--- title: "Amalgamated Financial | 8-K: FY2025 Q3 Revenue: USD 118.75 M" type: "news" locale: "en" url: "https://longbridge.com/en/news/262403669.md" published_at: "2025-10-23T10:28:27.000Z" --- # Amalgamated Financial | 8-K: FY2025 Q3 Revenue: USD 118.75 M Revenue: As of FY2025 Q3, the actual value is USD 118.75 M. EPS: As of FY2025 Q3, the actual value is USD 0.88, beating the estimate of USD 0.875. EBIT: As of FY2025 Q3, the actual value is USD -39.76 M. ### Segment Revenue - **Net Interest Income**: Increased by $3.5 million, or 4.9%, to $76.4 million in the third quarter of 2025 compared to the previous quarter. - **Non-Interest Income**: Increased to $9.2 million from $8.0 million in the prior quarter, with core non-interest income at $10.0 million, up from $9.3 million. - **Deposit Growth**: $149.0 million for 3Q25. ### Operational Metrics - **Net Income**: $26.8 million, or $0.88 per diluted share, compared to $26.0 million, or $0.84 per diluted share, in the previous quarter. - **Core Net Income**: $27.6 million, or $0.91 per diluted share, compared to $27.0 million, or $0.88 per diluted share, in the previous quarter. - **Non-Interest Expense**: Increased by $3.0 million to $43.6 million, with core non-interest expense at $43.4 million, an increase of $2.9 million from the prior quarter. - **Provision for Credit Losses**: $5.3 million, up from $4.9 million in the previous quarter. - **Core Efficiency Ratio**: 50.17% for 3Q25. - **Core ROAA**: 1.27% for 3Q25. - **Core ROATCE**: 14.65% for 3Q25. ### Cash Flow - **Operating Cash Flow**: Not explicitly detailed in the reference. - **Free Cash Flow**: Not explicitly detailed in the reference. ### Unique Metrics - **Net Interest Margin**: Increased by 5 basis points to 3.60%. - **Tangible Book Value per Share**: Increased by $0.98, or 4.0%, to $25.31. - **Tier 1 Leverage Ratio**: 9.18% and Common Equity Tier 1 Ratio: 14.21%. - **Political Deposits**: $1.444 billion for 3Q25, up from $1.209 billion in 2Q25. - **Total Non-Performing Assets**: $23.0 million for 3Q25, down from $35.2 million in 2Q25. - **Allowance for Credit Losses on Loans**: 1.18% of total loans for 3Q25. - **Tangible Common Equity Ratio**: 8.79% for 3Q25. ### Outlook / Guidance - The company anticipates maintaining strong earnings quality and sustainability, which will allow it to handle problem situations with ease. The focus remains on delivering great results and managing challenges effectively. - **2025 Guidance**: The company expects year-end balance sheet growth of approximately 3%, a Tier 1 leverage baseline of 9.0%, a core efficiency ratio outer band of 52%, annual core ROAA of 1.3%, and core revenue growth between 3.5% and 5.0%. - **4Q25 Outlook**: Net interest income is projected to be between $75 million and $76 million, and core pre-tax pre-provision earnings are expected to be between $41 million and $42 million. ### Related Stocks - [AMAL.US - Amalgamated Financial](https://longbridge.com/en/quote/AMAL.US.md) ## Related News & Research | Title | Description | URL | |-------|-------------|-----| | AlphaQuest LLC Makes New Investment in Amalgamated Financial Corp. $AMAL | AlphaQuest LLC has acquired a new position in Amalgamated Financial Corp. (NASDAQ:AMAL), purchasing 30,038 shares valued | [Link](https://longbridge.com/en/news/274653654.md) | | Amalgamated Financial Corp. Reports Fourth Quarter 2025 Financial Results: Record Quarterly Deposit Growth of Nearly $1 Billion \| AMAL Stock News | Amalgamated Financial Corp. reported its fourth quarter 2025 financial results, highlighting a net income of $26.6 milli | [Link](https://longbridge.com/en/news/273364739.md) | | Canada's CAE beats Q3 adjusted EPS estimates | Canada's CAE reported fiscal Q3 results with revenue slightly rising and adjusted EPS of C$0.34, beating estimates of C$ | [Link](https://longbridge.com/en/news/275809290.md) | | Mandatum Expects 2026 Fee Result To Increase From 2025 | Mandatum Oyj :MANDATUM FY ASSETS UNDER MANAGEMENT EUR 15,323 MILLIONMANDATUM FY EPS EUR 0.31MANDATUM FY PRETAX PROFIT EU | [Link](https://longbridge.com/en/news/275709943.md) | | People Are Still Debating Credit Cards Versus Debit Cards. Do You Lose 'The Credit Card Game' If Even One Month Of Interest Is Charged? | A recent online debate sparked by a bank teller's suggestion to switch from debit to credit cards highlights the ongoing | [Link](https://longbridge.com/en/news/276074504.md) | --- > **Disclaimer**: This article is for reference only and does not constitute any investment advice.