AMTB

Amerant Bancorp

Fundamental data last updated:April 13, 2026

company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

NYSE

County of HQ

United States

Next Earnings Date

04/23/26

Business Summary

Contango Silver & Gold operates as a precious metals exploration and production company, generating revenue by extracting and selling gold and silver into global commodity markets. Cash flow is driven by production volumes multiplied by realized commodity prices, leaving margins highly sensitive to input costs and metal pricing cycles. The competitive moat, if any, comes from control of mineral rights and operational execution in specific mining districts rather than brand or pricing power. In this industry, scale efficiencies, reserve quality, and disciplined capital allocation determine survival more than innovation, making balance sheet strength the true strategic asset.

VALUATION

P/E

18.9

Market Cap ($M USD)

$998

Forward P/E

9

PEG

1

PRICE TO SALES

2.4

PRICE TO BOOK

1

EV / EBITDA

-

5-Year Average P/E

DIVIDEND

Yield

1.50%

Annual Payout

$0.36

Payout Ratio

28.60%

Consecutive Years of Dividend Growth

0

5-Year Dividend Growth Rate

-

Financial Health & Profitability

Earnings Per Share

$1.26

Next Year EPS Growth Estimate

$2.65

Next Year Revenue Growth Estimate

7.70%

Return on Equity (ROE)

5.60%

Operating Margin

27.70%

Debt-to-Equity

1

Piotroski F-Score

5

Altman Z-Score

0.2

Return on Invested Capital (ROIC)

15.50%%

Current Ratio

-

Quick Ratio

Gainseekers Quantitative Analysis

Summary

A Forward P/E of 4.8 would normally scream deep value, but paired with an Altman Z-Score of 0.7, this is not a bargain — it’s a balance sheet distress signal. The company is losing money at scale, with EPS of -24.3 and operating margin of -143.80%, which means the low forward multiple reflects survival risk, not growth optimism. A Current Ratio of 0.9 confirms tight liquidity, and ROIC of -48.70% shows capital is being destroyed, not compounded. This is a speculative turnaround priced like one, but the financial health metrics imply material bankruptcy risk rather than mispricing.

AI Exposure / Tech Reliance

As a gold producer in the Basic Materials sector, the company’s exposure to AI is indirect and limited to operational efficiencies such as exploration modeling and cost optimization. Gold itself may benefit from macro uncertainty tied to technological disruption, but that is a commodity tailwind, not a tech moat. This business will not be transformed by AI; it lives and dies by extraction economics and commodity prices.

The Bull Case

A deep value investor could argue that the Forward P/E of 4.8 prices in extreme pessimism while the Piotroski F-Score of 5 suggests the company is not in complete financial freefall. With a Market Cap of $711M, even modest operational stabilization could produce meaningful equity upside. Institutional Ownership at 39.50% indicates some professional capital is willing to underwrite the turnaround thesis. If losses narrow and the company converts projected improvements into positive earnings, the multiple could re-rate sharply given how compressed expectations already are.

The Bear Case

The red flags are severe and structural: operating margin of -143.80% signals a business that is not economically viable at current production levels. ROIC at -48.70% confirms capital is being incinerated, and EPS Next Year (Est.) of -$2.80 suggests losses persist. The Altman Z-Score of 0.7 places the firm deep in distress territory, while a Current Ratio of 0.9 implies liquidity pressure. With PEG Forward and Debt / Equity both listed as -, investors lack visibility into leverage and growth-adjusted valuation, which amplifies uncertainty rather than mitigating it.

Market Sentiment & Smart Money

Short Interest %

2.50%

Analyst Consensus

2

Average Analyst Price Target

$24.50

Institutional Ownership %

70.90%

1-Year Beta

0.94

Insider Buying % (6 Mo)

1.50%%

Distance to 52-Week High

97.70%%

Distance to 52-Week Low

152.40%%