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AMERANT BANCORP INC (AMTB) Stock Fundamental Analysis

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

19.04  +0.1 (+0.53%)

After market: 19.04 0 (0%)

Fundamental Rating

3

Overall AMTB gets a fundamental rating of 3 out of 10. We evaluated AMTB against 392 industry peers in the Banks industry. AMTB may be in some trouble as it scores bad on both profitability and health. 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.
AMTB had a positive operating cash flow in the past year.
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

AMTB has a worse Return On Assets (-0.14%) than 91.84% of its industry peers.
AMTB's Return On Equity of -1.58% is on the low side compared to the rest of the industry. AMTB is outperformed by 92.60% 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

AMTB does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
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.
AMTB has more shares outstanding than it did 1 year ago.
AMTB has less shares outstanding than it did 5 years ago.
The debt/assets ratio for AMTB has been reduced compared to a year ago.
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.
The Debt to FCF ratio of AMTB (1.64) is comparable to the rest of the industry.
AMTB has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.10, AMTB is doing good in the industry, outperforming 69.39% 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
WACC16.99%
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 has been growing slightly by 5.33% over the past year.
AMTB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.18% yearly.
The Revenue has decreased by -8.32% in the past year.
AMTB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.45% yearly.
EPS 1Y (TTM)5.33%
EPS 3Y-7.84%
EPS 5Y2.18%
EPS Q2Q%103.57%
Revenue 1Y (TTM)-8.32%
Revenue growth 3Y1.03%
Revenue growth 5Y4.45%
Sales Q2Q%11.62%

3.2 Future

AMTB is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 32.21% yearly.
The Revenue is expected to grow by 11.25% on average over the next years. This is quite good.
EPS Next Y22.75%
EPS Next 2Y32.21%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year15.95%
Revenue Next 2Y11.25%
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 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

With a Price/Earnings ratio of 12.05, AMTB is valued correctly.
The rest of the industry has a similar Price/Earnings ratio as AMTB.
AMTB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.03.
The Price/Forward Earnings ratio is 7.95, which indicates a rather cheap valuation of AMTB.
79.34% 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 36.28.
Industry RankSector Rank
PE 12.05
Fwd PE 7.95
AMTB Price Earnings VS Forward Price EarningsAMTB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of AMTB indicates a somewhat cheap valuation: AMTB is cheaper than 76.53% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 8.5
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

AMTB's 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)0.53
PEG (5Y)5.53
EPS Next 2Y32.21%
EPS Next 3YN/A

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1

5. Dividend

5.1 Amount

AMTB has a Yearly Dividend Yield of 1.87%. Purely for dividend investing, there may be better candidates out there.
AMTB's Dividend Yield is slightly below the industry average, which is at 3.51.
AMTB's Dividend Yield is slightly below the S&P500 average, which is at 2.40.
Industry RankSector Rank
Dividend Yield 1.87%

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

AMTB has negative earnings and hence a negative payout ratio. The dividend may be in danger.
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 (8/5/2025, 8:04:00 PM)

After market: 19.04 0 (0%)

19.04

+0.1 (+0.53%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-23 2025-07-23/amc
Earnings (Next)10-21 2025-10-21/amc
Inst Owners66.67%
Inst Owner Change-0.56%
Ins Owners1.16%
Ins Owner Change6.31%
Market Cap794.92M
Analysts78.18
Price Target22.44 (17.86%)
Short Float %2.93%
Short Ratio5
Dividend
Industry RankSector Rank
Dividend Yield 1.87%
Yearly Dividend0.34
Dividend Growth(5Y)N/A
DP-95.34%
Div Incr Years0
Div Non Decr Years1
Ex-Date08-15 2025-08-15 (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)0%
PT rev (3m)-16.67%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-16.98%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.61%
Revenue NY rev (1m)3.2%
Revenue NY rev (3m)1.36%
Valuation
Industry RankSector Rank
PE 12.05
Fwd PE 7.95
P/S 2.28
P/FCF 8.5
P/OCF 7.98
P/B 0.88
P/tB 0.9
EV/EBITDA N/A
EPS(TTM)1.58
EY8.3%
EPS(NY)2.39
Fwd EY12.58%
FCF(TTM)2.24
FCFY11.76%
OCF(TTM)2.39
OCFY12.53%
SpS8.36
BVpS21.71
TBVpS21.25
PEG (NY)0.53
PEG (5Y)5.53
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
WACC16.99%
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)5.33%
EPS 3Y-7.84%
EPS 5Y2.18%
EPS Q2Q%103.57%
EPS Next Y22.75%
EPS Next 2Y32.21%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-8.32%
Revenue growth 3Y1.03%
Revenue growth 5Y4.45%
Sales Q2Q%11.62%
Revenue Next Year15.95%
Revenue Next 2Y11.25%
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%