We assign a fundamental rating of 4 out of 10 to AMTB. AMTB was compared to 383 industry peers in the Banks industry. AMTB may be in some trouble as it scores bad on both profitability and health. AMTB has a correct valuation and a medium growth rate.

Quickly go to:

1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

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.
Of the past 5 years AMTB 4 years were profitable.
The reported operating cash flow has been mixed in the past 5 years: AMTB reported negative operating cash flow in multiple years.

1.2 Ratios

AMTB has a Return On Assets of 0.64%. This is in the lower half of the industry: AMTB underperforms 69.71% of its industry peers.
The Return On Equity of AMTB (7.05%) is worse than 66.06% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.64%
ROE	7.05%
ROIC	N/A

ROA(3y)0.24%

ROA(5y)0.58%

ROE(3y)2.74%

ROE(5y)6.14%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin of AMTB (15.19%) is worse than 76.76% of its industry peers.
AMTB's Profit Margin has declined in the last couple of years.
AMTB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	15.19%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-14.29%

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

AMTB does not have a ROIC to compare to the WACC, probably because it is not profitable.
AMTB has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, AMTB has more shares outstanding
The debt/assets ratio for AMTB has been reduced compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of AMTB is 0.54, which is an excellent value as it means it would take AMTB, only 0.54 years of fcf income to pay off all of its debts.
AMTB has a better Debt to FCF ratio (0.54) than 79.11% 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 68.67% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.1
Debt/FCF	0.54
Altman-Z	N/A

ROIC/WACCN/A

WACC16.76%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 26.28% over the past year.
The Earnings Per Share has been decreasing by -2.21% on average over the past years.
Looking at the last year, AMTB shows a very strong growth in Revenue. The Revenue has grown by 30.80%.
The Revenue has been growing by 10.80% on average over the past years. This is quite good.

EPS 1Y (TTM)26.28%

EPS 3Y-2.21%

EPS 5YN/A

EPS Q2Q%6%

Revenue 1Y (TTM)30.8%

Revenue growth 3Y9.56%

Revenue growth 5Y10.8%

Sales Q2Q%0.76%

3.2 Future

AMTB is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 26.40% yearly.
The Revenue is expected to grow by 4.86% on average over the next years.

EPS Next Y30.61%

EPS Next 2Y26.4%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year1.48%

Revenue Next 2Y4.86%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 12.54 indicates a correct valuation of AMTB.
The rest of the industry has a similar Price/Earnings ratio as AMTB.
AMTB is valuated cheaply when we compare the Price/Earnings ratio to 28.32, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 9.60, the valuation of AMTB can be described as very reasonable.
Based on the Price/Forward Earnings ratio, AMTB is valued a bit cheaper than the industry average as 70.76% of the companies are valued more expensively.
AMTB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.57.

		Industry Rank	Sector Rank
PE	12.54
Fwd PE	9.6

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, AMTB is valued cheaply inside the industry as 92.43% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	5.13
EV/EBITDA	N/A

4.3 Compensation for Growth

AMTB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as AMTB's earnings are expected to grow with 26.40% in the coming years.

PEG (NY)0.41

PEG (5Y)N/A

EPS Next 2Y26.4%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

AMTB has a Yearly Dividend Yield of 1.66%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 2.67, AMTB is paying slightly less dividend.
AMTB's Dividend Yield is comparable with the S&P500 average which is at 1.83.

		Industry Rank	Sector Rank
Dividend Yield	1.66%

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

5.3 Sustainability

22.80% of the earnings are spent on dividend by AMTB. This is a low number and sustainable payout ratio.

DP22.8%

EPS Next 2Y26.4%

EPS Next 3YN/A

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AMERANT BANCORP INC / AMTB FAQ

What is the fundamental rating for AMTB stock?

ChartMill assigns a fundamental rating of 4 / 10 to AMTB.

What is the valuation status for AMTB stock?

ChartMill assigns a valuation rating of 6 / 10 to AMERANT BANCORP INC (AMTB). This can be considered as Fairly Valued.

Can you provide the profitability details for AMERANT BANCORP INC?

AMERANT BANCORP INC (AMTB) has a profitability rating of 1 / 10.

What are the PE and PB ratios of AMERANT BANCORP INC (AMTB) stock?

The Price/Earnings (PE) ratio for AMERANT BANCORP INC (AMTB) is 12.54 and the Price/Book (PB) ratio is 0.95.

What is the financial health of AMERANT BANCORP INC (AMTB) stock?

The financial health rating of AMERANT BANCORP INC (AMTB) is 3 / 10.