AMERANT BANCORP INC (AMTB)
US0235761014 - Common Stock
Taking everything into account, AMTB scores 3 out of 10 in our fundamental rating. AMTB was compared to 412 industry peers in the Banks industry. AMTB has a bad profitability rating. Also its financial health evaluation is rather negative. AMTB is quite expensive at the moment. It does show a decent growth rate.
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.
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.
1.2 Ratios
AMTB's Return On Assets of 0.33% is on the low side compared to the rest of the industry. AMTB is outperformed by 85.68% of its industry peers.
The Return On Equity of AMTB (4.41%) is worse than 82.04% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.33% | ||
| ROE | 4.41% | ||
| ROIC | N/A |
ROA(3y)0.84%
ROA(5y)0.63%
ROE(3y)8.96%
ROE(5y)6.56%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
AMTB has a Profit Margin of 7.85%. This is amonst the worse of the industry: AMTB underperforms 89.08% of its industry peers.
AMTB's Profit Margin has declined in the last couple of years.
AMTB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 7.85% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5Y-14.1%
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.
AMTB has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, AMTB has less shares outstanding
Compared to 1 year ago, AMTB has an improved debt to assets ratio.
2.2 Solvency
AMTB has a debt to FCF ratio of 9.70. This is a negative value and a sign of low solvency as AMTB would need 9.70 years to pay back of all of its debts.
AMTB has a worse Debt to FCF ratio (9.70) than 78.16% of its industry peers.
AMTB has a Debt/Equity ratio of 0.21. This is a healthy value indicating a solid balance between debt and equity.
AMTB has a Debt to Equity ratio (0.21) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.21 | ||
| Debt/FCF | 9.7 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.35%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for AMTB have decreased by -7.03% in the last year.
Measured over the past years, AMTB shows a decrease in Earnings Per Share. The EPS has been decreasing by -2.23% on average per year.
Looking at the last year, AMTB shows a very strong growth in Revenue. The Revenue has grown by 23.96%.
AMTB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.69% yearly.
EPS 1Y (TTM)-7.03%
EPS 3YN/A
EPS 5Y-2.23%
EPS growth Q2Q-56.36%
Revenue 1Y (TTM)23.96%
Revenue growth 3Y16.31%
Revenue growth 5Y8.69%
Revenue growth Q2Q-4.98%
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 23.84% on average per year.
Based on estimates for the next years, AMTB will show a small growth in Revenue. The Revenue will grow by 4.53% on average per year.
EPS Next Y7.34%
EPS Next 2Y23.84%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-1.84%
Revenue Next 2Y4.53%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 13.15, which indicates a correct valuation of AMTB.
AMTB's Price/Earnings ratio is a bit more expensive when compared to the industry. AMTB is more expensive than 73.30% of the companies in the same industry.
When comparing the Price/Earnings ratio of AMTB to the average of the S&P500 Index (27.73), we can say AMTB is valued rather cheaply.
With a Price/Forward Earnings ratio of 12.25, AMTB is valued correctly.
61.16% of the companies in the same industry are cheaper than AMTB, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of AMTB to the average of the S&P500 Index (20.41), we can say AMTB is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.15 | ||
| Fwd PE | 12.25 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, AMTB is valued more expensive than 84.95% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 48.28 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
AMTB's earnings are expected to grow with 23.84% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.79
PEG (5Y)N/A
EPS Next 2Y23.84%
EPS Next 3YN/A
5. Dividend
5.1 Amount
AMTB has a Yearly Dividend Yield of 1.59%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.76, AMTB is paying slightly less dividend.
AMTB's Dividend Yield is slightly below the S&P500 average, which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.59% |
5.2 History
AMTB has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
AMTB pays out 37.14% of its income as dividend. This is a sustainable payout ratio.
DP37.14%
EPS Next 2Y23.84%
EPS Next 3YN/A
AMERANT BANCORP INC
NYSE:AMTB (5/3/2024, 7:04:00 PM)
After market: 22.61 0 (0%)22.61
-0.03 (-0.13%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap762.18M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.59% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
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EPS beat(8)
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EPS beat(16)
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Revenue beat(2)
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PT rev (1m)
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EPS NQ rev (3m)
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EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.15 | ||
| Fwd PE | 12.25 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)1.79
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.33% | ||
| ROE | 4.41% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 7.85% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.21 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-7.03%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y7.34%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)23.96%
Revenue growth 3Y16.31%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y