A Business at a Glance
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Amerant Bancorp Inc.
AMTB
$1.2B
Mkt Cap
$28.50
+10.25%
Amerant Bancorp Inc. (AMTB) has a current P/E ratio of 22.6, compared to its historical median P/E of 14.7. The stock is currently considered Expensive based on its historical valuation range.
Amerant Bancorp Inc. (AMTB) has a 5-year average return on invested capital (ROIC) of 6.1%. This is below average and may indicate limited pricing power.
Amerant Bancorp Inc. (AMTB) has a market capitalization of $1.1B. It is classified as a small-cap stock.
Yes, Amerant Bancorp Inc. (AMTB) pays a dividend with a trailing twelve-month yield of 1.32%. The company also returns capital through share buybacks, with a buyback yield of 4.12%.
Based on historical P/E analysis, Amerant Bancorp Inc. (AMTB) appears expensive. The current P/E of 22.6 is 54% above its historical median of 14.7. The estimated fair value CAGR (P/E method) is 8.6%.
Amerant Bancorp Inc. (AMTB) operates in the National Commercial Banks industry, within the Financials sector.
Amerant Bancorp Inc. (AMTB) reported annual revenue of $676 million in its most recent fiscal year, based on SEC EDGAR filings.
Our Company We are a bank holding company headquartered in Coral Gables, FL, with $9.8 billion in assets, $6.6 billion in loans held for investment, $7.8 billion in deposits, $938.8 million of shareholders’ equity, and $3.3 billion in assets under management and custody (“AUM”) as of December 31, 2025. We provide individuals and businesses with a comprehensive array of deposit, credit, investment, wealth management, retail banking, mortgage services and fiduciary services. We serve customers in our United States markets and select international customers. These services are offered through our main subsidiary, Amerant Bank, N.A., or the Bank, which is also headquartered in Coral Gables, FL, as well as the Bank’s securities broker-dealer, Amerant Investments Inc., or Amerant Investments. Fiduciary, investment, wealth management and mortgage services are provided by the Bank and Amerant Investments. The Bank was founded in 1979.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 432M | 676M | 605M | 636M | 406M | 368M |
| Net Income | 58M | 52M | -16M | 32M | 63M | 113M |
| EPS | $1.41 | $1.26 | $-0.44 | $0.96 | $1.85 | $3.01 |
| Free Cash Flow | 121M | 129M | 75M | 16M | -60M | 61M |
| ROIC | 6.4% | 5.7% | -1.9% | 4.5% | 8.2% | 14.0% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.00 | 0.00 | 0.07 | 0.08 | 0.08 | 0.07 |
| Dividends/Share | $0.37 | $0.36 | $0.36 | $0.36 | $0.36 | $0.00 |
| Operating Income | 8.9M | 12M | 13M | 9.1M | 5.5M | 10.0M |
| Operating Margin | 2.1% | 1.8% | 2.1% | 1.4% | 1.4% | 2.7% |
| ROE | 6.4% | 5.7% | -1.9% | 4.5% | 8.2% | 14.0% |
| Shares Outstanding | 40M | 42M | 36M | 34M | 34M | 38M |
| Metric | |||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||
| Revenue | 301M | 345M | 363M | 370M | 334M | 368M | 406M | 636M | 605M | 676M | 432M |
| Gross Margin | 0.0% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 130M | 132M | 142M | 137M | 111M | 118M | 124M | 134M | 137M | 143M | 142M |
| EBIT | 6.2M | 19M | 6.6M | 7.6M | 3.6M | 10.0M | 5.5M | 9.1M | 13M | 12M | 8.9M |
| Op. Margin | 2.1% | 5.6% | 1.8% | 2.1% | 1.1% | 2.7% | 1.4% | 1.4% | 2.1% | 1.8% | 2.1% |
| Net Income | 24M | 43M | 46M | 51M | -1.7M | 113M | 63M | 32M | -16M | 52M | 58M |
| Net Margin | 7.8% | 12.5% | 12.6% | 13.9% | -0.5% | 30.6% | 15.6% | 5.1% | -2.6% | 7.8% | 13.5% |
| Non-Recurring | 2.0M | 11M | 0 | 2.8M | -1.7M | -71K | 3.0M | 5.3M | 13M | 0 | 0 |
| Returns on Capital | |||||||||||
| ROIC | 3.4% | 5.9% | 6.1% | 6.5% | -0.2% | 14.0% | 8.2% | 4.5% | -1.9% | 5.7% | 6.4% |
| ROE | 3.4% | 5.9% | 6.1% | 6.5% | -0.2% | 14.0% | 8.2% | 4.5% | -1.9% | 5.7% | 6.4% |
| ROA | N/A | 0.5% | 0.6% | 0.6% | -0.0% | 1.5% | 0.8% | 0.3% | -0.2% | 0.5% | 0.6% |
| Cash Flow | |||||||||||
| Op. Cash Flow | 75M | 73M | 62M | 78M | 57M | 67M | -49M | 27M | 82M | 137M | 128M |
| Free Cash Flow | 67M | 65M | 52M | 64M | 52M | 61M | -60M | 16M | 75M | 129M | 121M |
| Owner Earnings | 66M | 64M | 53M | 65M | 46M | 55M | -61M | 13M | 71M | 125M | 116M |
| CapEx | 8.5M | 8.6M | 10M | 14M | 5.6M | 6.6M | 11M | 11M | 7.4M | 7.7M | 6.3M |
| Maint. CapEx | 9.1M | 9.0M | 8.5M | 7.1M | 9.4M | 7.3M | 5.9M | 6.8M | 6.6M | 6.7M | 6.6M |
| Growth CapEx | 0 | 0 | 1.5M | 7.2M | 0 | 0 | 4.7M | 4.1M | 801K | 1.1M | 0 |
| D&A | 9.1M | 9.0M | 8.5M | 7.1M | 9.4M | 7.3M | 5.9M | 6.8M | 6.6M | 6.7M | 6.6M |
| CapEx/OCF | N/A | N/A | 16.2% | 18.2% | 9.7% | 9.8% | N/A | 40.9% | 9.0% | 5.7% | 4.9% |
| Capital Allocation | |||||||||||
| Dividends Paid | 0 | 0 | 40M | 0 | 0 | 0 | 12M | 12M | 13M | 15M | 15M |
| Dividend Yield | N/A | N/A | 5.8% | N/A | N/A | N/A | 1.3% | 1.8% | 1.7% | 1.9% | 1.3% |
| Share Buybacks | 0 | 0 | 18M | 0 | 0 | 36M | 72M | 4.9M | 7.6M | 33M | 47M |
| Buyback Yield | 0.0% | N/A | 3.5% | 3.3% | N/A | 3.0% | 8.4% | 0.6% | 1.0% | 4.0% | 4.1% |
| Stock-Based Comp | 0 | 0 | 166K | 6.4M | 2.3M | 4.8M | 5.8M | 6.8M | 5.0M | 5.0M | 4.8M |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||||
| Net Debt | N/A | -1.8B | -1.7B | -1.7B | -1.4B | -1.4B | -231M | -268M | -537M | -477M | -196M |
| Cash & Equiv. | 135M | 153M | 86M | 121M | 214M | 274M | 291M | 322M | 590M | 470M | 196M |
| Long-Term Debt | N/A | 12M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | N/A |
| Debt/Equity | 0.02 | 0.02 | 0.00 | 0.00 | 0.07 | 0.07 | 0.08 | 0.08 | 0.07 | 0.00 | 0.00 |
| Interest Coverage | 0.0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.3 |
| Equity | 705M | 753M | 747M | 835M | 783M | 832M | 706M | 736M | 890M | 939M | 914M |
| Total Assets | N/A | 8.4B | 8.1B | 8.0B | 7.8B | 7.6B | 9.1B | 9.7B | 9.9B | 9.8B | 9.9B |
| Total Liabilities | 17M | 7.7B | 7.4B | 7.2B | 7.0B | 6.8B | 8.4B | 9.0B | 9.0B | 8.8B | 9.0B |
| Intangibles | 0 | 19M | 19M | 20M | 20M | 20M | 20M | 19M | 19M | 19M | 19M |
| Retained Earnings | N/A | 388M | 394M | 444M | 442M | 553M | 590M | 611M | 582M | 620M | 634M |
| Working Capital | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||
| EPS | 0.55 | 1.01 | 1.08 | 1.20 | -0.04 | 3.01 | 1.85 | 0.96 | -0.44 | 1.26 | 1.41 |
| Owner EPS | 1.54 | 1.51 | 1.26 | 1.52 | 1.06 | 1.48 | -1.78 | 0.39 | 1.97 | 3.01 | 2.92 |
| Book Value | 16.44 | 17.67 | 17.61 | 19.51 | 18.20 | 22.17 | 20.62 | 21.75 | 24.87 | 22.57 | 22.96 |
| Cash Flow/Share | 1.76 | 1.72 | 1.46 | 1.83 | 1.33 | 1.80 | -1.44 | 0.79 | 2.30 | 3.29 | 1.63 |
| Dividends/Share | 0.00 | 0.00 | 0.94 | 0.00 | 0.00 | 0.00 | 0.36 | 0.36 | 0.36 | 0.36 | 0.37 |
| Shares Out. | 42.9M | 42.6M | 42.4M | 42.8M | 43.0M | 37.5M | 34.2M | 33.8M | 35.8M | 41.6M | 39.8M |
| Valuation | |||||||||||
| P/E Ratio | N/A | N/A | 11.2 | 16.9 | N/A | 10.8 | 13.5 | 25.4 | N/A | 15.9 | 20.1 |
| P/FCF | N/A | N/A | 9.9 | 13.5 | 12.0 | 20.1 | N/A | 52.3 | 10.5 | 6.4 | 9.3 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | 97.5 | 113.8 | 61.0 | 19.2 | 29.2 | 105.6 |
| Price/Book | N/A | N/A | 0.7 | 1.0 | 0.8 | 1.5 | 1.2 | 1.1 | 0.9 | 0.9 | 1.2 |
| Price/Sales | N/A | N/A | 2.5 | 2.6 | 2.2 | 2.4 | 2.8 | 1.7 | 2.3 | 1.8 | 2.6 |
| FCF Yield | N/A | N/A | 10.1% | 7.4% | 8.3% | 5.0% | -7.0% | 1.9% | 9.6% | 15.5% | 10.7% |
| Market Cap | 0 | N/A | 515M | 868M | 623M | 1.2B | 856M | 825M | 782M | 831M | 1.1B |
| Avg. Price | 0.00 | N/A | 16.38 | 16.54 | 13.40 | 20.97 | 27.50 | 20.27 | 21.67 | 19.40 | 28.50 |
| Year-End Price | 0.00 | N/A | 12.13 | 20.28 | 14.46 | 32.54 | 25.02 | 24.37 | 21.84 | 19.98 | 28.50 |
Amerant Bancorp Inc. passes 3 of 9 quality checks, indicating weak fundamentals.
Amerant Bancorp Inc. trades at 22.6x trailing earnings, compared to its 15-year median P/E of 14.7x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 8.9x vs a median of 12.0x. The company's 5-year average ROIC is 6.1%. Total shareholder yield (dividends + buybacks) is 5.4%. At current prices, the estimated annualized return to fair value is +0.1%.
Amerant Bancorp Inc. (AMTB) has a net profit margin of 7.8%. This is a modest margin.
Amerant Bancorp Inc. (AMTB) generated $129 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Amerant Bancorp Inc. (AMTB) has a debt-to-equity ratio of 0.00. This indicates a conservatively financed balance sheet.
Amerant Bancorp Inc. (AMTB) reported earnings per share (EPS) of $1.26 in its most recent fiscal year.
Amerant Bancorp Inc. (AMTB) has a return on equity (ROE) of 5.7%. This indicates moderate shareholder returns.
The Ledger Terminal provides 10 years of financial data for Amerant Bancorp Inc. (AMTB), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Amerant Bancorp Inc. (AMTB) has a book value per share of $22.57, based on its most recent annual SEC filing.