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Upturn AI SWOT - About
AMTB 
Amerant Bancorp Inc. (AMTB)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
09/12/2025: AMTB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $23.25
1 Year Target Price $23.25
| 1 | Strong Buy |
| 1 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -36.35% | Avg. Invested days 25 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/12/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 883.94M USD | Price to earnings Ratio - | 1Y Target Price 23.25 |
Price to earnings Ratio - | 1Y Target Price 23.25 | ||
Volume (30-day avg) 5 | Beta 1.42 | 52 Weeks Range 16.06 - 25.90 | Updated Date 09/14/2025 |
52 Weeks Range 16.06 - 25.90 | Updated Date 09/14/2025 | ||
Dividends yield (FY) 1.69% | Basic EPS (TTM) -0.07 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 1.2% | Operating Margin (TTM) 31.95% |
Management Effectiveness
Return on Assets (TTM) 0.04% | Return on Equity (TTM) 0.44% |
Valuation
Trailing PE - | Forward PE 11.45 | Enterprise Value 1098804992 | Price to Sales(TTM) 2.89 |
Enterprise Value 1098804992 | Price to Sales(TTM) 2.89 | ||
Enterprise Value to Revenue 5.61 | Enterprise Value to EBITDA - | Shares Outstanding 41952600 | Shares Floating 37918213 |
Shares Outstanding 41952600 | Shares Floating 37918213 | ||
Percent Insiders 1.44 | Percent Institutions 70.58 |
Upturn AI SWOT
Amerant Bancorp Inc.
Company Overview
History and Background
Amerant Bancorp Inc., formerly Mercantil Bank Holding Corporation, was founded in 1979. Initially focused on serving the Hispanic community in South Florida, it has grown into a diversified financial services provider. It rebranded as Amerant in 2018, reflecting its broader market focus.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit services to businesses, including commercial real estate financing, working capital loans, and trade finance.
- Retail Banking: Offers deposit accounts, personal loans, mortgages, and wealth management services to individual customers.
- Wealth Management: Provides 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. The organizational structure consists of various divisions, including commercial banking, retail banking, wealth management, and operations, each led by experienced executives.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial real estate projects. Market share data specific to Amerant is difficult to obtain, but the CRE lending market is highly competitive with large national and regional banks like Bank of America (BAC) and Wells Fargo (WFC).
- Deposit Accounts: Offers checking, savings, and money market accounts for individuals and businesses. Competitors include Chase (JPM), Bank of America (BAC), and regional banks.
- Wealth Management Services: Provides investment advisory and wealth planning services. Competitors include Morgan Stanley (MS) and Goldman Sachs (GS).
Market Dynamics
Industry Overview
The banking industry is currently facing headwinds from rising interest rates, potential economic slowdown, and increasing regulatory scrutiny. Consolidation is also a continuing trend.
Positioning
Amerant positions itself as a relationship-focused bank offering personalized service and tailored solutions. It competes with larger national banks and smaller community banks.
Total Addressable Market (TAM)
The TAM for banking services in the US is enormous, valued in the trillions of dollars. Amerant holds a small fraction of the TAM, and focuses on the South Florida market, and other strategic markets.
Upturn SWOT Analysis
Strengths
- Strong presence in South Florida
- Experienced management team
- Relationship-focused banking approach
- Diversified product offerings
Weaknesses
- Smaller scale compared to national banks
- Geographic concentration in South Florida
- Higher cost of deposits than larger banks
- Reliance on commercial real estate lending.
Opportunities
- Expansion into new markets
- Growth in wealth management business
- Increased adoption of digital banking
- Acquisitions of smaller banks
Threats
- Rising interest rates
- Economic recession
- Increased competition from fintech companies
- Regulatory changes
Competitors and Market Share
Key Competitors
- BAC
- WFC
- JPM
- KEY
Competitive Landscape
Amerant is much smaller than the national banks and some larger regional ones, leading to advantages such as personalized client service. However, these large competitors have significantly more available capital.
Major Acquisitions
No recent major acquisitions to report
- Year: 2024
- Acquisition Price (USD millions): 0
- Strategic Rationale: N/A
Growth Trajectory and Initiatives
Historical Growth: Analyze Amerant Bancorp Inc.'s historical growth in terms of revenue, assets, and market capitalization. Examine the factors that have driven its growth.
Future Projections: Obtain analyst estimates for Amerant Bancorp Inc.'s future revenue, earnings, and growth rates from reputable financial websites. Provide a range of possible outcomes.
Recent Initiatives: Highlight recent acquisitions, branch expansions, digital banking initiatives, or new product launches undertaken by Amerant Bancorp Inc..
Summary
Amerant Bancorp Inc. is a regional bank with a strong presence in South Florida. It is working to expand its market footprint. However, it faces challenges from larger competitors and economic uncertainty. Recent initiatives aimed at improving digital banking and client experience position it for future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC filings (10-K, 10-Q)
- Company Investor Relations
- Yahoo Finance
- Analyst Reports (FactSet, S&P Capital IQ - accessed through subscription services)
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share data are estimates and may vary depending on the source. Financial data should be verified with the company's official SEC filings.
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 | Chairman, President & CEO Mr. Gerald Paul Plush C.M.A., CPA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 692 | Website https://www.amerantbank.com |
Full time employees 692 | 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.
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