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AMTB

Amerant BancorpNasdaqGS:AMTB Stock Report

Last Price

US$33.11

Market Cap

US$1.2b

7D

-3.9%

1Y

121.6%

Updated

19 Jan, 2022

Data

Company Financials +
AMTB fundamental analysis
Snowflake Score
Valuation0/6
Future Growth0/6
Past Performance4/6
Financial Health6/6
Dividends1/6

AMTB Stock Overview

Amerant Bancorp Inc. operates as the bank holding company for Amerant Bank, N.A.

Price History & Performance

Summary of all time highs, changes and price drops for Amerant Bancorp
Historical stock prices
Current Share PriceUS$33.11
52 Week HighUS$36.72
52 Week LowUS$13.63
Beta1.42
1 Month Change-5.51%
3 Month Change24.94%
1 Year Change121.62%
3 Year Change144.35%
5 Year Changen/a
Change since IPO83.94%

Recent News & Updates

Shareholder Returns

AMTBUS BanksUS Market
7D-3.9%-5.8%-4.6%
1Y121.6%28.1%7.7%

Return vs Industry: AMTB exceeded the US Banks industry which returned 29.3% over the past year.

Return vs Market: AMTB exceeded the US Market which returned 10.2% over the past year.

Price Volatility

Is AMTB's price volatile compared to industry and market?
AMTB volatility
AMTB Average Weekly Movement5.5%
Banks Industry Average Movement3.8%
Market Average Movement6.6%
10% most volatile stocks in US Market15.7%
10% least volatile stocks in US Market2.4%

Stable Share Price: AMTB is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 5% a week.

Volatility Over Time: AMTB's weekly volatility (5%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1979733Jerry Plushhttps://www.amerantbank.com

Amerant Bancorp Inc. operates as the bank holding company for Amerant Bank, N.A. that provides banking products and services to individuals and businesses in the United States and internationally. The company offers a range of checking and savings accounts, certificates of deposit, and money market accounts. It also provides variable and fixed rate commercial real estate loans; loans secured by owner-occupied properties; loans to domestic and foreign individuals primarily secured by personal residence; working capital loans, asset-based lending, participations in shared national credits, purchased receivables, and small business administration loans; loans to financial institutions and acceptances; and consumer loans and overdrafts, such as automobile loans, personal loans, or loans secured by cash or securities and revolving credit card agreements.

Amerant Bancorp Fundamentals Summary

How do Amerant Bancorp's earnings and revenue compare to its market cap?
AMTB fundamental statistics
Market CapUS$1.23b
Earnings (TTM)US$55.93m
Revenue (TTM)US$265.35m

22.0x

P/E Ratio

1.5x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
AMTB income statement (TTM)
RevenueUS$265.35m
Cost of RevenueUS$0
Gross ProfitUS$265.35m
ExpensesUS$209.42m
EarningsUS$55.93m

Dividends

0.7%

Current Dividend Yield

n/a

Payout Ratio

Valuation

Is Amerant Bancorp undervalued compared to its fair value and its price relative to the market?

21.97x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: AMTB ($33.11) is trading above our estimate of fair value ($33.03)

Significantly Below Fair Value: AMTB is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: AMTB is poor value based on its PE Ratio (22x) compared to the US Banks industry average (11.2x).

PE vs Market: AMTB is poor value based on its PE Ratio (22x) compared to the US market (17x).


Price to Earnings Growth Ratio

PEG Ratio: AMTB's earnings are forecast to decline next year, so we can't calculate its PEG ratio.


Price to Book Ratio

PB vs Industry: AMTB is overvalued based on its PB Ratio (1.5x) compared to the US Banks industry average (1.2x).


Future Growth

How is Amerant Bancorp forecast to perform in the next 1 to 3 years based on estimates from 6 analysts?

-3.4%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: AMTB's earnings are forecast to decline over the next 3 years (-3.4% per year).

Earnings vs Market: AMTB's earnings are forecast to decline over the next 3 years (-3.4% per year).

High Growth Earnings: AMTB's earnings are forecast to decline over the next 3 years.

Revenue vs Market: AMTB's revenue (7.2% per year) is forecast to grow slower than the US market (9.2% per year).

High Growth Revenue: AMTB's revenue (7.2% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: AMTB's Return on Equity is forecast to be low in 3 years time (8.6%).


Past Performance

How has Amerant Bancorp performed over the past 5 years?

-10.5%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: AMTB has high quality earnings.

Growing Profit Margin: AMTB's current net profit margins (21.1%) are higher than last year (1.8%).


Past Earnings Growth Analysis

Earnings Trend: AMTB's earnings have declined by 10.5% per year over the past 5 years.

Accelerating Growth: AMTB's earnings growth over the past year (1605%) exceeds its 5-year average (-10.5% per year).

Earnings vs Industry: AMTB earnings growth over the past year (1605%) exceeded the Banks industry 43.7%.


Return on Equity

High ROE: AMTB's Return on Equity (6.7%) is considered low.


Financial Health

How is Amerant Bancorp's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: AMTB's Assets to Equity ratio (9.2x) is low.

Allowance for Bad Loans: AMTB has a sufficient allowance for bad loans (101%).

Low Risk Liabilities: 84% of AMTB's liabilities are made up of primarily low risk sources of funding.

Loan Level: AMTB has an appropriate level of Loans to Assets ratio (69%).

Low Risk Deposits: AMTB's Loans to Deposits ratio (92%) is appropriate.

Level of Bad Loans: AMTB has an appropriate level of bad loans (1.6%).


Dividend

What is Amerant Bancorp current dividend yield, its reliability and sustainability?

0.72%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: AMTB's dividend (0.72%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.35%).

High Dividend: AMTB's dividend (0.72%) is low compared to the top 25% of dividend payers in the US market (3.48%).


Stability and Growth of Payments

Stable Dividend: Too early to tell whether AMTB's dividend payments have been stable as they only just started paying a dividend.

Growing Dividend: Too early to tell if AMTB's dividend payments are increasing as they only just started paying a dividend.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: AMTB's dividends in 3 years are forecast to be thoroughly covered by earnings (13.4% payout ratio).


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

1.0yrs

Average management tenure


CEO

Jerry Plush (63 yo)

0.83

Tenure

US$141,694

Compensation

Mr. Gerald Paul Plush, also known as Jerry, serves as Director of Amerant Bank, National Association since October 2019. Mr. Plush serves as President of Amerant Bancorp Inc. since July 01, 2021. He has be...


Leadership Team

Experienced Management: AMTB's management team is not considered experienced ( 1 years average tenure), which suggests a new team.


Board Members

Experienced Board: AMTB's board of directors are seasoned and experienced ( 15 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: AMTB insiders have only sold shares in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Amerant Bancorp Inc.'s employee growth, exchange listings and data sources


Key Information

  • Name: Amerant Bancorp Inc.
  • Ticker: AMTB
  • Exchange: NasdaqGS
  • Founded: 1979
  • Industry: Regional Banks
  • Sector: Banks
  • Implied Market Cap: US$1.228b
  • Shares outstanding: 37.10m
  • Website: https://www.amerantbank.com

Number of Employees


Location

  • Amerant Bancorp Inc.
  • 220 Alhambra Circle
  • Coral Gables
  • Florida
  • 33134
  • United States

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/01/19 23:41
End of Day Share Price2022/01/19 00:00
Earnings2021/09/30
Annual Earnings2020/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.