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Amerant Bancorp
(NYSE:AMTB)
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Rating:65Neutral
Price Target:
$32.00
â–²(11.73% Upside)
Action:Reiterated
Date:10/23/26
AMTB scores as moderately attractive overall, led by a constructive technical uptrend and a clearly improved earnings narrative (stronger profitability metrics, better efficiency, and positive guidance). The score is held back by uneven underlying fundamentals—particularly the sharp TTM revenue contraction, cash-flow variability, and some balance-sheet/credit and funding-cost headwinds—while valuation (P/E ~20.9 and ~1.24% yield) provides limited support.
Positive Factors
Improving net interest income and margin
Higher net interest income and a wider margin show that loan and investment yields, repricing, and lower funding costs are improving the bank’s core earnings engine. If maintained, this strengthens recurring profitability and provides greater capacity to absorb credit costs or reinvest in growth.
Negative Factors
Sharp revenue contraction
The steep trailing revenue decline shows that the recent earnings recovery has not yet translated into broad top-line momentum. A modest operating margin leaves less protection if loan growth, asset yields, or fee income weaken, making sustained profitability more dependent on execution and cost control.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving net interest income and margin
Higher net interest income and a wider margin show that loan and investment yields, repricing, and lower funding costs are improving the bank’s core earnings engine. If maintained, this strengthens recurring profitability and provides greater capacity to absorb credit costs or reinvest in growth.
Read all positive factors
Amerant Bancorp (AMTB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.18B
Dividend Yield1.2%
Average Volume (3M)383.31K
Price to Earnings (P/E)17.6
Beta (1Y)0.88
Revenue Growth-8.09%
EPS Growth6.96%
CountryUS
Employees694
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.71
Shares Outstanding39,189,857
10 Day Avg. Volume421,508
30 Day Avg. Volume383,313
Financial Highlights & Ratios
PEG Ratio-0.04
Price to Book (P/B)0.85
Price to Sales (P/S)1.22
P/FCF Ratio8.15
Enterprise Value/Market Cap1.73
Enterprise Value/Revenue3.63
Enterprise Value/Gross Profit5.39
Enterprise Value/Ebitda14.28
Forecast
1Y Price Target
$32.67Price Target Upside14.06% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)2.2
Revenue Forecast (FY)$406.53M
Amerant Bancorp Business Overview & Revenue Model
Company Description
Amerant Bancorp Inc. operates as the bank holding company for Amerant Bank, N.A. that provides banking products and services to individuals and businesses in the United States. The company offers checking, savings, business, and money market accou...
How the Company Makes Money
Amerant Bancorp primarily makes money through traditional banking activities. The largest driver of earnings is net interest income: the company earns interest and fees on loans (e.g., commercial loans, commercial real estate loans, and residentia...
Amerant Bancorp Earnings Call Summary
Earnings Call Date:Oct 22, 2026
(Q3-2026)
| % Change Since: |
Next Earnings Date:Jan 27, 2027
Earnings Call Sentiment Positive
The call was predominantly positive. Management reported higher net income, expanded net interest margin, improved ROA and ROE, stronger efficiency, loan growth, declining nonperforming and criticized loans, growing assets under management, and strong capital with expanded shareholder return capacity. The main challenges were lower deposits and total assets, higher credit-loss provisions, unrealized losses affecting tangible common equity, expected funding-cost pressure, and a modest increase in future expenses. Management characterized the quarter as evidence of a stronger foundation and continued momentum.Positive Updates
Higher Net Income and 1% Return on Assets
Third-quarter net income increased to $25.7 million, or $0.65 per diluted share, and return on assets reached 1%. Management attributed the progress to stronger net interest income and margin expansion, disciplined expense management, balance sheet optimization, and improving credit quality.
Negative Updates
Lower Total Assets
Total assets decreased to $10.2 billion from $10.3 billion in the second quarter, primarily driven by lower interest-bearing deposits.
Read all updates
Q3-2026 Updates
Positive
Negative
Higher Net Income and 1% Return on Assets
Third-quarter net income increased to $25.7 million, or $0.65 per diluted share, and return on assets reached 1%. Management attributed the progress to stronger net interest income and margin expansion, disciplined expense management, balance sheet optimization, and improving credit quality.
Read all positive updates
Company Guidance
For the fourth quarter of 26, Amerant expects total loans to reach approximately $7.3 billion, total deposits to approximately $8.5 billion, net interest margin to be in the range of 3.65% to 3.70%, non interest expense to be approximately $68 million, and gross charge offs to be in the range of 30 basis to 35 basis points; expected deposit growth could be a mix of 60/40, 60 coming from the international side and 40 from the domestic side. The company is making progress toward a target efficiency ratio of approximately 60%, has modeled 1 rate hike happening in December, and said NIM would be closer to the $3.70 if rate hikes happen and closer to the $3.65 if rates are stable. For early 27, expenses are expected around $69.5 million to almost $70 million, with a run rate closer to the 69.5 to 70, while 1% ROA is a new baseline; the Board also authorized a share repurchase program for up to $50 million through 12/31/2027.Amerant Bancorp Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
55
Neutral
Cash Flow
58
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 561.82M | 655.25M | 574.92M | 551.02M | 387.07M | 307.75M |
| Gross Profit | 378.87M | 375.91M | 244.83M | 267.63M | 301.01M | 281.55M |
| EBITDA | 142.85M | 70.77M | -17.48M | 48.17M | 84.47M | 151.29M |
| Net Income | 72.40M | 52.42M | -15.75M | 32.49M | 63.31M | 112.92M |
Balance Sheet | ||||||
| Total Assets | 10.21B | 9.78B | 9.90B | 9.72B | 9.13B | 7.64B |
| Cash, Cash Equivalents and Short-Term Investments | 2.53B | 2.50B | 2.00B | 1.51B | 1.31B | 1.45B |
| Total Debt | 971.40M | 1.04B | 1.00B | 921.33M | 1.20B | 1.07B |
| Total Liabilities | 9.37B | 8.84B | 9.01B | 8.98B | 8.42B | 6.81B |
| Stockholders Equity | 840.82M | 938.80M | 890.47M | 736.07M | 707.82M | 834.48M |
Cash Flow | ||||||
| Free Cash Flow | 305.43M | 97.96M | 74.79M | 15.79M | -59.79M | 60.85M |
| Operating Cash Flow | 310.64M | 100.50M | 82.19M | 26.72M | -49.16M | 67.43M |
| Investing Cash Flow | 453.29M | -501.10M | -576.66M | -606.62M | -1.40B | 385.32M |
| Financing Cash Flow | -631.17M | 441.10M | 762.96M | 611.17M | 1.46B | -392.93M |
Amerant Bancorp Technical Analysis
Positive
28.64
Price Trends
29.10
Positive
27.55
Positive
24.79
Positive
Market Momentum
0.09
Negative
61.08
Neutral
80.28
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AMTB, the sentiment is Positive. The current price of 28.64 is below the 20-day moving average (MA) of 29.08, below the 50-day MA of 29.10, and above the 200-day MA of 24.79, indicating a bullish trend. The MACD of 0.09 indicates Negative momentum. The RSI at 61.08 is Neutral, neither overbought nor oversold. The STOCH value of 80.28 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AMTB.
Amerant Bancorp Risk Analysis
Amerant Bancorp disclosed 50 risk factors in its most recent earnings report. Amerant Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Amerant Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $1.26B | 9.68 | 16.84% | 3.00% | -0.13% | 9.53% | |
75 Outperform | $864.73M | 13.81 | 11.12% | 2.12% | -0.70% | 2.48% | |
75 Outperform | $953.22M | 10.75 | 11.20% | 3.45% | 4.08% | 38.09% | |
72 Outperform | $369.30M | 12.53 | 13.36% | 2.53% | 2.71% | 0.28% | |
71 Outperform | $1.20B | 9.75 | 12.32% | 1.23% | 11.92% | 70.43% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $1.18B | 17.62 | 8.03% | 1.19% | -8.09% | 6.96% |
* Financial Sector Average
AMTB
Amerant Bancorp
30.06
12.81
74.28%
CCBG
Capital City Bank
50.53
11.15
28.30%
HAFC
Hanmi Financial
32.15
5.98
22.86%
PFBC
Preferred Bank
106.72
16.25
17.96%
MCB
Metropolitan Bank Holding
96.88
28.80
42.31%
USCB
USCB Financial Holdings, Inc. Class A
19.99
3.04
17.93%
Amerant Bancorp Corporate Events
Business Operations and StrategyStock BuybackDividendsFinancial DisclosuresPrivate Placements and Financing
Amerant Bancorp Declares Quarterly Cash Dividend to Shareholders
Positive
Oct 22, 2026
In the third quarter of 2026, Amerant Bancorp reported net income of $25.7 million, or $0.65 per diluted share, up from $21.0 million, or $0.53 per diluted share, in the prior quarter. The improvement was driven by stronger net interest income, a ...
Business Operations and StrategyPrivate Placements and FinancingRegulatory Filings and Compliance
Amerant Bancorp Prices Senior Notes Offering to 2031
Positive
Sep 17, 2026
On September 14, 2026, Amerant Bancorp Inc. launched a registered public offering of unsecured, unsubordinated senior notes due 2031, followed by pricing on September 15 and closing on September 17. The notes, which rank pari passu with the compan...
Business Operations and StrategyExecutive/Board ChangesRegulatory Filings and Compliance
Amerant Bancorp Solidifies CEO Leadership With New Agreement
Positive
Sep 8, 2026
On September 4, 2026, Amerant Bancorp Inc. and Amerant Bank, N.A. formalized a three-year employment agreement with President and CEO Carlos Iafigliola, who has led both entities since May 18, 2026 and will continue to serve as a director, reinfor...
Business Operations and StrategyFinancial Disclosures
Amerant Bancorp Highlights Strategic Execution and Cost Efficiencies
Positive
Sep 1, 2026
Amerant Bancorp Inc. prepared an investor presentation dated August 31, 2026, to be shown to current and prospective investors starting September 2, 2026, outlining its strategic execution and financial profile. The company highlighted its scalabl...
Business Operations and StrategyStock BuybackDividendsFinancial Disclosures
Amerant Bancorp Declares Dividend Amid Strong Q2 Results
Positive
Jul 23, 2026
Amerant Bancorp reported that in the second quarter of 2026 it generated net income of $21.0 million, or $0.53 per diluted share, up from $17.9 million, or $0.44 per diluted share, in the first quarter of 2026, reflecting stronger profitability an...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.