For the year ending 2025-12-31, AMAL had $230,468K increase in cash & cash equivalents over the period. $134,403K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 104,447 |
| Depreciation and amortization | 6,222 |
| Amortization of intangible assets | 574 |
| Deferred income tax expense | 1,677 |
| Provision for credit losses | 16,323 |
| Stock-based compensation expense | 6,918 |
| Net (income) loss from equity method investments | -1,733 |
| Net loss on sale of securities available for sale and other assets | -3,431 |
| Net (gain) loss on sale of loans and change in fair value on loans held-for-sale | -2,720 |
| Net gain on death benefits of bank-owned life insurance | 562 |
| Net gain on repurchase of subordinated debt | 0 |
| Proceeds from sales of loans held for sale | 29,027 |
| Originations of loans held for sale | 30,132 |
| Increase in cash surrender value of bank-owned life insurance | 2,562 |
| Increase in accrued interest receivable | 3,956 |
| Decrease (increase) in other assets | 856 |
| Increase (decrease) in other liabilities | 778 |
| Net cash provided by operating activities | 135,782 |
| Net increase in loans | 342,040 |
| Proceeds from sales of loans | 73,232 |
| Purchase of securities available for sale | 964,986 |
| Purchase of securities held-to-maturity | 157,951 |
| Proceeds from sales of securities available for sale | 364,841 |
| Maturities, principal payments and redemptions of securities available for sale | 477,862 |
| Maturities, principal payments and redemptions of securities held-to-maturity | 190,856 |
| Decrease (increase) in resell agreements | -24,921 |
| Decrease (increase) in equity method investments | -6,472 |
| Decrease (increase) in fhlbny stock, net | -10,684 |
| Purchases of premises and equipment, net | 1,379 |
| Proceeds from redemption of bank-owned life insurance | 2,209 |
| Proceeds from sale of owned assets | 46 |
| Net cash used in investing activities | -378,019 |
| Net increase in deposits | 768,636 |
| Increase (decrease) in other borrowings, net | -244,946 |
| Repurchase of subordinated debt | 0 |
| Common stock issued under equity program | 1,387 |
| Redemption of aremco class b shares | 0 |
| Repurchase of common stock | 32,346 |
| Dividends paid on common stock | 17,203 |
| Payments related to repurchase of common stock for equity awards | 2,823 |
| Net cash provided by financing activities | 472,705 |
| Increase (decrease) in cash, cash equivalents, and restricted cash | 230,468 |
| Cash, cash equivalents, and restricted cash at beginning of year | 60,749 |
| Cash, cash equivalents, and restricted cash at end of year | 291,217 |
Amalgamated Financial Corp. (AMAL)
Amalgamated Financial Corp. (AMAL)