AMTB Stock Analysis: Amerant Bancorp | NYSE
Banks - Regional | NYSE, USA | Market Cap: 1.143m USD | 12M Return: 47.5% | US0235761014 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 12.5M
Qual. Beats: 1
Rev. Trend: 64.2%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 7.9 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 bank holding company that operates Amerant Bank, N.A., providing a full range of banking products and services to individuals and businesses across the United States. The company is headquartered in Coral Gables, Florida, and was founded in 1979. It was previously known as Mercantil Bank Holding Corporation before adopting its current name in June 2019.
Amerants core deposit offerings include checking, savings, business, money market accounts, cash management services, and certificates of deposit. Its loan portfolio spans commercial real estate (both variable and fixed rate), owner-occupied, single-family residential, commercial loans, loans to financial institutions, and consumer loans such as automobile and personal loans, plus revolving credit card agreements. This diversified mix is typical of regional banks that serve both retail and commercial clients in their footprint.
Beyond traditional banking, Amerant provides wealth management and fiduciary services, including trust and estate planning for high net worth customers, brokerage, and investment advisory services in global capital markets. The company also supports retail mortgage lending.
Transaction and digital services round out the offering, including debit and credit cards, wire transfers, remote deposit capture, automated clearinghouse (ACH) services, letters of credit, safe deposit boxes, and online and mobile banking platforms. Amerant distributes these services through its network of banking centers, ATMs, mobile devices, telephone, and mail channels. As a small-cap U.S. regional bank within the Financials sector, Amerant combines community-oriented retail banking with commercial lending and wealth management operations.
- Florida commercial real estate loan concentration raises credit risk concerns
- Net interest margin compresses on rising deposit costs and Fed rate cuts
- Wealth management and brokerage fee growth diversifies revenue mix
| 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 August 19, 2026, the stock is trading at USD 29.16 with a total of 351,274 shares traded. Over the past week, the price has changed by +0.69%, over one month by +13.46%, over three months by +29.94% and over the past year by +47.51%.
Current recommended Stop Loss: 28.20 (which is 3.3% or 1.2 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 | 9.3% |
P/E Trailing = 20.8357
P/E Forward = 11.4548
P/S = 2.9214
P/B = 1.2502
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 = 15.46% (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 = 12.18% (E(1.14b)/V(2.17b) * Re(7.74%) + D(1.03b)/V(2.17b) * Rd(21.55%) * (1-Tc(0.21)))
Discount Rate = 7.74% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 66.14 | Cagr: 7.70%
[DCF] Terminal Value 66.61% ; FCFF base≈258.9m ; Y1≈296.8m ; Y5≈436.8m
[DCF] Fair Price = 74.56 (EV 3.91b - Net Debt 986.4m = Equity 2.92b / Shares 39.2m; r=12.18% [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=+19.47% | Revisions=+57% | Analysts=4
EPS current Year (2026-12-31): EPS=2.19 | Chg30d=+20.72% | Revisions=+57% | GrowthEPS=+26.3% | GrowthRev=-5.8%
EPS next Year (2027-12-31): EPS=2.77 | Chg30d=+27.71% | Revisions=+57% | GrowthEPS=+26.5% | GrowthRev=+7.0%
[Analyst] Revisions Ratio: +80% (up=12, down=0)