Amerant Bancorp Inc Class A (AMTB)
NYSE:AMTB
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Amerant Bancorp
(NYSE:AMTB)
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Rating:56Neutral
Price Target:
$22.00
▲(1.66% Upside)
Action:ReiteratedDate:02/24/26
AMTB scores 56 driven primarily by an improving but still uneven financial profile and a cautious earnings-call backdrop highlighting profitability, expense, and asset-quality headwinds. Technicals are mixed with limited near-term momentum, while valuation is reasonable and modestly supportive.
Positive Factors
Revenue recovery & profitability
A 57% revenue rebound and a positive net margin in 2025 show the underlying franchise can generate core earnings when balance-sheet dynamics stabilize. Durable top-line recovery supports recurring net interest income and fee growth, improving capacity to reinvest, fund reserves, and pursue medium-term ROA/efficiency targets.
Negative Factors
Asset-quality deterioration
An extensive credit remediation affecting ~85% of commercial loans and rising nonperforming loans reflects structural portfolio stress, notably in CRE and certain regional commercial pockets. Ongoing downgrades, sales and charge-offs could keep provisioning elevated and constrain lending growth and margins for multiple quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue recovery & profitability
A 57% revenue rebound and a positive net margin in 2025 show the underlying franchise can generate core earnings when balance-sheet dynamics stabilize. Durable top-line recovery supports recurring net interest income and fee growth, improving capacity to reinvest, fund reserves, and pursue medium-term ROA/efficiency targets.
Read all positive factors
Amerant Bancorp (AMTB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$870.60M
Dividend Yield1.79%
Average Volume (3M)197.53K
Price to Earnings (P/E)15.2
Beta (1Y)1.10
Revenue Growth15.37%
EPS GrowthN/A
CountryUS
Employees77
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.53
Shares Outstanding40,230,946
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 Cap1.56
Enterprise Value/Revenue2.08
Enterprise Value/Gross Profit3.62
Enterprise Value/Ebitda19.23
Forecast
1Y Price Target
$23.67Price Target Upside9.38% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)2.1
Revenue Forecast (FY)$428.48M
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 generates revenue through several key streams. The primary source is net interest income, which is earned from the interest on loans provided to customers and the interest from securities held by the bank, offset by interest expens...
Amerant Bancorp Earnings Call Summary
Earnings Call Date:Jan 23, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:Apr 29, 2026
Earnings Call Sentiment Negative
The call outlined a clear strategic roadmap (3-year plan), capital actions (buybacks and dividend), targeted cost reductions and balance sheet optimization, and some favorable items such as AUM growth and lower provisions this quarter. However, the quarter was marked by materially weaker profitability (EPS collapse), sharply higher reported expenses and large non-core charges, contraction of assets, deposits and loans, a significant drop in pre-provision net revenue, and increased nonperforming assets. Management provided near-term expense and margin guidance and aspirational medium-term targets (ROA ~1%, efficiency ~60%), but the current operating results and asset-quality work create meaningful short-term headwinds. Overall, the negative financial developments and asset-quality/expense pressures materially outweigh the strategic progress and select positive items communicated on the call.Positive Updates
Board Approval of 3-Year Strategic Plan
Board approved a disciplined 3-year strategic plan focused on stabilizing, optimizing and growing the franchise, with priorities on credit transformation, balance sheet optimization, operational efficiency and targeted investments (including AI) to improve productivity and client experience.
Negative Updates
Significant Decline in Net Income and EPS
Diluted earnings per share fell to $0.07 in 4Q'25 from $0.35 in 3Q'25 (down ~$0.28 or ~80%), driven by lower net income and higher noninterest expenses.
Read all updates
Q4-2025 Updates
Positive
Negative
Board Approval of 3-Year Strategic Plan
Board approved a disciplined 3-year strategic plan focused on stabilizing, optimizing and growing the franchise, with priorities on credit transformation, balance sheet optimization, operational efficiency and targeted investments (including AI) to improve productivity and client experience.
Read all positive updates
Company Guidance
Management guided that loan balances in 1Q'26 should be roughly flat to 4Q'25 while full‑year 2026 loan growth is targeted at 7%–9% (with deposit growth expected to match), net interest margin is projected at 3.65%–3.70%, and quarterly expenses are expected to run about $70–71 million in the first half of 2026, progressively declining to a normalized $67–68 million by year‑end; they also reiterated continued capital actions (share repurchases and a $0.09 quarterly dividend) and longer‑term strategic targets of roughly 1.0% ROA and a ~60% efficiency ratio for 2026, with the aspiration to push efficiency into the mid‑50s and ROA above 1% in 2027–28, and noted expected credit/portfolio improvements (criticized‑bucket outflows > inflows) with provisioning run‑rate commentary around ~40–45 bps.Amerant Bancorp Financial Statement Overview
Summary
Income Statement
58
Neutral
Balance Sheet
55
Neutral
Cash Flow
60
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 655.25M | 574.92M | 551.02M | 387.07M | 307.75M |
| Gross Profit | 375.91M | 244.83M | 267.63M | 301.01M | 281.55M |
| EBITDA | 70.77M | -17.48M | 48.17M | 84.47M | 151.29M |
| Net Income | 52.42M | -15.75M | 32.49M | 63.31M | 112.92M |
Balance Sheet | |||||
| Total Assets | 9.78B | 9.90B | 9.72B | 9.13B | 7.64B |
| Cash, Cash Equivalents and Short-Term Investments | 2.50B | 2.00B | 1.51B | 1.31B | 1.45B |
| Total Debt | 1.04B | 1.00B | 921.33M | 1.20B | 1.07B |
| Total Liabilities | 8.84B | 9.01B | 8.98B | 8.42B | 6.81B |
| Stockholders Equity | 938.80M | 890.47M | 736.07M | 707.82M | 834.48M |
Cash Flow | |||||
| Free Cash Flow | 97.96M | 74.79M | 15.79M | -59.79M | 60.85M |
| Operating Cash Flow | 100.50M | 82.19M | 26.72M | -49.16M | 67.43M |
| Investing Cash Flow | -501.10M | -576.66M | -606.62M | -1.40B | 385.32M |
| Financing Cash Flow | 441.10M | 762.96M | 611.17M | 1.46B | -392.93M |
Amerant Bancorp Technical Analysis
Positive
21.64
Price Trends
21.58
Positive
20.25
Positive
19.69
Positive
Market Momentum
-0.14
Negative
54.42
Neutral
83.89
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 21.64 is above the 20-day moving average (MA) of 21.24, above the 50-day MA of 21.58, and above the 200-day MA of 19.69, indicating a bullish trend. The MACD of -0.14 indicates Negative momentum. The RSI at 54.42 is Neutral, neither overbought nor oversold. The STOCH value of 83.89 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 52 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 |
|---|---|---|---|---|---|---|---|
74 Outperform | $1.15B | 9.00 | 13.88% | 1.70% | 4.33% | -2.20% | |
70 Outperform | $946.42M | 10.37 | 9.82% | 2.59% | 4.49% | 20.44% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $925.79M | 10.81 | 6.53% | 4.73% | 6.27% | 79.25% | |
65 Neutral | $872.04M | 10.41 | 17.34% | 0.04% | 33.22% | 38.44% | |
56 Neutral | $870.60M | 15.23 | 5.64% | 1.79% | 15.37% | ― | |
53 Neutral | $915.26M | 13.23 | 8.53% | 4.59% | -4.08% | -16.80% |
* Financial Sector Average
AMTB
Amerant Bancorp
21.64
0.76
3.63%
CFFN
Capitol Federal Financial
7.13
1.81
34.02%
NBN
Northeast Bancorp
109.31
15.64
16.70%
SBSI
Southside Bancshares
30.78
2.29
8.05%
UVSP
Univest Of Pennsylvania
33.70
5.12
17.91%
AMAL
Amalgamated Bank
38.57
9.54
32.84%
Amerant Bancorp Corporate Events
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...
Business Operations and StrategyStock BuybackDividendsFinancial Disclosures
Amerant Bancorp posts Q4 profit, unveils buyback plan
Neutral
Jan 22, 2026
On January 22, 2026, Amerant Bancorp reported fourth-quarter 2025 net income of $2.7 million, or $0.07 per diluted share, sharply lower than the prior quarter, as the bank absorbed higher non-interest expenses and ongoing credit normalization tied...
Business Operations and StrategyM&A Transactions
Amerant Bancorp Completes Loan Sale to Peachtree Group
Neutral
Jan 7, 2026
On December 31, 2025, Amerant Bank, N.A., a subsidiary of Amerant Bancorp Inc., entered into an asset sale agreement with Peachtree Group to sell up to five loans with an estimated outstanding principal balance of $74 million. The transaction, whi...
Business Operations and StrategyFinancial Disclosures
Amerant Bancorp Issues Year-End 2025 Credit Risk Update
Negative
Dec 31, 2025
On December 30, 2025, Amerant Bancorp released an investor credit update detailing intensified efforts in the fourth quarter of 2025 to reinforce credit discipline and strengthen credit risk management ahead of year-end. During 2025, the bank̵...
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.