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AMTB 
Amerant Bancorp Inc. (AMTB)
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Upturn Advisory Summary
12/24/2025: 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 $21.5
1 Year Target Price $21.5
| 1 | Strong Buy |
| 1 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -39.16% | 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 12/24/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 853.33M USD | Price to earnings Ratio 11.72 | 1Y Target Price 21.5 |
Price to earnings Ratio 11.72 | 1Y Target Price 21.5 | ||
Volume (30-day avg) 5 | Beta 1.02 | 52 Weeks Range 15.54 - 23.96 | Updated Date 12/23/2025 |
52 Weeks Range 15.54 - 23.96 | Updated Date 12/23/2025 | ||
Dividends yield (FY) 1.77% | 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 11.72 | Forward PE 11.45 | Enterprise Value 1121299840 | Price to Sales(TTM) 2.2 |
Enterprise Value 1121299840 | Price to Sales(TTM) 2.2 | ||
Enterprise Value to Revenue 4.64 | Enterprise Value to EBITDA - | Shares Outstanding 41952590 | Shares Floating 37432281 |
Shares Outstanding 41952590 | Shares Floating 37432281 | ||
Percent Insiders 1.47 | Percent Institutions 69.86 |
Upturn AI SWOT
Amerant Bancorp Inc.
Company Overview
History and Background
Amerant Bancorp Inc. (AMBT) was founded in 1971 as BankUnited. In 2019, the company rebranded as Amerant Bancorp Inc. following a strategic shift to focus on community banking and personalized service in its key markets. It has grown through organic expansion and strategic acquisitions, aiming to serve a diverse client base with a strong emphasis on digital innovation and customer experience.
Core Business Areas
- Community Banking: Provides a full range of banking products and services to individuals, small businesses, and middle-market companies. This includes checking and savings accounts, money market accounts, certificates of deposit, commercial loans, residential mortgages, and construction loans.
- Wealth Management: Offers investment and wealth management services through its subsidiary, Amerant Investments, Inc. Services include financial planning, investment advisory, trust services, and brokerage.
- Treasury and International Banking: Specializes in providing treasury management solutions, including cash management, liquidity management, and international trade finance services to businesses with cross-border operations.
Leadership and Structure
Amerant Bancorp Inc. is led by a seasoned management team with extensive experience in the financial services industry. The company operates through a network of branches primarily in Florida and Texas, with a corporate headquarters in Coral Gables, Florida. The organizational structure emphasizes a client-centric approach across its banking and wealth management divisions.
Top Products and Market Share
Key Offerings
- Commercial and Industrial (C&I) Loans: A significant driver of interest income, offering financing solutions to businesses for working capital, equipment purchases, and expansion. Key competitors include large national banks (e.g., JPMorgan Chase, Bank of America) and regional banks operating in its service areas.
- Residential Mortgages: Provides a range of mortgage products for home purchases and refinancing. Competitors include national mortgage lenders (e.g., Rocket Mortgage, loanDepot) and other regional banks and credit unions.
- Deposit Accounts: Offers various checking, savings, and money market accounts designed to attract and retain customer funds, forming the base for its lending activities. Competitors include all financial institutions offering deposit products.
- Treasury Management Services: A suite of services for businesses to manage their cash flow, payments, and collections efficiently. Competitors include larger banks with more robust treasury platforms and specialized fintech solutions.
Market Dynamics
Industry Overview
The US banking industry is highly competitive, characterized by a mix of large national banks, regional banks, community banks, and credit unions. Key trends include the increasing importance of digital banking, a focus on personalized customer service, and evolving regulatory landscapes. Interest rate environments significantly impact profitability.
Positioning
Amerant Bancorp Inc. positions itself as a community-focused bank with a strong emphasis on personalized service and innovative digital solutions. Its competitive advantages include its deep understanding of its local markets in Florida and Texas, a strong relationship-based banking model, and a growing digital platform. It aims to be a significant player in its chosen markets by offering a comprehensive suite of products and services.
Total Addressable Market (TAM)
The TAM for banking services in the US is in the trillions of dollars, encompassing deposits, loans, wealth management, and other financial services. Amerant Bancorp Inc. targets specific segments within this TAM, primarily within its geographic footprint in Florida and Texas, and aims to capture a significant share of the community and middle-market business segments. Its position is that of a growing regional bank seeking to expand its market share within its operational areas.
Upturn SWOT Analysis
Strengths
- Strong presence in growing Florida and Texas markets.
- Focus on personalized customer service and relationship banking.
- Investment in digital banking capabilities.
- Experienced management team.
- Diversified revenue streams from lending and wealth management.
Weaknesses
- Smaller scale compared to national and large regional banks.
- Reliance on interest rate spreads for profitability.
- Potential challenges in attracting and retaining top talent.
- Limited geographic diversification beyond core states.
Opportunities
- Continued economic growth in Florida and Texas.
- Expansion of digital offerings to attract younger demographics.
- Strategic acquisitions to expand market reach or product capabilities.
- Leveraging data analytics for personalized product offerings.
- Growth in wealth management services.
Threats
- Intensifying competition from traditional banks and fintechs.
- Rising interest rate environment could impact loan demand and asset quality.
- Cybersecurity risks and data breaches.
- Regulatory changes and compliance costs.
- Economic downturns impacting loan performance.
Competitors and Market Share
Key Competitors
- Banc of California, Inc. (BANC)
- Glory Star Enterprise Inc. (GSUR)
- First Horizon Corporation (FHN)
Competitive Landscape
Amerant Bancorp Inc. competes in a crowded market. Its advantages lie in its personalized service and focus on specific regional growth markets. However, it faces challenges from larger banks with greater resources, broader geographic reach, and more established brand recognition. Fintech companies also pose a growing competitive threat with their digital-first offerings.
Growth Trajectory and Initiatives
Historical Growth: Amerant Bancorp Inc. has demonstrated a growth trajectory driven by its expansion in key Florida and Texas markets. This growth is often fueled by organic expansion, strategic hires, and potentially acquisitions that broaden its reach and service offerings. Revenue and asset growth are key indicators.
Future Projections: Future growth projections for Amerant Bancorp Inc. are typically influenced by analyst estimates based on economic forecasts, industry trends, and the company's strategic plans. Projections often focus on loan and deposit growth, net interest margin stability, and the expansion of fee-based income. Specific analyst projections would need to be sourced from financial data providers.
Recent Initiatives: Recent initiatives likely focus on enhancing digital banking platforms, expanding product offerings in wealth management and treasury services, optimizing branch networks, and potentially pursuing targeted acquisitions to strengthen its market position or enter new attractive geographies.
Summary
Amerant Bancorp Inc. is a regional bank with a solid foundation in growing markets, emphasizing customer relationships and digital advancement. Its strengths lie in its market presence and service model, while opportunities for growth exist in expanding its digital offerings and potentially through strategic acquisitions. However, it must navigate intense competition and evolving economic conditions. Careful management of interest rate risk and cybersecurity are crucial.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Financial news and data providers (e.g., Bloomberg, Refinitiv)
- Industry analysis reports
Disclaimers:
This JSON output is for informational purposes only and does not constitute financial advice. The information provided is based on publicly available data and is subject to change. Investors should conduct their own due diligence before making any investment decisions.
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 & 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.
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