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AMERANT BANCORP INC (AMTB) Stock Fundamental Analysis

NYSE:AMTB - New York Stock Exchange, Inc. - US0235761014 - Common Stock

22.45  -0.28 (-1.23%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to AMTB. AMTB was compared to 405 industry peers in the Banks industry. AMTB may be in some trouble as it scores bad on both profitability and health. AMTB is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

AMTB had positive earnings in the past year.
In the past year AMTB has reported a negative cash flow from operations.
AMTB had positive earnings in 4 of the past 5 years.
AMTB had a positive operating cash flow in 4 of the past 5 years.
AMTB Yearly Net Income VS EBIT VS OCF VS FCFAMTB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 50M -50M 100M

1.2 Ratios

AMTB has a worse Return On Assets (-0.48%) than 96.23% of its industry peers.
The Return On Equity of AMTB (-5.51%) is worse than 96.98% of its industry peers.
Industry RankSector Rank
ROA -0.48%
ROE -5.51%
ROIC N/A
ROA(3y)0.84%
ROA(5y)0.63%
ROE(3y)8.96%
ROE(5y)6.56%
ROIC(3y)N/A
ROIC(5y)N/A
AMTB Yearly ROA, ROE, ROICAMTB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 2 4 6 8 10

1.3 Margins

In the last couple of years the Profit Margin of AMTB has declined.
AMTB does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5Y-14.1%
GM growth 3YN/A
GM growth 5YN/A
AMTB Yearly Profit, Operating, Gross MarginsAMTB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10 20 30

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2

2. Health

2.1 Basic Checks

AMTB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for AMTB has been reduced compared to 1 year ago.
Compared to 5 years ago, AMTB has less shares outstanding
Compared to 1 year ago, AMTB has an improved debt to assets ratio.
AMTB Yearly Shares OutstandingAMTB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M 40M
AMTB Yearly Total Debt VS Total AssetsAMTB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2B 4B 6B 8B

2.2 Solvency

A Debt/Equity ratio of 0.17 indicates that AMTB is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.17, AMTB is in line with its industry, outperforming 58.04% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC13.92%
AMTB Yearly LT Debt VS Equity VS FCFAMTB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 200M 400M 600M 800M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
AMTB Yearly Current Assets VS Current LiabilitesAMTB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M

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4

3. Growth

3.1 Past

The earnings per share for AMTB have decreased strongly by -45.32% in the last year.
AMTB shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -2.23% yearly.
AMTB shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -22.27%.
Measured over the past years, AMTB shows a quite strong growth in Revenue. The Revenue has been growing by 8.69% on average per year.
EPS 1Y (TTM)-45.32%
EPS 3YN/A
EPS 5Y-2.23%
EPS Q2Q%-59.09%
Revenue 1Y (TTM)-22.27%
Revenue growth 3Y16.31%
Revenue growth 5Y8.69%
Sales Q2Q%-66.85%

3.2 Future

AMTB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 15.47% yearly.
AMTB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.29% yearly.
EPS Next Y-27.65%
EPS Next 2Y9.99%
EPS Next 3Y15.47%
EPS Next 5YN/A
Revenue Next Year-4.83%
Revenue Next 2Y3.92%
Revenue Next 3Y6.29%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
AMTB Yearly Revenue VS EstimatesAMTB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M 400M
AMTB Yearly EPS VS EstimatesAMTB Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 1 2

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3

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 20.23, AMTB is valued on the expensive side.
77.89% of the companies in the same industry are cheaper than AMTB, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 28.29. AMTB is valued slightly cheaper when compared to this.
Based on the Price/Forward Earnings ratio of 10.79, the valuation of AMTB can be described as reasonable.
65.08% of the companies in the same industry are more expensive than AMTB, based on the Price/Forward Earnings ratio.
AMTB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.44.
Industry RankSector Rank
PE 20.23
Fwd PE 10.79
AMTB Price Earnings VS Forward Price EarningsAMTB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
AMTB Per share dataAMTB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15 20

4.3 Compensation for Growth

AMTB's earnings are expected to grow with 15.47% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y9.99%
EPS Next 3Y15.47%

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1

5. Dividend

5.1 Amount

AMTB has a Yearly Dividend Yield of 1.65%.
Compared to an average industry Dividend Yield of 3.22, AMTB is paying slightly less dividend.
AMTB's Dividend Yield is slightly below the S&P500 average, which is at 2.28.
Industry RankSector Rank
Dividend Yield 1.65%

5.2 History

AMTB has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years1
AMTB Yearly Dividends per shareAMTB Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 0.2 0.4 0.6

5.3 Sustainability

AMTB has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-24.2%
EPS Next 2Y9.99%
EPS Next 3Y15.47%
AMTB Yearly Income VS Free CF VS DividendAMTB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 50M -50M 100M

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AMERANT BANCORP INC

NYSE:AMTB (1/22/2025, 11:49:54 AM)

22.45

-0.28 (-1.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-23 2024-10-23/amc
Earnings (Next)01-22 2025-01-22/amc
Inst Owners38.14%
Inst Owner Change0.03%
Ins Owners6.04%
Ins Owner Change-0.62%
Market Cap945.37M
Analysts80
Price Target27.95 (24.5%)
Short Float %3.65%
Short Ratio4.79
Dividend
Industry RankSector Rank
Dividend Yield 1.65%
Yearly Dividend0.36
Dividend Growth(5Y)N/A
DP-24.2%
Div Incr Years0
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.46%
Min EPS beat(2)-21.57%
Max EPS beat(2)28.5%
EPS beat(4)1
Avg EPS beat(4)-13.19%
Min EPS beat(4)-46.83%
Max EPS beat(4)28.5%
EPS beat(8)3
Avg EPS beat(8)-8.92%
EPS beat(12)6
Avg EPS beat(12)-6.03%
EPS beat(16)10
Avg EPS beat(16)4.27%
Revenue beat(2)1
Avg Revenue beat(2)-31.72%
Min Revenue beat(2)-66.85%
Max Revenue beat(2)3.41%
Revenue beat(4)2
Avg Revenue beat(4)-13.87%
Min Revenue beat(4)-66.85%
Max Revenue beat(4)8.76%
Revenue beat(8)6
Avg Revenue beat(8)-3.11%
Revenue beat(12)8
Avg Revenue beat(12)5.47%
Revenue beat(16)11
Avg Revenue beat(16)4.34%
PT rev (1m)9.6%
PT rev (3m)8.73%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-40.25%
EPS NY rev (1m)0%
EPS NY rev (3m)-11.43%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.01%
Revenue NY rev (1m)-4.21%
Revenue NY rev (3m)-2.8%
Valuation
Industry RankSector Rank
PE 20.23
Fwd PE 10.79
P/S 2.9
P/FCF N/A
P/OCF N/A
P/B 1.05
P/tB 1.07
EV/EBITDA N/A
EPS(TTM)1.11
EY4.94%
EPS(NY)2.08
Fwd EY9.27%
FCF(TTM)-0.45
FCFYN/A
OCF(TTM)-0.23
OCFYN/A
SpS7.74
BVpS21.44
TBVpS20.99
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.48%
ROE -5.51%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)0.84%
ROA(5y)0.63%
ROE(3y)8.96%
ROE(5y)6.56%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5Y-14.1%
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 145.27%
Cap/Sales 2.83%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score3
WACC13.92%
ROIC/WACCN/A
Cap/Depr(3y)143.7%
Cap/Depr(5y)138.31%
Cap/Sales(3y)2.61%
Cap/Sales(5y)3.05%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-45.32%
EPS 3YN/A
EPS 5Y-2.23%
EPS Q2Q%-59.09%
EPS Next Y-27.65%
EPS Next 2Y9.99%
EPS Next 3Y15.47%
EPS Next 5YN/A
Revenue 1Y (TTM)-22.27%
Revenue growth 3Y16.31%
Revenue growth 5Y8.69%
Sales Q2Q%-66.85%
Revenue Next Year-4.83%
Revenue Next 2Y3.92%
Revenue Next 3Y6.29%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-25.58%
FCF growth 3Y-32.65%
FCF growth 5Y-21.25%
OCF growth 1Y-97.03%
OCF growth 3Y-22.43%
OCF growth 5Y-15.54%