AMERANT BANCORP INC (AMTB) Fundamental Analysis & Valuation

NYSE:AMTB • US0235761014

Current stock price

23.81 USD
+0.11 (+0.46%)
At close:
23.81 USD
0 (0%)
After Hours:

This AMTB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. AMTB Profitability Analysis

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.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M -50M 100M

1.2 Ratios

  • AMTB's Return On Assets of 0.54% is on the low side compared to the rest of the industry. AMTB is outperformed by 81.70% of its industry peers.
  • AMTB has a worse Return On Equity (5.58%) than 80.11% of its industry peers.
Industry RankSector Rank
ROA 0.54%
ROE 5.58%
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
AMTB Yearly ROA, ROE, ROICAMTB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 10

1.3 Margins

  • With a Profit Margin value of 11.93%, AMTB is not doing good in the industry: 85.41% of the companies in the same industry are doing better.
  • AMTB's Profit Margin has declined in the last couple of years.
  • The Operating Margin and Gross Margin are not available for AMTB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 11.93%
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
AMTB Yearly Profit, Operating, Gross MarginsAMTB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. AMTB Health Analysis

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 less shares outstanding
  • The number of shares outstanding for AMTB has been increased 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 2025 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 2025 2B 4B 6B 8B

2.2 Solvency

  • The Debt to FCF ratio of AMTB is 0.73, which is an excellent value as it means it would take AMTB, only 0.73 years of fcf income to pay off all of its debts.
  • With a decent Debt to FCF ratio value of 0.73, AMTB is doing good in the industry, outperforming 74.54% 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 67.90% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 0.73
Altman-Z N/A
ROIC/WACCN/A
WACC15.74%
AMTB Yearly LT Debt VS Equity VS FCFAMTB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 100M 200M 300M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. AMTB Growth Analysis

3.1 Past

  • AMTB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 26.28%, which is quite impressive.
  • The Earnings Per Share has been decreasing by -2.21% on average over the past years.
  • The Revenue has grown by 30.80% in the past year. This is a very strong growth!
  • 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 25.28% yearly.
  • Based on estimates for the next years, AMTB will show a small growth in Revenue. The Revenue will grow by 2.27% on average per year.
EPS Next Y23.79%
EPS Next 2Y25.28%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-2.96%
Revenue Next 2Y2.27%
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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
AMTB Yearly Revenue VS EstimatesAMTB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 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 2027 0 1 2

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6

4. AMTB Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 13.76 indicates a correct valuation of AMTB.
  • Based on the Price/Earnings ratio, AMTB is valued a bit more expensive than 61.80% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.87. AMTB is valued rather cheaply when compared to this.
  • The Price/Forward Earnings ratio is 11.12, which indicates a very decent valuation of AMTB.
  • AMTB's Price/Forward Earnings ratio is in line with the industry average.
  • When comparing the Price/Forward Earnings ratio of AMTB to the average of the S&P500 Index (38.51), we can say AMTB is valued rather cheaply.
Industry RankSector Rank
PE 13.76
Fwd PE 11.12
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

  • AMTB's Price/Free Cash Flow ratio is rather cheap when compared to the industry. AMTB is cheaper than 85.41% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.41
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 25.28% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.58
PEG (5Y)N/A
EPS Next 2Y25.28%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. AMTB Dividend Analysis

5.1 Amount

  • AMTB has a Yearly Dividend Yield of 1.49%. Purely for dividend investing, there may be better candidates out there.
  • AMTB's Dividend Yield is slightly below the industry average, which is at 2.54.
  • Compared to an average S&P500 Dividend Yield of 1.82, AMTB has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.49%

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 in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years2
AMTB Yearly Dividends per shareAMTB Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • AMTB pays out 28.80% of its income as dividend. This is a sustainable payout ratio.
DP28.8%
EPS Next 2Y25.28%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M -50M 100M
AMTB Dividend Payout.AMTB Dividend Payout, showing the Payout Ratio.AMTB Dividend Payout.PayoutRetained Earnings

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AMTB Fundamentals: All Metrics, Ratios and Statistics

AMERANT BANCORP INC

NYSE:AMTB (4/17/2026, 8:04:00 PM)

After market: 23.81 0 (0%)

23.81

+0.11 (+0.46%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-23
Inst Owners64.24%
Inst Owner Change0.05%
Ins Owners0.82%
Ins Owner Change2.54%
Market Cap957.88M
Revenue(TTM)439.30M
Net Income(TTM)52.42M
Analysts82
Price Target24.99 (4.96%)
Short Float %3.77%
Short Ratio4.67
Dividend
Industry RankSector Rank
Dividend Yield 1.49%
Yearly Dividend0.37
Dividend Growth(5Y)N/A
DP28.8%
Div Incr Years0
Div Non Decr Years2
Ex-Date02-13
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)4.35%
Min EPS beat(2)-27.86%
Max EPS beat(2)36.56%
EPS beat(4)2
Avg EPS beat(4)2.71%
Min EPS beat(4)-40.58%
Max EPS beat(4)42.7%
EPS beat(8)4
Avg EPS beat(8)7.63%
EPS beat(12)6
Avg EPS beat(12)1.26%
EPS beat(16)8
Avg EPS beat(16)-2.12%
Revenue beat(2)1
Avg Revenue beat(2)0.45%
Min Revenue beat(2)-0.86%
Max Revenue beat(2)1.77%
Revenue beat(4)3
Avg Revenue beat(4)1.74%
Min Revenue beat(4)-0.86%
Max Revenue beat(4)4.57%
Revenue beat(8)6
Avg Revenue beat(8)2.41%
Revenue beat(12)10
Avg Revenue beat(12)3.57%
Revenue beat(16)12
Avg Revenue beat(16)3.24%
PT rev (1m)0%
PT rev (3m)15.29%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-7.76%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.6%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-4.59%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-4.95%
Valuation
Industry RankSector Rank
PE 13.76
Fwd PE 11.12
P/S 2.18
P/FCF 7.41
P/OCF 6.99
P/B 1.02
P/tB 1.04
EV/EBITDA N/A
EPS(TTM)1.73
EY7.27%
EPS(NY)2.14
Fwd EY8.99%
FCF(TTM)3.21
FCFY13.49%
OCF(TTM)3.4
OCFY14.3%
SpS10.92
BVpS23.34
TBVpS22.86
PEG (NY)0.58
PEG (5Y)N/A
Graham Number30.1388 (26.58%)
Profitability
Industry RankSector Rank
ROA 0.54%
ROE 5.58%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 11.93%
GM N/A
FCFM 29.42%
ROA(3y)0.24%
ROA(5y)0.58%
ROE(3y)2.74%
ROE(5y)6.14%
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 3Y-14.29%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 0.73
Debt/EBITDA N/A
Cap/Depr 115.84%
Cap/Sales 1.76%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 246.55%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC15.74%
ROIC/WACCN/A
Cap/Depr(3y)129.26%
Cap/Depr(5y)131.81%
Cap/Sales(3y)2.2%
Cap/Sales(5y)2.36%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)26.28%
EPS 3Y-2.21%
EPS 5YN/A
EPS Q2Q%6%
EPS Next Y23.79%
EPS Next 2Y25.28%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)30.8%
Revenue growth 3Y9.56%
Revenue growth 5Y10.8%
Sales Q2Q%0.76%
Revenue Next Year-2.96%
Revenue Next 2Y2.27%
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 1Y72.79%
FCF growth 3YN/A
FCF growth 5Y20.12%
OCF growth 1Y66.65%
OCF growth 3YN/A
OCF growth 5Y19.06%

AMERANT BANCORP INC / AMTB Fundamental Analysis 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.


What is the profitability of AMTB stock?

AMERANT BANCORP INC (AMTB) has a profitability rating of 2 / 10.


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

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


Can you provide the expected EPS growth for AMTB stock?

The Earnings per Share (EPS) of AMERANT BANCORP INC (AMTB) is expected to grow by 23.79% in the next year.