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Amerant Bancorp Inc. AMTB R2K

Financial Services · Banks - Regional · United States
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. The company offers checking, savings, business, and money market accounts; cash management services; and certificates of deposit. It also provides variable and fixed rate commercial real estate loans; owner-occupied; single-family residential; commercial; and Loans to financial institutions and acceptances, and consumer loans and overdrafts, such as automobile, personal, or loans secured by cash or securities and revolving credit card agreements. In addition, the company offers trust and estate planning products and services to high net worth customers; brokerage and investment advisory services in global capital markets; retail banking; mortgage; and wealth management and fiduciary services. Further, the company provides debit and credit cards, night depositories, direct deposits, cashier's checks, safe deposit boxes, letters of credit, wire transfer, remote deposit capture, and automated clearinghouse services; derivative instruments; and online and mobile banking, account balances, statements and other documents, online transfers and bill payment, and electronic delivery of customer statements services, as well as automated teller machines ATM, and banking by mobile devices, telephone, and mail. It also operates banking centers. The company was formerly known as Mercantil Bank Holding Corporation and changed its name to Amerant Bancorp Inc. in June 2019. Amerant Bancorp Inc. was founded in 1979 and is headquartered in Coral Gables, Florida.

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$22.72
+31.89% 1Y

Market & Price

Market Cap
$894.14M
Current Price
$22.72
High / Low (52W)
$24.12 / $16.29
Beta
0.90

Valuation

Stock P/E
16.00
Industry PE
12.01
Forward P/E
10.65
PEG Ratio
-
Book Value
$22.96
Price to Book
0.99
P/S
2.24
EV/EBITDA
-
Dividend Yield
1.58%

Profitability & Returns

ROCE
-
ROE
6.41%
ROA
0.58%
Profit Margin
14.60%
Op Margin
30.47%
EPS (Latest Qtr)
$0.44
EPS (TTM)
$1.42

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$973.55M
Total Assets
$9.78B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
3.40%
Chg in Prom Hold
0.13%
FII / Inst Holding
71.64%
Chg in FII Hold
0.00%

Financial Snapshot

Enterprise Value
$1.66B
Total Revenue (TTM)
$399.57M
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
$127.69M
Shares Outstanding
39.35M
Gross Margin
0.00%
Payout Ratio
25.35%

Growth (CAGR)

Revenue 5Y
10.01%
Profit 5Y
-6.10%
Revenue (YoY)
3.30%
Earnings (YoY)
57.10%

PROS

  • Compounding revenue at 10.0% over 5 years.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • Earnings shrank at -6.1% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 AMTB Amerant Bancorp Inc. R2K 22.72 16.00 $894.14M 1.58% - 6.41% 10.01% -6.10%
2 JPM JPMorgan Chase & Co. SPX 299.31 14.33 $802.00B 2.00% - 16.47% 12.50% 14.83%
3 V Visa Inc. SPX 326.36 28.48 $620.65B 0.82% 38.38% 60.35% 10.92% 10.28%
4 MA Mastercard Incorporated SPX 493.98 28.57 $436.47B 0.70% 61.47% - 13.82% 14.66%
5 MS Morgan Stanley SPX 208.00 18.84 $328.08B 1.92% - 16.39% 9.52% 15.20%
6 GS The Goldman Sachs Group, Inc. SPX 1,025.56 18.73 $302.55B 1.76% - 14.55% 7.16% 15.11%
7 WFC Wells Fargo & Company SPX 77.54 11.98 $237.29B 2.32% - 12.03% 4.02% 15.98%
8 BLK BlackRock, Inc. SPX 1,046.88 26.32 $162.51B 2.19% 4.89% 11.90% 10.65% 2.36%
9 SCHW The Charles Schwab Corporation SPX 87.35 17.37 $151.91B 1.47% - 19.08% 4.83% 7.21%
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Quarterly Results

Figures in USD.

Metric Jun 2017Sep 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue ------------------------105.07M109.14M108.73M96.39M94.80M
Cost of Revenue -----------------------------
Gross Profit -----------------------------
Operating Expenses -----------------------------
Operating Income -----------------------------
EBITDA -----------------------------
Interest Expense ------------------------60.50M60.62M58.59M57.03M52.74M
Pretax Income ------------------------15.43M29.80M19.01M1.91M22.94M
Tax Provision ------------------------3.47M6.79M4.25M-794.00K5.07M
Net Income 10.39M17.34M9.43M10.42M11.55M13.07M12.86M11.93M3.38M-15.28M1.70M14.46M15.96M17.03M15.38M8.42M17.53M20.19M7.31M22.12M10.57M4.96M--11.96M23.00M14.76M2.70M17.87M
Diluted EPS --0.220.250.270.300.300.280.08-0.370.040.380.420.450.440.250.520.600.220.660.310.15--0.280.550.350.070.44

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue ------314.96M328.91M305.29M419.33M
Cost of Revenue ----------
Gross Profit ----------
Operating Expenses ----------
Operating Income ----------
EBITDA ----------
Interest Expense ------72.11M222.12M269.63M236.74M
Pretax Income ------78.58M41.33M-24.08M66.14M
Tax Provision ------16.62M10.54M-8.33M13.72M
Net Income 23.58M43.06M45.83M51.33M-1.72M-63.31M32.49M-15.75M52.42M
Diluted EPS 0.551.011.081.20-0.04-1.850.96-0.441.26

Compounded Sales Growth

5 Years:10.01%
1 Year:3.30%

Compounded Profit Growth

5 Years:-6.10%
1 Year:57.10%

Stock Price Performance

1 Year:+31.89%
6 Months:+20.92%
3 Months:+6.84%
1 Month:-0.26%

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --8.44B8.12B7.99B7.77B-9.13B9.72B9.90B9.78B
Current Assets -----------
Cash & Equivalents 138.28M134.99M153.44M85.71M121.32M214.39M-248.44M296.02M565.96M463.95M
Inventory -----------
Receivables ------92.50M156.01M---
Total Liabilities --7.68B7.38B7.15B6.99B-8.42B8.98B9.01B8.84B
Current Liabilities -----------
Long Term Debt -------1.06B798.16M838.80M805.96M
Total Debt -------1.20B921.33M1.00B923.41M
Total Equity 682.40M704.74M753.45M747.42M834.70M783.42M-707.82M736.07M890.47M938.80M
Shares Outstanding -------33.82M33.60M42.13M40.60M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 75.27M73.28M62.16M78.39M57.25M--49.16M26.72M82.19M136.98M
Investing Cash Flow -322.23M7.57M206.51M205.84M286.34M--1.40B-606.62M-576.66M-47.80M
Financing Cash Flow 243.67M-62.39M-336.40M-248.62M-250.52M-1.46B611.17M762.96M-209.38M
Capital Expenditure -8.54M-8.61M-10.04M-14.26M-5.57M--10.63M-10.93M-7.40M-7.75M
Free Cash Flow 66.73M64.68M52.12M64.13M51.67M--59.79M15.79M74.79M129.24M
Net Change in Cash ------16.39M31.27M268.49M-120.20M
Share Buybacks ---0036.33M72.06M4.93M7.56M33.00M
Dividends Paid ----0012.23M12.06M12.82M15.10M

Ratios (Annual)

Figures in %.

Metric Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % ----------
Operating Margin % ----------
Net Margin % ------20.1%9.9%-5.2%12.5%
ROE % 3.3%5.7%6.1%6.1%-0.2%-8.9%4.4%-1.8%5.6%
ROCE % ----------

Shareholding Pattern

Insiders
3.40%
Institutions
71.64%
Public Float
74.15%

Top Institutional Holders

#Holder% HeldSharesValue
1 Wellington Management Group, LLP 14.05% 5.53M $125.65M
2 Blackrock Inc. 7.11% 2.80M $63.55M
3 Patriot Financial Partners Gp II, L.P. 5.74% 2.26M $51.29M
4 Vanguard Capital Management LLC 4.51% 1.77M $40.28M
5 Dimensional Fund Advisors LP 3.53% 1.39M $31.56M
6 North Reef Capital Management LP 2.95% 1.16M $26.37M
7 State Street Corporation 2.89% 1.14M $25.84M
8 Geode Capital Management, LLC 2.33% 915.70K $20.80M
9 UBS Group AG 2.23% 875.72K $19.90M
10 American Century Companies Inc 1.34% 528.24K $12.00M

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