5 Must-Read Analyst Questions From Amalgamated Financial's Q4 Earnings Call

Amalgamated Financial’s fourth quarter results were met with a positive market reaction, reflecting management’s emphasis on robust deposit gathering and sustained loan growth. CEO Priscilla Sims Brown credited the quarter’s performance to record-breaking deposit inflows across all customer segments and a significant increase in multifamily and commercial lending. CFO Jason Darby added that improvements in net interest margin and disciplined expense management contributed to overall earnings consistency, despite isolated credit challenges in the multifamily portfolio.

Is now the time to buy AMAL? Find out in our full research report (it’s free for active Edge members).

While we enjoy listening to the management's commentary, our favorite part of earnings calls are the analyst questions. Those are unscripted and can often highlight topics that management teams would rather avoid or topics where the answer is complicated. Here is what has caught our attention.

Our Top 5 Analyst Questions From Amalgamated Financial’s Q4 Earnings Call

• Mark Fitzgibbon (Piper Sandler) asked about credit provision outlook for 2026. CFO Jason Darby explained that provision expenses should remain stable, with a conservative approach maintained given recent credit events.
• Mark Fitzgibbon (Piper Sandler) inquired about political deposit trends leading up to the election. CEO Priscilla Sims Brown and Chief Banking Officer Sam Brown agreed that deposits typically peak before elections, and current momentum is expected to surpass prior cycles.
• Mark Fitzgibbon (Piper Sandler) questioned geographic diversification in multifamily loan growth. Sam Brown confirmed that nearly half of new multifamily loans originated outside New York City, supporting the bank’s diversification strategy.
• David Konrad (KBW) asked about net interest margin drivers and loan yield outlook. Darby detailed benefits from lower funding costs, ongoing loan repricing, and strong yields in C&I and CRE portfolios.
• David Konrad (KBW) followed up on PACE portfolio concentration. Darby explained that there are no immediate constraints on expanding commercial PACE assets, and Sam Brown highlighted its growing importance for earnings.

Catalysts in Upcoming Quarters

In the coming quarters, the StockStory team will track (1) the pace of deposit inflows across core customer segments, (2) the impact of loan repricing and expansion—particularly in multifamily, PACE, and West Coast portfolios—and (3) credit quality developments, especially within the multifamily and DC markets. Monitoring technology investment returns and further progress in revenue diversification will also be important.

Amalgamated Financial currently trades at $37.67, up from $36.03 just before the earnings. Is there an opportunity in the stock?The answer lies in our full research report (it’s free).

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