For the quarter ending 2025-09-30, AMAL had -$55,522K decrease in cash & cash equivalents over the period. $38,306K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 26,790 | 51,017 |
| Depreciation and amortization | 108 | 609 |
| Amortization of intangible assets | 144 | 287 |
| Deferred income tax expense | 2,785 | 3,001 |
| Provision for credit losses | 5,301 | 5,486 |
| Stock-based compensation expense | 1,778 | 3,157 |
| Net loss from equity method investments | 598 | -2,458 |
| Net loss on sale of securities available for sale and other assets | -1,225 | -1,721 |
| Net loss (gain) on sale of loans and change in fair value on loans held-for-sale, net | 70 | 850 |
| Net gain on death benefits of bank-owned life insurance | 402 | 160 |
| Proceeds from sales of loans originated as held for sale | 11,429 | 9,206 |
| Originations of loans held for sale | 11,441 | 10,624 |
| Increase in cash surrender value of bank-owned life insurance | 648 | 1,262 |
| Net gain on repurchase of subordinated debt | 0 | 0 |
| Decrease in accrued interest receivable | 1,555 | -5,663 |
| Decrease in other assets | 651 | -1,200 |
| Decrease in other liabilities | 5,304 | -11,770 |
| Net cash provided by operating activities | 39,499 | 59,139 |
| Net increase in loans | 83,276 | 43,895 |
| Proceeds from sales of loans originated as held for investment | 0 | 34,844 |
| Purchase of securities available for sale | 287,862 | 473,312 |
| Purchase of securities held-to-maturity | 30,320 | 35,231 |
| Proceeds from sales of securities available for sale | 64,052 | 56,136 |
| Maturities, principal payments and redemptions of securities available for sale | 139,469 | 189,161 |
| Maturities, principal payments and redemptions of securities held-to-maturity | 84,851 | 55,293 |
| Increase in resell agreements | -1,916 | -33,299 |
| Decrease in equity method investments | -820 | 914 |
| Decrease (increase) in fhlbny stock, net | 0 | -10,416 |
| Purchases of premises and equipment, net | 1,193 | 1,041 |
| Proceeds from redemption of bank-owned life insurance | 0 | 983 |
| Proceeds from sale of owned assets | 0 | 46 |
| Net cash used in investing activities | -117,015 | -238,985 |
| Net increase in deposits | 36,697 | 552,667 |
| Net decrease in other borrowings | 0 | -238,994 |
| Repurchase of subordinated debt | 0 | 0 |
| Common stock issued under equity programs | 204 | 1,033 |
| Repurchase of common stock | 10,444 | 13,188 |
| Dividends paid on common stock | 4,246 | 8,767 |
| Payments related to repurchase of common stock for equity awards | 217 | 2,588 |
| Net cash provided by financing activities | 21,994 | 290,163 |
| Increase in cash, cash equivalents, and restricted cash | -55,522 | 110,317 |
| Cash and cash equivalents at beginning of period | 60,749 | - |
| Cash and cash equivalents at end of period | 115,544 | - |
Amalgamated Financial Corp. (AMAL)
Amalgamated Financial Corp. (AMAL)