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Amerant Bancorp
(NYSE:AMTB)
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Rating:64Neutral
Price Target:
$30.00
▲(5.26% Upside)
Action:Reiterated
Date:07/25/26
The score is driven primarily by improving profitability and reasonable cash generation, but tempered by declining revenue and balance-sheet/consistency concerns. Technically, the stock is in a strong uptrend, though momentum looks somewhat stretched (high RSI). Valuation is only moderately supportive (P/E ~20.4, ~1.26% yield). Earnings-call guidance and operational progress add confidence, while execution and deposit concentration risks remain.
Positive Factors
Profitability recovery and cash conversion
Amerant's return to positive TTM net income and a net margin near 12.3%, with free cash flow converting ~93% of net income, indicates the business can generate internally funded earnings. Sustained cash conversion supports reinvestment, dividends, and buybacks if credit conditions remain stable and execution continues.
Negative Factors
Sharp revenue contraction
A ~21.5% TTM revenue decline is a durable headwind: shrinking top-line pressures margins, limits scalability of fixed costs, and raises dependence on non-recurring gains or balance sheet growth to restore earnings. Sustained revenue weakness complicates reaching higher efficiency and ROE targets.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability recovery and cash conversion
Amerant's return to positive TTM net income and a net margin near 12.3%, with free cash flow converting ~93% of net income, indicates the business can generate internally funded earnings. Sustained cash conversion supports reinvestment, dividends, and buybacks if credit conditions remain stable and execution continues.
Read all positive factors
Amerant Bancorp (AMTB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.14B
Dividend Yield1.23%
Average Volume (3M)197.53K
Price to Earnings (P/E)21.0
Beta (1Y)0.96
Revenue Growth5.13%
EPS GrowthN/A
CountryUS
Employees694
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.40
Shares Outstanding39,189,857
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$29.25Price Target Upside2.63% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering4
EPS Forecast (FY)2.09
Revenue Forecast (FY)$403.25M
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. The company offers checking, savings, business, and money market accou...
How the Company Makes Money
Amerant Bancorp primarily makes money through its banking subsidiary by earning interest income and generating fee-based (noninterest) income. (1) Net interest income: The bank earns interest and fees on loans and other interest-earning assets (e....
Amerant Bancorp Earnings Call Summary
Earnings Call Date:Jul 23, 2026
(Q2-2026)
| % Change Since: |
Next Earnings Date:Oct 15, 2026
Earnings Call Sentiment Positive
The call communicated clear progress across multiple fronts: asset and deposit growth, improved profitability (EPS, ROA, ROE), tangible reductions in problem loan buckets, and maintained capital with ongoing shareholder returns. Management provided concrete guidance and emphasized strategic initiatives (credit transformation, efficiency, relationship-first growth) with identified near-term levers (low-cost international deposits, AI-driven efficiency, cost-savings expected in Q4). Offsetting items include modest NIM compression from tighter origination spreads, a rise in non-interest expense, some charge-offs and reserve allocations, dependence on Venezuelan deposit inflows (concentration risk), and AUM headwinds. Overall, the positive operational and credit trends and explicit guidance outweigh the noted challenges, but execution risk remains around margins, expense reduction to reach the efficiency target, and concentration exposure.Positive Updates
Balance Sheet Growth
Total assets rose to $10.3 billion from $9.9 billion in Q1 (≈$0.4B increase, ~4.0% QoQ). Management expects to remain above the $10 billion threshold by year-end 2026.
Negative Updates
Modest NIM Compression and Lower Loan Yields
Net interest margin declined slightly to 3.52% from 3.55% QoQ (down ~3 bps). Management noted originations face tighter spreads due to competitive pricing, which limits NIM upside despite lower funding costs.
Read all updates
Q2-2026 Updates
Positive
Negative
Balance Sheet Growth
Total assets rose to $10.3 billion from $9.9 billion in Q1 (≈$0.4B increase, ~4.0% QoQ). Management expects to remain above the $10 billion threshold by year-end 2026.
Read all positive updates
Company Guidance
Guidance emphasized measurable near-term targets and drivers: total loans are expected to reach about $7.3 billion by Q4 2026 (from $6.9B in 2Q), total deposits to about $9.1 billion by Q4 (up from $8.4B in 2Q, with ~ $500M of Q2 deposit growth tied to Venezuela), and net interest margin roughly 3.50% for the remainder of the year (2Q NII $82.6M, NIM 3.52%). Expense guidance calls for 3Q in line with 2Q non‑interest expense ($68.9M) and 4Q expense of $66–67M as the bank pursues a target efficiency ratio of ~60% (2Q efficiency 68.37%). Credit guidance includes an allowance for credit losses of 1.27% (up from 1.21%), expected gross charge‑offs of ~25–30 bps, and continued reduction in special mention/classified loans; capital remains strong with CET1 ~11.94% (11.84% prior quarter), ROA/Roe improving toward a 1.0% ROA goal (2Q ROA 0.84%, ROE 9.23%), and ongoing shareholder returns (690k shares repurchased in 2Q for ~$16M at $23.29, ~$6M repurchase capacity remaining, and a $0.09 quarterly dividend).Amerant Bancorp Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
55
Neutral
Cash Flow
58
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 569.18M | 655.25M | 574.92M | 551.02M | 387.07M | 307.75M |
| Gross Profit | 370.18M | 375.91M | 244.83M | 267.63M | 301.01M | 281.55M |
| EBITDA | 77.50M | 70.77M | -17.48M | 48.17M | 84.47M | 151.29M |
| Net Income | 61.44M | 52.42M | -15.75M | 32.49M | 63.31M | 112.92M |
Balance Sheet | ||||||
| Total Assets | 10.29B | 9.78B | 9.90B | 9.72B | 9.13B | 7.64B |
| Cash, Cash Equivalents and Short-Term Investments | 41.04M | 2.50B | 2.00B | 1.51B | 1.31B | 1.45B |
| Total Debt | 912.09M | 1.04B | 1.00B | 921.33M | 1.20B | 1.07B |
| Total Liabilities | 9.38B | 8.84B | 9.01B | 8.98B | 8.42B | 6.81B |
| Stockholders Equity | 914.37M | 938.80M | 890.47M | 736.07M | 707.82M | 834.48M |
Cash Flow | ||||||
| Free Cash Flow | 329.14M | 97.96M | 74.79M | 15.79M | -59.79M | 60.85M |
| Operating Cash Flow | 333.34M | 100.50M | 82.19M | 26.72M | -49.16M | 67.43M |
| Investing Cash Flow | 377.35M | -501.10M | -576.66M | -606.62M | -1.40B | 385.32M |
| Financing Cash Flow | -583.91M | 441.10M | 762.96M | 611.17M | 1.46B | -392.93M |
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 |
|---|---|---|---|---|---|---|---|
80 Outperform | $1.50B | 13.38 | 14.12% | 1.25% | 9.56% | 12.20% | |
74 Outperform | $1.18B | 12.30 | 10.41% | 2.11% | 2.41% | 26.67% | |
72 Outperform | $1.15B | 10.39 | 19.35% | 0.03% | 9.28% | 25.70% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $1.11B | 13.66 | 8.01% | 4.39% | 7.53% | 38.21% | |
67 Neutral | $965.48M | 12.93 | 8.89% | 4.21% | -4.09% | -9.75% | |
64 Neutral | $1.14B | 20.99 | 6.62% | 1.26% | 5.13% | ― |
* Financial Sector Average
AMTB
Amerant Bancorp
29.30
9.22
45.88%
CFFN
Capitol Federal Financial
8.88
3.02
51.54%
NBN
Northeast Bancorp
134.31
30.48
29.35%
SBSI
Southside Bancshares
32.84
3.56
12.16%
UVSP
Univest Of Pennsylvania
42.93
13.08
43.84%
AMAL
Amalgamated Bank
50.72
21.49
73.53%
Amerant Bancorp Corporate Events
Business Operations and StrategyStock BuybackDividendsFinancial Disclosures
Amerant Bancorp Declares Dividend Amid Strong Q2 Results
Positive
Jul 23, 2026
Amerant Bancorp reported that in the second quarter of 2026 it generated net income of $21.0 million, or $0.53 per diluted share, up from $17.9 million, or $0.44 per diluted share, in the first quarter of 2026, reflecting stronger profitability an...
Executive/Board Changes
Amerant Bancorp Announces Retirement of Chief Risk Officer
Neutral
Jun 25, 2026
On June 24, 2026, Amerant Bancorp Inc. announced that Senior Executive Vice President and Chief Risk Officer Alberto Capriles plans to retire from the company and its subsidiary, Amerant Bank, N.A., effective upon the appointment of his successor....
Executive/Board ChangesShareholder Meetings
Amerant Bancorp Shareholders Approve Directors and Key Proposals
Neutral
Jun 4, 2026
On June 2, 2026, Amerant Bancorp held its 2026 annual meeting of shareholders, with about 69% of outstanding Class A voting shares represented. Shareholders elected all 11 director nominees to serve until the 2027 annual meeting, though director M...
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...
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.