AMERANT BANCORP INC (AMTB) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:AMTB - US0235761014 - Common Stock
20.03 USD
-0.03 (-0.15%)
20.03 USD
0 (0%)
Taking everything into account, AMTB scores 4 out of 10 in our fundamental rating. AMTB was compared to 388 industry peers in the Banks industry. AMTB may be in some trouble as it scores bad on both profitability and health. AMTB is evaluated to be cheap and growing strongly. This does not happen too often!
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.
In multiple years AMTB reported negative net income over the last 5 years.
Of the past 5 years AMTB 4 years had a positive operating cash flow.
1.2 Ratios
AMTB has a worse Return On Assets (0.64%) than 69.59% of its industry peers.
With a Return On Equity value of 7.05%, AMTB is not doing good in the industry: 66.24% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.64% | ||
| ROE | 7.05% | ||
| 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
1.3 Margins
Looking at the Profit Margin, with a value of 15.19%, AMTB is doing worse than 77.06% of the companies in the same industry.
The Operating Margin and Gross Margin are not available for AMTB so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 15.19% | ||
| 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
2. Health
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 more shares outstanding
Compared to 5 years ago, AMTB has less shares outstanding
The debt/assets ratio for AMTB has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of AMTB is 0.54, which is an excellent value as it means it would take AMTB, only 0.54 years of fcf income to pay off all of its debts.
AMTB has a better Debt to FCF ratio (0.54) than 78.87% of its industry peers.
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 68.30% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.54 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC17.13%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
AMTB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 53.15%, which is quite impressive.
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 very strong growth in Revenue. The Revenue has grown by 34.56%.
The Revenue has been growing slightly by 4.45% on average over the past years.
EPS 1Y (TTM)53.15%
EPS 3Y-7.84%
EPS 5Y2.18%
EPS Q2Q%44.44%
Revenue 1Y (TTM)34.56%
Revenue growth 3Y1.03%
Revenue growth 5Y4.45%
Sales Q2Q%9.47%
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 25.38% on average per year.
The Revenue is expected to grow by 8.41% on average over the next years. This is quite good.
EPS Next Y23.09%
EPS Next 2Y27.34%
EPS Next 3Y25.38%
EPS Next 5YN/A
Revenue Next Year15.1%
Revenue Next 2Y8.41%
Revenue Next 3Y8.41%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 11.78, the valuation of AMTB can be described as reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of AMTB is on the same level as its industry peers.
AMTB is valuated cheaply when we compare the Price/Earnings ratio to 26.84, which is the current average of the S&P500 Index.
AMTB is valuated reasonably with a Price/Forward Earnings ratio of 9.02.
75.77% of the companies in the same industry are more expensive than AMTB, based on the Price/Forward Earnings ratio.
AMTB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.78 | ||
| Fwd PE | 9.02 |
4.2 Price Multiples
92.27% of the companies in the same industry are more expensive than AMTB, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.73 | ||
| EV/EBITDA | N/A |
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 25.38% in the coming years.
PEG (NY)0.51
PEG (5Y)5.41
EPS Next 2Y27.34%
EPS Next 3Y25.38%
5. Dividend
5.1 Amount
AMTB has a Yearly Dividend Yield of 1.78%.
AMTB's Dividend Yield is slightly below the industry average, which is at 2.74.
Compared to an average S&P500 Dividend Yield of 2.00, AMTB has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.78% |
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
5.3 Sustainability
22.80% of the earnings are spent on dividend by AMTB. This is a low number and sustainable payout ratio.
DP22.8%
EPS Next 2Y27.34%
EPS Next 3Y25.38%
20.03
-0.03 (-0.15%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners63.34%
Inst Owner Change7.86%
Ins Owners0.74%
Ins Owner Change0.13%
Market Cap826.64M
Revenue(TTM)438.45M
Net Income(TTM)66.60M
Analysts82
Price Target21.68 (8.24%)
Short Float %2.84%
Short Ratio3.32
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.78% |
Yearly Dividend0.34
Dividend Growth(5Y)N/A
DP22.8%
Div Incr Years0
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)7.42%
Min EPS beat(2)-27.86%
Max EPS beat(2)42.7%
EPS beat(4)2
Avg EPS beat(4)7.59%
Min EPS beat(4)-40.58%
Max EPS beat(4)56.11%
EPS beat(8)3
Avg EPS beat(8)-2.8%
EPS beat(12)5
Avg EPS beat(12)-3.42%
EPS beat(16)8
Avg EPS beat(16)-2.63%
Revenue beat(2)1
Avg Revenue beat(2)1.85%
Min Revenue beat(2)-0.86%
Max Revenue beat(2)4.57%
Revenue beat(4)3
Avg Revenue beat(4)3.41%
Min Revenue beat(4)-0.86%
Max Revenue beat(4)8.43%
Revenue beat(8)6
Avg Revenue beat(8)3.29%
Revenue beat(12)10
Avg Revenue beat(12)4.74%
Revenue beat(16)12
Avg Revenue beat(16)9.22%
PT rev (1m)0%
PT rev (3m)-8.6%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-10.11%
EPS NY rev (1m)0%
EPS NY rev (3m)-10.99%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.83%
Revenue NY rev (1m)-0.34%
Revenue NY rev (3m)-0.73%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.78 | ||
| Fwd PE | 9.02 | ||
| P/S | 1.89 | ||
| P/FCF | 4.73 | ||
| P/OCF | 4.64 | ||
| P/B | 0.87 | ||
| P/tB | 0.89 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.7
EY8.49%
EPS(NY)2.22
Fwd EY11.09%
FCF(TTM)4.23
FCFY21.14%
OCF(TTM)4.31
OCFY21.54%
SpS10.62
BVpS22.9
TBVpS22.43
PEG (NY)0.51
PEG (5Y)5.41
Graham Number29.59
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.64% | ||
| ROE | 7.05% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 15.19% | ||
| GM | N/A | ||
| FCFM | 39.85% |
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
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 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.54 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 52.3% | ||
| Cap/Sales | 0.76% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 262.34% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC17.13%
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)53.15%
EPS 3Y-7.84%
EPS 5Y2.18%
EPS Q2Q%44.44%
EPS Next Y23.09%
EPS Next 2Y27.34%
EPS Next 3Y25.38%
EPS Next 5YN/A
Revenue 1Y (TTM)34.56%
Revenue growth 3Y1.03%
Revenue growth 5Y4.45%
Sales Q2Q%9.47%
Revenue Next Year15.1%
Revenue Next 2Y8.41%
Revenue Next 3Y8.41%
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 1Y1238.79%
FCF growth 3Y7.12%
FCF growth 5Y3.12%
OCF growth 1Y642.75%
OCF growth 3Y6.82%
OCF growth 5Y0.95%
AMERANT BANCORP INC / AMTB FAQ
What is the fundamental rating for AMTB stock?
ChartMill assigns a fundamental rating of 4 / 10 to AMTB.
Can you provide the valuation status for AMERANT BANCORP INC?
ChartMill assigns a valuation rating of 7 / 10 to AMERANT BANCORP INC (AMTB). This can be considered as Undervalued.
Can you provide the profitability details for AMERANT BANCORP INC?
AMERANT BANCORP INC (AMTB) has a profitability rating of 1 / 10.
What is the earnings growth outlook for AMERANT BANCORP INC?
The Earnings per Share (EPS) of AMERANT BANCORP INC (AMTB) is expected to grow by 23.09% in the next year.
Can you provide the dividend sustainability for AMTB stock?
The dividend rating of AMERANT BANCORP INC (AMTB) is 3 / 10 and the dividend payout ratio is 22.8%.