AMERANT BANCORP INC (AMTB) Stock Fundamental Analysis
USA - NYSE:AMTB - US0235761014 - Common Stock
17.6 USD
-0.18 (-1.01%)
17.6 USD
0 (0%)
Taking everything into account, AMTB scores 4 out of 10 in our fundamental rating. AMTB was compared to 388 industry peers in the Banks industry. AMTB scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. A decent growth rate in combination with a cheap valuation! Better keep an eye on AMTB.
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.
In multiple years AMTB reported negative net income over the last 5 years.
Of the past 5 years AMTB 4 years had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.04%, AMTB is doing worse than 89.18% of the companies in the same industry.
AMTB has a Return On Equity of 0.40%. This is amonst the worse of the industry: AMTB underperforms 88.92% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.04% | ||
| ROE | 0.4% | ||
| 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
1.3 Margins
Looking at the Profit Margin, with a value of 1.02%, AMTB is doing worse than 89.18% of the companies in the same industry.
The Operating Margin and Gross Margin are not available for AMTB so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 1.02% | ||
| 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
2. Health
2.1 Basic Checks
AMTB does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, AMTB has more shares outstanding
The number of shares outstanding for AMTB has been reduced compared to 5 years ago.
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 0.61, which is an excellent value as it means it would take AMTB, only 0.61 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.61, AMTB belongs to the top of the industry, outperforming 80.15% of the companies in the same industry.
A Debt/Equity ratio of 0.10 indicates that AMTB is not too dependend on debt financing.
AMTB's Debt to Equity ratio of 0.10 is fine compared to the rest of the industry. AMTB outperforms 69.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.61 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC17.63%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 53.15% over the past year.
The Earnings Per Share has been growing slightly by 2.18% on average over the past years.
Looking at the last year, AMTB shows a very negative growth in Revenue. The Revenue has decreased by -18.87% in the last 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)53.15%
EPS 3Y-7.84%
EPS 5Y2.18%
EPS Q2Q%44.44%
Revenue 1Y (TTM)-18.87%
Revenue growth 3Y1.03%
Revenue growth 5Y4.45%
Sales Q2Q%9.47%
3.2 Future
The Earnings Per Share is expected to grow by 25.38% on average over the next years. This is a very strong growth
Based on estimates for the next years, AMTB will show a quite strong growth in Revenue. The Revenue will grow by 8.67% on average per year.
EPS Next Y23.09%
EPS Next 2Y29.16%
EPS Next 3Y25.38%
EPS Next 5YN/A
Revenue Next Year15.5%
Revenue Next 2Y9.6%
Revenue Next 3Y8.67%
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.
4. Valuation
4.1 Price/Earnings Ratio
AMTB is valuated reasonably with a Price/Earnings ratio of 10.35.
Based on the Price/Earnings ratio, AMTB is valued a bit cheaper than 67.27% of the companies in the same industry.
When comparing the Price/Earnings ratio of AMTB to the average of the S&P500 Index (25.89), we can say AMTB is valued rather cheaply.
The Price/Forward Earnings ratio is 7.70, which indicates a rather cheap valuation of AMTB.
AMTB's Price/Forward Earnings ratio is rather cheap when compared to the industry. AMTB is cheaper than 85.57% of the companies in the same industry.
AMTB is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.59, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.35 | ||
| Fwd PE | 7.7 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, AMTB is valued cheaper than 91.49% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.78 | ||
| 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.
AMTB's earnings are expected to grow with 25.38% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.45
PEG (5Y)4.75
EPS Next 2Y29.16%
EPS Next 3Y25.38%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.02%, AMTB has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.39, AMTB is paying slightly less dividend.
AMTB's Dividend Yield is comparable with the S&P500 average which is at 2.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.02% |
5.2 History
AMTB has been paying a dividend for over 5 years, so it has already some track record.
AMTB has decreased its dividend recently.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years1
5.3 Sustainability
AMTB pays out 392.60% of its income as dividend. This is not a sustainable payout ratio.
DP392.6%
EPS Next 2Y29.16%
EPS Next 3Y25.38%
17.6
-0.18 (-1.01%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners64.15%
Inst Owner Change-1.65%
Ins Owners1.14%
Ins Owner Change0.72%
Market Cap734.80M
Revenue(TTM)335.87M
Net Income(TTM)3.68M
Analysts82
Price Target24.48 (39.09%)
Short Float %2.35%
Short Ratio4.05
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.02% |
Yearly Dividend0.34
Dividend Growth(5Y)N/A
DP392.6%
Div Incr Years0
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.06%
Min EPS beat(2)-40.58%
Max EPS beat(2)42.7%
EPS beat(4)3
Avg EPS beat(4)21.68%
Min EPS beat(4)-40.58%
Max EPS beat(4)56.11%
EPS beat(8)4
Avg EPS beat(8)1.89%
EPS beat(12)6
Avg EPS beat(12)0.2%
EPS beat(16)9
Avg EPS beat(16)-0.09%
Revenue beat(2)2
Avg Revenue beat(2)3.03%
Min Revenue beat(2)1.5%
Max Revenue beat(2)4.57%
Revenue beat(4)4
Avg Revenue beat(4)3.95%
Min Revenue beat(4)1.29%
Max Revenue beat(4)8.43%
Revenue beat(8)7
Avg Revenue beat(8)3.54%
Revenue beat(12)11
Avg Revenue beat(12)5.13%
Revenue beat(16)12
Avg Revenue beat(16)9.15%
PT rev (1m)3.23%
PT rev (3m)3.23%
EPS NQ rev (1m)2.79%
EPS NQ rev (3m)2%
EPS NY rev (1m)-10.99%
EPS NY rev (3m)0.28%
Revenue NQ rev (1m)-0.27%
Revenue NQ rev (3m)-0.27%
Revenue NY rev (1m)-0.39%
Revenue NY rev (3m)-0.39%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.35 | ||
| Fwd PE | 7.7 | ||
| P/S | 2.04 | ||
| P/FCF | 4.78 | ||
| P/OCF | 4.61 | ||
| P/B | 0.79 | ||
| P/tB | 0.81 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.7
EY9.66%
EPS(NY)2.29
Fwd EY12.98%
FCF(TTM)3.68
FCFY20.9%
OCF(TTM)3.82
OCFY21.71%
SpS8.63
BVpS22.14
TBVpS21.68
PEG (NY)0.45
PEG (5Y)4.75
Graham Number29.1
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.04% | ||
| ROE | 0.4% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 1.02% | ||
| GM | N/A | ||
| FCFM | 42.63% |
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
ROICexgc growth 3YN/A
ROICexgc 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-Score5
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.61 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 90.12% | ||
| Cap/Sales | 1.65% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 4177.05% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC17.63%
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)53.15%
EPS 3Y-7.84%
EPS 5Y2.18%
EPS Q2Q%44.44%
EPS Next Y23.09%
EPS Next 2Y29.16%
EPS Next 3Y25.38%
EPS Next 5YN/A
Revenue 1Y (TTM)-18.87%
Revenue growth 3Y1.03%
Revenue growth 5Y4.45%
Sales Q2Q%9.47%
Revenue Next Year15.5%
Revenue Next 2Y9.6%
Revenue Next 3Y8.67%
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 1Y809.42%
FCF growth 3Y7.12%
FCF growth 5Y3.12%
OCF growth 1Y2031.56%
OCF growth 3Y6.82%
OCF growth 5Y0.95%
AMERANT BANCORP INC / AMTB FAQ
What is the fundamental rating for AMTB stock?
ChartMill assigns a fundamental rating of 4 / 10 to AMTB.
Can you provide the valuation status for AMERANT BANCORP INC?
ChartMill assigns a valuation rating of 8 / 10 to AMERANT BANCORP INC (AMTB). This can be considered as Undervalued.
Can you provide the profitability details for AMERANT BANCORP INC?
AMERANT BANCORP INC (AMTB) has a profitability rating of 1 / 10.
What is the earnings growth outlook for AMERANT BANCORP INC?
The Earnings per Share (EPS) of AMERANT BANCORP INC (AMTB) is expected to grow by 23.09% in the next year.
Can you provide the dividend sustainability for AMTB stock?
The dividend rating of AMERANT BANCORP INC (AMTB) is 2 / 10 and the dividend payout ratio is 392.6%.