Amerant Bancorp Inc Class A (AMTB)
NYSE:AMTB
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Amerant Bancorp
(NYSE:AMTB)
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Rating:60Neutral
Price Target:
$23.50
▼(-1.30% Downside)
Action:Reiterated
Date:05/30/26
AMTB scores moderately, led by improved profitability and currently supportive cash generation, reinforced by constructive guidance and ongoing capital returns. The score is held back by weakening near-term technicals, TTM revenue softness, and credit/margin headwinds highlighted on the earnings call.
Positive Factors
Rebounded profitability and cash generation
Amerant returned to sustained profitability after 2024 losses, reporting roughly a 10% net margin TTM and solid alignment of free cash flow with reported earnings. Durable positive cash conversion supports ongoing capital returns, reinvestment and provides a buffer through credit cycles.
Negative Factors
Net interest income and margin pressure
Margin compression from rate cuts and portfolio rebalancing has already reduced core NII, and management expects lingering NIM pressure. Lower interest spreads structurally shrink the main earnings engine for a bank and can persist across multiple quarters as asset yields reprice slower than funding costs.
Read all positive and negative factors
Positive Factors
Negative Factors
Rebounded profitability and cash generation
Amerant returned to sustained profitability after 2024 losses, reporting roughly a 10% net margin TTM and solid alignment of free cash flow with reported earnings. Durable positive cash conversion supports ongoing capital returns, reinvestment and provides a buffer through credit cycles.
Read all positive factors
Amerant Bancorp (AMTB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$894.14M
Dividend Yield1.79%
Average Volume (3M)197.53K
Price to Earnings (P/E)14.4
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 Cap1.98
Enterprise Value/Revenue2.78
Enterprise Value/Gross Profit4.71
Enterprise Value/Ebitda23.12
Forecast
1Y Price Target
$26.00Price Target Upside9.20% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)1.79
Revenue Forecast (FY)$396.15M
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 22, 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
22.73
Negative
22.07
Positive
20.60
Positive
Market Momentum
-0.08
Positive
50.39
Neutral
75.20
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 22.71, above the 50-day MA of 22.73, and above the 200-day MA of 20.60, indicating a neutral trend. The MACD of -0.08 indicates Positive momentum. The RSI at 50.39 is Neutral, neither overbought nor oversold. The STOCH value of 75.20 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 51 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 | $1.10B | 11.58 | 10.19% | 2.59% | 3.92% | 25.09% | |
77 Outperform | $1.24B | 11.82 | 13.37% | 1.70% | 6.23% | 2.16% | |
74 Outperform | $1.00B | 10.63 | 18.63% | 0.04% | 17.95% | 29.31% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $974.67M | 13.72 | 8.49% | 4.59% | -6.76% | -18.82% | |
63 Neutral | $985.00M | 12.67 | 7.46% | 4.73% | 7.25% | 49.05% | |
60 Neutral | $894.14M | 14.45 | 6.81% | 1.79% | 8.98% | ― |
* Financial Sector Average
AMTB
Amerant Bancorp
22.72
5.77
34.03%
CFFN
Capitol Federal Financial
7.77
2.42
45.23%
NBN
Northeast Bancorp
125.74
43.99
53.81%
SBSI
Southside Bancshares
32.76
6.26
23.61%
UVSP
Univest Of Pennsylvania
39.44
11.08
39.07%
AMAL
Amalgamated Bank
41.48
11.91
40.28%
Amerant Bancorp Corporate Events
Executive/Board Changes
Amerant Bancorp Names Adrian Rodriguez Permanent COO
Positive
May 29, 2026
On May 26, 2026, Amerant Bancorp Inc. and Amerant Bank, N.A. appointed Adrian Rodriguez as Executive Vice President and Chief Operating Officer, formalizing a role he had held on an interim basis since November 10, 2025, following leadership chang...
Business Operations and StrategyExecutive/Board ChangesFinancial Disclosures
Amerant Bancorp Updates Strategy After CEO Transition Completion
Positive
May 26, 2026
On May 26, 2026, Amerant Bancorp delivered an investor update outlining its strategic focus on executing a growth plan anchored in its Florida franchise and Latin American client platform. The company highlighted that it has exited non-core market...
Executive/Board Changes
Amerant Bancorp Names Carlos Iafigliola Permanent CEO
Positive
May 19, 2026
Amerant Bancorp Inc., a Florida-based bank holding company serving individuals and businesses with deposits, credit and wealth management services through Amerant Bank and Amerant Investments, continues to expand its regional franchise via 23 bank...
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...
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.