AMTB Stock Analysis: Amerant Bancorp | NYSE
Banks - Regional | NYSE, USA | Market Cap: 1.142m USD | 12M Return: 56.5% | US0235761014 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 10.3M
Qual. Beats: 1
Rev. Trend: 64.2%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 8.1 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Amerant Bancorp Inc. (AMTB) is a U.S. bank holding company that operates Amerant Bank, N.A., providing a full suite of banking products and services to both individuals and businesses. The companys offerings span deposit products (checking, savings, money market, and CDs), a broad loan portfolio (commercial real estate, commercial, single-family residential, consumer, and loans to financial institutions), and treasury/cash management services. It also delivers wealth-related services, including trust and estate planning, brokerage, investment advisory, and fiduciary services for high-net-worth clients, alongside digital banking channels (online, mobile, ATMs) and traditional banking centers.
As a regional bank holding company headquartered in Coral Gables, Florida, Amerant operates a hybrid business model that combines traditional community banking with wealth management capabilities. The company was founded in 1979 and rebranded from Mercantil Bank Holding Corporation to Amerant Bancorp Inc. in June 2019, reflecting its strategic repositioning within the competitive Florida and U.S. regional banking landscape.
- Net interest margin compresses as Fed cuts rates
- Commercial real estate loan portfolio faces credit quality concerns
- Florida geographic concentration amplifies hurricane and economic exposure risks
| Net Income: 61.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA 1.71 > 1.0 |
| NWC/Revenue: -1.46k% < 20% (prev -1.31k%; Δ -152.2% < -1%) |
| CFO/TA 0.03 > 3% & CFO 333.3m > Net Income 61.4m |
| Net Debt (986.4m) to EBITDA (77.5m): 12.73 < 3 |
| Current Ratio: 0.00 > 1.5 & < 3 |
| Outstanding Shares: last quarter (39.5m) vs 12m ago -5.65% < -2% |
| Gross Margin: 65.04% > 18% (prev 47.07%; Δ 17.96% > 0.5%) |
| Asset Turnover: 5.52% > 50% (prev 5.68%; Δ -0.16% > 0%) |
| Interest Coverage Ratio: 0.32 > 6 (EBIT TTM 71.0m / Interest Expense TTM 221.4m) |
| A: -0.81 (Total Current Assets 41.0m - Total Current Liabilities 8.36b) / Total Assets 10.3b |
| B: 0.06 (Retained Earnings 651.1m / Total Assets 10.3b) |
| C: 0.01 (EBIT TTM 71.0m / Avg Total Assets 10.3b) |
| D: 0.10 (Book Value of Equity 914.4m / Total Liabilities 9.38b) |
| Altman-Z'' = -4.94 = D |
As of October 06, 2026, the stock is trading at USD 29.25 with a total of 225,622 shares traded. Over the past week, the price has changed by -0.17%, over one month by +0.14%, over three months by +12.63% and over the past year by +56.54%.
Current recommended Stop Loss: 27.70 (which is 5.3% or 2 ATR below the current price).
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 | 31.9 | 9% |
P/E Trailing = 20.8071
P/E Forward = 11.4548
P/S = 2.9174
P/B = 1.2297
Revenue TTM = 569.2m USD
EBIT TTM = 71.0m USD
EBITDA TTM = 77.5m USD
Long Term Debt = 796.7m USD (from longTermDebt, last quarter)
Short Term Debt = 20.0m USD (from shortTermDebt, two quarters ago)
Debt = 1.03b USD (from shortLongTermDebtTotal, last quarter) + Leases 115.3m
Net Debt = 986.4m USD (calculated: Debt 1.03b - CCE 41.0m)
Enterprise Value = 2.13b USD (1.14b + Debt 1.03b - CCE 41.0m)
Interest Coverage Ratio = 0.32 (Ebit TTM 71.0m / Interest Expense TTM 221.4m)
EV/FCF = 6.47x (Enterprise Value 2.13b / FCF TTM 329.1m)
FCF Yield = 15.47% (FCF TTM 329.1m / Enterprise Value 2.13b)
FCF Margin = 57.83% (FCF TTM 329.1m / Revenue TTM 569.2m)
Net Margin = 10.80% (Net Income TTM 61.4m / Revenue TTM 569.2m)
Gross Margin = 65.04% ((Revenue TTM 569.2m - Cost of Revenue TTM 199.0m) / Revenue TTM)
Gross Margin QoQ = none% (prev 59.03%)
Tobins Q-Ratio = 0.21 (Enterprise Value 2.13b / Total Assets 10.3b)
Interest Expense / Debt = 21.55% (Interest Expense 221.4m / Debt 1.03b)
Taxrate = 20.57% (14.6m / 71.0m)
NOPAT = 56.4m (EBIT 71.0m * (1 - 20.57%))
Current Ratio = 0.00 (Total Current Assets 41.0m / Total Current Liabilities 8.36b)
Debt / Equity = 1.12 (Debt 1.03b / totalStockholderEquity, last quarter 914.4m)
Debt / EBITDA = 12.73 (Net Debt 986.4m / EBITDA 77.5m)
Debt / FCF = 3.00 (Net Debt 986.4m / FCF TTM 329.1m)
Total Stockholder Equity = 928.0m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.60% (Net Income 61.4m / Total Assets 10.3b)
RoE = 6.62% (Net Income TTM 61.4m / Total Stockholder Equity 928.0m)
RoCE = 4.11% (EBIT 71.0m / Capital Employed (Equity 928.0m + L.T.Debt 796.7m))
RoIC = 2.95% (NOPAT 56.4m / Invested Capital 1.91b)
WACC = 12.19% (E(1.14b)/V(2.17b) * Re(7.75%) + D(1.03b)/V(2.17b) * Rd(21.55%) * (1-Tc(0.21)))
Discount Rate = 7.75% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 66.14 | Cagr: 7.70%
[DCF] Terminal Value 66.59% ; FCFF base≈258.9m ; Y1≈296.8m ; Y5≈436.8m
[DCF] Fair Price = 74.47 (EV 3.90b - Net Debt 986.4m = Equity 2.92b / Shares 39.2m; r=12.19% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 0.84 | # QB: 1
Revenue Correlation: 64.20 | Revenue CAGR: 4.67% | SUE: 0.03 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.57 | Chg30d=+0.00% | Revisions=+57% | Analysts=4
EPS current Year (2026-12-31): EPS=2.19 | Chg30d=+0.11% | Revisions=+57% | GrowthEPS=+26.5% | GrowthRev=-5.8%
EPS next Year (2027-12-31): EPS=2.79 | Chg30d=+0.90% | Revisions=+57% | GrowthEPS=+27.5% | GrowthRev=+7.2%
[Analyst] Revisions Ratio: +80% (up=12, down=0)