| Snowflake Score | |
|---|---|
| Valuation | 0/6 |
| Future Growth | 0/6 |
| Past Performance | 4/6 |
| Financial Health | 6/6 |
| Dividends | 1/6 |
AMTB Stock Overview
Amerant Bancorp Inc. operates as the bank holding company for Amerant Bank, N.A.
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$33.11 |
| 52 Week High | US$36.72 |
| 52 Week Low | US$13.63 |
| Beta | 1.42 |
| 1 Month Change | -5.51% |
| 3 Month Change | 24.94% |
| 1 Year Change | 121.62% |
| 3 Year Change | 144.35% |
| 5 Year Change | n/a |
| Change since IPO | 83.94% |
Recent News & Updates
Shareholder Returns
| AMTB | US Banks | US Market | |
|---|---|---|---|
| 7D | -3.9% | -5.8% | -4.6% |
| 1Y | 121.6% | 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
| AMTB volatility | |
|---|---|
| AMTB Average Weekly Movement | 5.5% |
| Banks Industry Average Movement | 3.8% |
| Market Average Movement | 6.6% |
| 10% most volatile stocks in US Market | 15.7% |
| 10% least volatile stocks in US Market | 2.4% |
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
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1979 | 733 | Jerry Plush | https://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
| AMTB fundamental statistics | |
|---|---|
| Market Cap | US$1.23b |
| Earnings (TTM) | US$55.93m |
| Revenue (TTM) | US$265.35m |
22.0x
P/E Ratio1.5x
P/B RatioIs AMTB overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| AMTB income statement (TTM) | |
|---|---|
| Revenue | US$265.35m |
| Cost of Revenue | US$0 |
| Gross Profit | US$265.35m |
| Expenses | US$209.42m |
| Earnings | US$55.93m |
Last Reported Earnings
Sep 30, 2021
Next Earnings Date
Jan 20, 2022
| Earnings per share (EPS) | 1.51 |
| Gross Margin | 100.00% |
| Net Profit Margin | 21.08% |
| Debt/Equity Ratio | 117.8% |
How did AMTB perform over the long term?
See historical performance and comparisonDividends
0.7%
Current Dividend Yieldn/a
Payout RatioValuation
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
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2022/01/19 23:41 |
| End of Day Share Price | 2022/01/19 00:00 |
| Earnings | 2021/09/30 |
| Annual Earnings | 2020/12/31 |
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.