Amerant Bancorp (AMTB) AI Stock Analysis

• Market Cap: $805.62M
• Dividend Yield: 1.83%
• Average Volume (3M): 197.43K
• Price to Earnings (P/E): ―
• Beta (1Y): 1.24
• Revenue Growth: -5.43%
• EPS Growth: -186.90%
• Country: US
• Employees: 77
• Sector: Financial
• Sector Strength: 81
• Industry: Banks - Regional
• EPS (TTM): 0.24
• Shares Outstanding: 41,828,920
• 10 Day Avg. Volume: 235,397
• 30 Day Avg. Volume: 197,430
• PEG Ratio: 6.84
• Price to Book (P/B): 0.77
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 7.47
• Enterprise Value/Market Cap: 1.29
• Enterprise Value/Revenue: 0.45
• Enterprise Value/Gross Profit: 4.15
• Enterprise Value/Ebitda: -18.56
• 1Y Price Target: $22.50
• Price Target Upside: 14.04% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3

• Rating: 63 Neutral
• Price Target: $21.00 ▲(6.44%Upside)

Amerant Bancorp's stock score reflects a mix of moderate financial performance and positive technical indicators. The company's strategic initiatives, such as board expansion and share repurchases, bolster its outlook. However, profitability challenges and valuation concerns weigh on the overall score. Continued focus on improving net income and managing liabilities will be key to enhancing financial health.

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 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 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 Money

Amerant 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 Financial Statement Overview

Summary

Amerant Bancorp shows mixed financial performance. The income statement indicates profitability challenges with negative net income and declining margins. However, the balance sheet is stable, and cash flow generation is reasonably strong, albeit with volatility. Focus on improving profitability is essential for better financial health.

Income Statement

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

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

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.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	581.39M	574.92M	551.02M	387.07M	307.75M	333.77M
Gross Profit	251.40M	244.83M	267.63M	301.01M	281.55M	174.15M
EBITDA	-15.41M	-17.48M	48.17M	84.47M	151.29M	5.05M
Net Income	-14.36M	-15.75M	32.49M	63.31M	112.92M	-1.72M
Balance Sheet
Total Assets	10.17B	9.90B	9.72B	9.13B	7.64B	7.77B
Cash, Cash Equivalents and Short-Term Investments	637.12M	2.00B	1.51B	1.31B	1.45B	1.44B
Total Debt	979.77M	1.00B	921.33M	1.20B	1.07B	1.17B
Total Liabilities	9.26B	9.01B	8.98B	8.42B	6.81B	6.99B
Stockholders Equity	906.26M	890.47M	736.07M	707.82M	834.48M	783.42M
Cash Flow
Free Cash Flow	93.49M	74.79M	15.79M	-59.79M	60.85M	51.67M
Operating Cash Flow	99.61M	82.19M	26.72M	-49.16M	67.43M	57.25M
Investing Cash Flow	-1.09B	-576.66M	-606.62M	-1.40B	385.32M	286.34M
Financing Cash Flow	975.57M	762.96M	611.17M	1.46B	-392.93M	-250.52M

Amerant Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 19.73
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: 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 19.73 is above the 20-day moving average (MA) of 17.93, above the 50-day MA of 17.64, and below the 200-day MA of 20.73, indicating a neutral trend. The MACD of 0.49 indicates Negative momentum. The RSI at 68.91 is Neutral, neither overbought nor oversold. The STOCH value of 88.75 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AMTB.

Amerant Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OSBC	78 Outperform	$1.25B	10.31	12.98%	1.26%	2.27%	-6.70%
HBT	78 Outperform	$827.39M	11.01	14.24%	3.16%	6.98%	5.97%
NBN	75 Outperform	$752.46M	10.50	17.91%	0.04%	26.40%	24.62%
FCBC	73 Outperform	$744.69M	14.82	10.08%	2.97%	2.49%	4.48%
CFFN	73 Outperform	$840.63M	15.67	5.09%	5.29%	6.02%	―
AMTB	63 Neutral	$805.62M	―	-1.83%	1.83%	-5.43%	-186.90%
Sector *	61 Neutral	C$14.64B	6.11	21.96%	5.59%	27.38%	-22.40%

Amerant Bancorp Corporate Events

Amerant Bancorp Expands Board with Two New Members

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.

Amerant Bancorp Increases Share Repurchase Program

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.

Amerant Bancorp Holds Annual Shareholder Meeting

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.

Amerant Bancorp Reports Q1 2025 Earnings Decline

On April 23, 2025, Amerant Bancorp reported a net income of $12.0 million for the first quarter of 2025, down from $16.9 million in the previous quarter. The company saw solid deposit growth and strong pre-provision net revenue, although loans remained flat due to increased payoffs and paydowns. The Board declared a cash dividend of $0.09 per share, payable on May 30, 2025. Amerant plans to scale back its residential mortgage operations to focus on Florida, reflecting a strategic shift amid market volatility.