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AMTB vs CHI

AMTB
Amerant Bancorp Inc.
NEUTRAL
Price
$21.26
Market Cap
$900.3M
Sector
Financial Services
AI Confidence
65%
CHI
Calamos Convertible Opportunities and Income Fund
BULLISH
Price
$11.32
Market Cap
$901.4M
Sector
Financial Services
AI Confidence
50%

Valuation

P/E Ratio
AMTB
12.88
CHI
5.17
Forward P/E
AMTB
7.88
CHI
--
P/B Ratio
AMTB
0.93
CHI
1.02
P/S Ratio
AMTB
2.32
CHI
44.28
EV/EBITDA
AMTB
--
CHI
--

Profitability

Gross Margin
AMTB
0.0%
CHI
100.0%
Operating Margin
AMTB
23.08%
CHI
37.33%
Profit Margin
AMTB
17.14%
CHI
847.56%
ROE
AMTB
7.21%
CHI
20.99%
ROA
AMTB
0.64%
CHI
0.49%

Growth

Revenue Growth
AMTB
576.5%
CHI
-30.2%
Earnings Growth
AMTB
--
CHI
171.3%

Financial Health

Debt/Equity
AMTB
--
CHI
0.49
Current Ratio
AMTB
--
CHI
5.25
Quick Ratio
AMTB
--
CHI
0.93

Dividends

Dividend Yield
AMTB
1.62%
CHI
10.17%
Payout Ratio
AMTB
20.93%
CHI
52.05%

AI Verdict

AMTB NEUTRAL

AMTB exhibits mixed financial health with a Piotroski F-Score of 4/9, indicating stable but not strong fundamentals. The absence of an Altman Z-Score prevents a full distress risk assessment, though the Price/Book of 0.93 suggests the stock trades below tangible book value. Strong revenue growth of 576.5% YoY and a low forward P/E of 7.88 signal potential value, but weak ROA of 0.64% and inconsistent earnings surprises temper optimism. Analysts recommend a 'buy' with a $22.75 target, implying modest upside from current levels.

Strengths
Exceptional YoY revenue growth of 576.50%, significantly outpacing sector average of 40.30%
Low forward P/E of 7.88, well below sector average of 21.57, suggesting undervaluation
Price/Book ratio of 0.93 indicates shares trade below book value, a potential margin of safety
Risks
Piotroski F-Score of 4/9 indicates borderline financial health with notable weaknesses in profitability and leverage trends
Missing Altman Z-Score prevents proper bankruptcy risk assessment; absence is a red flag
ROA of 0.64% is extremely low, indicating poor asset efficiency for a bank
CHI BULLISH

CHI shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 7/9). Key strengths include strong valuation and growth metrics.

Strengths
Attractive valuation with P/E of 5.2
Undervalued vs Graham Number ($23.4)
Strong profitability (847.6% margin)
Risks
Declining revenue (-30.2%)

Compare Another Pair

AMTB vs CHI: Head-to-Head Comparison

This page compares Amerant Bancorp Inc. (AMTB) and Calamos Convertible Opportunities and Income Fund (CHI) 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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