AMTB Amerant Bancorp Inc. - Fundamental Analysis
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AMTB Stock | Fundamental Analysis & Investment Insights
NYSE
Financial Services
Banks - Regional
Current Price
Live
$21.26
Analyst Target
$22.75
+7.0%
Upside
52W High
$24.3
52W Low
$15.62
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 24, 2026
Market cap
$900.34M
P/E
12.88
ROE
7.2%
Profit margin
17.1%
Debt/Equity
N/A
Dividend yield
1.62%
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
65%
Analysis Accuracy
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.
Key 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
Profit margin of 17.14% is robust for a regional bank, though below sector average of 24.31%
Dividend payout ratio of 20.93% is sustainable with low distribution pressure
Key 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
Insider selling activity in the last 6 months signals lack of confidence from management
High volatility in quarterly earnings surprises, including multiple double-digit misses
AI Fair Value Estimate
Based on comprehensive analysis
$29.17
+37.2% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
58
Moderate
75
68
52
45
50
AI Verdict
Neutral with value appeal but structural concerns
Key drivers: Low valuation multiples, Exceptional revenue growth, Borderline Piotroski score, Missing financial health metrics, Bearish insider activity
Confidence
70%
Value
75/100
Ref P/E, PEG, Graham Number
Positives
- Forward P/E of 7.88 is deeply discounted
- Price/Book of 0.93 implies asset-backed support
- Graham Number of $29.17 suggests 37% upside
Watchpoints
- Intrinsic value formula yields only $11.55, conflicting with Graham
Future
68/100
Ref Growth rates
Positives
- 576.50% YoY revenue growth is exceptional
- Most recent Q/Q EPS growth of +35.9% shows momentum
Watchpoints
- Earnings growth YoY is only +6.0%, lagging revenue surge
- PEG Ratio unavailable due to inconsistent earnings
Past
52/100
Ref Historical trends
Positives
- History of large earnings surprises (e.g., +107.7%, +64.2%)
Watchpoints
- Frequent earnings misses (e.g., -45.5%, -41.0%)
- High volatility in EPS performance over 25 quarters
Health
45/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Piotroski F-Score of 4 indicates no immediate distress
Watchpoints
- Piotroski below 5 signals weak financial trajectory
- Altman Z-Score missing — critical data gap
- ROA of 0.64% is alarmingly low for a bank
Dividend
50/100
Ref Yield, Payout
Positives
- Payout ratio of 20.93% is sustainable
Watchpoints
- Dividend Strength score of 25/100 indicates weak yield and history
- Yield of 1.62% is below sector average
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$21.26
Analyst Target
$22.75
Upside/Downside
+7.0%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for AMTB and closest competitors.
Updated 2026-01-23
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
AMTB
Amerant Bancorp Inc.
Primary
|
+51.5% | -18.1% | -7.8% | +5.9% | +5.1% | +2.0% |
|
BFST
Business First Bancshares, Inc.
Peer
|
+45.4% | +39.4% | +9.6% | +8.6% | +1.6% | +0.6% |
|
AWF
AllianceBernstein Global High Income Fund
Peer
|
+32.4% | +32.7% | +5.2% | -0.2% | -1.0% | +0.7% |
|
BCSF
Bain Capital Specialty Finance, Inc.
Peer
|
+85.8% | +51.4% | -11.6% | -3.0% | +0.8% | -0.8% |
|
BOW
Bowhead Specialty Holdings Inc.
Peer
|
+6.2% | +6.2% | -19.5% | -23.2% | -11.8% | +5.0% |
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
12.88
Forward P/E
7.88
PEG Ratio
N/A
P/B Ratio
0.93
P/S Ratio
2.32
EV/Revenue
3.1
EV/EBITDA
N/A
Market Cap
$900.34M
Profitability
Profit margins and return metrics
Profit Margin
17.14%
Operating Margin
23.08%
Gross Margin
N/A
ROE
7.21%
ROA
0.64%
Growth
Revenue and earnings growth rates
Revenue Growth
+576.5%
Earnings Growth
N/A
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
N/A
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$19.03
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-22
$N/A
2026-01-22
$0.53
+49.3% surprise
2025-10-28
$0.39
-26.4% surprise
2025-07-23
$0.57
+44.7% surprise
Financial Services Sector Comparison
Comparing AMTB against 208 companies in the Financial Services sector
(5 bullish, 111 neutral, 92 bearish)
P/E Ratio
12.88
This Stock
vs
30.37
Sector Avg
-57.6%
(Discount)
Return on Equity (ROE)
7.21%
This Stock
vs
-7.62%
Sector Avg
-194.6%
(Below Avg)
Profit Margin
17.14%
This Stock
vs
82.75%
Sector Avg
-79.3%
(Weaker)
Revenue Growth
576.5%
This Stock
vs
28.35%
Sector Avg
+1933.7%
(Fast Growth)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
AMTB
Amerant Bancorp Inc.
|
NEUTRAL | $900.34M | 12.88 | 7.2% | 17.1% | $21.26 | |
|
BFST
Business First Bancshares, Inc.
|
NEUTRAL | $894.47M | 10.53 | 10.4% | 27.0% | $27.26 | |
|
AWF
AllianceBernstein Global...
|
NEUTRAL | $914.03M | 12.47 | 7.4% | 98.9% | $10.6 | |
|
BCSF
Bain Capital Specialty...
|
BEARISH | $884.81M | 9.47 | 8.2% | 33.5% | $13.64 | |
|
BOW
Bowhead Specialty Holdings Inc.
|
NEUTRAL | $879.28M | 16.0 | 13.2% | 10.1% | $25.28 |
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2025-12-19 | WILSON WILLIAM MILLAR | Director | Gift | 4,000 | - |
| 2025-11-18 | SMITH BRADEN | Officer | Stock Award | 2,000 | - |
| 2025-08-13 | ESTERRIPA JUAN | Officer | Sale | 1,000 | $20,275 |
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
4 analysts
Raymond James
2026-01-07
Outperform
Outperform
Keefe, Bruyette & Woods
2025-11-03
Market Perform
Market Perform
Raymond James
2025-10-29
Market Perform
Outperform
Piper Sandler
2025-10-29
Overweight
Overweight
Piper Sandler
2025-07-28
Overweight
Overweight
Keefe, Bruyette & Woods
2025-07-28
Market Perform
Market Perform
Past News Coverage
Recent headlines mentioning AMTB from our newsroom.
Newest → oldest
No matching news yet.