Amerant Bancorp (AMTB) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Amerant Bancorp

NYSE•Financial Services•Banks - Regional

$29.15+0.27(0.01%)Market open

Market Cap

$1.16B

P/E

20.6x

P/S

1.8x

P/B

1.3x

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.

How this company scores

WeakMetricSide Score: 67/100

Grade capped at D — Interest coverage below 1× (0.5x) — earnings cannot cover interest. Strongest: Profitability (19/25); weakest: Cash & Earnings Quality (16/25).

Profitability19/25

Growth16/25

Balance Sheet & Red Flags16/25

Cash & Earnings Quality16/25

Strengths

Rising earningsLow leverageCash-backed earningsConsistent free cash flow

Grade capped at D

Interest coverage below 1× (0.5x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 20.6x5y range 7.7x – 207.3x

Currently above its 17-quarter median.

P/S · 1.8x5y range 1.0x – 3.4x

Currently above its 20-quarter median.

P/B · 1.3x5y range 0.8x – 1.5x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

The company posted negative operating margins in recent quarters — core operations are unprofitable.

Share Dilution

Red Flag

Shares outstanding increased 16.4% — significant dilution, likely from stock compensation or capital raises.

Price & Volume

Market Cap $1.16B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $643.46M
Q. Revenue: $153.82M
TTM EBITDA: $77.50M
TTM Op. Income: $70.97M
Q. Op. Income: $27.11M
TTM Net Income: $56.37M
Q. Net Income: $21.04M
EPS: $0.54
Shares Out.: $39.32M

$643.46M in TTM revenue grew 4.2% YoY, reaching $153.82M last quarter. TTM EBITDA of $77.50M and TTM operating income of $70.97M show growth is flowing through to the bottom line. TTM net income of $56.37M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has fallen for 3 consecutive quarters — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 65.5%
EBITDA Margin: 18.6%
Op. Margin: 17.6%
Net Margin: 13.7%

Op. margin of 17.6% is up 0.2% YoY — cost efficiency is improving. Net margin at 13.7% and gross margin of 65.5% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has risen for 2 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 20.6x
P/S Ratio: 1.8x
P/B Ratio: 1.3x

At 20.6x P/E, the stock trades within typical market levels. P/S of 1.8x and P/B of 1.3x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is down 90% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $10.29B
Cash: $301.13M
Long-Term Debt: $29.88M
Book Value: $914.37M
D/E Ratio: 0.0
Debt/EBITDA: 1.0

With $10.29B in assets and $29.88M in long-term debt, D/E is 0.0and book value is $914.37M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has risen for 3 consecutive quarters — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $39.36M
TTM Free Cash Flow: $104.49M
FCF Margin: 16.2%
FCF / Net Income: 1.9

TTM FCF of $104.49M on $39.36M in operating cash flow. The FCF / Net Income ratio of 1.9x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has fallen for 3 consecutive quarters — a weakening trend.