Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial - Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
AMTB 
Amerant Bancorp Inc. (AMTB)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- 1Y
- 1M
- 1W
Upturn Advisory Summary
12/02/2025: AMTB (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $21.25
1 Year Target Price $21.25
| 1 | Strong Buy |
| 1 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -41.63% | Avg. Invested days 26 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/02/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 808.02M USD | Price to earnings Ratio 11.09 | 1Y Target Price 21.25 |
Price to earnings Ratio 11.09 | 1Y Target Price 21.25 | ||
Volume (30-day avg) 5 | Beta 1.03 | 52 Weeks Range 15.54 - 25.38 | Updated Date 12/2/2025 |
52 Weeks Range 15.54 - 25.38 | Updated Date 12/2/2025 | ||
Dividends yield (FY) 1.91% | Basic EPS (TTM) 1.72 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 17.14% | Operating Margin (TTM) 23.08% |
Management Effectiveness
Return on Assets (TTM) 0.64% | Return on Equity (TTM) 7.21% |
Valuation
Trailing PE 11.09 | Forward PE 11.45 | Enterprise Value 1077184256 | Price to Sales(TTM) 2.08 |
Enterprise Value 1077184256 | Price to Sales(TTM) 2.08 | ||
Enterprise Value to Revenue 4.48 | Enterprise Value to EBITDA - | Shares Outstanding 41952590 | Shares Floating 37432281 |
Shares Outstanding 41952590 | Shares Floating 37432281 | ||
Percent Insiders 1.46 | Percent Institutions 69.86 |
Upturn AI SWOT
Amerant Bancorp Inc.
Company Overview
History and Background
Amerant Bancorp Inc. was founded in 1979 as Commercebank. It has grown through organic expansion and strategic acquisitions, focusing on serving businesses and individuals in South Florida. The company rebranded as Amerant Bank in 2018 to reflect its broader service area and growth strategy.
Core Business Areas
- Commercial Banking: Offers a range of lending and deposit products to businesses, including commercial real estate financing, working capital loans, and treasury management services.
- Retail Banking: Provides banking services to individuals, including checking and savings accounts, mortgages, personal loans, and wealth management services.
- Wealth Management: Offers investment advisory, trust, and brokerage services to high-net-worth individuals and families.
Leadership and Structure
The leadership team includes Jerry Plush (Chairman and CEO), Carlos Iafigliola (Vice Chairman), and Sharymar Calderon (EVP, Chief Financial Officer). The organizational structure comprises various departments including commercial banking, retail banking, wealth management, and operations, all reporting to the CEO.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial real estate projects. Market share data is not publicly available. Competitors include Wells Fargo, Bank of America, and regional banks like City National Bank.
- Treasury Management Services: Offers solutions for managing cash flow, payments, and liquidity. Market share data is not publicly available. Competitors include JP Morgan Chase, Citibank and other regional players.
- Residential Mortgages: Provides mortgages to individuals purchasing or refinancing homes. Market share data is not publicly available. Competitors include Rocket Mortgage, local credit unions, and national banks.
Market Dynamics
Industry Overview
The banking industry is currently characterized by rising interest rates, increased regulatory scrutiny, and evolving customer expectations driven by digital technologies. Competition is intense, with both large national banks and smaller regional players vying for market share.
Positioning
Amerant Bancorp Inc. is positioned as a relationship-focused bank catering to businesses and high-net-worth individuals in South Florida and select other markets. Its competitive advantages include strong local market knowledge and personalized service.
Total Addressable Market (TAM)
The TAM for banking services in South Florida and its target markets is estimated to be in the billions of dollars. Amerant is positioned to capture a portion of this TAM through its focused strategy on commercial and high-net-worth clients.
Upturn SWOT Analysis
Strengths
- Strong presence in South Florida
- Relationship-focused banking model
- Experienced management team
- Solid asset quality
Weaknesses
- Geographic concentration limits diversification
- Smaller size compared to national competitors
- Reliance on interest rate spreads
- Limited brand recognition outside of core markets
Opportunities
- Expansion into new geographic markets
- Increased adoption of digital banking technologies
- Growing demand for wealth management services
- Strategic acquisitions of smaller banks
Threats
- Rising interest rates impacting loan demand
- Increased competition from fintech companies
- Economic downturn in South Florida
- Changes in regulatory requirements
Competitors and Market Share
Key Competitors
- BAC
- WFC
- C
- SNV
- FRC
Competitive Landscape
Amerant Bancorp Inc. faces intense competition from larger national banks and other regional players. Its advantages include strong local market knowledge and personalized service, while its disadvantages include smaller size and limited brand recognition.
Major Acquisitions
No recent acquisitions
- Year: 2024
- Acquisition Price (USD millions): 0
- Strategic Rationale: Focus on organic growth.
Growth Trajectory and Initiatives
Historical Growth: Amerant Bancorp Inc. has experienced steady growth in its core markets, driven by organic expansion and strategic acquisitions.
Future Projections: Future growth is projected to be driven by continued expansion in South Florida, increased adoption of digital banking, and growth in wealth management services.
Recent Initiatives: Recent initiatives include investments in digital banking platforms, expansion of wealth management services, and strategic acquisitions.
Summary
Amerant Bancorp Inc. is a regional bank with a strong presence in South Florida. Its relationship-focused banking model and experienced management team are working well. However, it faces challenges from larger national banks and fintech companies, needing to diversify its geographic reach and invest in digital technologies.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is based on estimates and may not be precise. Financial data is simulated, not real-time.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Amerant Bancorp Inc.
Exchange NYSE | Headquaters Coral Gables, FL, United States | ||
IPO Launch date 2018-08-29 | Interim CEO, Senior EVP, COO & Director Mr. Carlos Iafigliola | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 704 | Website https://www.amerantbank.com |
Full time employees 704 | Website 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. It offers checking, savings, business, and money market accounts; cash management services; and certificates of deposits. The company 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, it 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, the company provides debit and credit cards, night depositories, direct deposits, cashier's checks, safe deposit boxes, and letters of credit, as well as 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 ATM, and banking by mobile devices, telephone, and mail. It operates banking centers in Florida and Texas. 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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.