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Amerant Bancorp Inc Class A (AMTB)
NYSE:AMTB
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Amerant Bancorp (AMTB) AI Stock Analysis

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AMTB

Amerant Bancorp

(NYSE:AMTB)

Rating:67Neutral
Price Target:
$22.00
▲(12.24%Upside)
The overall stock score reflects a combination of mixed financial performance, positive technical analysis, challenging valuation, and a favorable earnings outlook. The most significant factor is the technical momentum, supported by positive earnings sentiment and corporate actions, despite the valuation concerns.
Positive Factors
Analyst Upgrade
Analyst upgrades AMTB to Overweight with a revised target price of $25, reflecting higher '25E EPS and assuming peer multiples.
Capital Raise
The successful $165M growth equity raise provides ample capital to accelerate double-digit loan growth.
Negative Factors
Asset Quality
Reduced asset quality volatility remains critical to rerating the stock, with related improvements becoming a more meaningful part of the story as 2025 progresses.

Amerant Bancorp (AMTB) vs. SPDR S&P 500 ETF (SPY)

Amerant Bancorp Business Overview & Revenue Model

Company DescriptionAmerant 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.
How the Company Makes MoneyAmerant Bancorp generates revenue primarily through interest income from its lending activities, which includes residential and commercial loans. Additionally, the company earns non-interest income from fees and service charges related to deposit accounts, transaction processing, and wealth management services. Amerant also benefits from strategic partnerships and collaborations with financial technology firms, enhancing its service offerings and customer reach. The company's profitability is influenced by factors such as interest rates, credit quality, and the economic conditions in its primary markets.

Amerant Bancorp Earnings Call Summary

Earnings Call Date:Jul 23, 2025
(Q2-2025)
|
% Change Since: -2.58%|
Next Earnings Date:Oct 16, 2025
Earnings Call Sentiment Neutral
The earnings call reflects a generally positive outlook, highlighted by improved net interest margins, significant deposit growth, and a reduction in nonperforming loans. However, challenges remain with loan growth, increased classified and special mention loans, and higher non-core expenses.
Q2-2025 Updates
Positive Updates
Improved Net Interest Margin and Revenue
Net interest margin (NIM) was higher than projected at 3.81% due to recovery of interest on commercial loans, and net interest income was $90.5 million, up $4.6 million.
Deposit Growth
Customer deposits grew by $202.3 million, with total deposits up by $151.6 million to $8.3 billion, driven by growth in core deposits.
Nonperforming Loans Decrease
Significant net decrease of $41 million in nonperforming loans, driven by payoffs, loans sold, paydowns, and charge-offs.
Asset Under Management Growth
Assets under management increased by $132.42 million to $3.1 billion.
Pre-provision Net Revenue Increase
Pre-provision net revenue was higher at $35.9 million in 2Q '25 compared to $33.9 million in 1Q '25, and core PPNR was $37.1 million, up 17.7%.
Negative Updates
Loan Growth Challenges
Gross loans were down by $30 million to $7.2 billion, primarily driven by increased prepayments and some loans originated that are yet to fund.
Increased Classified Loans
Classified loans increased by $9.3 million or 4.5% to $215.4 million, due to downgrades of CRE and commercial loans.
Higher Non-core Expenses
Noninterest expense was $74.4 million, with variance driven by non-core expenses of $1.2 million and $1.1 million in expenses on customer derivatives.
Special Mention Loans Increase
Special mention loans increased by $33 million, primarily driven by CRE loans that missed certain milestones and re-ratings based on financials.
Company Guidance
In the second quarter of 2025, Amerant Bancorp reported improved financial results, driven by higher core pre-provision net revenue and a lower provision for credit losses. Total assets reached $10.3 billion, with investment securities increasing to $2 billion and gross loans slightly declining to $7.2 billion. Deposits grew by $151.6 million, reaching $8.3 billion, with a significant rise in core customer deposits. Amerant's net interest margin (NIM) was reported at 3.81%, with net interest income at $90.5 million. The provision for credit losses decreased to $6.1 million, while noninterest income and expenses were $19.8 million and $74.4 million, respectively. Key capital metrics improved, with a return on assets (ROA) of 0.90% and return on equity (ROE) of 10.1%. The company also repurchased 275,666 shares at an average price of $18.14. Looking ahead, Amerant projects a 3.75% NIM for the third quarter, with continued focus on achieving a 1% ROA by the year's end.

Amerant Bancorp Financial Statement Overview

Summary
Amerant Bancorp exhibits a mixed financial performance. The income statement indicates profitability challenges with negative EBIT and declining margins. However, the balance sheet shows moderate stability with manageable leverage and growing equity. The cash flow statement reflects strong operating cash flow despite volatility in free cash flow.
Income Statement
55
Neutral
The income statement shows a decline in profitability with negative EBIT and net income in the latest TTM, indicating operational challenges. The gross profit margin has decreased over time, highlighting potential revenue and cost pressures. Revenue growth has been inconsistent, with a recent small increase but overall poor profit margins.
Balance Sheet
65
Positive
The balance sheet reflects moderate stability with a debt-to-equity ratio of 1.08 in the latest TTM, showing manageable leverage. Stockholders’ equity has grown, and the equity ratio indicates a relatively stable capital structure. However, the increase in total liabilities over time poses a potential risk.
Cash Flow
70
Positive
The cash flow statement reveals positive operating cash flow, although free cash flow growth has been volatile. The operating cash flow to net income ratio is strong, suggesting efficient cash generation from operations despite negative net income. The company has managed to maintain positive free cash flow recently.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue574.92M551.02M387.07M307.75M333.77M
Gross Profit244.83M267.63M301.01M281.55M174.15M
EBITDA-17.48M48.17M84.47M151.29M5.05M
Net Income-15.75M32.49M63.31M112.92M-1.72M
Balance Sheet
Total Assets9.90B9.72B9.13B7.64B7.77B
Cash, Cash Equivalents and Short-Term Investments2.00B1.51B1.31B1.45B1.44B
Total Debt1.00B921.33M1.20B1.07B1.17B
Total Liabilities9.01B8.98B8.42B6.81B6.99B
Stockholders Equity890.47M736.07M707.82M834.48M783.42M
Cash Flow
Free Cash Flow74.79M15.79M-59.79M60.85M51.67M
Operating Cash Flow82.19M26.72M-49.16M67.43M57.25M
Investing Cash Flow-576.66M-606.62M-1.40B385.32M286.34M
Financing Cash Flow762.96M611.17M1.46B-392.93M-250.52M

Amerant Bancorp Technical Analysis

Technical Analysis Sentiment
Positive
Last Price19.60
Price Trends
50DMA
18.39
Positive
100DMA
18.71
Positive
200DMA
20.68
Negative
Market Momentum
MACD
0.52
Positive
RSI
62.15
Neutral
STOCH
46.60
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 19.6 is below the 20-day moving average (MA) of 19.77, above the 50-day MA of 18.39, and below the 200-day MA of 20.68, indicating a neutral trend. The MACD of 0.52 indicates Positive momentum. The RSI at 62.15 is Neutral, neither overbought nor oversold. The STOCH value of 46.60 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 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

Overall Rating
UnderperformOutperform
Sector (61)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
80
Outperform
$707.50M14.189.91%8.72%0.89%-2.22%
79
Outperform
$779.10M9.6919.16%0.04%33.02%33.76%
78
Outperform
$809.12M10.5914.08%3.20%4.86%7.89%
76
Outperform
$793.44M9.6012.51%1.39%1.99%-2.80%
72
Outperform
$824.69M13.225.92%5.59%6.49%
67
Neutral
$839.09M1.26%1.79%-6.83%-131.00%
61
Neutral
C$15.14B6.4123.28%5.57%33.61%-23.69%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
AMTB
Amerant Bancorp
19.60
-2.51
-11.35%
CFFN
Capitol Federal Financial
6.08
0.02
0.33%
FCBC
First Community Bancshares
36.94
-4.49
-10.84%
NBN
Northeast Bancorp
100.87
28.24
38.88%
OSBC
Old Second Bancorp
17.28
0.60
3.60%
HBT
HBT Financial
24.97
2.78
12.53%

Amerant Bancorp Corporate Events

DividendsBusiness Operations and StrategyFinancial Disclosures
Amerant Bancorp Reports Strong Q2 Financial Results
Positive
Jul 23, 2025

On July 23, 2025, Amerant Bancorp announced its second quarter financial results, reporting a net income of $23.0 million, a significant increase from the previous quarter. The company also declared a quarterly cash dividend of $0.09 per share, payable on August 29, 2025. Key highlights include an increase in total assets to $10.3 billion and a decrease in non-performing assets by 30.5%. These results reflect Amerant’s strategic focus on becoming the bank of choice in its markets, as evidenced by improved core pre-provision net revenue and a reduced provision for credit losses.

The most recent analyst rating on (AMTB) stock is a Buy with a $25.00 price target. To see the full list of analyst forecasts on Amerant Bancorp stock, see the AMTB Stock Forecast page.

Executive/Board ChangesBusiness Operations and Strategy
Amerant Bancorp Expands Board with Two New Members
Positive
Jun 24, 2025

On June 24, 2025, Amerant Bancorp Inc. announced the expansion of its Board of Directors from ten to twelve members, appointing Patricia Morrison and Jack Kopnisky as new board members. This move aligns with the company’s strategic growth plans and aims to enhance its board’s expertise in technology and financial services, supporting its goal to become Florida’s bank of choice. Morrison brings extensive IT and governance experience, while Kopnisky offers over 40 years of leadership in financial services, both expected to contribute significantly to Amerant’s long-term value delivery to customers, shareholders, and communities.

The most recent analyst rating on (AMTB) stock is a Buy with a $25.00 price target. To see the full list of analyst forecasts on Amerant Bancorp stock, see the AMTB Stock Forecast page.

Stock Buyback
Amerant Bancorp Increases Share Repurchase Program
Positive
May 29, 2025

On May 28, 2025, Amerant Bancorp Inc.’s Board of Directors approved an increase in the share repurchase program for its Class A common stock to $25 million, with the program set to expire on December 31, 2025. The repurchase plan allows for flexibility in purchasing methods and does not obligate the company to buy back a specific amount, providing discretion based on market conditions and other factors.

The most recent analyst rating on (AMTB) stock is a Buy with a $25.00 price target. To see the full list of analyst forecasts on Amerant Bancorp stock, see the AMTB Stock Forecast page.

Executive/Board ChangesShareholder Meetings
Amerant Bancorp Holds Annual Shareholder Meeting
Neutral
May 7, 2025

On May 7, 2025, Amerant Bancorp Inc. held its annual meeting of shareholders, where approximately 83.51% of the Class A voting common stock was represented. During the meeting, all director nominees were elected to serve until the 2026 annual meeting, the compensation of named executive officers was approved on an advisory basis, and RSM US LLP was ratified as the independent registered public accounting firm for the fiscal year ending December 31, 2025. Additionally, Gerald P. Plush was reappointed as Chairman of the Board, and Odilon Almeida Junior was appointed as Lead Independent Director and chair of the Corporate Governance, Nominating and Sustainability Committee, succeeding Pamella J. Dana.

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.Date of analysis: Jul 25, 2025