AMTB

NEUTRAL

$22.82 Live

Amerant Bancorp Inc. · NYSE

Target $25.25 (+10.6%)

$15.62 52W Range $24.38

AMTB Amerant Bancorp Inc. - Fundamental Analysis

NEUTRAL

Console Chart News

AMTB Stock | Fundamental Analysis & Investment Insights

NYSE • Financial Services • Banks - Regional

Current Price Live

$22.82

Analyst Target

$25.25

+10.6% Upside

52W High

$24.38

52W Low

$15.62

Overview AI Snowflake Price Valuation Profitability Growth Health Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 26, 2026

Market cap

$958.36M

P/E

16.07

ROE

6.4%

Profit margin

14.6%

Debt/Equity

N/A

Dividend yield

1.58%

AI Analysis

AI-powered fundamental assessment

Confidence

85%

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.

Key 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

Conservative dividend payout ratio (25.35%)

Positive analyst consensus with a target price of $25.25

Key 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%)

Stagnant organic revenue growth (3.30% YoY)

High volatility in quarterly earnings surprises

AI Fair Value Estimate

Based on comprehensive analysis

$27.18

+19.1% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Moderate

Value

Future

Past

Health

Dividend

AI Verdict

Value Trap Risk

Key drivers: Low Piotroski Score, Deep Value Valuation, Bearish Technicals, Strong EPS Growth

Confidence

90%

Value

85/100

Ref P/E 16.07, Graham Number $27.18, P/B 0.99

Positives

Price < Graham Number
Price < Intrinsic Value
P/B < 1.0

Watchpoints

P/E is moderate at 16.07

Future

60/100

Ref Growth rates and Forward P/E

Positives

High YoY Earnings Growth (57.10%)
Forward P/E (9.83) is lower than current P/E

Watchpoints

Weak Revenue Growth (3.30%)
Recent Q/Q EPS decline (-17.0%)

Past

70/100

Ref Historical price performance

Positives

Strong 1Y price change (+37.3%)
Consistent long-term growth (5Y +35.7%)

Watchpoints

Inconsistent quarterly earnings beats

Health

20/100

Ref Piotroski F-Score

Positives

No Altman Z-Score distress indicated

Watchpoints

Piotroski F-Score 2/9 is critically weak

Dividend

50/100

Ref Yield and Payout

Positives

Sustainable payout ratio (25.35%)

Watchpoints

Low dividend yield (1.58%)

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$22.82

Analyst Target

$25.25

Upside/Downside

+10.6%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for AMTB and closest competitors.

Updated 2026-04-24

Company	5Y	3Y	1Y	6M	1M	1W
AMTB Amerant Bancorp Inc. Primary	+35.7%	+32.5%	+37.3%	+31.1%	+5.5%	-4.2%
BBDC Barings BDC, Inc. Peer	+71.2%	+50.1%	+5.0%	+1.6%	+3.4%	-0.8%
ABTC American Bitcoin Corp Peer	-100.0%	-98.8%	+7.2%	-86.8%	-9.6%	-4.6%
BHRB Burke & Herbert Financial Services Corp. Peer	+55.6%	-8.1%	+30.8%	+7.6%	+4.5%	-0.9%
BCX Blackrock Resources & Commodities Strategy Trust Peer	+111.1%	+48.6%	+46.8%	+32.6%	+13.7%	+5.3%

AMT

Amerant Bancorp Inc.

Primary

+35.7%

+32.5%

+37.3%

+31.1%

+5.5%

-4.2%

BBD

Barings BDC, Inc.

Peer

+71.2%

+50.1%

+5.0%

+1.6%

+3.4%

-0.8%

ABT

American Bitcoin Corp

Peer

-100.0%

-98.8%

+7.2%

-86.8%

-9.6%

-4.6%

BHR

Burke & Herbert Financial Services Corp.

Peer

+55.6%

-8.1%

+30.8%

+7.6%

+4.5%

-0.9%

BCX

Blackrock Resources & Commodities Strategy Trust

Peer

+111.1%

+48.6%

+46.8%

+32.6%

+13.7%

+5.3%

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

16.07

9.83

N/A

0.99

2.4

4.19

N/A

$958.36M

Profitability

Profit margins and return metrics

Profit Margin 14.6%

Operating Margin 30.47%

Gross Margin N/A

ROE 6.41%

ROA 0.58%

Growth

Revenue and earnings growth rates

Revenue Growth +3.3%

Earnings Growth +57.1%

Q/Q Revenue Growth +13.96%

Q/Q Earnings Growth +49.5%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Cash/Share

$4.68

Quarterly Earnings History

EPS performance vs analyst estimates

2026-07-22

$N/A

2026-04-23

$0.44

+1.1% surprise

2026-01-22

$0.53

+49.3% surprise

2025-10-28

$0.39

-26.4% surprise

Financial Services Sector Comparison

Comparing AMTB against 820 companies in the Financial Services sector (141 bullish, 351 neutral, 328 bearish)

P/E Ratio

16.07

This Stock

36.01

Sector Avg

-55.4% (Discount)

Return on Equity (ROE)

6.41%

This Stock

-0.73%

Sector Avg

-974.6% (Below Avg)

Profit Margin

14.6%

This Stock

91.62%

Sector Avg

-84.1% (Weaker)

Revenue Growth

3.3%

This Stock

35.27%

Sector Avg

-90.6% (Slower)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
AMTB Amerant Bancorp Inc.	NEUTRAL	$958.36M	16.07	6.4%	14.6%	$22.82
BBDC Barings BDC, Inc.	BEARISH	$962.2M	9.63	8.6%	36.0%	$9.15	Compare
ABTC American Bitcoin Corp	BEARISH	$964.71M	-	-19.3%	-82.7%	$1.04	Compare
BHRB Burke & Herbert Financial...	NEUTRAL	$970.01M	8.35	14.8%	34.7%	$64.5	Compare
BCX Blackrock Resources &...	BEARISH	$972.72M	23.04	-%	-%	$12.44	Compare

AMTB Amerant Bancorp Inc.

NEUTRAL

Mkt Cap

$958M

P/E

16.1

ROE

6.4%

Price

$22.82

BBDC Barings BDC, Inc.

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ABTC American Bitcoin Corp

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Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2026-03-03	NURSEY MICHAEL E.	Officer	Stock Award	800	-
2026-02-18	CAPRILES ALBERTO	Officer	Stock Award	1,964	-
2026-02-18	IAFIGLIOLA CARLOS	Officer	Stock Award	2,307	-
2026-02-18	FLEITAS ARMANDO	Officer	Stock Award	833	-
2026-02-18	SANCHEZ MARIOLA TRIANA	Officer	Stock Award	1,740	-
2026-02-18	CALDERON SHARYMAR	Chief Financial Officer	Stock Award	2,490	-
2026-02-18	PARRA PEDRO	Officer	Stock Award	666	-
2026-02-18	NURSEY MICHAEL E.	Officer	Stock Award	666	-
2026-02-18	EELMAN ANTHONY J	Officer	Stock Award	333	-
2026-02-18	RODRIGUEZ ADRIAN J.	Officer	Stock Award	833	-
2026-02-17	CAPRILES ALBERTO	Officer	Stock Award	3,656	-
2026-02-17	IAFIGLIOLA CARLOS	Chief Executive Officer	Stock Award	3,942	-
2026-02-17	FLEITAS ARMANDO	Officer	Stock Award	1,667	-
2026-02-17	SANCHEZ MARIOLA TRIANA	Officer	Stock Award	2,928	-
2026-02-17	CALDERON SHARYMAR	Chief Financial Officer	Stock Award	3,057	-

NURSEY MICHAEL E.

Officer

Stock Award

2026-03-03

800 shares

CAPRILES ALBERTO

Officer

Stock Award

2026-02-18

1,964 shares

IAFIGLIOLA CARLOS

Officer

Stock Award

2026-02-18

2,307 shares

FLEITAS ARMANDO

Officer

Stock Award

2026-02-18

833 shares

SANCHEZ MARIOLA TRIANA

Officer

Stock Award

2026-02-18

1,740 shares

CALDERON SHARYMAR

Chief Financial Officer

Stock Award

2026-02-18

2,490 shares

PARRA PEDRO

Officer

Stock Award

2026-02-18

666 shares

NURSEY MICHAEL E.

Officer

Stock Award

2026-02-18

666 shares

EELMAN ANTHONY J

Officer

Stock Award

2026-02-18

333 shares

RODRIGUEZ ADRIAN J.

Officer

Stock Award

2026-02-18

833 shares

CAPRILES ALBERTO

Officer

Stock Award

2026-02-17

3,656 shares

IAFIGLIOLA CARLOS

Chief Executive Officer

Stock Award

2026-02-17

3,942 shares

FLEITAS ARMANDO

Officer

Stock Award

2026-02-17

1,667 shares

SANCHEZ MARIOLA TRIANA

Officer

Stock Award

2026-02-17

2,928 shares

CALDERON SHARYMAR

Chief Financial Officer

Stock Award

2026-02-17

3,057 shares

Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K

2026-04-23

AMTB filed an 8-K on April 23, 2026, likely to announce its first-quarter financial results.

DEF 14A

2026-04-21

AMTB filed a Definitive Proxy Statement on April 21, 2026, providing shareholders with necessary information to vote on matters at the company's upcoming annual meeting.

8-K

2026-04-10

AMTB filed an 8-K on April 10, 2026, likely to announce its first-quarter financial results.

10-K

2026-02-27

AMTB filed its annual 10-K on February 27, 2026, which includes disclosures on its business operations, risk factors, and management's discussion and analysis. Specific financial highlights and risk details were not provided in the available excerpts.

8-K

2026-02-11

AMTB filed an 8-K on February 11, 2026, likely to announce its quarterly or annual financial results.

8-K

2026-01-22

AMTB filed an 8-K on January 22, 2026, likely to announce its fourth quarter and full-year financial results.

8-K

2026-01-07

8-K

2025-12-31

AMTB filed an 8-K on December 31, 2025, likely reporting year-end financial results or corporate governance updates.

8-K/A

2025-12-01

AMTB filed an amendment to a previously submitted Current Report on Form 8-K.

8-K/A

2025-11-17

AMTB filed an amendment to a previously submitted Form 8-K on November 17, 2025.

8-K

2025-11-10

AMTB filed an 8-K, likely reporting its third-quarter financial results.

8-K

2025-11-06

AMTB filed an 8-K on November 6, 2025, likely to announce its third-quarter financial results.

10-Q

2025-10-31

Amerant (AMTB) is pursuing an aggressive growth strategy through the expansion of its Florida banking network, opening new centers in West Palm Beach, Miami Beach, and Tampa, with a St Petersburg location planned for 2026. The company is strengthening its commercial banking capabilities by hiring new leadership in C&I and loan syndications to drive loan growth. Specific financial metrics and risk factors were not detailed in the provided excerpts.

8-K

2025-10-28

AMTB filed an 8-K on October 28, 2025, likely to announce its third-quarter financial results.

8-K

2025-10-22

AMTB filed an 8-K on October 22, 2025, likely to announce its third-quarter financial results.

Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus

BUY

4 analysts

Keefe, Bruyette & Woods

2026-01-28

Maintains

Market Perform Market Perform

Piper Sandler

2026-01-26

Maintains

Overweight Overweight

Raymond James

2026-01-07

Maintains

Outperform Outperform

Keefe, Bruyette & Woods

2025-11-03

Maintains

Market Perform Market Perform

Raymond James

2025-10-29

Market Perform Outperform

Piper Sandler

2025-10-29

Maintains

Overweight Overweight

Past News Coverage

Recent headlines mentioning AMTB from our newsroom.

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AMTB

AMTB Amerant Bancorp Inc. - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Recent Insider Trading

SEC Filings

Wall Street Analysts

Past News Coverage

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