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Amalgamated Financial (AMAL) guidance and outlook

Amalgamated Financial's 10-Q filed Nov 3, 2026 makes 19 forward-looking statements.

Guidance and outlook

Forward-looking statements, 10-Q filed Nov 3, 2026

• Our products and services are tailored to our target customer base that prefers a financial partner that is socially responsible, values-oriented and committed to creating positive change in the world.
• The allowance for credit losses is established and maintained through a provision for credit losses based on expected losses inherent in our loan portfolio.
• Management evaluates the adequacy of the allowance on a quarterly basis, and additions to the allowance are charged to expense and subsequent changes (favorable and unfavorable) in expected credit losses are recognized immediately in net income as a credit loss expense or a reversal of credit loss expense.
• Loans are charged off against the allowance when management believes the uncollectibility of a loan balance is confirmed, and expected recoveries do not exceed the aggregate of amounts previously charged-off and expected to be charged-off.
• For segments other than the consumer solar loan segment, we calculate the quantitative portion of the allowance for credit losses using the discounted cash flow methodology ("DCF") whereby the amortized cost basis of the loan is compared to the net present value of expected cash flows to be collected.
• Estimating the timing and amounts of future losses is subject to significant management judgment as these projected cash flows rely upon the estimates discussed within the Allowance for Credit Losses policy and factors that are reflective of current or future expected conditions.
• If our assumptions prove to be incorrect, the allowance for credit losses may not be sufficient to cover expected losses in the loan portfolio, resulting in additions to the allowance.
• Management measures expected credit losses on held-to-maturity debt securities on a collective basis by major security type.
• For available-for-sale debt securities in an unrealized loss position, the Company first assesses whether it intends to sell, or it is more likely than not that it will be required to sell the security before the recovery of its amortized cost basis.
• We intend to focus any organic growth in our loan portfolio on these lending areas as part of our strategic plan.
• We maintain the allowance at a level we believe is sufficient to absorb current expected credit losses in our loan portfolio.
• Our management concluded that it was more-likely-than-not that the entire amount will be realized.

Amalgamated Financial's latest quarter

Questions

What does Amalgamated Financial expect?

Our products and services are tailored to our target customer base that prefers a financial partner that is socially responsible, values-oriented and committed to creating positive change in the world. The allowance for credit losses is established and maintained through a provision for credit losses based on expected losses inherent in our loan portfolio. Management evaluates the adequacy of the allowance on a quarterly basis, and additions to the allowance are charged to expense and subsequent changes (favorable and unfavorable) in expected credit losses are recognized immediately in net inc

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Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.