Amerant Bancorp (AMTB) AI Stock Analysis

• Market Cap: $707.71M
• Dividend Yield: 2.03%
• Average Volume (3M): 197.53K
• Price to Earnings (P/E): 10.8
• Beta (1Y): 1.24
• Revenue Growth: 15.37%
• EPS Growth: N/A
• Country: US
• Employees: 77
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.39
• Shares Outstanding: 41,265,602
• 10 Day Avg. Volume: 210,539
• 30 Day Avg. Volume: 197,531
• PEG Ratio: 0.35
• Price to Book (P/B): 0.90
• Price to Sales (P/S): 1.39
• P/FCF Ratio: 10.71
• Enterprise Value/Market Cap: 2.37
• Enterprise Value/Revenue: 2.56
• Enterprise Value/Gross Profit: 6.34
• Enterprise Value/Ebitda: 19.23
• 1Y Price Target: $21.00
• Price Target Upside: 22.88% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 54 Neutral
• Price Target: $18.00 ▲(5.32% Upside)

Amerant Bancorp's overall stock score reflects a company facing profitability challenges despite strong cash flow growth and improved leverage. The technical indicators suggest bearish momentum, and valuation metrics indicate potential overvaluation. The earnings call provided a mixed outlook, with strengths in net interest margin and capital strength offset by concerns over asset quality and loan growth.

Positive Factors

Net Interest Margin

A strong net interest margin indicates effective interest rate management and profitability from core banking operations, supporting long-term financial health.

International Banking Expansion

Expansion in international markets, particularly in Latin America, enhances growth potential and diversifies revenue streams, strengthening market position.

Cash Flow Growth

Robust free cash flow growth indicates strong cash generation ability, providing flexibility for investment and debt reduction, enhancing long-term stability.

Negative Factors

Increase in Nonperforming Assets

Rising nonperforming assets suggest deteriorating asset quality, which can lead to higher credit losses and impact profitability and capital adequacy.

Higher Provision for Credit Losses

Increased credit loss provisions reflect potential future loan defaults, which can strain financial resources and reduce net income, affecting long-term profitability.

Decline in Loan Growth

A decline in loan growth can limit revenue expansion and market share, impacting the bank's ability to capitalize on interest income opportunities.

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 and internationally. The company offers checking, savings, and money market accounts; and certificates of deposits. It also provides variable and fixed rate commercial real estate loans; loans secured by owner-occupied properties; loans to domestic and foreign individuals primarily secured by personal residence; working capital loans, asset-based lending, participations in shared national credits, purchased receivables, and small business administration loans; loans to financial institutions and acceptances; and consumer loans and overdrafts, such as automobile, personal, or loans secured by cash or securities and revolving credit card agreements. In addition, the company offers trust and estate planning products and services to high-net-worth customers, brokerage and investment advisory services in global capital markets, and wealth management and fiduciary services. Further, it provides debit and credit cards, night depositories, direct deposits, cashier's checks, safe deposit boxes, letters of credit, and treasury management services, including wire transfer, remote deposit capture, and automated clearinghouse services; derivative instruments; and online and mobile banking, account balances, statements and other documents, online transfers and bill payment, and electronic delivery of customer statements services, as well as automated teller machines, and banking by mobile devices, telephone, and mail. As of December 31, 2021, the company operated 24 banking centers comprising 17 in Florida and 7 in Texas. It also operates loan production offices in Tampa, Florida. The company was formerly known as Mercantil Bank Holding Corporation and changed its name to Amerant Bancorp Inc. in June 2019. Amerant Bancorp Inc. was founded in 1979 and is headquartered in Coral Gables, Florida.

How the Company Makes Money

Amerant Bancorp generates revenue primarily through interest income from loans and investment securities, along with non-interest income from fees and services. The key revenue streams include interest earned on commercial and residential loans, which typically constitute a significant portion of their earnings. Additionally, the bank earns fees through various financial services, such as account maintenance fees, transaction fees, and wealth management services. The company also benefits from net interest margin, which is the difference between interest income generated and interest paid on deposits. Partnerships with local businesses and community organizations enhance its customer base and revenue potential, while its strategic focus on the Hispanic market in the U.S. positions it well for growth in underserved demographics.

Amerant Bancorp Financial Statement Overview

Summary

Amerant Bancorp's financial performance shows mixed results. While there is growth in revenue and free cash flow, profitability remains a challenge with low net profit margins and return on equity. The balance sheet indicates improved leverage, enhancing financial stability. The strong growth in free cash flow suggests potential for future improvement.

Income Statement

Amerant Bancorp's income statement shows a mixed performance. The TTM (Trailing-Twelve-Months) data indicates a slight revenue growth of 1.025%, but the net profit margin remains low at 0.63%. The gross profit margin is relatively healthy at 47.14%, yet the EBIT and EBITDA margins are minimal, reflecting challenges in operational efficiency. The company has shown improvement from previous periods, moving from negative to positive net income, but profitability remains a concern.

Balance Sheet

The balance sheet reflects a stable equity base with a debt-to-equity ratio of 1.05, showing a decrease from previous years, which is a positive sign of reduced leverage. However, the return on equity is low at 0.41%, indicating limited profitability relative to shareholder equity. The equity ratio is not explicitly calculated, but the overall asset base appears stable. The company has made progress in reducing debt levels, which enhances financial stability.

Cash Flow

Cash flow analysis reveals strong growth in free cash flow, with a significant increase of 64.29% in the TTM period. The operating cash flow to net income ratio is low at 0.019, suggesting potential issues in converting income into cash. However, the free cash flow to net income ratio is high at 0.96, indicating effective cash generation relative to net income. Overall, cash flow management appears robust, with a positive trajectory in free cash flow growth.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	653.14M	574.92M	551.02M	387.07M	307.75M	333.77M
Gross Profit	264.38M	244.83M	267.63M	301.01M	281.55M	174.15M
EBITDA	87.13M	-17.48M	48.17M	84.47M	151.29M	5.05M
Net Income	70.85M	-15.75M	32.49M	63.31M	112.92M	-1.72M
Balance Sheet
Total Assets	10.41B	9.90B	9.72B	9.13B	7.64B	7.77B
Cash, Cash Equivalents and Short-Term Investments	2.17B	2.00B	1.51B	1.31B	1.45B	1.44B
Total Debt	1.04B	1.00B	921.33M	1.20B	1.07B	1.17B
Total Liabilities	9.47B	9.01B	8.98B	8.42B	6.81B	6.99B
Stockholders Equity	944.94M	890.47M	736.07M	707.82M	834.48M	783.42M
Cash Flow
Free Cash Flow	151.00M	74.79M	15.79M	-59.79M	60.85M	51.67M
Operating Cash Flow	155.34M	82.19M	26.72M	-49.16M	67.43M	57.25M
Investing Cash Flow	-723.49M	-576.66M	-606.62M	-1.40B	385.32M	286.34M
Financing Cash Flow	533.14M	762.96M	611.17M	1.46B	-392.93M	-250.52M

Amerant Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 17.09
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AMTB, the sentiment is Negative. The current price of 17.09 is below the 20-day moving average (MA) of 17.58, below the 50-day MA of 19.18, and below the 200-day MA of 19.49, indicating a bearish trend. The MACD of -0.60 indicates Negative momentum. The RSI at 41.35 is Neutral, neither overbought nor oversold. The STOCH value of 67.54 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for AMTB.

Amerant Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
AMAL	78 Outperform	$834.33M	8.38	13.88%	2.01%	4.33%	-2.20%
UVSP	75 Outperform	$841.46M	9.89	9.61%	2.94%	4.49%	20.44%
NBN	69 Neutral	$680.10M	8.02	19.62%	0.05%	33.22%	38.44%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SBSI	60 Neutral	$865.60M	12.50	8.53%	5.00%	-4.08%	-16.80%
CFFN	57 Neutral	$822.70M	11.91	6.54%	5.48%	6.27%	79.32%
AMTB	54 Neutral	$707.71M	10.82	7.21%	2.03%	15.37%	―

Amerant Bancorp Corporate Events

Amerant Bancorp Reports Q3 2025 Financial Results

Amerant Bancorp Inc., a bank holding company headquartered in Coral Gables, Florida, operates through its subsidiaries to provide deposit, credit, and wealth management services primarily in the banking sector. In its third-quarter 2025 earnings report, Amerant Bancorp Inc. announced a net income of $14.8 million, a decrease from the previous quarter’s $23.0 million. The company emphasized its focus on improving asset quality over growth, with plans to reduce non-performing loans and resume share buybacks. Key financial metrics included total assets of $10.4 billion, a slight increase from the previous quarter, and a net interest margin of 3.92%, up from 3.81%. Despite a decrease in total gross loans to $6.9 billion, the company saw an increase in investment securities to $2.3 billion. The provision for credit losses rose significantly to $14.6 million, reflecting the company’s proactive approach to asset quality. Looking ahead, Amerant Bancorp Inc. anticipates a return to loan growth in the fourth quarter, with continued efforts to enhance financial performance through strategic initiatives.

Amerant Bancorp’s Earnings Call: Balancing Growth and Risk

Amerant Bancorp Inc. Class A’s recent earnings call painted a picture of both strength and caution. The company reported a robust net interest margin and solid capital strength, but also faced challenges with increased nonperforming assets and a decline in loan growth. While there were positive strides in international banking and capital management, a focus on asset quality and expense management signaled a cautious outlook moving forward.

Amerant Bancorp Reports Q3 2025 Earnings Decline

On October 28, 2025, Amerant Bancorp reported a net income of $14.8 million for the third quarter of 2025, a decrease from the previous quarter’s $23.0 million. The company is focusing on reducing non-performing loans and plans to resume share buybacks and implement expense reductions to improve results. Total assets increased slightly to $10.4 billion, while total gross loans decreased to $6.9 billion. The company declared a cash dividend of $0.09 per share, payable on November 28, 2025.

The most recent analyst rating on (AMTB) stock is a Buy with a $26.00 price target. To see the full list of analyst forecasts on Amerant Bancorp stock, see the AMTB Stock Forecast page.

Amerant Bancorp Reschedules Earnings Release to October 28

On October 22, 2025, Amerant Bancorp announced the rescheduling of its third quarter 2025 earnings release and investor conference call to October 28, 2025, to complete its customary review process. Additionally, the company’s Board of Directors declared a cash dividend of $0.09 per share, payable on November 28, 2025, to shareholders of record on November 14, 2025.

The most recent analyst rating on (AMTB) stock is a Hold with a $19.50 price target. To see the full list of analyst forecasts on Amerant Bancorp stock, see the AMTB Stock Forecast page.

Amerant Bancorp Announces Executive Leadership Change

On September 3, 2025, Amerant Bancorp Inc. announced that Juan Esterripa, the Senior Executive Vice-President and Chief Commercial Banking Officer, will step down from his position. The responsibilities of Mr. Esterripa will be temporarily taken over by the Company’s Chairman and Chief Executive Officer, while the final terms of his separation are being finalized.

The most recent analyst rating on (AMTB) stock is a Hold with a $21.50 price target. To see the full list of analyst forecasts on Amerant Bancorp stock, see the AMTB Stock Forecast page.