$41.29

-0.10 (-0.24%)

Weekly Expected Move ±4.1%

$36 $38 $40 $41 $43

NASDAQ · Financial Services · Banks - Regional · Alpha Radar Neutral · Power 54 · $1.2B mcap · 21M float · 0.703% daily turnover · Short 57% of daily vol

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

WEAK EDGE

46.7 / 100

NoneWeakNarrowWide

Primary source: Switching Costs · ROIC: 12.5% · 5Y Avg: 13.3%

Cost Advantage

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. AMAL shows a Weak competitive edge (46.7/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Switching Costs. ROIC of 12.5% suggests modest returns relative to capital deployed.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

$44

Low

$44

Avg Target

$44

High

Based on 1 analyst since Apr 23, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 5Hold: 1Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$44.00

Analysts1

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-04-27	Piper Sandler	Justin Crowley	$27	$44	+17	+8.7%	$40.49
2025-08-05	Piper Sandler	—	$42	$27	-15	-2.0%	$27.54
2024-12-04	Piper Sandler	Mark Fitzgibbon	$36	$42	+6	+17.8%	$35.64
2024-09-27	Piper Sandler	Mark Fitzgibbon	$28	$36	+8	+17.1%	$30.73
2022-12-20	Piper Sandler	—	Initiated	$28	—	+19.3%	$23.48

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

B+

May 22, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. AMAL receives an overall rating of B+. Strongest factors: DCF (4/5), ROE (4/5), ROA (4/5). Areas of concern: P/E (2/5), P/B (2/5).

Rating Change History

Date	From	To
2026-04-28	A-	B+
2026-04-13	A	A-
2026-04-10	A-	A
2026-04-08	A	A-
2026-04-01	A-	A
2026-03-06	B+	A-
2026-02-24	A-	B+
2026-02-20	B+	A-
2026-02-04	A-	B+
2026-02-02	B+	A-

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 61 Grade A+

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. AMAL scores highest in Cash Flow (94/100) and lowest in Growth (45/100). An overall grade of A+ places AMAL among the highest-quality companies in its peer group.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score

1.95

Grey Zone

Piotroski F-Score

7/9

✓ ✓ ✗ ✓ ✓ ✓ ✓ ✗ ✓

Beneish M-Score

-2.29

Unlikely Manipulator

Ohlson O-Score

-5.23

Bankruptcy prob: 0.5%

Low Risk

Credit Rating

A+

Score: 75.1/100

Trend: Deteriorating

Earnings Quality

100/100

OCF/NI: 1.51x

Accruals: -0.6%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. AMAL scores 1.95, placing it in the Grey Zone (safe > 3.0, distress < 1.5). Financial distress is possible and warrants monitoring. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. AMAL scores 7/9, signaling strong financial health across all three dimensions. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. AMAL's score of -2.29 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. AMAL's implied 0.5% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. AMAL receives an estimated rating of A+ (score: 75.1/100), with a deteriorating trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). AMAL's score of 100/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

11.76x

PEG

5.73x

P/S

2.63x

P/B

1.52x

P/FCF

7.87x

P/OCF

7.40x

EV/EBITDA

8.43x

EV/Revenue

2.59x

EV/EBIT

8.70x

EV/FCF

8.14x

Earnings Yield

8.93%

FCF Yield

12.71%

Shareholder Yield

4.25%

Graham Number

$45.36

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 11.8x earnings, AMAL trades at a reasonable valuation. An earnings yield of 8.9% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $45.36 per share, suggesting a potential 10% margin of safety at the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.750

NI / EBT

Interest Burden

1.000

EBT / EBIT

EBIT Margin

0.298

EBIT / Rev

Asset Turnover

0.055

Rev / Assets

Equity Multiplier

11.402

Assets / Equity

ROE

13.9%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. AMAL's ROE of 13.9% is driven by financial leverage (equity multiplier: 11.40x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Adj. Growth Rate

6.60%

Fair P/E

21.70x

Intrinsic Value

$75.30

Price/Value

0.52x

Margin of Safety

48.38%

Premium

-48.38%

Assessment

Undervalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with AMAL's realized 6.6% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $75.30, AMAL appears undervalued with a 48% margin of safety. The adjusted fair P/E of 21.7x compares to the current market P/E of 11.8x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$41.29

Median 1Y

$43.25

5th Pctile

$22.06

95th Pctile

$84.84

Ann. Volatility

41.4%

Analyst Target

$44.00

25th–75th percentile 5th–95th percentile Median path Historical Analyst target

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
Priscilla Sims Brown President and Chief Executive Officer	$1,069,231	$1,800,000	$4,432,169
Jason Darby Financial ecutive Vice President and Chief Financial Officer	$472,057	$877,000	$1,838,953
Sam Brown Banking Executive Vice President and Chief Banking Officer	$396,042	$709,000	$1,619,694
Edgar Romney, Jr. Executive Vice President and Chief Strategy and Administrative Officer	$372,431	$615,000	$1,356,204
Sean Searby Information ice President and Chief Information and Operations Officer	$407,631	$608,000	$1,343,791

CEO Pay Ratio

16:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $4,432,169

Avg Employee Cost (SGA/emp): $271,487

Employees: 450

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

450

+4.9% YoY

Revenue / Employee

$1,011,176

Rev: $455,029,000

Profit / Employee

$232,102

NI: $104,446,000

SGA / Employee

$271,487

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
ROE	9.5%	9.9%	9.6%	10.0%	11.7%	13.2%	15.2%	16.5%	16.9%	16.8%	16.1%	17.2%	18.1%	19.1%	16.5%	16.1%	16.0%	15.8%	13.9%	13.9%	13.93%
ROA	0.9%	0.9%	0.8%	0.8%	1.0%	1.1%	1.1%	1.2%	1.2%	1.2%	1.1%	1.2%	1.3%	1.3%	1.3%	1.3%	1.3%	1.3%	1.2%	1.2%	1.22%
ROIC	-4.9%	-5.1%	-3.0%	-3.1%	-3.7%	-4.2%	-12.2%	-13.3%	-13.6%	-13.5%	-13.5%	-14.4%	-15.2%	-16.0%	-16.4%	-16.1%	-16.0%	-15.8%	12.5%	12.5%	12.52%
ROCE	10.3%	10.7%	9.8%	10.2%	11.9%	13.5%	8.7%	9.5%	9.7%	9.7%	13.0%	14.0%	14.6%	15.4%	13.5%	13.2%	13.1%	13.0%	1.6%	1.6%	1.57%
Gross Margin	93.8%	1.0%	90.3%	92.4%	92.4%	88.9%	81.4%	74.9%	71.2%	69.7%	68.1%	71.0%	70.0%	71.1%	69.3%	72.0%	67.8%	67.5%	74.0%	65.2%	65.22%
Operating Margin	28.3%	37.2%	37.6%	33.2%	39.8%	40.3%	37.5%	32.1%	31.6%	32.0%	34.6%	36.7%	32.6%	34.0%	30.6%	31.7%	31.6%	31.1%	28.9%	27.8%	27.79%
Net Margin	20.7%	27.7%	28.8%	24.7%	29.5%	29.8%	29.4%	23.7%	23.2%	22.9%	22.3%	25.9%	24.4%	24.8%	22.7%	22.8%	23.2%	22.7%	23.1%	20.6%	20.57%
EBITDA Margin	30.8%	39.5%	39.8%	35.3%	41.5%	41.8%	38.8%	33.3%	32.8%	33.1%	35.7%	38.8%	32.4%	34.8%	32.9%	32.1%	32.1%	31.3%	32.1%	27.8%	27.79%
FCF Margin	33.1%	46.4%	32.6%	34.0%	48.5%	42.8%	50.9%	51.4%	40.4%	41.9%	30.3%	28.2%	27.4%	25.4%	28.1%	28.1%	27.5%	27.8%	28.7%	31.8%	31.83%
OCF Margin	34.2%	47.7%	33.8%	35.1%	49.2%	43.5%	51.4%	51.8%	40.9%	42.3%	30.6%	28.6%	27.6%	25.7%	28.5%	28.9%	28.0%	28.5%	29.8%	33.8%	33.83%
ROE 3Y Avg	snapshot only																				14.65%
ROE 5Y Avg	snapshot only																				14.22%
ROA 3Y Avg	snapshot only																				1.21%
ROIC 3Y Avg	snapshot only																				10.82%
ROIC Economic	snapshot only																				11.90%
Cash ROA	snapshot only																				1.79%
Cash ROIC	snapshot only																				18.96%
CROIC	snapshot only																				17.84%
NOPAT Margin	snapshot only																				22.35%
Pretax Margin	snapshot only																				29.80%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				27.43%
SBC / Revenue	snapshot only																				1.61%

Valuation

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
P/E Ratio	9.30	9.07	9.28	9.61	9.02	9.07	8.30	5.86	5.22	5.62	9.05	7.61	8.31	9.06	9.55	8.41	9.18	8.03	9.28	11.20	11.765
P/S Ratio	2.13	2.20	2.35	2.45	2.50	2.57	2.37	1.64	1.37	1.39	2.08	1.80	1.99	2.21	2.33	1.99	2.15	1.83	2.13	2.50	2.635
P/B Ratio	0.85	0.86	0.87	0.94	1.03	1.17	1.33	1.02	0.93	0.99	1.36	1.22	1.41	1.62	1.44	1.24	1.34	1.16	1.22	1.48	1.524
P/FCF	6.44	4.75	7.21	7.22	5.15	6.00	4.66	3.18	3.40	3.31	6.88	6.37	7.26	8.69	8.31	7.09	7.82	6.59	7.42	7.87	7.866
P/OCF	6.25	4.62	6.97	7.00	5.08	5.91	4.61	3.16	3.36	3.28	6.79	6.29	7.19	8.59	8.19	6.90	7.67	6.44	7.14	7.40	7.401
EV/EBITDA	-14.77	-14.55	-24.09	-22.77	-19.16	-16.19	-4.44	-5.37	-5.61	-5.35	-3.42	-3.74	-2.87	-1.91	-2.25	-3.30	-2.78	-3.72	6.97	8.43	8.429
EV/Revenue	-5.03	-5.09	-8.72	-8.29	-7.49	-6.45	-1.76	-2.07	-2.04	-1.84	-1.16	-1.32	-1.00	-0.68	-0.78	-1.09	-0.92	-1.19	2.22	2.59	2.591
EV/EBIT	-16.30	-15.59	-25.74	-24.27	-20.22	-16.97	-4.63	-5.58	-5.82	-5.55	-3.54	-3.90	-2.96	-1.96	-2.33	-3.38	-2.87	-3.82	7.21	8.70	8.695
EV/FCF	-15.19	-10.98	-26.72	-24.41	-15.44	-15.07	-3.46	-4.03	-5.06	-4.39	-3.82	-4.66	-3.67	-2.66	-2.78	-3.87	-3.34	-4.29	7.73	8.14	8.140
Earnings Yield	10.8%	11.0%	10.8%	10.4%	11.1%	11.0%	12.0%	17.1%	19.2%	17.8%	11.1%	13.1%	12.0%	11.0%	10.5%	11.9%	10.9%	12.5%	10.8%	8.9%	8.93%
FCF Yield	15.5%	21.1%	13.9%	13.8%	19.4%	16.7%	21.4%	31.5%	29.4%	30.2%	14.5%	15.7%	13.8%	11.5%	12.0%	14.1%	12.8%	15.2%	13.5%	12.7%	12.71%
PEG Ratio	snapshot only																				5.731
Price/Tangible Book	snapshot only																				1.501
EV/OCF	snapshot only																				7.659
EV/Gross Profit	snapshot only																				3.780
Acquirers Multiple	snapshot only																				8.698
Shareholder Yield	snapshot only																				4.25%
Graham Number	snapshot only																				$45.36

Leverage & Solvency

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Current Ratio	0.30	0.30	0.39	0.39	0.39	0.39	0.29	0.29	0.29	0.29	0.23	0.23	0.23	0.23	0.24	0.24	0.24	0.24	12.77	12.77	12.770
Quick Ratio	0.30	0.30	0.39	0.39	0.39	0.39	0.29	0.29	0.29	0.29	0.23	0.23	0.23	0.23	0.24	0.24	0.24	0.24	12.77	12.77	12.770
Debt/Equity	0.10	0.10	0.23	0.23	0.23	0.23	1.37	1.37	1.37	1.37	0.57	0.57	0.57	0.57	0.47	0.47	0.47	0.47	0.12	0.12	0.118
Net Debt/Equity	-2.85	-2.85	-4.10	-4.10	-4.10	-4.10	-2.31	-2.31	-2.31	-2.31	-2.12	-2.12	-2.12	-2.12	-1.92	-1.92	-1.92	-1.92	0.05	0.05	0.051
Debt/Assets	0.01	0.01	0.02	0.02	0.02	0.02	0.09	0.09	0.09	0.09	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.01	0.01	0.011
Debt/EBITDA	0.73	0.73	1.75	1.68	1.46	1.29	6.19	5.70	5.57	5.56	2.60	2.40	2.32	2.21	2.21	2.30	2.29	2.33	0.65	0.65	0.654
Net Debt/EBITDA	-21.03	-20.85	-30.59	-29.50	-25.55	-22.64	-10.44	-9.61	-9.39	-9.38	-9.59	-8.85	-8.54	-8.15	-8.98	-9.32	-9.30	-9.44	0.28	0.28	0.284
Interest Coverage	9.58	10.98	11.37	10.90	11.46	10.53	5.80	3.45	2.20	1.53	1.29	1.24	1.22	1.25	1.22	1.18	1.16	1.13	1.13	1.13	1.130
Equity Multiplier	11.16	11.16	12.56	12.56	12.56	12.56	15.41	15.41	15.41	15.41	13.62	13.62	13.62	13.62	11.67	11.67	11.67	11.67	11.16	11.16	11.165
Cash Ratio	snapshot only																				5.739
Debt Service Coverage	snapshot only																				1.165
Cash to Debt	snapshot only																				0.565
FCF to Debt	snapshot only																				1.584
Defensive Interval	snapshot only																				238.1 days

Efficiency & Turnover

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Asset Turnover	0.04	0.04	0.03	0.03	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.06	0.05	0.05	0.055
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	9.89	9.71	7.91	8.15	8.77	9.71	8.12	9.04	9.81	10.39	7.89	8.20	8.54	8.86	7.46	7.54	7.58	7.68	7.21	7.41	7.411
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
DSO	37	38	46	45	42	38	45	40	37	35	46	44	43	41	49	48	48	48	51	49	49.2 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
Cash Conversion Cycle	37	38	46	45	42	38	45	40	37	35	46	44	43	41	49	48	48	48	51	49	—
Fixed Asset Turnover	snapshot only																				32.759
Cash Velocity	snapshot only																				8.804
Capital Intensity	snapshot only																				18.952

Growth (YoY)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue	-3.8%	-6.1%	-6.7%	-0.9%	8.7%	22.6%	36.6%	47.7%	48.9%	42.4%	34.1%	25.1%	20.2%	17.6%	13.8%	10.6%	6.8%	4.3%	4.5%	6.4%	6.40%
Net Income	8.3%	14.4%	14.6%	12.5%	31.2%	43.0%	53.9%	61.4%	41.4%	23.9%	8.0%	5.9%	9.2%	16.2%	21.0%	11.0%	4.5%	-2.2%	-1.9%	0.4%	0.41%
EPS	6.5%	13.0%	14.6%	12.7%	32.8%	45.0%	56.2%	64.1%	43.3%	25.7%	9.5%	6.6%	9.0%	15.0%	19.7%	10.2%	4.7%	-0.6%	0.3%	3.1%	3.06%
FCF	86.8%	98.5%	6.2%	24.4%	59.2%	13.1%	1.1%	1.2%	23.9%	39.4%	-20.2%	-31.3%	-18.6%	-28.7%	5.7%	10.2%	7.3%	14.3%	6.9%	20.4%	20.45%
EBITDA	7.3%	7.7%	8.7%	8.3%	24.8%	39.5%	49.2%	56.3%	38.6%	22.9%	14.5%	14.2%	15.5%	21.0%	16.9%	4.0%	0.6%	-5.5%	-4.0%	-1.1%	-1.06%
Op. Income	7.2%	13.9%	14.2%	12.6%	30.5%	42.6%	52.9%	60.5%	41.0%	24.3%	15.3%	13.9%	16.3%	22.0%	16.7%	5.5%	0.5%	-5.3%	-3.8%	-1.7%	-1.67%
OCF Growth	snapshot only																				24.66%
Asset Growth	snapshot only																				7.42%
Equity Growth	snapshot only																				12.27%
Debt Growth	snapshot only																				-71.85%
Shares Change	snapshot only																				-2.57%
Dividend Growth	snapshot only																				18.05%

Growth (CAGR)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue 3Y	—	60.4%	26.7%	11.3%	3.5%	6.5%	9.8%	13.1%	15.9%	17.9%	19.6%	22.4%	24.8%	27.1%	27.8%	26.9%	24.1%	20.4%	16.9%	13.8%	13.78%
Revenue 5Y	—	—	—	—	—	—	—	—	—	48.4%	30.1%	20.6%	14.7%	15.1%	15.1%	14.9%	14.8%	15.0%	15.3%	16.6%	16.61%
EPS 3Y	—	76.6%	28.8%	15.9%	11.8%	13.8%	20.9%	25.7%	26.5%	27.2%	25.2%	25.4%	27.5%	28.0%	27.0%	24.5%	17.8%	12.8%	9.6%	6.6%	6.60%
EPS 5Y	—	—	—	—	—	—	—	—	—	58.6%	29.6%	22.2%	16.9%	16.3%	18.3%	18.5%	18.3%	18.7%	18.7%	17.5%	17.51%
Net Income 3Y	—	75.4%	27.7%	14.9%	10.6%	12.4%	20.0%	24.5%	26.2%	26.6%	24.0%	24.3%	26.5%	27.2%	26.2%	23.8%	17.3%	12.1%	8.6%	5.7%	5.68%
Net Income 5Y	—	—	—	—	—	—	—	—	—	57.1%	28.2%	21.0%	15.9%	15.4%	17.7%	17.8%	18.1%	18.2%	17.7%	16.5%	16.47%
EBITDA 3Y	—	72.8%	39.9%	21.6%	14.6%	15.9%	17.1%	21.2%	22.9%	22.7%	22.9%	24.6%	25.9%	27.5%	26.0%	22.9%	17.2%	12.0%	8.7%	5.5%	5.51%
EBITDA 5Y	—	—	—	—	—	—	—	—	—	54.6%	36.1%	26.2%	19.2%	18.3%	16.6%	16.2%	16.6%	16.1%	15.8%	14.7%	14.74%
Gross Profit 3Y	—	62.8%	29.4%	13.3%	5.4%	7.2%	9.4%	11.6%	12.8%	12.6%	12.9%	12.4%	13.1%	14.2%	14.7%	15.2%	12.5%	9.9%	8.3%	6.5%	6.47%
Gross Profit 5Y	—	—	—	—	—	—	—	—	—	42.0%	23.7%	14.8%	9.2%	9.7%	9.8%	10.2%	10.4%	10.3%	11.2%	10.4%	10.36%
Op. Income 3Y	—	75.0%	42.2%	23.3%	16.5%	17.8%	19.0%	23.5%	25.4%	26.4%	26.3%	27.2%	28.9%	29.3%	27.2%	24.5%	18.1%	12.8%	9.0%	5.7%	5.73%
Op. Income 5Y	—	—	—	—	—	—	—	—	—	56.9%	38.3%	28.0%	21.0%	19.9%	17.8%	17.8%	18.2%	18.5%	17.7%	16.4%	16.38%
FCF 3Y	—	—	—	2.5%	37.3%	24.2%	20.6%	27.2%	54.5%	46.3%	21.7%	24.1%	17.1%	4.0%	21.5%	19.2%	2.7%	4.3%	-3.4%	-3.0%	-3.03%
FCF 5Y	—	—	—	—	—	—	—	—	—	—	—	1.3%	21.2%	13.8%	8.1%	9.3%	26.3%	20.6%	15.3%	20.5%	20.45%
OCF 3Y	—	—	—	2.2%	37.1%	24.2%	20.7%	26.7%	53.1%	45.6%	21.2%	23.5%	16.3%	3.4%	20.7%	19.0%	2.8%	4.6%	-2.5%	-1.3%	-1.26%
OCF 5Y	—	—	—	—	—	—	—	—	—	—	—	1.2%	21.0%	13.7%	8.3%	9.4%	25.9%	20.6%	15.6%	21.3%	21.27%
Assets 3Y	—	13.9%	14.7%	14.7%	14.7%	14.7%	13.8%	13.8%	13.8%	13.8%	10.1%	10.1%	10.1%	10.1%	5.3%	5.3%	5.3%	5.3%	4.2%	4.2%	4.19%
Assets 5Y	—	—	—	—	—	—	—	—	—	14.2%	11.2%	11.2%	11.2%	11.2%	9.2%	9.2%	9.2%	9.2%	8.2%	8.2%	8.21%
Equity 3Y	—	15.9%	8.7%	8.7%	8.7%	8.7%	1.2%	1.2%	1.2%	1.2%	3.0%	3.0%	3.0%	3.0%	7.9%	7.9%	7.9%	7.9%	16.0%	16.0%	16.01%
Book Value 3Y	—	16.7%	9.6%	9.7%	9.9%	10.0%	2.0%	2.2%	1.5%	1.8%	4.0%	3.9%	3.8%	3.6%	8.5%	8.5%	8.4%	8.6%	17.0%	17.0%	17.02%
Dividend 3Y	—	0.4%	0.8%	1.0%	1.1%	3.1%	4.8%	6.7%	8.1%	6.3%	4.2%	2.4%	2.1%	3.6%	5.5%	8.2%	8.1%	7.8%	7.4%	6.6%	6.60%

Growth Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue Stability	0.10	0.58	0.55	0.54	0.59	0.50	0.51	0.56	0.66	0.92	0.92	0.87	0.75	0.79	0.82	0.85	0.88	0.92	0.95	0.98	0.981
Earnings Stability	0.15	0.58	0.76	0.95	0.65	0.76	0.86	0.81	0.76	0.86	0.91	0.89	0.86	0.87	0.92	0.92	0.94	0.94	0.93	0.88	0.882
Margin Stability	0.95	0.94	0.94	0.97	0.95	0.95	0.94	0.95	0.92	0.90	0.89	0.89	0.88	0.86	0.86	0.87	0.87	0.88	0.89	0.87	0.872
Rev. Growth Consistency	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
Earn. Growth Consistency	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.00	1.00	1.000
FCF Positive Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.97	0.94	0.94	0.95	0.88	0.83	0.50	0.50	0.83	0.90	0.97	0.98	0.96	0.94	0.92	0.96	0.98	0.99	0.99	1.00	0.998
Earnings Smoothness	0.92	0.87	0.86	0.88	0.73	0.65	0.58	0.53	0.66	0.79	0.92	0.94	0.91	0.85	0.81	0.90	0.96	0.98	0.98	1.00	0.996
ROE Trend	-0.01	-0.01	0.00	0.00	0.02	0.04	0.07	0.08	0.08	0.07	0.02	0.02	0.02	0.03	-0.00	-0.02	-0.03	-0.03	-0.02	-0.02	-0.022
Gross Margin Trend	0.07	0.10	0.10	0.06	0.04	0.00	-0.02	-0.09	-0.15	-0.20	-0.22	-0.19	-0.17	-0.12	-0.09	-0.06	-0.04	-0.03	-0.00	-0.02	-0.017
FCF Margin Trend	0.14	0.22	-0.01	0.02	0.23	0.09	0.20	0.21	-0.00	-0.03	-0.11	-0.14	-0.17	-0.17	-0.12	-0.12	-0.06	-0.06	-0.00	0.04	0.037
Sustainable Growth Rate	7.6%	8.0%	7.8%	8.2%	9.9%	11.3%	13.1%	14.3%	14.6%	14.5%	13.8%	14.9%	15.7%	16.6%	14.3%	13.7%	13.5%	13.2%	11.6%	11.5%	11.51%
Internal Growth Rate	0.7%	0.7%	0.7%	0.7%	0.8%	1.0%	1.0%	1.0%	1.1%	1.1%	1.0%	1.0%	1.1%	1.2%	1.1%	1.1%	1.1%	1.1%	1.0%	1.0%	1.02%

Cash Flow Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
OCF/Net Income	1.49	1.96	1.33	1.37	1.78	1.53	1.80	1.86	1.55	1.71	1.33	1.21	1.16	1.05	1.17	1.22	1.20	1.25	1.30	1.51	1.513
FCF/OCF	0.97	0.97	0.97	0.97	0.99	0.99	0.99	0.99	0.99	0.99	0.99	0.99	0.99	0.99	0.99	0.97	0.98	0.98	0.96	0.94	0.941
FCF/Net Income	snapshot only																				1.424
OCF/EBITDA	snapshot only																				1.100
CapEx/Revenue	1.0%	1.3%	1.1%	1.1%	0.7%	0.7%	0.6%	0.4%	0.5%	0.4%	0.4%	0.4%	0.3%	0.3%	0.4%	0.8%	0.5%	0.7%	1.1%	2.0%	2.00%
CapEx/Depreciation	snapshot only																				2.121
Accruals Ratio	-0.00	-0.01	-0.00	-0.00	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.01	-0.006
Sloan Accruals	snapshot only																				0.646
Cash Flow Adequacy	snapshot only																				5.749
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Dividend Yield	2.2%	2.2%	2.0%	1.9%	1.7%	1.6%	1.7%	2.3%	2.6%	2.5%	1.5%	1.7%	1.6%	1.4%	1.4%	1.8%	1.7%	2.0%	1.8%	1.6%	1.50%
Dividend/Share	$0.32	$0.32	$0.32	$0.32	$0.32	$0.34	$0.36	$0.38	$0.41	$0.41	$0.40	$0.40	$0.42	$0.44	$0.46	$0.50	$0.52	$0.55	$0.57	$0.60	$0.62
Payout Ratio	20.4%	19.6%	18.8%	18.2%	15.5%	14.5%	13.8%	13.3%	13.8%	13.8%	14.0%	13.2%	13.1%	13.0%	13.4%	14.8%	15.6%	16.3%	16.5%	17.4%	17.38%
FCF Payout Ratio	14.1%	10.3%	14.6%	13.7%	8.9%	9.6%	7.7%	7.2%	9.0%	8.1%	10.7%	11.0%	11.4%	12.5%	11.6%	12.5%	13.3%	13.4%	13.2%	12.2%	12.21%
Total Payout Ratio	26.4%	25.4%	24.4%	29.1%	35.4%	33.8%	31.0%	27.9%	20.2%	21.9%	23.5%	19.7%	17.2%	14.3%	14.6%	19.1%	29.3%	40.4%	47.4%	47.6%	47.59%
Div. Increase Streak	1	0	0	1	0	0	0	1	0	1	1	1	1	1	1	1	1	1	1	1	1
Chowder Number	0.07	0.01	0.02	0.02	0.02	0.07	0.14	0.20	0.28	0.21	0.12	0.07	0.06	0.11	0.17	0.26	0.26	0.25	0.23	0.20	0.196
Buyback Yield	0.6%	0.6%	0.6%	1.1%	2.2%	2.1%	2.1%	2.5%	1.2%	1.4%	1.0%	0.9%	0.5%	0.1%	0.1%	0.5%	1.5%	3.0%	3.3%	2.7%	2.70%
Net Buyback Yield	0.6%	0.6%	0.6%	1.1%	2.2%	2.1%	2.0%	2.5%	1.2%	1.4%	1.0%	0.9%	0.5%	0.1%	0.1%	0.5%	1.5%	3.0%	3.3%	2.6%	2.62%
Total Shareholder Return	2.8%	2.8%	2.6%	3.0%	3.9%	3.7%	3.7%	4.7%	3.8%	3.9%	2.5%	2.6%	2.1%	1.6%	1.5%	2.3%	3.2%	5.0%	5.1%	4.2%	4.17%

DuPont Factors

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Tax Burden (NI/EBT)	0.74	0.74	0.75	0.75	0.75	0.75	0.75	0.75	0.75	0.74	0.71	0.70	0.70	0.71	0.73	0.73	0.73	0.73	0.75	0.75	0.750
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
EBIT Margin	0.31	0.33	0.34	0.34	0.37	0.38	0.38	0.37	0.35	0.33	0.33	0.34	0.34	0.34	0.33	0.32	0.32	0.31	0.31	0.30	0.298
Asset Turnover	0.04	0.04	0.03	0.03	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.06	0.05	0.05	0.055
Equity Multiplier	11.02	11.02	11.88	11.88	11.88	11.88	13.91	13.91	13.91	13.91	14.46	14.46	14.46	14.46	12.55	12.55	12.55	12.55	11.40	11.40	11.402

Per Share

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
EPS (Diluted TTM)	$1.55	$1.61	$1.68	$1.75	$2.06	$2.34	$2.62	$2.87	$2.95	$2.94	$2.87	$3.05	$3.21	$3.39	$3.44	$3.37	$3.36	$3.36	$3.45	$3.47	$3.47
Book Value/Share	$16.97	$17.03	$17.89	$17.92	$18.08	$18.17	$16.38	$16.45	$16.53	$16.63	$19.12	$19.04	$18.98	$18.93	$22.87	$22.87	$23.01	$23.27	$26.24	$26.35	$27.09
Tangible Book/Share	$16.39	$16.45	$17.35	$17.38	$17.53	$17.62	$15.87	$15.93	$16.01	$16.11	$18.62	$18.55	$18.49	$18.44	$22.41	$22.40	$22.54	$22.80	$25.79	$25.89	$25.89
Revenue/Share	$6.74	$6.64	$6.62	$6.84	$7.42	$8.26	$9.18	$10.27	$11.19	$11.93	$12.49	$12.94	$13.43	$13.88	$14.07	$14.21	$14.38	$14.72	$15.03	$15.52	$15.70
FCF/Share	$2.23	$3.08	$2.16	$2.32	$3.60	$3.54	$4.67	$5.28	$4.52	$5.00	$3.78	$3.65	$3.67	$3.53	$3.95	$4.00	$3.95	$4.10	$4.32	$4.94	$5.00
OCF/Share	$2.30	$3.17	$2.24	$2.40	$3.65	$3.59	$4.72	$5.32	$4.57	$5.05	$3.83	$3.70	$3.71	$3.57	$4.01	$4.10	$4.03	$4.20	$4.49	$5.25	$5.31
Cash/Share	$50.00	$50.18	$77.54	$77.69	$78.36	$78.75	$60.41	$60.64	$60.96	$61.33	$51.40	$51.20	$51.04	$50.91	$54.62	$54.61	$54.94	$55.57	$1.76	$1.76	$0.39
EBITDA/Share	$2.30	$2.33	$2.40	$2.49	$2.90	$3.29	$3.63	$3.96	$4.08	$4.10	$4.22	$4.55	$4.70	$4.91	$4.88	$4.70	$4.74	$4.72	$4.79	$4.77	$4.77
Debt/Share	$1.68	$1.69	$4.19	$4.20	$4.23	$4.25	$22.49	$22.58	$22.70	$22.83	$10.96	$10.92	$10.88	$10.86	$10.80	$10.80	$10.86	$10.99	$3.11	$3.12	$3.12
Net Debt/Share	$-48.32	$-48.49	$-73.36	$-73.50	$-74.13	$-74.50	$-37.92	$-38.06	$-38.26	$-38.49	$-40.44	$-40.28	$-40.15	$-40.05	$-43.82	$-43.81	$-44.08	$-44.58	$1.35	$1.36	$1.36

Academic Models

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	1.949
Altman Z-Prime	snapshot only																				0.547
Piotroski F-Score	7	7	8	7	7	8	7	7	7	7	7	7	6	7	8	8	8	7	8	7	7
Beneish M-Score	-2.27	-2.31	-2.30	-2.21	-2.26	-2.10	-1.82	-1.84	-1.85	-1.89	-2.32	-2.13	-2.15	-2.17	-2.41	-2.39	-2.37	-2.37	-2.47	-2.29	-2.288
Ohlson O-Score	snapshot only																				-5.229
ROIC (Greenblatt)	snapshot only																				1.13%
Net-Net WC	snapshot only																				$-263.92
EVA	snapshot only																				$21066939.49

Credit

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Credit Rating	snapshot only																				A+
Credit Score	71.88	71.37	74.09	74.18	78.25	82.02	60.49	60.69	60.81	62.22	76.30	76.31	77.47	77.67	79.81	79.79	79.31	79.04	76.37	75.09	75.089
Credit Grade	snapshot only																				5
Credit Trend	snapshot only																				-4.700
Implied Spread (bps)	snapshot only																				125.000
Industry Credit Rank	snapshot only																				71
Sector Credit Rank	snapshot only																				66

AMAL NASDAQ

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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