Amerant Bancorp (AMTB) AI Stock Analysis

• Market Cap: $828.73M
• Dividend Yield: 1.79%
• Average Volume (3M): 211.20K
• Price to Earnings (P/E): ―
• Beta (1Y): 1.30
• Revenue Growth: -6.88%
• EPS Growth: -131.00%
• Country: US
• Employees: 77
• Sector: Financial
• Sector Strength: 67
• Industry: Banks - Regional
• EPS (TTM): 0.57
• Shares Outstanding: 41,749,370
• 10 Day Avg. Volume: 187,827
• 30 Day Avg. Volume: 211,199
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 2.02
• Enterprise Value/Revenue: 4.01
• Enterprise Value/Gross Profit: 9.64
• Enterprise Value/Ebitda: -71.64
• 1Y Price Target: $23.38
• Price Target Upside: 16.38% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 4

• Rating: 64 Neutral
• Price Target: $21.50 ▲(7.02% Upside)

Amerant Bancorp's overall stock score reflects mixed financial performance and valuation concerns, balanced by positive technical indicators and a moderately favorable earnings call. The company's strategic initiatives and operational improvements are promising, but profitability challenges and valuation issues weigh on the score.

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 (AMTB) is a financial holding company headquartered in Coral Gables, Florida. It operates primarily through its subsidiary, Amerant Bank, offering a variety of banking and financial services. The bank engages in commercial and retail banking, providing products such as personal and business loans, mortgages, deposit accounts, and wealth management services. Amerant Bancorp serves a diverse clientele, including individuals, businesses, and institutions, primarily in the southeastern United States and Latin America.

How the Company Makes Money

Amerant Bancorp generates revenue primarily through interest income from loans and investment securities, along with non-interest income from fees and services. The key revenue streams include interest earned on commercial and residential loans, which typically constitute a significant portion of their earnings. Additionally, the bank earns fees through various financial services, such as account maintenance fees, transaction fees, and wealth management services. The company also benefits from net interest margin, which is the difference between interest income generated and interest paid on deposits. Partnerships with local businesses and community organizations enhance its customer base and revenue potential, while its strategic focus on the Hispanic market in the U.S. positions it well for growth in underserved demographics.

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

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

Amerant Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 20.09
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: 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 20.09 is above the 20-day moving average (MA) of 19.55, above the 50-day MA of 18.90, and below the 200-day MA of 20.51, indicating a neutral trend. The MACD of 0.25 indicates Negative momentum. The RSI at 57.46 is Neutral, neither overbought nor oversold. The STOCH value of 70.97 is Neutral, 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	81 Outperform	$915.59M	9.50	12.51%	1.37%	2.02%	-2.80%
FCBC	80 Outperform	$660.25M	13.24	9.91%	9.09%	0.89%	-2.22%
NBN	79 Outperform	$798.65M	9.93	19.16%	0.04%	33.02%	33.76%
HBT	75 Outperform	$787.07M	10.31	14.08%	3.27%	4.86%	7.89%
Sector *	68 Neutral	$17.57B	11.64	10.45%	3.85%	9.71%	1.93%
CFFN	67 Neutral	$808.76M	12.94	5.92%	5.57%	6.49%	―
AMTB	64 Neutral	$828.73M	―	0.44%	1.79%	-6.88%	-131.00%

Amerant Bancorp Corporate Events

Amerant Bancorp Reports Strong Q2 Financial Results

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.

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.

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.