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AMTB vs BBDC

AMTB
Amerant Bancorp Inc.
NEUTRAL
Price
$22.82
Market Cap
$958.4M
Sector
Financial Services
AI Confidence
85%
BBDC
Barings BDC, Inc.
BEARISH
Price
$9.15
Market Cap
$962.2M
Sector
Financial Services
AI Confidence
78%

Valuation

P/E Ratio
AMTB
16.07
BBDC
9.63
Forward P/E
AMTB
9.83
BBDC
9.38
P/B Ratio
AMTB
0.99
BBDC
0.82
P/S Ratio
AMTB
2.4
BBDC
3.41
EV/EBITDA
AMTB
--
BBDC
--

Profitability

Gross Margin
AMTB
0.0%
BBDC
100.0%
Operating Margin
AMTB
30.47%
BBDC
77.98%
Profit Margin
AMTB
14.6%
BBDC
36.02%
ROE
AMTB
6.41%
BBDC
8.6%
ROA
AMTB
0.58%
BBDC
4.81%

Growth

Revenue Growth
AMTB
3.3%
BBDC
2.2%
Earnings Growth
AMTB
57.1%
BBDC
7.5%

Financial Health

Debt/Equity
AMTB
--
BBDC
1.39
Current Ratio
AMTB
--
BBDC
1.57
Quick Ratio
AMTB
--
BBDC
1.16

Dividends

Dividend Yield
AMTB
1.58%
BBDC
11.27%
Payout Ratio
AMTB
25.35%
BBDC
108.33%

AI Verdict

AMTB NEUTRAL

AMTB presents a stark contrast between attractive valuation and deteriorating fundamental health. While the stock trades below its Graham Number ($27.18) and Intrinsic Value ($41.89), the Piotroski F-Score of 2/9 indicates significant weakness in financial health. Strong year-over-year earnings growth (57.10%) is offset by sluggish revenue growth (3.30%) and a highly bearish technical trend (10/100). The company is essentially trading at book value (P/B 0.99), making it a value play with high fundamental risk.

Strengths
Trading below Graham Number ($27.18) and Intrinsic Value ($41.89)
Strong YoY Earnings Growth of 57.10%
Low Price-to-Book ratio (0.99) suggesting fair asset pricing
Risks
Critical Piotroski F-Score of 2/9 indicating weak financial health
Very bearish technical trend (10/100)
Low Return on Equity (6.41%) and Return on Assets (0.58%)
BBDC BEARISH

The Advanced Deterministic Scorecard reveals significant concerns, with a Piotroski F-Score of just 2/9 indicating weak financial health. Despite a high dividend yield of 11.27%, the unsustainable 108.33% payout ratio and bearish insider activity raise red flags. While profitability metrics like operating margin and ROE are strong relative to peers, elevated debt (D/E of 1.39) and deteriorating earnings momentum in recent quarters undermine confidence. The stock trades below intrinsic value estimates ($17.34) and slightly above the Graham Number ($15.40), but structural risks outweigh valuation appeal.

Strengths
High operating margin (77.98%) suggests strong cost control and pricing power
Attractive dividend yield of 11.27% offers income appeal in a low-growth environment
Price/Book of 0.82 indicates the stock trades below book value, signaling potential undervaluation
Risks
Piotroski F-Score of 2/9 signals severe financial distress and poor fundamental health
Dividend payout ratio of 108.33% is unsustainable and likely to lead to a cut or suspension
Debt/Equity ratio of 1.39 is high, increasing vulnerability to rising interest rates or credit tightening

Compare Another Pair

AMTB vs BBDC: Head-to-Head Comparison

This page compares Amerant Bancorp Inc. (AMTB) and Barings BDC, Inc. (BBDC) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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