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AMERANT BANCORP INC (AMTB) Stock Fundamental Analysis

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

16.87  +0.03 (+0.18%)

Fundamental Rating

3

Overall AMTB gets a fundamental rating of 3 out of 10. We evaluated AMTB against 398 industry peers in the Banks industry. Both the profitability and financial health of AMTB have multiple concerns. AMTB scores decently on growth, while it is valued quite cheap. This could make an interesting combination.


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.
In multiple years AMTB reported negative net income over the last 5 years.
AMTB had a positive operating cash flow in 4 of the past 5 years.
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 (-0.16%) than 91.46% of its industry peers.
AMTB has a worse Return On Equity (-1.77%) than 92.46% of its industry peers.
Industry RankSector Rank
ROA -0.16%
ROE -1.77%
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

The Profit Margin and Operating Margin and Gross Margin are not available for AMTB so they could not be analyzed.
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.
The number of shares outstanding for AMTB has been increased compared to 1 year ago.
Compared to 5 years ago, AMTB has less shares outstanding
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 2.05, which is a good value as it means it would take AMTB, 2.05 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 2.05, AMTB is in line with its industry, outperforming 50.25% of the companies in the same industry.
AMTB has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of AMTB (0.11) is better than 69.60% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 2.05
Altman-Z N/A
ROIC/WACCN/A
WACC17.85%
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

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5

3. Growth

3.1 Past

AMTB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -10.42%.
AMTB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.18% yearly.
Looking at the last year, AMTB shows a very negative growth in Revenue. The Revenue has decreased by -13.81% in the last year.
Measured over the past years, AMTB shows a small growth in Revenue. The Revenue has been growing by 4.45% on average per year.
EPS 1Y (TTM)-10.42%
EPS 3Y-7.84%
EPS 5Y2.18%
EPS Q2Q%-25%
Revenue 1Y (TTM)-13.81%
Revenue growth 3Y1.03%
Revenue growth 5Y4.45%
Sales Q2Q%14.03%

3.2 Future

AMTB is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 38.17% yearly.
The Revenue is expected to grow by 13.02% on average over the next years. This is quite good.
EPS Next Y47.86%
EPS Next 2Y38.17%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year14.4%
Revenue Next 2Y13.02%
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 accelerating.
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 1 2

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7

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 13.08, which indicates a correct valuation of AMTB.
Compared to the rest of the industry, the Price/Earnings ratio of AMTB is on the same level as its industry peers.
AMTB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.88.
AMTB is valuated cheaply with a Price/Forward Earnings ratio of 6.45.
Based on the Price/Forward Earnings ratio, AMTB is valued cheaper than 91.96% of the companies in the same industry.
AMTB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.20.
Industry RankSector Rank
PE 13.08
Fwd PE 6.45
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

Based on the Price/Free Cash Flow ratio, AMTB is valued a bit cheaper than 65.58% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.46
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 38.17% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.27
PEG (5Y)6
EPS Next 2Y38.17%
EPS Next 3YN/A

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2

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.11%, AMTB has a reasonable but not impressive dividend return.
In the last 3 months the price of AMTB has falen by -27.41%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
Compared to an average industry Dividend Yield of 3.52, AMTB is paying slightly less dividend.
AMTB's Dividend Yield is comparable with the S&P500 average which is at 2.45.
Industry RankSector Rank
Dividend Yield 2.11%

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-81.38%
EPS Next 2Y38.17%
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 (5/1/2025, 12:59:57 PM)

16.87

+0.03 (+0.18%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-23 2025-04-23/amc
Earnings (Next)07-22 2025-07-22/amc
Inst Owners64.87%
Inst Owner Change1.22%
Ins Owners6.51%
Ins Owner Change2.79%
Market Cap707.19M
Analysts80
Price Target26.93 (59.63%)
Short Float %3.62%
Short Ratio6.39
Dividend
Industry RankSector Rank
Dividend Yield 2.11%
Yearly Dividend0.34
Dividend Growth(5Y)N/A
DP-81.38%
Div Incr Years0
Div Non Decr Years1
Ex-Date02-14 2025-02-14 (0.09)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)42.31%
Min EPS beat(2)28.5%
Max EPS beat(2)56.11%
EPS beat(4)2
Avg EPS beat(4)12.55%
Min EPS beat(4)-21.57%
Max EPS beat(4)56.11%
EPS beat(8)4
Avg EPS beat(8)0.53%
EPS beat(12)6
Avg EPS beat(12)-3.73%
EPS beat(16)10
Avg EPS beat(16)2.76%
Revenue beat(2)2
Avg Revenue beat(2)4.86%
Min Revenue beat(2)1.29%
Max Revenue beat(2)8.43%
Revenue beat(4)3
Avg Revenue beat(4)3.08%
Min Revenue beat(4)-0.8%
Max Revenue beat(4)8.43%
Revenue beat(8)7
Avg Revenue beat(8)4.49%
Revenue beat(12)9
Avg Revenue beat(12)3.73%
Revenue beat(16)12
Avg Revenue beat(16)9.1%
PT rev (1m)-4.35%
PT rev (3m)-3.65%
EPS NQ rev (1m)-1%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.5%
EPS NY rev (3m)-2.65%
Revenue NQ rev (1m)-0.08%
Revenue NQ rev (3m)1.14%
Revenue NY rev (1m)-0.12%
Revenue NY rev (3m)0.82%
Valuation
Industry RankSector Rank
PE 13.08
Fwd PE 6.45
P/S 2.11
P/FCF 9.46
P/OCF 8.6
P/B 0.79
P/tB 0.81
EV/EBITDA N/A
EPS(TTM)1.29
EY7.65%
EPS(NY)2.62
Fwd EY15.5%
FCF(TTM)1.78
FCFY10.58%
OCF(TTM)1.96
OCFY11.62%
SpS8.01
BVpS21.24
TBVpS20.78
PEG (NY)0.27
PEG (5Y)6
Profitability
Industry RankSector Rank
ROA -0.16%
ROE -1.77%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 22.27%
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 0.11
Debt/FCF 2.05
Debt/EBITDA N/A
Cap/Depr 112.14%
Cap/Sales 2.2%
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
WACC17.85%
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)-10.42%
EPS 3Y-7.84%
EPS 5Y2.18%
EPS Q2Q%-25%
EPS Next Y47.86%
EPS Next 2Y38.17%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-13.81%
Revenue growth 3Y1.03%
Revenue growth 5Y4.45%
Sales Q2Q%14.03%
Revenue Next Year14.4%
Revenue Next 2Y13.02%
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 1Y373.73%
FCF growth 3Y7.12%
FCF growth 5Y3.12%
OCF growth 1Y207.6%
OCF growth 3Y6.82%
OCF growth 5Y0.95%