NASDAQ$AMAL

Amalgamated Financial Corp · Q3 2022 earnings

Q3 2022 earnings · · Investor relations

Briefing

Reported record earnings for the third quarter of 2022.

Amalgamated Financial Corp. announced record financial results for the third quarter ended September 30, 2022, with net income of $22.9 million, or $0.74 per diluted share. Core net income, excluding the impact of solar tax equity investments, was $24.8 million, or $0.80 per diluted share. Average deposits increased by $191.1 million to $7.3 billion, and loans receivable increased by $220.2 million to $3.8 billion.

  • Record earnings of $22.9 million, or $0.74 per diluted share.
  • Core net income was $24.8 million, or $0.80 per diluted share, excluding the impact of solar tax equity investments.
  • Average deposits increased by $191.1 million, or 2.7%, to $7.3 billion.
  • Loans receivable, net of allowance and deferred fees and costs, increased $220.2 million, or 6.1%, to $3.8 billion.

Headline financials

Total Revenue

$72.6M

Previous: $50.1M+45.0%
EPS (adj)

$0.77

Previous: $0.46+67.4%
Net Interest Margin

3.5%

Previous: 2.7%+29.6%
CET1 Capital Ratio

11.9%

No prior period
Tier 1 Leverage Ratio

7.2%

No prior period
Total Risk-Based Ratio

14.4%

No prior period
Nonaccrual Loans / Loans

0.5%

No prior period
Capital Expenditures

-$1.49M

Previous: -$2.22M+32.9%
Free Cash Flow

$21.5M

Previous: $12.2M+75.9%
Net Income

$22.9M

Previous: $14.4M+59.2%
Operating Income

$58.6M

Previous: $34.9M+67.8%
Gross Profit

$72.6M

Previous: $47.8M+51.9%
Cash & Equivalents

$66.2M

Previous: $690M-90.4%
Total Assets

$7.87B

Previous: $6.86B+14.7%
Stock-Based Comp

$608K

Previous: $623K-2.4%

Revenue & EPS history

Amalgamated Financial · Revenue · Quarterly

$72.6M

Q3 2022+45%vs Q3 2021
Beat estimate in 12 of 14 quarters(86%)
ActualEstimate

Revenue by segment

Amalgamated Financial · $8.29M total across 5 segments · Q1 2023

  • Trust Fees
    $3.93M
  • Deposit Fees
    $2.46M
  • Other Income
    $973K
  • BOLI Income
    $781K
  • Equity Inv. Income
    $153K

Forward guidance

The company anticipates accelerated runoff of political deposits in the fourth quarter related to the conclusion of the congressional elections.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q3 2022

Historical avgQ3 2022

+0.8%

Avg return

Earnings day

+1.6%

Avg return

5 days after

+3.1%

Avg return

30 days after

59%

19 / 32 earnings

Positive

+12.4%

Q3 2023

Best reaction

-7.7%

Q1 2020

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-4.3%-2.7%-2.4%
Q4 2025+6.9%+5.9%+12.3%
Q3 2025+3.0%+4.4%+8.0%
Q2 2025-0.9%-4.4%-4.1%
Q1 2025-1.4%+2.3%+5.2%
Q4 2024-4.9%-7.0%-11.1%
Q3 2024-0.6%+0.0%+7.4%
Q2 2024+1.0%+1.0%+1.9%
Q1 2024+2.6%+2.3%+5.5%
Q4 2023-1.5%+3.5%-11.0%
Q3 2023+12.4%+17.1%+32.8%
Q2 2023-2.6%-4.7%-15.0%
Q1 2023-1.0%-8.8%-10.4%
Q4 2022-2.5%-1.0%+1.0%
Q3 2022+1.4%+7.3%+15.0%
Q2 2022+5.5%+6.2%+4.1%
Q1 2022+1.4%+9.2%+15.0%
Q4 2021+0.3%+3.5%+7.0%
Q3 2021+2.1%+4.4%-4.9%
Q2 2021-1.3%-0.6%+1.2%
Q1 2021+0.2%-1.4%-3.4%
Q4 2020+6.5%+7.8%+27.5%
Q3 2020-3.9%-2.1%+15.9%
Q2 2020+10.3%+2.1%+7.3%
Q1 2020-7.7%-14.7%-4.4%
Q4 2019+3.1%+8.5%-7.8%
Q3 2019+0.3%+7.5%+11.5%
Q2 2019+1.1%-1.7%-5.9%
Q1 2019+2.5%+4.7%+0.2%
Q4 2018-2.8%-3.3%-8.9%
Q3 2018+0.3%+2.9%+7.0%
Q2 2018+1.5%+3.8%+1.8%
Q1 2018
Q4 2017
Q3 2017
Q2 2017
Q1 2017

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