(AMTB) Amerant Bancorp - Ratings and Ratios
Deposit Accounts, Loans, Cards, Wealth Services, Treasury
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 1.79% |
| Yield on Cost 5y | 2.61% |
| Yield CAGR 5y | 0.00% |
| Payout Consistency | 97.5% |
| Payout Ratio | 21.2% |
| Risk via 5d forecast | |
|---|---|
| Volatility | 36.3% |
| Value at Risk 5%th | 52.2% |
| Relative Tail Risk | -12.69% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.24 |
| Alpha | -29.02 |
| CAGR/Max DD | -0.17 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.470 |
| Beta | 0.953 |
| Beta Downside | 1.220 |
| Drawdowns 3y | |
|---|---|
| Max DD | 45.45% |
| Mean DD | 27.06% |
| Median DD | 27.77% |
Description: AMTB Amerant Bancorp December 01, 2025
Amerant Bancorp Inc. (NYSE: AMTB) is a regional bank holding company that operates Amerant Bank, N.A., offering a full suite of retail and commercial banking products-including checking, savings, money-market accounts, cash-management services, and a range of loan types (commercial real-estate, owner-occupied, residential, consumer, and credit-card financing). The firm also provides wealth-management services such as trust and estate planning, brokerage, and fiduciary solutions for high-net-worth clients.
Its footprint is concentrated in Florida and Texas, with a legacy dating back to 1979 (formerly Mercantil Bank Holding Corp. until a 2019 rebrand). The bank’s revenue mix is heavily weighted toward net interest income (≈ 70 % of total revenue in Q2 2024) and modest fee-based income from treasury management, card services, and wealth-management activities.
Key recent metrics (as of the latest quarterly filing, Q2 2024): deposit balances grew 5.2 % YoY to $7.8 bn, loan portfolio expanded 4.1 % YoY to $5.1 bn, and the net interest margin (NIM) held at 3.45 % despite a rising Fed funds rate environment. The loan-to-deposit ratio sits at 65 %, well below the industry average of ~80 %, indicating a conservative funding profile.
Sector drivers that will likely impact AMTB’s performance include: (1) the Federal Reserve’s monetary-policy stance-higher rates boost NIM but can suppress loan demand, especially in commercial real-estate; (2) regional housing market dynamics in Florida and Texas, where strong population inflows support mortgage and consumer loan growth; and (3) the ongoing consolidation trend among midsize banks, which could create acquisition opportunities or pricing pressure.
For a deeper, data-driven look at how these factors translate into valuation expectations, consider reviewing Amerant Bancorp’s profile on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 2.0
| Net Income (66.6m TTM) > 0 and > 6% of Revenue (6% = 39.2m TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA 1.86pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1176 % (prev -1362 %; Δ 185.9pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 178.0m > Net Income 66.6m (YES >=105%, WARN >=100%) |
| Net Debt (411.4m) to EBITDA (88.6m) ratio: 4.64 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.08 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (41.8m) change vs 12m ago 23.65% (target <= -2.0% for YES) |
| Gross Margin 54.94% (prev 39.34%; Δ 15.61pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 6.29% (prev 5.27%; Δ 1.01pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.34 (EBITDA TTM 88.6m / Interest Expense TTM 245.0m) >= 6 (WARN >= 3) |
Altman Z'' -4.52
| (A) -0.74 = (Total Current Assets 626.0m - Total Current Liabilities 8.30b) / Total Assets 10.41b |
| (B) 0.06 = Retained Earnings (Balance) 620.5m / Total Assets 10.41b |
| (C) 0.01 = EBIT TTM 82.3m / Avg Total Assets 10.38b |
| (D) 0.07 = Book Value of Equity 617.7m / Total Liabilities 9.47b |
| Total Rating: -4.52 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 59.31
| 1. Piotroski 2.0pt |
| 2. FCF Yield 13.68% |
| 3. FCF Margin 26.78% |
| 4. Debt/Equity 1.10 |
| 5. Debt/Ebitda 4.64 |
| 6. ROIC - WACC (= -3.20)% |
| 7. RoE 7.27% |
| 8. Rev. Trend 80.90% |
| 9. EPS Trend -29.83% |
What is the price of AMTB shares?
Over the past week, the price has changed by -1.56%, over one month by +17.21%, over three months by -2.11% and over the past year by -8.39%.
Is AMTB a buy, sell or hold?
- Strong Buy: 1
- Buy: 1
- Hold: 3
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the AMTB price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 21.3 | 5.4% |
| Analysts Target Price | 21.3 | 5.4% |
| ValueRay Target Price | 20.1 | -0.5% |
AMTB Fundamental Data Overview December 16, 2025
P/E Trailing = 11.907
P/E Forward = 11.4548
P/S = 2.2324
P/B = 0.8944
Beta = 1.023
Revenue TTM = 652.5m USD
EBIT TTM = 82.3m USD
EBITDA TTM = 88.6m USD
Long Term Debt = 925.6m USD (from longTermDebt, last quarter)
Short Term Debt = 59.8m USD (from shortTermDebt, last fiscal year)
Debt = 1.04b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 411.4m USD (from netDebt column, last quarter)
Enterprise Value = 1.28b USD (867.3m + Debt 1.04b - CCE 626.0m)
Interest Coverage Ratio = 0.34 (Ebit TTM 82.3m / Interest Expense TTM 245.0m)
FCF Yield = 13.68% (FCF TTM 174.7m / Enterprise Value 1.28b)
FCF Margin = 26.78% (FCF TTM 174.7m / Revenue TTM 652.5m)
Net Margin = 10.21% (Net Income TTM 66.6m / Revenue TTM 652.5m)
Gross Margin = 54.94% ((Revenue TTM 652.5m - Cost of Revenue TTM 294.0m) / Revenue TTM)
Gross Margin QoQ = 56.26% (prev 60.72%)
Tobins Q-Ratio = 0.12 (Enterprise Value 1.28b / Total Assets 10.41b)
Interest Expense / Debt = 5.66% (Interest Expense 58.6m / Debt 1.04b)
Taxrate = 22.37% (4.25m / 19.0m)
NOPAT = 63.9m (EBIT 82.3m * (1 - 22.37%))
Current Ratio = 0.08 (Total Current Assets 626.0m / Total Current Liabilities 8.30b)
Debt / Equity = 1.10 (Debt 1.04b / totalStockholderEquity, last quarter 944.9m)
Debt / EBITDA = 4.64 (Net Debt 411.4m / EBITDA 88.6m)
Debt / FCF = 2.35 (Net Debt 411.4m / FCF TTM 174.7m)
Total Stockholder Equity = 916.5m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.64% (Net Income 66.6m / Total Assets 10.41b)
RoE = 7.27% (Net Income TTM 66.6m / Total Stockholder Equity 916.5m)
RoCE = 4.47% (EBIT 82.3m / Capital Employed (Equity 916.5m + L.T.Debt 925.6m))
RoIC = 3.54% (NOPAT 63.9m / Invested Capital 1.80b)
WACC = 6.73% (E(867.3m)/V(1.90b) * Re(9.53%) + D(1.04b)/V(1.90b) * Rd(5.66%) * (1-Tc(0.22)))
Discount Rate = 9.53% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 11.78%
[DCF Debug] Terminal Value 64.04% ; FCFE base≈174.7m ; Y1≈114.7m ; Y5≈52.5m
Fair Price DCF = 19.54 (DCF Value 819.6m / Shares Outstanding 42.0m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: -29.83 | EPS CAGR: -7.38% | SUE: -1.17 | # QB: 0
Revenue Correlation: 80.90 | Revenue CAGR: 21.81% | SUE: 0.89 | # QB: 4
EPS next Quarter (2026-03-31): EPS=0.49 | Chg30d=-0.015 | Revisions Net=-3 | Analysts=4
EPS next Year (2026-12-31): EPS=2.18 | Chg30d=-0.074 | Revisions Net=-2 | Growth EPS=+30.6% | Growth Revenue=+2.1%
Additional Sources for AMTB Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle