(AMTB) Amerant Bancorp - Overview
Stock: Checking, Savings, Loans, Wealth, Cards
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 1.83% |
| Yield on Cost 5y | 2.98% |
| Yield CAGR 5y | 56.51% |
| Payout Consistency | 89.2% |
| Payout Ratio | 20.8% |
| Risk 5d forecast | |
|---|---|
| Volatility | 36.9% |
| Relative Tail Risk | -14.8% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.12 |
| Alpha | -12.99 |
| Character TTM | |
|---|---|
| Beta | 0.906 |
| Beta Downside | 1.233 |
| Drawdowns 3y | |
|---|---|
| Max DD | 44.94% |
| CAGR/Max DD | -0.14 |
Description: AMTB Amerant Bancorp January 26, 2026
Amerant Bancorp Inc. (NYSE: AMTB) is the holding company for Amerant Bank, N.A., a community-focused lender that serves individuals and businesses through a full suite of deposit, loan, and wealth-management products. Its offerings span checking, savings, money-market, and CD accounts; commercial real-estate, residential, and consumer loans; credit-card and revolving credit facilities; as well as trust, estate-planning, brokerage, and fiduciary services. The bank operates a network of branches primarily in Florida and Texas and delivers digital banking via mobile, online, and telephone channels.
In its most recent Q2 2024 earnings release, Amerant reported a loan portfolio of **$7.2 billion**, up **5.1 % YoY**, driven by growth in commercial-real-estate and residential mortgage originations. Deposits rose to **$6.8 billion**, a **4.3 %** increase, supporting a net interest margin of **3.45 %**, marginally above the regional-bank average of 3.30 %. The firm’s CET1 capital ratio stood at **12.5 %**, comfortably above the 10.5 % regulatory minimum, while loan-loss provisions were held at **$45 million**, reflecting a cautious stance amid elevated credit-risk metrics.
Key macro drivers for Amerant include the Federal Reserve’s policy rate, which has remained in the **5.25-5.50 %** range since mid-2023, compressing margins for low-yield deposit products while enhancing earnings on higher-rate loan assets. The Florida housing market, a core exposure for the bank, has seen **price appreciation of roughly 2 % YoY** and a modest slowdown in new construction permits, indicating a potential shift in residential-loan demand. Additionally, regional-bank sentiment is being shaped by the ongoing **credit-quality pressure** in the commercial-real-estate sector, where delinquency rates have risen to **1.9 %**, above the national average of 1.4 %.
For a deeper quantitative assessment, consider reviewing Amerant’s metrics and peer comparisons on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income: 52.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.25 > 1.0 |
| NWC/Revenue: -503.0% < 20% (prev -1028 %; Δ 525.2% < -1%) |
| CFO/TA 0.01 > 3% & CFO 100.5m > Net Income 52.4m |
| Net Debt (570.7m) to EBITDA (70.8m): 8.06 < 3 |
| Current Ratio: 0.43 > 1.5 & < 3 |
| Outstanding Shares: last quarter (41.1m) vs 12m ago -2.77% < -2% |
| Gross Margin: 57.37% > 18% (prev 0.43%; Δ 5694 % > 0.5%) |
| Asset Turnover: 6.66% > 50% (prev 5.81%; Δ 0.85% > 0%) |
| Interest Coverage Ratio: 0.27 > 6 (EBITDA TTM 70.8m / Interest Expense TTM 236.7m) |
Altman Z'' -1.89
| A: -0.34 (Total Current Assets 2.50b - Total Current Liabilities 5.79b) / Total Assets 9.78b |
| B: 0.06 (Retained Earnings 619.6m / Total Assets 9.78b) |
| C: 0.01 (EBIT TTM 64.2m / Avg Total Assets 9.84b) |
| D: 0.07 (Book Value of Equity 622.7m / Total Liabilities 8.84b) |
| Altman-Z'' Score: -1.89 = D |
What is the price of AMTB shares?
Over the past week, the price has changed by +5.71%, over one month by +13.71%, over three months by +33.67% and over the past year by +1.57%.
Is AMTB a buy, sell or hold?
- StrongBuy: 1
- Buy: 1
- Hold: 3
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the AMTB price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 24.5 | 5.9% |
| Analysts Target Price | 24.5 | 5.9% |
| ValueRay Target Price | 25.8 | 11.4% |
AMTB Fundamental Data Overview February 09, 2026
P/E Forward = 11.4548
P/S = 2.4946
P/B = 1.0041
Revenue TTM = 655.2m USD
EBIT TTM = 64.2m USD
EBITDA TTM = 70.8m USD
Long Term Debt = 925.6m USD (from longTermDebt, two quarters ago)
Short Term Debt = unknown (none)
Debt = 1.04b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 570.7m USD (from netDebt column, last quarter)
Enterprise Value = -470.8m USD (983.3m + Debt 1.04b - CCE 2.50b)
Interest Coverage Ratio = 0.27 (Ebit TTM 64.2m / Interest Expense TTM 236.7m)
EV/FCF = -4.81x (Enterprise Value -470.8m / FCF TTM 98.0m)
FCF Yield = -20.81% (FCF TTM 98.0m / Enterprise Value -470.8m)
FCF Margin = 14.95% (FCF TTM 98.0m / Revenue TTM 655.2m)
Net Margin = 8.00% (Net Income TTM 52.4m / Revenue TTM 655.2m)
Gross Margin = 57.37% ((Revenue TTM 655.2m - Cost of Revenue TTM 279.3m) / Revenue TTM)
Gross Margin QoQ = 60.59% (prev 56.20%)
Tobins Q-Ratio = -0.05 (set to none) (Enterprise Value -470.8m / Total Assets 9.78b)
Interest Expense / Debt = 5.48% (Interest Expense 57.0m / Debt 1.04b)
Taxrate = 20.75% (13.7m / 66.1m)
NOPAT = 50.9m (EBIT 64.2m * (1 - 20.75%))
Current Ratio = 0.43 (Total Current Assets 2.50b / Total Current Liabilities 5.79b)
Debt / Equity = 1.11 (Debt 1.04b / totalStockholderEquity, last quarter 938.8m)
Debt / EBITDA = 8.06 (Net Debt 570.7m / EBITDA 70.8m)
Debt / FCF = 5.83 (Net Debt 570.7m / FCF TTM 98.0m)
Total Stockholder Equity = 928.6m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.53% (Net Income 52.4m / Total Assets 9.78b)
RoE = 5.64% (Net Income TTM 52.4m / Total Stockholder Equity 928.6m)
RoCE = 3.46% (EBIT 64.2m / Capital Employed (Equity 928.6m + L.T.Debt 925.6m))
RoIC = 2.81% (NOPAT 50.9m / Invested Capital 1.81b)
WACC = 6.73% (E(983.3m)/V(2.02b) * Re(9.25%) + D(1.04b)/V(2.02b) * Rd(5.48%) * (1-Tc(0.21)))
Discount Rate = 9.25% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 10.88%
[DCF Debug] Terminal Value 76.41% ; FCFF base≈88.7m ; Y1≈58.2m ; Y5≈26.6m
Fair Price DCF = 2.49 (EV 675.2m - Net Debt 570.7m = Equity 104.4m / Shares 42.0m; r=6.73% [WACC]; 5y FCF grow -40.0% → 2.90% )
EPS Correlation: -26.83 | EPS CAGR: -4.50% | SUE: 1.30 | # QB: 1
Revenue Correlation: 75.31 | Revenue CAGR: 19.66% | SUE: 3.53 | # QB: 5
EPS next Quarter (2026-03-31): EPS=0.43 | Chg30d=-0.065 | Revisions Net=-2 | Analysts=4
EPS current Year (2026-12-31): EPS=2.04 | Chg30d=-0.170 | Revisions Net=-4 | Growth EPS=+18.2% | Growth Revenue=-3.9%
EPS next Year (2027-12-31): EPS=2.63 | Chg30d=-0.075 | Revisions Net=-2 | Growth EPS=+28.8% | Growth Revenue=+7.3%