AMERANT BANCORP INC(NYSE:AMTB) stock Fundamental Analysis

Fundamental Rating

AMTB gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 404 industry peers in the Banks industry. Both the profitability and financial health of AMTB have multiple concerns. AMTB is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

AMTB had positive earnings in the past year.

AMTB had a negative operating cash flow in the past year.

The reported net income has been mixed in the past 5 years: AMTB reported negative net income in multiple years.

In multiple years AMTB reported negative operating cash flow during the last 5 years.

1.2 Ratios

With a Return On Assets value of -0.48%, AMTB is not doing good in the industry: 95.05% of the companies in the same industry are doing better.

AMTB's Return On Equity of -5.51% is on the low side compared to the rest of the industry. AMTB is outperformed by 95.79% of its industry peers.

		Industry Rank	Sector Rank
ROA	-0.48%
ROE	-5.51%
ROIC	N/A

ROA(3y)0.29%

ROA(5y)0.46%

ROE(3y)3.86%

ROE(5y)4.98%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

AMTB does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector 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 5YN/A

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

AMTB does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, AMTB has more shares outstanding

Compared to 5 years ago, AMTB has less shares outstanding

The debt/assets ratio for AMTB has been reduced compared to a year ago.

2.2 Solvency

AMTB has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.

Looking at the Debt to Equity ratio, with a value of 0.17, AMTB is in line with its industry, outperforming 57.18% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.17
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC13.7%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for AMTB have decreased strongly by -20.35% in the last year.

Measured over the past 5 years, AMTB shows a small growth in Earnings Per Share. The EPS has been growing by 2.18% on average per year.

The Revenue for AMTB has decreased by -18.85% in the past year. This is quite bad

AMTB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.45% yearly.

EPS 1Y (TTM)-20.35%

EPS 3Y-7.84%

EPS 5Y2.18%

EPS Q2Q%108.33%

Revenue 1Y (TTM)-18.85%

Revenue growth 3Y1.03%

Revenue growth 5Y4.45%

Sales Q2Q%9.9%

3.2 Future

The Earnings Per Share is expected to grow by 38.17% on average over the next years. This is a very strong growth

Based on estimates for the next years, AMTB will show a quite strong growth in Revenue. The Revenue will grow by 12.95% on average per year.

EPS Next Y48.61%

EPS Next 2Y38.17%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year14.54%

Revenue Next 2Y12.95%

Revenue Next 3YN/A

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 accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 15.75, AMTB is valued correctly.

AMTB's Price/Earnings ratio is a bit more expensive when compared to the industry. AMTB is more expensive than 69.31% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 29.35, AMTB is valued a bit cheaper.

The Price/Forward Earnings ratio is 10.60, which indicates a very decent valuation of AMTB.

The rest of the industry has a similar Price/Forward Earnings ratio as AMTB.

AMTB is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.10, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	15.75
Fwd PE	10.6

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

AMTB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

A more expensive valuation may be justified as AMTB's earnings are expected to grow with 38.17% in the coming years.

PEG (NY)0.32

PEG (5Y)7.23

EPS Next 2Y38.17%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

AMTB has a Yearly Dividend Yield of 1.66%. Purely for dividend investing, there may be better candidates out there.

AMTB's Dividend Yield is slightly below the industry average, which is at 3.34.

AMTB's Dividend Yield is slightly below the S&P500 average, which is at 2.33.

		Industry Rank	Sector Rank
Dividend Yield	1.66%

5.2 History

AMTB has been paying a dividend for over 5 years, so it has already some track record.

The dividend of AMTB decreased recently.

Dividend Growth(5Y)N/A

Div Incr Years0

Div Non Decr Years1

5.3 Sustainability

The earnings of AMTB are negative and hence is the payout ratio. AMTB will probably not be able to sustain this dividend level.

DP-24.2%

EPS Next 2Y38.17%

EPS Next 3YN/A

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AMERANT BANCORP INC

NYSE:AMTB (3/7/2025, 8:04:54 PM)

After market: 21.58 0 (0%)

21.58

-0.14 (-0.64%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-22 2025-01-22/amc

Earnings (Next)04-22 2025-04-22/amc

Inst Owners64.87%

Inst Owner Change6.47%

Ins Owners6.51%

Ins Owner Change2.79%

Market Cap904.63M

Analysts80

Price Target28.15 (30.44%)

Short Float %5.16%

Short Ratio7.27

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.66%

Yearly Dividend0.36

Dividend Growth(5Y)N/A

DP-24.2%

Div Incr Years0

Div Non Decr Years1

Ex-Date02-14 2025-02-14 (0.09)

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)2

Avg Revenue beat(2)2.35%

Min Revenue beat(2)1.29%

Max Revenue beat(2)3.41%

Revenue beat(4)3

Avg Revenue beat(4)3.17%

Min Revenue beat(4)-0.8%

Max Revenue beat(4)8.76%

Revenue beat(8)7

Avg Revenue beat(8)5.41%

Revenue beat(12)9

Avg Revenue beat(12)11.15%

Revenue beat(16)12

Avg Revenue beat(16)8.6%

PT rev (1m)0%

PT rev (3m)10.4%

EPS NQ rev (1m)-17.37%

EPS NQ rev (3m)-17.37%

EPS NY rev (1m)0%

EPS NY rev (3m)-2.16%

Revenue NQ rev (1m)-0.03%

Revenue NQ rev (3m)-0.03%

Revenue NY rev (1m)0.39%

Revenue NY rev (3m)7.41%

Valuation

		Industry Rank	Sector Rank
PE	15.75
Fwd PE	10.6
P/S	2.78
P/FCF	N/A
P/OCF	N/A
P/B	1
P/tB	1.02
EV/EBITDA	N/A

EPS(TTM)1.37

EY6.35%

EPS(NY)2.04

Fwd EY9.43%

FCF(TTM)-0.45

FCFYN/A

OCF(TTM)-0.23

OCFYN/A

SpS7.77

BVpS21.54

TBVpS21.08

PEG (NY)0.32

PEG (5Y)7.23

Profitability

		Industry Rank	Sector 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)0.29%

ROA(5y)0.46%

ROE(3y)3.86%

ROE(5y)4.98%

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 5YN/A

GM growth 3YN/A

GM growth 5YN/A

F-Score3

Asset Turnover0.03

Health

		Industry Rank	Sector 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

WACC13.7%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-20.35%

EPS 3Y-7.84%

EPS 5Y2.18%

EPS Q2Q%108.33%

EPS Next Y48.61%

EPS Next 2Y38.17%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-18.85%

Revenue growth 3Y1.03%

Revenue growth 5Y4.45%

Sales Q2Q%9.9%

Revenue Next Year14.54%

Revenue Next 2Y12.95%

Revenue Next 3YN/A

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-244.34%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-140.11%

OCF growth 3YN/A

OCF growth 5YN/A

AMERANT BANCORP INC (AMTB) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens