Amerant Bancorp (AMTB) AI Stock Analysis

• Market Cap: $707.71M
• Dividend Yield: 1.75%
• Average Volume (3M): 197.53K
• Price to Earnings (P/E): 10.8
• Beta (1Y): 1.24
• Revenue Growth: 15.37%
• EPS Growth: N/A
• Country: US
• Employees: 77
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.39
• Shares Outstanding: 41,265,602
• 10 Day Avg. Volume: 210,539
• 30 Day Avg. Volume: 197,531
• PEG Ratio: 0.35
• Price to Book (P/B): 0.90
• Price to Sales (P/S): 1.39
• P/FCF Ratio: 10.71
• Enterprise Value/Market Cap: 2.37
• Enterprise Value/Revenue: 2.57
• Enterprise Value/Gross Profit: 4.67
• Enterprise Value/Ebitda: 18.90
• 1Y Price Target: $21.00
• Price Target Upside: 2.49% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 73 Outperform
• Price Target: $22.00 ▲(7.37% Upside)

Amerant Bancorp's overall stock score reflects a strong financial recovery and positive technical indicators, balanced by valuation concerns and challenges highlighted in the earnings call and recent corporate events. The company's strategic initiatives and focus on improving asset quality and operational efficiency are positive, but risks remain with increased nonperforming assets and leverage.

Positive Factors

Revenue Growth

The company's consistent revenue growth and improved profitability indicate strong market demand and effective business strategies, supporting long-term financial health.

International Expansion

The successful expansion into Latin American markets diversifies revenue streams and enhances growth prospects, strengthening Amerant's competitive position.

Strong Capital Position

A strong capital position with a solid CET1 ratio ensures financial stability and provides a buffer against economic uncertainties, supporting long-term growth initiatives.

Negative Factors

Increase in Nonperforming Assets

Rising nonperforming assets indicate potential credit quality issues, which could strain future profitability and necessitate higher provisions, impacting financial stability.

Leadership Change

Leadership changes can create uncertainty and disrupt strategic initiatives, potentially affecting operational continuity and investor confidence in the short to medium term.

Higher Credit Loss Provisions

Increased credit loss provisions reflect potential asset quality issues, which could impact profitability and signal underlying economic challenges in the bank's loan portfolio.

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 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 expenses related to deposits and borrowings. Additionally, the company earns non-interest income from various fees associated with banking services, such as account maintenance fees, transaction fees, and wealth management services. Significant partnerships and relationships with commercial clients also contribute to its earnings, especially through business lending and treasury management services. Overall, the company’s diversified approach allows it to leverage different revenue streams to enhance profitability.

Amerant Bancorp Financial Statement Overview

Summary

Amerant Bancorp's financial performance shows mixed results. While there is growth in revenue and free cash flow, profitability remains a challenge with low net profit margins and return on equity. The balance sheet indicates improved leverage, enhancing financial stability. The strong growth in free cash flow suggests potential for future improvement.

Income Statement

Amerant Bancorp's income statement shows a mixed performance. The TTM (Trailing-Twelve-Months) data indicates a slight revenue growth of 1.025%, but the net profit margin remains low at 0.63%. The gross profit margin is relatively healthy at 47.14%, yet the EBIT and EBITDA margins are minimal, reflecting challenges in operational efficiency. The company has shown improvement from previous periods, moving from negative to positive net income, but profitability remains a concern.

Balance Sheet

The balance sheet reflects a stable equity base with a debt-to-equity ratio of 1.05, showing a decrease from previous years, which is a positive sign of reduced leverage. However, the return on equity is low at 0.41%, indicating limited profitability relative to shareholder equity. The equity ratio is not explicitly calculated, but the overall asset base appears stable. The company has made progress in reducing debt levels, which enhances financial stability.

Cash Flow

Cash flow analysis reveals strong growth in free cash flow, with a significant increase of 64.29% in the TTM period. The operating cash flow to net income ratio is low at 0.019, suggesting potential issues in converting income into cash. However, the free cash flow to net income ratio is high at 0.96, indicating effective cash generation relative to net income. Overall, cash flow management appears robust, with a positive trajectory in free cash flow growth.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	652.51M	574.92M	551.02M	387.07M	307.75M	333.77M
Gross Profit	358.50M	244.83M	267.63M	301.01M	281.55M	174.15M
EBITDA	88.62M	-17.48M	48.17M	84.47M	151.29M	5.05M
Net Income	66.60M	-15.75M	32.49M	63.31M	112.92M	-1.72M
Balance Sheet
Total Assets	10.41B	9.90B	9.72B	9.13B	7.64B	7.77B
Cash, Cash Equivalents and Short-Term Investments	625.96M	2.00B	1.51B	1.31B	1.45B	1.44B
Total Debt	1.04B	1.00B	921.33M	1.20B	1.07B	1.17B
Total Liabilities	9.47B	9.01B	8.98B	8.42B	6.81B	6.99B
Stockholders Equity	944.94M	890.47M	736.07M	707.82M	834.48M	783.42M
Cash Flow
Free Cash Flow	174.71M	74.79M	15.79M	-59.79M	60.85M	51.67M
Operating Cash Flow	178.04M	82.19M	26.72M	-49.16M	67.43M	57.25M
Investing Cash Flow	-799.43M	-576.66M	-606.62M	-1.40B	385.32M	286.34M
Financing Cash Flow	580.41M	762.96M	611.17M	1.46B	-392.93M	-250.52M

Amerant Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 20.49
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• 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 20.49 is above the 20-day moving average (MA) of 18.65, above the 50-day MA of 18.13, and above the 200-day MA of 18.90, indicating a bullish trend. The MACD of 0.63 indicates Negative momentum. The RSI at 72.64 is Negative, neither overbought nor oversold. The STOCH value of 86.97 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
AMAL	82 Outperform	$928.03M	9.32	13.88%	1.73%	4.33%	-2.20%
CFFN	76 Outperform	$918.74M	13.33	6.53%	4.87%	6.27%	79.25%
UVSP	76 Outperform	$952.80M	11.20	9.61%	2.45%	4.49%	20.44%
SBSI	74 Outperform	$925.74M	13.37	8.53%	4.48%	-4.08%	-16.80%
AMTB	73 Outperform	$707.71M	10.82	7.21%	1.75%	15.37%	―
NBN	69 Neutral	$748.31M	8.82	19.62%	0.04%	33.22%	38.44%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Amerant Bancorp Corporate Events

Amerant Bancorp Highlights Strategic Focus in Florida

On November 11, 2025, Amerant Bancorp presented a slide presentation to existing and prospective investors, highlighting its strategic focus on organic growth in Florida following the sale of its Houston franchise. The company has completed a core conversion to a new tech system, enhancing customer service and operational efficiency, and continues to invest in business development and risk management to drive growth.

Amerant Bancorp Appoints Interim CEO Amid Leadership Change

On November 4, 2025, Amerant Bancorp announced the mutual agreement for Jerry Plush to step down as President and CEO, effective November 5, 2025. Carlos Iafigliola, previously the Senior Executive Vice President and Chief Operating Officer, has been appointed as the Interim CEO. The transition is part of Amerant’s ongoing efforts to advance its growth strategy and improve operational efficiency. The Board, led by newly appointed Chair Odilon Almeida Jr., will conduct a search for a permanent CEO. The leadership change is not related to any disagreements or compliance issues, and the Board is confident in Iafigliola’s ability to lead the company through its next phase of growth.

Amerant Bancorp Reports Q3 2025 Earnings Decline

On October 28, 2025, Amerant Bancorp reported a net income of $14.8 million for the third quarter of 2025, a decrease from the previous quarter’s $23.0 million. The company is focusing on reducing non-performing loans and plans to resume share buybacks and implement expense reductions to improve results. Total assets increased slightly to $10.4 billion, while total gross loans decreased to $6.9 billion. The company declared a cash dividend of $0.09 per share, payable on November 28, 2025.

Amerant Bancorp Reschedules Earnings Release to October 28

On October 22, 2025, Amerant Bancorp announced the rescheduling of its third quarter 2025 earnings release and investor conference call to October 28, 2025, to complete its customary review process. Additionally, the company’s Board of Directors declared a cash dividend of $0.09 per share, payable on November 28, 2025, to shareholders of record on November 14, 2025.