Amerant Bancorp Inc Class A (AMTB)
NYSE:AMTB
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Amerant Bancorp
(NYSE:AMTB)
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Rating:63Neutral
Price Target:
$24.50
▲(2.90% Upside)
Action:ReiteratedDate:05/02/26
AMTB scores in the low-to-mid 60s primarily due to improved profitability and solid current cash generation, supported by a relatively low P/E. The score is held back by negative TTM revenue momentum and ongoing credit and net interest margin pressures highlighted on the earnings call, while technical signals remain mixed/neutral.
Positive Factors
Improved profitability and cash generation
Meaningful rebound to positive profitability and solid operating/free cash flow provides a durable buffer versus cyclical shocks. Strong cash conversion supports recurring dividend and buybacks capacity, funds reserves and reinvestment, and reduces dependence on market funding over the medium term.
Negative Factors
Declining net interest income and margin
A sustained pullback in NII and NIM from rate cuts and lower-yielding originations structurally reduces core banking revenue. If margins remain lower, the bank will be dependent on expense cuts and securities yield to hit targets, constraining durable earnings upside and making net income more sensitive to funding dynamics.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved profitability and cash generation
Meaningful rebound to positive profitability and solid operating/free cash flow provides a durable buffer versus cyclical shocks. Strong cash conversion supports recurring dividend and buybacks capacity, funds reserves and reinvestment, and reduces dependence on market funding over the medium term.
Read all positive factors
Amerant Bancorp (AMTB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$890.60M
Dividend Yield1.79%
Average Volume (3M)197.53K
Price to Earnings (P/E)9.7
Beta (1Y)1.11
Revenue Growth8.98%
EPS GrowthN/A
CountryUS
Employees77
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.41
Shares Outstanding39,354,840
10 Day Avg. Volume210,539
30 Day Avg. Volume197,531
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 Cap2.09
Enterprise Value/Revenue2.92
Enterprise Value/Gross Profit4.94
Enterprise Value/Ebitda24.26
Forecast
1Y Price Target
$24.50Price Target Upside2.90% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)2.07
Revenue Forecast (FY)$415.42M
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 ma...
How the Company Makes Money
Amerant Bancorp makes money primarily through its banking subsidiary by generating interest income and fee-based (noninterest) income. The largest driver is net interest income: the bank earns interest and fees on loans and other interest-earning ...
Amerant Bancorp Earnings Call Summary
Earnings Call Date:Apr 23, 2026
(Q1-2026)
| % Change Since: |
Next Earnings Date:Jul 29, 2026
Earnings Call Sentiment Positive
The call emphasized tangible progress in expense reduction, strong improvement in profitability metrics (PPNR, ROA/ROE) and successful deposit momentum—notably international/Venezuela—while also outlining active, disciplined credit remediation and portfolio rebalancing. Headwinds included a meaningful decline in net interest income and margin due to rate cuts and portfolio shifts, higher provisions and modest increases in NPLs and charge-offs. Management provided forward guidance (loan growth ~7% for 2026, deposits +8%–10%, NIM 3.4%–3.5% in Q2, and a sustainable expense run-rate near $68M) and reiterated continued buybacks and dividend support. Overall, positive operational execution and capital/portfolio actions appear to outweigh near-term revenue and credit pressures, supporting a constructive outlook while acknowledging ongoing credit work.Positive Updates
Significant Expense Reduction and Cost Savings
Noninterest expense declined to $66.9 million, down $39.9 million or 37.3% quarter-over-quarter (from $106.8M). Management cites approximately $30 million of cost savings for 2026, including $3.3 million from vendor contract renegotiations, and expects a sustainable run-rate near $68M quarterly.
Negative Updates
Decline in Net Interest Income and Margin
Net interest income declined to $80.3 million, down $9.9 million or ~11.0% QoQ (from $90.2M). Net interest margin contracted to 3.55% from 3.78% (down 23 basis points), reflecting the full-quarter impact of prior rate cuts and asset mix reallocation.
Read all updates
Q1-2026 Updates
Positive
Negative
Significant Expense Reduction and Cost Savings
Noninterest expense declined to $66.9 million, down $39.9 million or 37.3% quarter-over-quarter (from $106.8M). Management cites approximately $30 million of cost savings for 2026, including $3.3 million from vendor contract renegotiations, and expects a sustainable run-rate near $68M quarterly.
Read all positive updates
Company Guidance
Management guided 2Q‑26 loan balances of approximately $7.0B and full‑year 2026 annualized loan growth of ~7%, with deposits expected to reach ~$8.0B by 2Q and cumulative deposit growth of 8–10% for 2026 (driven in part by Venezuela); they expect net interest margin of 3.4–3.5% in 2Q stabilizing around 3.4% by year‑end, noninterest expenses of ~$68–69M for 2Q with a sustainable run‑rate near $68M and an efficiency ratio target of ~60%, projected charge‑offs of roughly 30–35 basis points, and continued capital returns including a $0.09/share quarterly dividend and completion of the remaining ~$21M share repurchase authorization in Q2.Amerant Bancorp Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
58
Neutral
Cash Flow
65
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 637.60M | 655.25M | 574.92M | 551.02M | 387.07M | 307.75M |
| Gross Profit | 376.68M | 375.91M | 244.83M | 267.63M | 301.01M | 281.55M |
| EBITDA | 76.69M | 70.77M | -17.48M | 48.17M | 84.47M | 151.29M |
| Net Income | 63.40M | 52.42M | -15.75M | 32.49M | 63.31M | 112.92M |
Balance Sheet | ||||||
| Total Assets | 9.90B | 9.78B | 9.90B | 9.72B | 9.13B | 7.64B |
| Cash, Cash Equivalents and Short-Term Investments | 63.42M | 2.50B | 2.00B | 1.51B | 1.31B | 1.45B |
| Total Debt | 942.73M | 1.04B | 1.00B | 921.33M | 1.20B | 1.07B |
| Total Liabilities | 8.99B | 8.84B | 9.01B | 8.98B | 8.42B | 6.81B |
| Stockholders Equity | 913.92M | 938.80M | 890.47M | 736.07M | 707.82M | 834.48M |
Cash Flow | ||||||
| Free Cash Flow | 121.38M | 97.96M | 74.79M | 15.79M | -59.79M | 60.85M |
| Operating Cash Flow | 127.69M | 100.50M | 82.19M | 26.72M | -49.16M | 67.43M |
| Investing Cash Flow | -266.23M | -501.10M | -576.66M | -606.62M | -1.40B | 385.32M |
| Financing Cash Flow | -321.12M | 441.10M | 762.96M | 611.17M | 1.46B | -392.93M |
Amerant Bancorp Technical Analysis
Positive
23.81
Price Trends
22.19
Positive
21.20
Positive
20.16
Positive
Market Momentum
0.65
Negative
66.69
Neutral
67.29
Neutral
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 23.81 is above the 20-day moving average (MA) of 22.75, above the 50-day MA of 22.19, and above the 200-day MA of 20.16, indicating a bullish trend. The MACD of 0.65 indicates Negative momentum. The RSI at 66.69 is Neutral, neither overbought nor oversold. The STOCH value of 67.29 is Neutral, 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 |
|---|---|---|---|---|---|---|---|
78 Outperform | $1.06B | 8.86 | 10.19% | 2.59% | 3.92% | 25.09% | |
78 Outperform | $1.21B | 11.49 | 13.37% | 1.70% | 6.23% | 2.16% | |
68 Neutral | $968.42M | 9.94 | 8.49% | 4.59% | -6.76% | -18.82% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $997.20M | 11.20 | 7.46% | 4.73% | 7.25% | 49.10% | |
65 Neutral | $983.41M | 7.82 | 18.63% | 0.04% | 17.95% | 29.31% | |
63 Neutral | $890.60M | 9.68 | 6.81% | 1.79% | 8.98% | ― |
* Financial Sector Average
AMTB
Amerant Bancorp
23.37
6.41
37.76%
CFFN
Capitol Federal Financial
7.83
2.47
46.11%
NBN
Northeast Bancorp
127.99
45.11
54.44%
SBSI
Southside Bancshares
33.37
6.09
22.32%
UVSP
Univest Of Pennsylvania
38.79
9.35
31.76%
AMAL
Amalgamated Bank
41.75
12.98
45.09%
Amerant Bancorp Corporate Events
Business Operations and StrategyStock BuybackDividendsFinancial Disclosures
Amerant Bancorp Highlights Strong First-Quarter 2026 Performance
Positive
Apr 23, 2026
Amerant Bancorp reported that in the first quarter of 2026 it generated net income of $17.9 million, or $0.44 per diluted share, up sharply from $2.7 million, or $0.07 per diluted share, in the fourth quarter of 2025, driven by improved efficiency...
Executive/Board ChangesShareholder Meetings
Amerant Bancorp Announces Board Change Ahead of 2026 Meeting
Neutral
Apr 10, 2026
On April 7, 2026, Amerant Bancorp Inc. announced that board member Pamella J. Dana will not seek reelection at the company’s 2026 Annual Meeting of Shareholders, though she will continue to serve until the end of her current term immediately...
Business Operations and StrategyExecutive/Board Changes
Amerant Bancorp Details Post-Transformation Strategy and Leadership Shift
Positive
Feb 11, 2026
Amerant Bancorp Inc., a Florida-focused bank holding company serving retail, commercial and international customers, has built an established franchise in South Florida, Tampa and Central Florida with a strong deposit base and a vertically integra...
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.