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Market Cap

US$746.8m

Last Updated

2021/05/07 03:36 UTC

Data Sources

Company Financials +

Executive Summary

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


Snowflake Analysis

Flawless balance sheet with reasonable growth potential.

Share Price & News

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


Latest Share Price and Events

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.


Market Performance


7 Day Return

15.2%

AMTB

2.4%

US Banks

-1.7%

US Market


1 Year Return

83.1%

AMTB

82.9%

US Banks

51.8%

US Market

Return vs Industry: AMTB matched the US Banks industry which returned 82.9% over the past year.

Return vs Market: AMTB exceeded the US Market which returned 51.8% over the past year.


Shareholder returns

AMTBIndustryMarket
7 Day15.2%2.4%-1.7%
30 Day10.2%6.5%1.5%
90 Day34.3%22.6%3.1%
1 Year83.1%83.1%88.8%82.9%54.4%51.8%
3 Yearn/a28.3%17.4%63.0%52.8%
5 Yearn/a115.1%88.1%127.2%101.9%

Long-Term 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 compared to its fair value and its price relative to the market?

90.82x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: AMTB ($20.93) is trading above our estimate of fair value ($18.52)

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 (90.8x) compared to the US Banks industry average (12.1x).

PE vs Market: AMTB is poor value based on its PE Ratio (90.8x) compared to the US market (20.2x).


Price to Earnings Growth Ratio

PEG Ratio: AMTB is poor value based on its PEG Ratio (3.7x)


Price to Book Ratio

PB vs Industry: AMTB is good value based on its PB Ratio (1x) compared to the US Banks industry average (1.1x).


Future Growth

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

24.3%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: AMTB's forecast earnings growth (24.3% per year) is above the savings rate (2%).

Earnings vs Market: AMTB's earnings (24.3% per year) are forecast to grow faster than the US market (15.4% per year).

High Growth Earnings: earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: AMTB's revenue (10.1% per year) is forecast to grow faster than the US market (9.2% per year).

High Growth Revenue: AMTB's revenue (10.1% 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 (7.2%).


Past Performance

How has Amerant Bancorp performed over the past 5 years?

-23.2%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: AMTB has a large one-off loss of $9.6M impacting its March 31 2021 financial results.

Growing Profit Margin: AMTB's current net profit margins (5%) are lower than last year (16.3%).


Past Earnings Growth Analysis

Earnings Trend: AMTB's earnings have declined by 23.2% per year over the past 5 years.

Accelerating Growth: AMTB's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: AMTB had negative earnings growth (-77.5%) over the past year, making it difficult to compare to the Banks industry average (17.2%).


Return on Equity

High ROE: AMTB's Return on Equity (1.2%) 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 (9.9x) is low.

Allowance for Bad Loans: AMTB has a sufficient allowance for bad loans (124%).

Low Risk Liabilities: 82% 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 (73%).

Low Risk Deposits: AMTB's Loans to Deposits ratio (99%) 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?

0.30%

Forecast Dividend Yield


Dividend Yield vs Market

Notable Dividend: Unable to evaluate AMTB's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate AMTB's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if AMTB's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if AMTB's dividend payments have been increasing.


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: No need to calculate the sustainability of AMTB's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

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

1.2yrs

Average management tenure


CEO

Jerry Plush (62 yo)

0.17

Tenure

US$141,694

Compensation

Mr. Gerald Paul Plush, also known as Jerry, serves as Director of Amerant Bank, National Association since October 2019. He has been an Independent Director of Amerant Bancorp Inc. since July 17, 2019. He ...


Leadership Team

Experienced Management: AMTB's management team is not considered experienced ( 1.2 years average tenure), which suggests a new team.


Board Members

Experienced Board: AMTB's board of directors are seasoned and experienced ( 10.3 years average tenure).


Ownership

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


Insider Trading Volume

Insider Buying: AMTB insiders have bought more shares than they have sold 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 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$746.775m
  • Shares outstanding: 37.85m
  • Website: https://www.amerantbank.com

Number of Employees


Location

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

Listings


Biography

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 comp...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/05/07 03:36
End of Day Share Price2021/05/06 00:00
Earnings2021/03/31
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.