AMTB

Company Overview — What Does Amerant Bancorp Inc. Do?

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 checking, savings, and money market accounts; and certificates of deposits. 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, 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, and wealth management and fiduciary services. Further, it provides debit and credit cards, night depositories, direct deposits, cashier's checks, safe deposit boxes, letters of credit, and treasury management services, including 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, and banking by mobile devices, telephone, and mail. As of December 31, 2021, the company operated 24 banking centers comprising 17 in Florida and 7 in Texas. It also operates loan production offices in Tampa, Florida. 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. Amerant Bancorp Inc. (AMTB) is classified as a small-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Gerald P. Plush and employs approximately 680 people. With a market capitalization of $908M, AMTB is one of the notable companies in the Financials sector.

Amerant Bancorp Inc. (AMTB) Stock Rating — Hold (April 2026)

As of April 2026, Amerant Bancorp Inc. receives a Hold rating with a composite score of 47.8/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.AMTB ranks #490 out of 4,446 stocks in our coverage universe. Within the Financials sector, Amerant Bancorp Inc. ranks #157 of 891 stocks, placing it in the top quartile of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

AMTB Stock Price and 52-Week Range

Amerant Bancorp Inc. (AMTB) currently trades at $23.81. The stock lost $0.41 (1.7%) in the most recent trading session. The 52-week high for AMTB is $23.55, which means the stock is currently trading 1.1% from its annual peak. The 52-week low is $15.62, putting the stock 52.4% above its annual trough. Recent trading volume was 190K shares, suggesting relatively thin trading activity.

Is AMTB Overvalued or Undervalued? — Valuation Analysis

Amerant Bancorp Inc. (AMTB) carries a value factor score of 67/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 601.13x, compared to the Financials sector average of 14.88x — a premium of 3940%. The price-to-book ratio stands at 0.99x, versus the sector average of 1.22x. The price-to-sales ratio is 1.55x, compared to 0.90x for the average Financials stock. On an enterprise value basis, AMTB trades at 107.17x EV/EBITDA, versus 3.26x for the sector.

Overall, AMTB's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.

Amerant Bancorp Inc. Profitability — ROE, Margins, and Quality Score

Amerant Bancorp Inc. (AMTB) earns a quality factor score of 46/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 0.2%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at 0.0% versus the sector average of 1.2%.

On a margin basis, Amerant Bancorp Inc. reports gross margins of 0.0%. The operating margin is 0.5% (sector: 21.8%). Net profit margin stands at 0.3%, versus 17.7% for the average Financials stock. Revenue growth is running at 4.3% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

AMTB Debt, Balance Sheet, and Financial Health

Amerant Bancorp Inc. has a debt-to-equity ratio of 941.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.11x, suggesting adequate working capital coverage. Total debt on the balance sheet is $926M. Cash and equivalents stand at $46M.

AMTB has a beta of 0.90, meaning it is roughly in line with the broader market in terms of price volatility. The stability factor score for Amerant Bancorp Inc. is 71/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.

Amerant Bancorp Inc. Revenue and Earnings History — Quarterly Trend

In TTM 2026, Amerant Bancorp Inc. reported revenue of $602M and earnings per share (EPS) of $1.26. Net income for the quarter was $2M. Gross margin was 0.0%. Operating income came in at $2M.

In FY 2025, Amerant Bancorp Inc. reported revenue of $597M and earnings per share (EPS) of $1.26. Net income for the quarter was $52M. Revenue grew 0.3% year-over-year compared to FY 2024. Operating income came in at $66M.

In Q3 2025, Amerant Bancorp Inc. reported revenue of $153M and earnings per share (EPS) of $0.35. Net income for the quarter was $15M. Revenue grew 0.7% year-over-year compared to Q3 2024. Operating income came in at $19M.

In Q2 2025, Amerant Bancorp Inc. reported revenue of $151M and earnings per share (EPS) of $0.55. Net income for the quarter was $23M. Revenue grew 3.2% year-over-year compared to Q2 2024. Operating income came in at $30M.

Over the past 8 quarters, Amerant Bancorp Inc. has demonstrated a growth trajectory, with revenue expanding from $146M to $602M. Investors analyzing AMTB stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

AMTB Dividend Yield and Income Analysis

Amerant Bancorp Inc. (AMTB) does not currently pay a dividend. This is common among smaller companies in the Banking industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Financials dividend stocks may want to explore other Financials stocks or use the stock screener to filter by dividend yield.

AMTB Momentum and Technical Analysis Profile

Amerant Bancorp Inc. (AMTB) has a momentum factor score of 49/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 32/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 16/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

AMTB vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, Amerant Bancorp Inc. (AMTB) ranks #157 out of 891 stocks based on the Blank Capital composite score. This places AMTB in the top quartile of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing AMTB against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full AMTB vs S&P 500 (SPY) comparison to assess how Amerant Bancorp Inc. stacks up against the broader market across all factor dimensions.

AMTB Next Earnings Date

No upcoming earnings date has been announced for Amerant Bancorp Inc. (AMTB) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy AMTB? — Investment Thesis Summary

Amerant Bancorp Inc. presents a balanced picture with arguments on both sides. The value score of 67/100 suggests attractive pricing relative to fundamentals. Low volatility (stability score 71/100) reduces downside risk.

In summary, Amerant Bancorp Inc. (AMTB) earns a Hold rating with a composite score of 47.8/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on AMTB stock.

Related Resources for AMTB Investors

Explore more research and tools: AMTB vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare AMTB head-to-head with peers: AMTB vs WTM, AMTB vs OPY, AMTB vs ACT.