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AMERANT BANCORP INC (AMTB) Stock Fundamental Analysis

NYSE:AMTB - New York Stock Exchange, Inc. - US0235761014 - Common Stock - Currency: USD

17.75  +0.34 (+1.95%)

After market: 17.75 0 (0%)

Fundamental Rating

3

AMTB gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 395 industry peers in the Banks industry. AMTB has a bad profitability rating. Also its financial health evaluation is rather negative. AMTB is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year AMTB was profitable.
In the past year AMTB had a positive cash flow from operations.
The reported net income has been mixed in the past 5 years: AMTB reported negative net income in multiple years.
Of the past 5 years AMTB 4 years had a positive operating cash flow.
AMTB Yearly Net Income VS EBIT VS OCF VS FCFAMTB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M

1.2 Ratios

Looking at the Return On Assets, with a value of -0.14%, AMTB is doing worse than 91.14% of the companies in the same industry.
AMTB's Return On Equity of -1.58% is on the low side compared to the rest of the industry. AMTB is outperformed by 92.15% of its industry peers.
Industry RankSector Rank
ROA -0.14%
ROE -1.58%
ROIC N/A
ROA(3y)0.29%
ROA(5y)0.46%
ROE(3y)3.86%
ROE(5y)4.98%
ROIC(3y)N/A
ROIC(5y)N/A
AMTB Yearly ROA, ROE, ROICAMTB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10

1.3 Margins

The Profit Margin and Operating Margin and Gross Margin are not available for AMTB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
AMTB Yearly Profit, Operating, Gross MarginsAMTB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 20 30

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3

2. Health

2.1 Basic Checks

AMTB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for AMTB has been increased compared to 1 year ago.
The number of shares outstanding for AMTB has been reduced compared to 5 years ago.
AMTB has a better debt/assets ratio than last year.
AMTB Yearly Shares OutstandingAMTB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
AMTB Yearly Total Debt VS Total AssetsAMTB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

2.2 Solvency

The Debt to FCF ratio of AMTB is 1.64, which is an excellent value as it means it would take AMTB, only 1.64 years of fcf income to pay off all of its debts.
AMTB has a Debt to FCF ratio of 1.64. This is comparable to the rest of the industry: AMTB outperforms 56.20% of its industry peers.
A Debt/Equity ratio of 0.10 indicates that AMTB is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.10, AMTB is doing good in the industry, outperforming 69.11% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 1.64
Altman-Z N/A
ROIC/WACCN/A
WACC17.74%
AMTB Yearly LT Debt VS Equity VS FCFAMTB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M 800M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
AMTB Yearly Current Assets VS Current LiabilitesAMTB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

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5

3. Growth

3.1 Past

The earnings per share for AMTB have decreased strongly by -10.42% in the last year.
AMTB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.18% yearly.
AMTB shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -13.81%.
AMTB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.45% yearly.
EPS 1Y (TTM)-10.42%
EPS 3Y-7.84%
EPS 5Y2.18%
EPS Q2Q%-25%
Revenue 1Y (TTM)-13.81%
Revenue growth 3Y1.03%
Revenue growth 5Y4.45%
Sales Q2Q%14.03%

3.2 Future

Based on estimates for the next years, AMTB will show a very strong growth in Earnings Per Share. The EPS will grow by 32.21% on average per year.
AMTB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.62% yearly.
EPS Next Y22.75%
EPS Next 2Y32.21%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.36%
Revenue Next 2Y10.62%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
AMTB Yearly Revenue VS EstimatesAMTB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M 400M
AMTB Yearly EPS VS EstimatesAMTB Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 0.5 -0.5 1 1.5 2

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6

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 13.76 indicates a correct valuation of AMTB.
62.78% of the companies in the same industry are cheaper than AMTB, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of AMTB to the average of the S&P500 Index (26.19), we can say AMTB is valued slightly cheaper.
A Price/Forward Earnings ratio of 7.41 indicates a rather cheap valuation of AMTB.
85.06% of the companies in the same industry are more expensive than AMTB, based on the Price/Forward Earnings ratio.
AMTB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.13.
Industry RankSector Rank
PE 13.76
Fwd PE 7.41
AMTB Price Earnings VS Forward Price EarningsAMTB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, AMTB is valued a bit cheaper than 78.99% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.94
EV/EBITDA N/A
AMTB Per share dataAMTB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
AMTB's earnings are expected to grow with 32.21% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.6
PEG (5Y)6.31
EPS Next 2Y32.21%
EPS Next 3YN/A

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2

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.09%, AMTB has a reasonable but not impressive dividend return.
In the last 3 months the price of AMTB has falen by -22.69%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
Compared to an average industry Dividend Yield of 3.45, AMTB is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.40, AMTB has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.09%

5.2 History

AMTB has been paying a dividend for over 5 years, so it has already some track record.
The dividend of AMTB decreased recently.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years1
AMTB Yearly Dividends per shareAMTB Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

The earnings of AMTB are negative and hence is the payout ratio. AMTB will probably not be able to sustain this dividend level.
DP-95.34%
EPS Next 2Y32.21%
EPS Next 3YN/A
AMTB Yearly Income VS Free CF VS DividendAMTB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M

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AMERANT BANCORP INC

NYSE:AMTB (5/29/2025, 8:04:00 PM)

After market: 17.75 0 (0%)

17.75

+0.34 (+1.95%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-23 2025-04-23/amc
Earnings (Next)07-22 2025-07-22/amc
Inst Owners64.87%
Inst Owner Change2.52%
Ins Owners6.51%
Ins Owner Change4.94%
Market Cap742.48M
Analysts78.18
Price Target22.44 (26.42%)
Short Float %3.47%
Short Ratio5.79
Dividend
Industry RankSector Rank
Dividend Yield 2.09%
Yearly Dividend0.34
Dividend Growth(5Y)N/A
DP-95.34%
Div Incr Years0
Div Non Decr Years1
Ex-Date05-15 2025-05-15 (0.09)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)7.77%
Min EPS beat(2)-40.58%
Max EPS beat(2)56.11%
EPS beat(4)2
Avg EPS beat(4)5.62%
Min EPS beat(4)-40.58%
Max EPS beat(4)56.11%
EPS beat(8)4
Avg EPS beat(8)-2.73%
EPS beat(12)5
Avg EPS beat(12)-7.61%
EPS beat(16)9
Avg EPS beat(16)-1.69%
Revenue beat(2)2
Avg Revenue beat(2)4.97%
Min Revenue beat(2)1.5%
Max Revenue beat(2)8.43%
Revenue beat(4)4
Avg Revenue beat(4)3.66%
Min Revenue beat(4)1.29%
Max Revenue beat(4)8.43%
Revenue beat(8)7
Avg Revenue beat(8)4.42%
Revenue beat(12)10
Avg Revenue beat(12)4.19%
Revenue beat(16)12
Avg Revenue beat(16)9.13%
PT rev (1m)-16.67%
PT rev (3m)-20.29%
EPS NQ rev (1m)-16.32%
EPS NQ rev (3m)-16.68%
EPS NY rev (1m)-16.98%
EPS NY rev (3m)-17.4%
Revenue NQ rev (1m)-2.24%
Revenue NQ rev (3m)-2.45%
Revenue NY rev (1m)-1.78%
Revenue NY rev (3m)-1.9%
Valuation
Industry RankSector Rank
PE 13.76
Fwd PE 7.41
P/S 2.13
P/FCF 7.94
P/OCF 7.45
P/B 0.82
P/tB 0.84
EV/EBITDA N/A
EPS(TTM)1.29
EY7.27%
EPS(NY)2.39
Fwd EY13.49%
FCF(TTM)2.23
FCFY12.59%
OCF(TTM)2.38
OCFY13.42%
SpS8.34
BVpS21.67
TBVpS21.21
PEG (NY)0.6
PEG (5Y)6.31
Profitability
Industry RankSector Rank
ROA -0.14%
ROE -1.58%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 26.8%
ROA(3y)0.29%
ROA(5y)0.46%
ROE(3y)3.86%
ROE(5y)4.98%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 1.64
Debt/EBITDA N/A
Cap/Depr 91.33%
Cap/Sales 1.76%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC17.74%
ROIC/WACCN/A
Cap/Depr(3y)150.9%
Cap/Depr(5y)120.51%
Cap/Sales(3y)2.68%
Cap/Sales(5y)2.43%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-10.42%
EPS 3Y-7.84%
EPS 5Y2.18%
EPS Q2Q%-25%
EPS Next Y22.75%
EPS Next 2Y32.21%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-13.81%
Revenue growth 3Y1.03%
Revenue growth 5Y4.45%
Sales Q2Q%14.03%
Revenue Next Year12.36%
Revenue Next 2Y10.62%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y236.9%
FCF growth 3Y7.12%
FCF growth 5Y3.12%
OCF growth 1Y278.39%
OCF growth 3Y6.82%
OCF growth 5Y0.95%