(AMTB) Amerant Bancorp - NYSE
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 937m USD | Total Return: 43.9% in 12m
Avg Turnover: 5.24M
Qual. Beats: 0
Rev. Trend: 87.3%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Amerant Bancorp Inc. (AMTB) functions as the bank holding company for Amerant Bank, N.A., providing a comprehensive suite of retail and commercial banking services. Headquartered in Coral Gables, Florida, the institution focuses on traditional deposit products, commercial real estate lending, and wealth management services for high-net-worth individuals. The company underwent a rebranding in 2019, transitioning from its former identity as Mercantil Bank Holding Corporation.
Operating within the regional banking sector, AMTB’s business model relies heavily on the interest rate spread between its loan portfolio-including residential and commercial real estate-and its deposit liabilities. Regional banks often differentiate themselves through localized expertise and specialized fiduciary services, such as estate planning and brokerage, to diversify revenue streams beyond traditional lending. Investors may find it useful to examine ValueRay for deeper insights into the companys valuation metrics.
- Commercial real estate loan exposure impacts net interest margin and asset quality
- Florida market expansion drives core deposit growth and lower funding costs
- Wealth management fee income diversification mitigates interest rate volatility risk
- Non-performing asset levels and credit loss provisions influence bottom-line profitability
- Federal Reserve interest rate policy shifts dictate net interest income sensitivity
| Net Income: 63.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.31 > 1.0 |
| NWC/Revenue: 6.81% < 20% (prev -1.30k%; Δ 1.31k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 127.7m > Net Income 63.4m |
| Net Debt (995.8m) to EBITDA (80.3m): 12.41 < 3 |
| Current Ratio: 3.17 > 1.5 & < 3 |
| Outstanding Shares: last quarter (40.5m) vs 12m ago -3.97% < -2% |
| Gross Margin: 59.08% > 18% (prev 43.23%; Δ 15.85% > 0.5%) |
| Asset Turnover: 6.35% > 50% (prev 5.72%; Δ 0.64% > 0%) |
| Interest Coverage Ratio: 0.32 > 6 (EBIT TTM 73.7m / Interest Expense TTM 229.0m) |
| A: 0.00 (Total Current Assets 63.4m - Total Current Liabilities 20.0m) / Total Assets 9.90b |
| B: 0.06 (Retained Earnings 633.7m / Total Assets 9.90b) |
| C: 0.01 (EBIT TTM 73.7m / Avg Total Assets 10.0b) |
| D: 0.10 (Book Value of Equity 913.9m / Total Liabilities 8.99b) |
| Altman-Z'' = 0.39 = B |
As of June 20, 2026, the stock is trading at USD 23.60 with a total of 462,800 shares traded.
Over the past week, the price has changed by -0.80%,
over one month by +6.07%,
over three months by +14.02% and
over the past year by +43.90%.
Amerant Bancorp has received a consensus analysts rating of 3.60. Therefore, it is recommended to hold AMTB.
- StrongBuy: 1
- Buy: 1
- Hold: 3
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 25.8 | 9.1% |
P/E Trailing = 16.838
P/E Forward = 11.4548
P/S = 2.3447
P/B = 1.0251
Revenue TTM = 637.6m USD
EBIT TTM = 73.7m USD
EBITDA TTM = 80.3m USD
Long Term Debt = 826.3m USD (from longTermDebt, last quarter)
Short Term Debt = 20.0m USD (from shortTermDebt, last quarter)
Debt = 1.06b USD (from shortLongTermDebtTotal, last quarter) + Leases 116.5m
Net Debt = 995.8m USD (calculated: Debt 1.06b - CCE 63.4m)
Enterprise Value = 1.93b USD (936.9m + Debt 1.06b - CCE 63.4m)
Interest Coverage Ratio = 0.32 (Ebit TTM 73.7m / Interest Expense TTM 229.0m)
EV/FCF = 15.92x (Enterprise Value 1.93b / FCF TTM 121.4m)
FCF Yield = 6.28% (FCF TTM 121.4m / Enterprise Value 1.93b)
FCF Margin = 19.04% (FCF TTM 121.4m / Revenue TTM 637.6m)
Net Margin = 9.94% (Net Income TTM 63.4m / Revenue TTM 637.6m)
Gross Margin = 59.08% ((Revenue TTM 637.6m - Cost of Revenue TTM 260.9m) / Revenue TTM)
Gross Margin QoQ = 59.03% (prev 60.59%)
Tobins Q-Ratio = 0.20 (Enterprise Value 1.93b / Total Assets 9.90b)
Interest Expense / Debt = 21.62% (Interest Expense 229.0m / Debt 1.06b)
Taxrate = 20.80% (15.3m / 73.7m)
NOPAT = 58.3m (EBIT 73.7m * (1 - 20.80%))
Current Ratio = 3.17 (Total Current Assets 63.4m / Total Current Liabilities 20.0m)
Debt / Equity = 1.16 (Debt 1.06b / totalStockholderEquity, last quarter 913.9m)
Debt / EBITDA = 12.41 (Net Debt 995.8m / EBITDA 80.3m)
Debt / FCF = 8.20 (Net Debt 995.8m / FCF TTM 121.4m)
Total Stockholder Equity = 930.5m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.63% (Net Income 63.4m / Total Assets 9.90b)
RoE = 6.81% (Net Income TTM 63.4m / Total Stockholder Equity 930.5m)
RoCE = 4.19% (EBIT 73.7m / Capital Employed (Equity 930.5m + L.T.Debt 826.3m))
RoIC = 0.59% (NOPAT 58.3m / Invested Capital 9.87b)
WACC = 13.22% (E(936.9m)/V(2.00b) * Re(8.82%) + D(1.06b)/V(2.00b) * Rd(21.62%) * (1-Tc(0.21)))
Discount Rate = 8.82% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 33.33 | Cagr: 8.91%
[DCF] Terminal Value 63.86% ; FCFF base≈110.2m ; Y1≈126.4m ; Y5≈186.0m
[DCF] Fair Price = 12.99 (EV 1.50b - Net Debt 995.8m = Equity 499.8m / Shares 38.5m; r=13.22% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 0.0 | # QB: 0
Revenue Correlation: 87.32 | Revenue CAGR: 7.89% | SUE: 0.61 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.39 | Chg30d=+0.00% | Revisions=-43% | Analysts=4
EPS next Quarter (2026-09-30): EPS=0.47 | Chg30d=+1.62% | Revisions=+20% | Analysts=4
EPS current Year (2026-12-31): EPS=1.80 | Chg30d=+0.70% | Revisions=+20% | GrowthEPS=+3.9% | GrowthRev=-8.0%
EPS next Year (2027-12-31): EPS=2.13 | Chg30d=+2.40% | Revisions=+20% | GrowthEPS=+18.6% | GrowthRev=+4.8%
[Analyst] Revisions Ratio: -43%