AMTB

Amerant Bancorp Inc.

Fundamental data last updated:June 6, 2026

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company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

NYSE

County of HQ

US

Next Earnings Date

07/22/2026

Business Summary

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.

 


VALUATION

P/E

14.25

Market Cap ($M USD)

$881.94M

Forward P/E

10.76

PEG

0.33

PRICE TO SALES

1.38

PRICE TO BOOK

0.99

EV / EBITDA

22.97

5-Year Average P/E

Free Cash Flow Yield

13.76%

DCF Value

$3.37

Graham Number

$28.32

Price to FCF

7.27

EV to FCF

14.51

Earnings Yield

7.02%

FCF Yield

13.76%

DIVIDEND

Yield

1.61%

Annual Payout

$0.36

Payout Ratio

23.53%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$1.57

Next Year EPS Growth Estimate

$2.08

Next Year Revenue Growth Estimate

$41.39B

Return on Equity (ROE)

6.81%

FREE CASH FLOW

Operating Margin

11.55%

Debt-to-Equity

1.11

Piotroski F-Score

9

Altman Z-Score

0.24

Return on Invested Capital (ROIC)

0.75%

Current Ratio

3.17

Quick Ratio

3.17

Net Debt to EBITDA

11.47

Interest Coverage

0.32

Gross Profit margin

59.08%

FCF PER SHARE

$3.01

REVENUE PER SHARE

$15.82

Gainseekers Quantitative Analysis

Summary

AMTB Amerant Bancorp Inc. appears to be significantly undervalued when juxtaposed with its DCF Value and Graham Number. The market’s current pricing suggests a disconnect, as the stock traded below its intrinsic value estimates. With a Forward P/E of 11.25 and an Earnings Yield of 6.71%, the stock offers a compelling case for growth at a reasonable price. However, the Altman Z-score of 0.25 raises red flags about financial distress, indicating potential risks. Overall, the valuation metrics suggest a mixed picture of opportunity and caution.

AI Exposure / Tech Reliance

Operating in the regional banking sector, AMTB is positioned to leverage AI and tech advancements to enhance customer service and streamline operations. However, the traditional nature of banking may limit rapid tech adoption. The company's resilience will depend on its ability to integrate these technologies effectively.

The Bull Case

For the value-driven investor, AMTB offers a tantalizing proposition. The Piotroski F-Score of 9 signals robust financial health, while a strong FCF Yield of 13.16% underscores its cash-generating prowess. The company’s operating margin of 11.55% and a reasonable ROIC of 0.75% suggest efficient capital use. These metrics paint a picture of a bank with solid pricing power and operational efficiency, making it an attractive buy for those seeking growth at a discount.

The Bear Case

Despite some strengths, AMTB faces significant structural risks. The Net Debt to EBITDA ratio of 11.47 is alarmingly high, indicating potential leverage issues. Additionally, the stock's proximity to its 52-week high suggests it may be technically overextended. The low Altman Z-score further exacerbates concerns about financial stability, making it a risky bet for cautious investors.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Hold

Average Analyst Price Target

$24.00

Institutional Ownership %

1-Year Beta

0.90

Insider Buying % (6 Mo)

Distance to 52-Week High

8.79%

Distance to 52-Week Low

30.30%

EARNINGS SURPRISE %

2.33%

50-DAY SMA

$22.73

200-DAY SMA

$20.73

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.