Mark Fitzgibbon

Christopher O'Connell

David Konrad

Mark Shutley

- Amalgamated Financial Corporation reported **Q3 2025 core earnings per share of $0.91** and **net income of $26.8 million, or $0.88 per diluted share**.  **[0001823608_2200965_1]** **[0001823608_2200965_3]** 
- The company saw significant balance sheet expansion, with total on-balance sheet deposits increasing **$149 million, or 1.9%, to $7.6 billion**, and loans growing by **$99 million, or 3.3%**.  **[0001823608_2200965_1]** **[0001823608_2200965_3]** 
- Net interest income rose **4.9% to $76.4 million**, contributing to a **5 basis point increase in net interest margin to 3.6%**.  **[0001823608_2200965_3]** 
- Credit quality improved, with non-performing assets decreasing **$12.2 million, or 34.6%, to $23 million**.  **[0001823608_2200965_1]**  This included absorbing **$4.5 million in losses** to resolve problem credits, such as a **$5.4 million charge-off** from a C&I loan.  **[0001823608_2200965_3]** **[0001823608_2200965_4]** 
- For full-year 2025, the company raised its core pre-tax pre-provision earnings guidance to **$164 million-$165 million** and tightened net interest income guidance to **$295 million-$296 million**.  **[0001823608_2200965_4]**  Additionally, Amalgamated returned capital via **$10.4 million in share repurchases** and a **$0.14 quarterly dividend**.  **[0001823608_2200965_3]**

Amalgamated Financial Corporation Reports Strong Q3 2025 Earnings and Raises Full-Year Guidance

- Amalgamated Financial Corp. reported **core earnings per share of $0.91** for Q3 2025, contributing to **$2.66 year-to-date core EPS**.  **[0001823608_2200875_1]** **[0001823608_2200875_3]** 
- The company demonstrated strong balance sheet growth, with **loans increasing by $99 million (3.3%)** and **deposits growing by over $415 million** in the third quarter.  **[0001823608_2200875_1]** 
- Credit quality improved significantly, with **non-performing assets decreasing by $12.2 million (34.6%) to $23 million**, following the **successful resolution of a previously stressed C&I loan**.  **[0001823608_2200875_1]** **[0001823608_2200875_4]** 
- Net interest income rose **4.9% to $76.4 million**, and the **net interest margin expanded by 5 basis points to 3.6%**.  **[0001823608_2200875_3]** 
- Amalgamated Financial Corp. raised its **full-year 2025 core pre-tax pre-provision earnings guidance to $164 million to $165 million** and tightened its **net interest income guidance to $295 million to $296 million**.  **[0001823608_2200875_4]**

Amalgamated Financial (AMAL)