NasdaqGS:AMTB

Stock Analysis Report

Executive Summary

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

Snowflake

Fundamentals

Flawless balance sheet and fair value.

Risks

  • Amerant Bancorp has significant price volatility in the past 3 months.

Share Price & News

How has Amerant Bancorp's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0.6%

NasdaqGS:AMTB

0.3%

US Banks

0.9%

US Market


1 Year Return

n/a

NasdaqGS:AMTB

-13.6%

US Banks

0.3%

US Market

No trading data on AMTB.

No trading data on AMTB.


Share holder returns

AMTBIndustryMarket
7 Day0.6%0.3%0.9%
30 Day-4.0%-5.1%-1.9%
90 Day-9.1%-3.5%1.6%
1 Yearn/a-11.2%-13.6%2.6%0.3%
3 Yearn/a43.6%33.7%41.0%31.8%
5 Yearn/a53.7%37.0%55.2%38.0%

Price Volatility Vs. Market

How volatile is Amerant Bancorp's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is Amerant Bancorp undervalued based on future cash flows and its price relative to the stock market?

13.95x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Amerant Bancorp's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Amerant Bancorp's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Amerant Bancorp is overvalued based on earnings compared to the US Banks industry average.

Amerant Bancorp is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Amerant Bancorp is good value based on expected growth next year.


Price Based on Value of Assets

Amerant Bancorp is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Amerant Bancorp expected to perform in the next 1 to 3 years based on estimates from 4 analysts?

14.1%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Amerant Bancorp's revenue is expected to grow by 1.7% yearly, however this is not considered high growth (20% yearly).

Amerant Bancorp's earnings are expected to grow by 14.1% yearly, however this is not considered high growth (20% yearly).

Amerant Bancorp's revenue growth is positive but not above the United States of America market average.

Amerant Bancorp's earnings growth is expected to exceed the United States of America market average.

Amerant Bancorp's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Amerant Bancorp is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).


Next Steps

Past Performance

How has Amerant Bancorp performed over the past 5 years?

26.2%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Amerant Bancorp has delivered over 20% year on year earnings growth in the past 5 years.

Amerant Bancorp's 1-year earnings growth is less than its 5-year average (12.8% vs 26.2%)

Amerant Bancorp's earnings growth has not exceeded the US Banks industry average in the past year (12.8% vs 33.2%).


Return on Equity

Amerant Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Amerant Bancorp used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Amerant Bancorp improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

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

Information is not available.

Information is not available.


Financial Institutions Analysis

Amerant Bancorp has an acceptable proportion of non-loan assets held.

Amerant Bancorp has a sufficient allowance for bad loans.

Amerant Bancorp's liabilities are made up of primarily low risk sources of funding.

Amerant Bancorp's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Amerant Bancorp are broadly funded by customer deposits.

Amerant Bancorp has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

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


Dividend Yield and Payments Analysis

Unable to evaluate Amerant Bancorp's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Amerant Bancorp's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Amerant Bancorp has not reported any payouts.

Unable to verify if Amerant Bancorp's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Amerant Bancorp has not reported any payouts.


Future Payout to Shareholders

No need to calculate the sustainability of Amerant Bancorp's dividends in 3 years as they are not expected to pay a notable one for United States of America.


Next Steps

Management

What is the CEO of Amerant Bancorp's salary, the management and board of directors tenure and is there insider trading?

1.5yrs

Average management tenure


CEO

Millar Wilson (66yo)

10.6yrs

Tenure

US$5,142,284

Compensation

Mr. Millar Wilson serves as Chief Executive Officer of Mercantil Commercebank Florida Bancorp and Mercantil Commercebank Holding Corporation. Mr. Wilson serves as Executive Director of International Busine ...


CEO Compensation Analysis

Millar's remuneration is higher than average for companies of similar size in United States of America.

Millar's compensation has increased by more than 20% in the past year whilst earnings grew less than 20%.


Management Age and Tenure

1.5yrs

Average Tenure

58yo

Average Age

The average tenure for the Amerant Bancorp management team is less than 2 years, this suggests a new team.


Board Age and Tenure

12.6yrs

Average Tenure

66yo

Average Age

The average tenure for the Amerant Bancorp board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month open market individual insider trading information.


Recent Insider Transactions

BuyUS$2,800,00004 Apr 19
Patriot Financial Partners, L.P.
EntityCompany
Shares200,000
Max PriceUS$14.00
BuyUS$59,99527 Dec 18
Alfonso Figueredo
EntityIndividual
Role
Co-President
Co-President & COO
Shares4,615
Max PriceUS$13.00
BuyUS$9,99727 Dec 18
Jose Villamil
EntityIndividual
Role
Member of the Board of Directors
Director
Shares769
Max PriceUS$13.00
BuyUS$9,99727 Dec 18
J. Villar
EntityIndividual
Role
Member of the Board of Directors
Director
Shares769
Max PriceUS$13.00
BuyUS$130,00027 Dec 18
Alberto Peraza
EntityIndividual
Role
Co-President
Co-President & CFO
Shares10,000
Max PriceUS$13.00
BuyUS$9,99727 Dec 18
Pamella Dana
EntityIndividual
Role
Member of the Board of Directors
Director
Shares769
Max PriceUS$13.00
SellUS$63,992,20127 Dec 18
Mercantil Servicios Financieros, C.A.
EntityCompany
Shares4,922,477
Max PriceUS$13.00
BuyUS$78,00027 Dec 18
Frederick Copeland
EntityIndividual
Role
Chairman of the Board
Non-Executive Chairman
Shares6,000
Max PriceUS$13.00
BuyUS$32,50027 Dec 18
Alberto Capriles
EntityIndividual
Role
Senior Key Executive
Executive VP & Chief Risk Officer
Shares2,500
Max PriceUS$13.00
BuyUS$74,99727 Dec 18
Miguel Palacios
EntityIndividual
Role
Senior Key Executive
Executive VP & Chief Business Officer
Shares5,769
Max PriceUS$13.00
BuyUS$399,99727 Dec 18
Millar Wilson
EntityIndividual
Role
Chief Executive Officer
Vice-Chairman & CEO
Shares30,769
Max PriceUS$13.00

Ownership Breakdown


Management Team

  • Millar Wilson (66yo)

    Vice-Chairman & CEO

    • Tenure: 10.6yrs
    • Compensation: US$5.14m
  • Al Peraza (59yo)

    Co-President & CFO

    • Tenure: 1.5yrs
    • Compensation: US$2.76m
  • Alfonso Figueredo (58yo)

    Co-President & COO

    • Tenure: 1.5yrs
  • Ivan Trujillo

    Senior VP & Company Secretary

    • Tenure: 0.0yrs
  • Julio Peña

    Senior VP & Assistant Corporate Secretary

    • Tenure: 14.6yrs
  • Jorge Trabanco (58yo)

    Chief Accounting Officer

    • Tenure: 1.3yrs
  • Herbie Folgueira

    Technology Officer

    • Tenure: 0.0yrs
  • Miguel Palacios (51yo)

    Executive VP & Chief Business Officer

    • Tenure: 1.5yrs
    • Compensation: US$1.74m
  • Alberto Capriles (51yo)

    Executive VP & Chief Risk Officer

    • Tenure: 1.5yrs
  • Laura Rossi

    Head of Investor Relations

    • Tenure: 0.0yrs

Board Members

  • J. Villar (76yo)

    Director

    • Tenure: 21.6yrs
    • Compensation: US$292.10k
  • Rick Copeland (77yo)

    Non-Executive Chairman

    • Tenure: 0.7yrs
    • Compensation: US$346.30k
  • Tony Villamil (72yo)

    Director

    • Tenure: 16.6yrs
    • Compensation: US$281.80k
  • Miguel Angel C. López (55yo)

    Director

    • Tenure: 16.6yrs
    • Compensation: US$264.50k
  • Gustavo Julio Vollmer Acedo (69yo)

    Director

    • Tenure: 16.6yrs
    • Compensation: US$309.30k
  • Millar Wilson (66yo)

    Vice-Chairman & CEO

    • Tenure: 10.6yrs
    • Compensation: US$5.14m
  • Pamella Dana (56yo)

    Director

    • Tenure: 12.6yrs
    • Compensation: US$312.30k
  • Rosa de Costantino (61yo)

    Director

    • Tenure: 1.6yrs
    • Compensation: US$255.20k
  • Ivan Trujillo

    Senior VP & Company Secretary

    • Tenure: 0.0yrs
  • Gustavo Antonio Marturet Medina (53yo)

    Director

    • Tenure: 4.6yrs
    • Compensation: US$262.30k

Company Information

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


Key Information

  • Name: Amerant Bancorp Inc.
  • Ticker: AMTB
  • Exchange: NasdaqGS
  • Founded: 1979
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$687.141m
  • Shares outstanding: 43.20m
  • Website: https://www.amerantbank.com

Number of Employees


Location

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

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
AMTB.BNasdaqGS (Nasdaq Global Select)Class B Common StockUSUSDAug 2018
AMTBNasdaqGS (Nasdaq Global Select)YesClass A Common StockUSUSDAug 2018
0KZADB (Deutsche Boerse AG)YesClass A Common StockDEEURAug 2018

Biography

Amerant Bancorp Inc. operates as a 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 compan ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/21 01:09
End of Day Share Price2019/08/20 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.