AMERANT BANCORP INC (AMTB) Fundamental Analysis & Valuation

NYSE:AMTB • US0235761014

Current stock price

20.71 USD
-0.07 (-0.34%)
At close:
20.71 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.
  • AMTB had a positive operating cash flow in the past year.
  • AMTB had positive earnings in 4 of the past 5 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M -50M 100M

1.2 Ratios

  • The Return On Assets of AMTB (0.54%) is worse than 79.27% of its industry peers.
  • AMTB has a worse Return On Equity (5.58%) than 77.43% 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

  • AMTB has a Profit Margin of 11.93%. This is amonst the worse of the industry: AMTB underperforms 83.99% of its industry peers.
  • In the last couple of years the Profit Margin of AMTB has declined.
  • 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.
  • AMTB has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for AMTB has been increased 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 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

  • AMTB has a debt to FCF ratio of 0.73. This is a very positive value and a sign of high solvency as it would only need 0.73 years to pay back of all of its debts.
  • The Debt to FCF ratio of AMTB (0.73) is better than 74.54% of its industry peers.
  • A Debt/Equity ratio of 0.10 indicates that AMTB is not too dependend on debt financing.
  • AMTB has a Debt to Equity ratio of 0.10. This is in the better half of the industry: AMTB outperforms 67.72% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 0.73
Altman-Z N/A
ROIC/WACCN/A
WACC17.14%
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.
  • AMTB shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -2.21% yearly.
  • The Revenue has grown by 30.80% in the past year. This is a very strong growth!
  • AMTB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.80% yearly.
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

  • The Earnings Per Share is expected to grow by 25.28% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 2.27% on average over the next years.
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

  • 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.
  • 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

  • The Price/Earnings ratio is 11.97, which indicates a very decent valuation of AMTB.
  • The rest of the industry has a similar Price/Earnings ratio as AMTB.
  • The average S&P500 Price/Earnings ratio is at 25.23. AMTB is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 9.67, the valuation of AMTB can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of AMTB is on the same level as its industry peers.
  • When comparing the Price/Forward Earnings ratio of AMTB to the average of the S&P500 Index (22.42), we can say AMTB is valued rather cheaply.
Industry RankSector Rank
PE 11.97
Fwd PE 9.67
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 86.88% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 6.45
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.
  • A more expensive valuation may be justified as AMTB's earnings are expected to grow with 25.28% in the coming years.
PEG (NY)0.5
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 1.73%.
  • AMTB's Dividend Yield is slightly below the industry average, which is at 2.78.
  • Compared to an average S&P500 Dividend Yield of 1.89, AMTB has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.73%

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 2026 0.2 0.4 0.6

5.3 Sustainability

  • 28.80% of the earnings are spent on dividend by AMTB. This is a low number and 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 (3/20/2026, 8:04:00 PM)

After market: 20.71 0 (0%)

20.71

-0.07 (-0.34%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-21
Inst Owners63.32%
Inst Owner Change-0.4%
Ins Owners0.84%
Ins Owner Change2.54%
Market Cap833.16M
Revenue(TTM)439.30M
Net Income(TTM)52.42M
Analysts82
Price Target24.99 (20.67%)
Short Float %2.65%
Short Ratio3.15
Dividend
Industry RankSector Rank
Dividend Yield 1.73%
Yearly Dividend0.37
Dividend Growth(5Y)N/A
DP28.8%
Div Incr Years0
Div Non Decr Years1
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)2.68%
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 11.97
Fwd PE 9.67
P/S 1.9
P/FCF 6.45
P/OCF 6.08
P/B 0.89
P/tB 0.91
EV/EBITDA N/A
EPS(TTM)1.73
EY8.35%
EPS(NY)2.14
Fwd EY10.34%
FCF(TTM)3.21
FCFY15.51%
OCF(TTM)3.4
OCFY16.44%
SpS10.92
BVpS23.34
TBVpS22.86
PEG (NY)0.5
PEG (5Y)N/A
Graham Number30.14
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
WACC17.14%
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.


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 11.97 and the Price/Book (PB) ratio is 0.89.


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

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