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Amerant Bancorp
(NYSE:AMTB)
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Rating:68Neutral
Price Target:
$32.00
▲(11.73% Upside)
Action:Reiterated
Date:09/06/26
AMTB scores as moderately attractive. The biggest positives are strong technical uptrend/momentum and a constructive earnings-call outlook with specific growth, efficiency, and capital-return targets. Offsetting those are only mid-level financial statement strength due to revenue contraction, cash-flow volatility, and balance-sheet leverage data ambiguity, plus a valuation that is not especially cheap (P/E 21.26) with only a modest dividend yield (~1.21%).
Positive Factors
Deposit Growth
Strong deposit and core-funding growth expands the bank’s capacity to support loan growth while helping control funding costs. A larger base of relationship and non-interest-bearing deposits can provide a durable funding advantage and support net interest income over coming quarters.
Negative Factors
Revenue Contraction
The substantial trailing revenue decline shows that the earnings recovery has not yet been matched by durable top-line momentum. Modest operating margins leave less protection if loan growth, asset yields, or fee income remain under pressure over the next several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Deposit Growth
Strong deposit and core-funding growth expands the bank’s capacity to support loan growth while helping control funding costs. A larger base of relationship and non-interest-bearing deposits can provide a durable funding advantage and support net interest income over coming quarters.
Read all positive factors
Amerant Bancorp (AMTB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.16B
Dividend Yield1.21%
Average Volume (3M)401.52K
Price to Earnings (P/E)21.3
Beta (1Y)0.93
Revenue Growth5.13%
EPS GrowthN/A
CountryUS
Employees694
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.40
Shares Outstanding39,189,857
10 Day Avg. Volume265,663
30 Day Avg. Volume401,522
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$30.33Price Target Upside5.91% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)2.09
Revenue Forecast (FY)$403.25M
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 its banking subsidiary by earning interest income and generating fee-based (noninterest) income. (1) Net interest income: The bank earns interest and fees on loans and other interest-earning assets (e....
Amerant Bancorp Earnings Call Summary
Earnings Call Date:Jul 23, 2026
(Q2-2026)
| % Change Since: |
Next Earnings Date:Oct 15, 2026
Earnings Call Sentiment Positive
The call communicated clear progress across multiple fronts: asset and deposit growth, improved profitability (EPS, ROA, ROE), tangible reductions in problem loan buckets, and maintained capital with ongoing shareholder returns. Management provided concrete guidance and emphasized strategic initiatives (credit transformation, efficiency, relationship-first growth) with identified near-term levers (low-cost international deposits, AI-driven efficiency, cost-savings expected in Q4). Offsetting items include modest NIM compression from tighter origination spreads, a rise in non-interest expense, some charge-offs and reserve allocations, dependence on Venezuelan deposit inflows (concentration risk), and AUM headwinds. Overall, the positive operational and credit trends and explicit guidance outweigh the noted challenges, but execution risk remains around margins, expense reduction to reach the efficiency target, and concentration exposure.Positive Updates
Balance Sheet Growth
Total assets rose to $10.3 billion from $9.9 billion in Q1 (≈$0.4B increase, ~4.0% QoQ). Management expects to remain above the $10 billion threshold by year-end 2026.
Negative Updates
Modest NIM Compression and Lower Loan Yields
Net interest margin declined slightly to 3.52% from 3.55% QoQ (down ~3 bps). Management noted originations face tighter spreads due to competitive pricing, which limits NIM upside despite lower funding costs.
Read all updates
Q2-2026 Updates
Positive
Negative
Balance Sheet Growth
Total assets rose to $10.3 billion from $9.9 billion in Q1 (≈$0.4B increase, ~4.0% QoQ). Management expects to remain above the $10 billion threshold by year-end 2026.
Read all positive updates
Company Guidance
Guidance emphasized measurable near-term targets and drivers: total loans are expected to reach about $7.3 billion by Q4 2026 (from $6.9B in 2Q), total deposits to about $9.1 billion by Q4 (up from $8.4B in 2Q, with ~ $500M of Q2 deposit growth tied to Venezuela), and net interest margin roughly 3.50% for the remainder of the year (2Q NII $82.6M, NIM 3.52%). Expense guidance calls for 3Q in line with 2Q non‑interest expense ($68.9M) and 4Q expense of $66–67M as the bank pursues a target efficiency ratio of ~60% (2Q efficiency 68.37%). Credit guidance includes an allowance for credit losses of 1.27% (up from 1.21%), expected gross charge‑offs of ~25–30 bps, and continued reduction in special mention/classified loans; capital remains strong with CET1 ~11.94% (11.84% prior quarter), ROA/Roe improving toward a 1.0% ROA goal (2Q ROA 0.84%, ROE 9.23%), and ongoing shareholder returns (690k shares repurchased in 2Q for ~$16M at $23.29, ~$6M repurchase capacity remaining, and a $0.09 quarterly dividend).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 | 569.18M | 655.25M | 574.92M | 551.02M | 387.07M | 307.75M |
| Gross Profit | 370.18M | 375.91M | 244.83M | 267.63M | 301.01M | 281.55M |
| EBITDA | 77.50M | 70.77M | -17.48M | 48.17M | 84.47M | 151.29M |
| Net Income | 61.44M | 52.42M | -15.75M | 32.49M | 63.31M | 112.92M |
Balance Sheet | ||||||
| Total Assets | 10.29B | 9.78B | 9.90B | 9.72B | 9.13B | 7.64B |
| Cash, Cash Equivalents and Short-Term Investments | 41.04M | 2.50B | 2.00B | 1.51B | 1.31B | 1.45B |
| Total Debt | 912.09M | 1.04B | 1.00B | 921.33M | 1.20B | 1.07B |
| Total Liabilities | 9.38B | 8.84B | 9.01B | 8.98B | 8.42B | 6.81B |
| Stockholders Equity | 914.37M | 938.80M | 890.47M | 736.07M | 707.82M | 834.48M |
Cash Flow | ||||||
| Free Cash Flow | 329.14M | 97.96M | 74.79M | 15.79M | -59.79M | 60.85M |
| Operating Cash Flow | 333.34M | 100.50M | 82.19M | 26.72M | -49.16M | 67.43M |
| Investing Cash Flow | 377.35M | -501.10M | -576.66M | -606.62M | -1.40B | 385.32M |
| Financing Cash Flow | -583.91M | 441.10M | 762.96M | 611.17M | 1.46B | -392.93M |
Amerant Bancorp Technical Analysis
Positive
28.64
Price Trends
27.75
Positive
25.38
Positive
23.12
Positive
Market Momentum
0.36
Positive
64.91
Neutral
91.30
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 28.89, above the 50-day MA of 27.75, and above the 200-day MA of 23.12, indicating a bullish trend. The MACD of 0.36 indicates Positive momentum. The RSI at 64.91 is Neutral, neither overbought nor oversold. The STOCH value of 91.30 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 | $1.47B | 12.97 | 14.12% | 1.32% | 9.56% | 12.20% | |
74 Outperform | $1.17B | 12.13 | 10.41% | 2.13% | 2.41% | 26.67% | |
68 Neutral | $1.16B | 21.26 | 6.62% | 1.21% | 5.13% | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $1.11B | 13.65 | 8.01% | 4.28% | 7.53% | 38.21% | |
67 Neutral | $978.60M | 12.93 | 8.89% | 4.42% | -4.09% | -9.75% | |
66 Neutral | $1.14B | 10.28 | 19.35% | 0.03% | 9.28% | 25.70% |
* Financial Sector Average
AMTB
Amerant Bancorp
29.68
8.58
40.69%
CFFN
Capitol Federal Financial
8.87
2.72
44.34%
NBN
Northeast Bancorp
132.86
22.67
20.57%
SBSI
Southside Bancshares
32.83
3.43
11.67%
UVSP
Univest Of Pennsylvania
42.35
11.76
38.46%
AMAL
Amalgamated Bank
49.17
20.73
72.88%
Amerant Bancorp Corporate Events
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...
Executive/Board Changes
Amerant Bancorp Announces Retirement of Chief Risk Officer
Neutral
Jun 25, 2026
On June 24, 2026, Amerant Bancorp Inc. announced that Senior Executive Vice President and Chief Risk Officer Alberto Capriles plans to retire from the company and its subsidiary, Amerant Bank, N.A., effective upon the appointment of his successor....
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.