Logo image of AMTB

AMERANT BANCORP INC (AMTB) Stock Fundamental Analysis

NYSE:AMTB - US0235761014 - Common Stock

21.5 USD
0 (0%)
Last: 8/29/2025, 4:15:00 PM
21.5 USD
0 (0%)
After Hours: 8/29/2025, 4:15:00 PM
Fundamental Rating

3

Overall AMTB gets a fundamental rating of 3 out of 10. We evaluated AMTB against 393 industry peers in the Banks industry. The financial health of AMTB is average, but there are quite some concerns on its profitability. AMTB has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

Quickly go to:

1

1. Profitability

1.1 Basic Checks

AMTB had positive earnings in the past year.
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 Return On Assets of 0.04%. This is amonst the worse of the industry: AMTB underperforms 89.31% of its industry peers.
AMTB has a Return On Equity of 0.40%. This is amonst the worse of the industry: AMTB underperforms 89.31% of its industry peers.
Industry RankSector 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
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's Profit Margin of 1.02% is on the low side compared to the rest of the industry. AMTB is outperformed by 89.31% of its industry peers.
AMTB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
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

More info and screens

4

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.
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.
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

AMTB has a debt to FCF ratio of 0.61. This is a very positive value and a sign of high solvency as it would only need 0.61 years to pay back of all of its debts.
The Debt to FCF ratio of AMTB (0.61) is better than 81.17% 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 70.23% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 0.61
Altman-Z N/A
ROIC/WACCN/A
WACC16.85%
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

More info and screens

5

3. Growth

3.1 Past

AMTB shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.33%.
Measured over the past 5 years, AMTB shows a small growth in Earnings Per Share. The EPS has been growing by 2.18% on average per year.
Looking at the last year, AMTB shows a decrease in Revenue. The Revenue has decreased by -8.32% 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)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

Based on estimates for the next years, AMTB will show a very strong growth in Earnings Per Share. The EPS will grow by 30.60% on average per year.
The Revenue is expected to grow by 11.25% on average over the next years. This is quite good.
EPS Next Y38.3%
EPS Next 2Y30.6%
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

More info and screens

6

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 13.61, which indicates a correct valuation of AMTB.
AMTB's Price/Earnings is on the same level as the industry average.
AMTB's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.08.
With a Price/Forward Earnings ratio of 9.20, the valuation of AMTB can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of AMTB indicates a somewhat cheap valuation: AMTB is cheaper than 71.25% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.72, AMTB is valued rather cheaply.
Industry RankSector Rank
PE 13.61
Fwd PE 9.2
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of AMTB indicates a rather cheap valuation: AMTB is cheaper than 90.08% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 5.84
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.
A more expensive valuation may be justified as AMTB's earnings are expected to grow with 30.60% in the coming years.
PEG (NY)0.36
PEG (5Y)6.24
EPS Next 2Y30.6%
EPS Next 3YN/A

More info and screens

1

5. Dividend

5.1 Amount

AMTB has a Yearly Dividend Yield of 1.80%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.30, AMTB is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 2.34, AMTB is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.8%

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
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

392.60% of the earnings are spent on dividend by AMTB. This is not a sustainable payout ratio.
DP392.6%
EPS Next 2Y30.6%
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
AMTB Dividend Payout.AMTB Dividend Payout, showing the Payout Ratio.AMTB Dividend Payout.PayoutRetained Earnings

More info and screens

AMERANT BANCORP INC

NYSE:AMTB (8/29/2025, 4:15:00 PM)

After market: 21.5 0 (0%)

21.5

0 (0%)

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 Owners67.02%
Inst Owner Change-1.15%
Ins Owners1.17%
Ins Owner Change2.9%
Market Cap897.63M
Analysts78.18
Price Target23.72 (10.33%)
Short Float %2.79%
Short Ratio4.56
Dividend
Industry RankSector Rank
Dividend Yield 1.8%
Yearly Dividend0.34
Dividend Growth(5Y)N/A
DP392.6%
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)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)5.68%
PT rev (3m)5.68%
EPS NQ rev (1m)-1.31%
EPS NQ rev (3m)-5.66%
EPS NY rev (1m)12.66%
EPS NY rev (3m)12.66%
Revenue NQ rev (1m)3.44%
Revenue NQ rev (3m)0.17%
Revenue NY rev (1m)3.2%
Revenue NY rev (3m)3.2%
Valuation
Industry RankSector Rank
PE 13.61
Fwd PE 9.2
P/S 2.49
P/FCF 5.84
P/OCF 5.63
P/B 0.97
P/tB 0.99
EV/EBITDA N/A
EPS(TTM)1.58
EY7.35%
EPS(NY)2.34
Fwd EY10.87%
FCF(TTM)3.68
FCFY17.11%
OCF(TTM)3.82
OCFY17.77%
SpS8.63
BVpS22.14
TBVpS21.68
PEG (NY)0.36
PEG (5Y)6.24
Profitability
Industry RankSector 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
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-Score5
Asset Turnover0.03
Health
Industry RankSector 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
WACC16.85%
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 Y38.3%
EPS Next 2Y30.6%
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 1Y809.42%
FCF growth 3Y7.12%
FCF growth 5Y3.12%
OCF growth 1Y2031.56%
OCF growth 3Y6.82%
OCF growth 5Y0.95%