Q4 2025 results, driven by net income of $26.6M, stable EPS, and robust deposit growth.
Key Takeaways
Amalgamated Financial delivered solid Q4 2025 results with stable earnings and significant deposit growth. Net income remained strong, and the company achieved record on- and off-balance sheet deposit increases, alongside an expansion in net interest margin.
Net income of $26.6M with diluted EPS of $0.88; core EPS was $0.99.
Record deposit growth: nearly $1B increase across all customer segments.
Net interest margin expanded to 3.66% from 3.60% QoQ.
Tangible book value per share rose to $26.18, up 3.4% QoQ.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Amalgamated expects continued growth driven by strong liquidity, improving deposit mix, and disciplined expense management, while monitoring risks in multifamily loans and evolving rate environments.
Positive Outlook
- Strong on- and off-balance sheet deposit growth continues.
- Improved non-interest-bearing deposit mix supports margin.
- Maintained core efficiency ratio below 52% threshold.
- Capital ratios remain well above regulatory requirements.
- Stable asset quality with low nonperforming asset levels.
Challenges Ahead
- Multifamily loan delinquencies increased in the quarter.
- Provision for credit losses slightly rose to $5.5M.
- Securities yield declined slightly QoQ.
- Core ROATCE declined compared to prior year.
Historical Earnings Impact
Analyze how earnings announcements historically affect stock price performance
Avg. Return Before/After Earnings
Loading earnings performance data...
Loading earnings reaction data...