Amalgamated Financial vs Eagle Point Credit

Amalgamated Financial Corp and Eagle Point Credit Co Inc compare business models, financial performance, and market context to offer a neutral, accessible view of how each organisation operates and competes. This page presents objective analysis without speculation, focusing on concepts and context. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

AMAL

Metric

ECC

$1.01B

Market Cap

$743.13M

-4.25%

Potential Profit

27.01%

Buy

Analyst Rating

Buy

Investment Analysis

Amalgamated Financial

AMAL

Pros

Amalgamated Financial has a relatively low forward PE ratio of 7.62, indicating potential valuation attractiveness compared to peers.
The company reported a strong deposit growth of $446 million in Q1 2025, supporting funding capacity and balance sheet strength.
Capital ratios are solid, with a Common Equity Tier 1 Capital Ratio of 14.27% and Tangible Common Equity Ratio of 8.73%, indicating financial resilience.

Considerations

The stock has recent technical sell signals and price weakness, with a downward trend of over 10% since July 2025 and negative forecasts near term.
Shares outstanding have increased slightly over the past year, potentially diluting existing shareholder value.
There is relatively low insider ownership at 1.29%, which may imply limited management skin in the game.

Eagle Point Credit

ECC

Pros

Eagle Point Credit specializes in high-income investments, focusing on below investment grade U.S. senior secured loans, which can provide attractive yield opportunities.
The company is a closed-end fund with active NAV estimation and quarterly reporting, indicating transparency and active management.
Eagle Point Credit has a clear primary objective to generate high current income, appealing to income-focused investors.

Considerations

The fund has a P/E ratio of 0.0x, reflecting that it likely does not generate traditional earnings and relies heavily on income distribution, which may pose valuation challenges.
Q2 2025 earnings per share missed estimates by 8%, with EPS declining from the previous year, signaling possible earnings pressure.
High exposure to below-investment-grade loans and CLO equity/junior debt tranches increases credit and market risk sensitivity.

About The Companies

Amalgamated Financial (AMAL)

Amalgamated Financial Corp. operates as a bank holding company for its subsidiary, Amalgamated Bank. Describing itself as America's socially responsible bank, it provides a full suite of commercial and retail banking services, alongside trust and investment management. With branches in New York City, Washington D.C., and San Francisco, it serves a diverse client base including commercial businesses, individuals, and not-for-profit organisations. Its product offerings are extensive, covering everything from commercial real estate and industrial loans to residential mortgages and consumer loans, with a notable focus on residential solar financing. For investors, Amalgamated Financial represents a long-established institution in the banking sector with a distinct mission-driven approach. As with any investment, its value can go down as well as up, and returns are not guaranteed.

Eagle Point Credit (ECC)

Eagle Point Credit Company Inc. is a specialised investment firm that operates as a non-diversified, closed-end management investment company. Its primary objective is to generate high current income for investors, with a secondary goal of achieving capital appreciation. The company achieves this by investing mainly in the equity and junior debt tranches of Collateralised Loan Obligations (CLOs). These CLOs are complex financial instruments backed by a diverse portfolio of below-investment-grade senior secured loans from U.S. companies across various sectors, including technology, healthcare, and financial services. By focusing on these specific slices of CLOs, Eagle Point aims to capture potentially higher yields, though this strategy also involves specific risks associated with the underlying loans. This approach may be of interest to investors looking for income-focused opportunities, with an understanding that the value of such investments can fluctuate.

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Comparison Snapshot