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Upturn AI Summary - About
Amerant Bancorp Inc.(AMTB)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for AMTB
10/20/2026: AMTB (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Amerant Bancorp Inc. is a regional bank holding company focused on providing commercial, retail, and wealth management services across Florida and Texas. The company's primary strength lies in its personalized, relationship-based business model and its presence in high-growth U.S. markets. Its main growth opportunity involves scaling its wealth management division and digital offerings to diversify revenue. However, the bank faces risks related to intense competition from larger financial institutions, interest rate volatility, and geographic concentration. For investors, AMTB may suit those seeking exposure to regional banking growth with a focus on value and income, though monitoring operational efficiency and interest margin trends remains essential.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is moderate and tied to regional economic trends rather than rapid scaling. |
| Momentum investor | Mixed fit | This style is conditional on a sustained upturn in the regional banking sector and positive chart momentum. |
| Value investor | Strong fit | Valuation levels often reflect traditional banking book value metrics, making it attractive for value-oriented portfolios. |
| Dividend investor | Strong fit | Consistent dividend payouts make it a viable option for income-focused investors. |
| Low-risk investor | Mixed fit | Regional banking stocks carry inherent interest rate and credit cycle risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Bank stocks are sensitive to macroeconomic shifts and rate changes. |
| Valuation risk | Medium | Market sentiment toward regional banks can cause valuation swings. |
| Competition risk (Banking) | High | Intense competition from large national banks limits pricing power. |
| Business quality | Medium | The firm has a solid, established footprint but lacks the massive scale of larger peers. |
| Dividend income | Medium | Payout sustainability is tied to earnings and regulatory capital requirements. |
| Execution risk | Medium | Successful expansion in Texas and Florida requires disciplined lending practices. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -7.14% | Avg. Invested days 40 | Today’s Advisory WEAK BUY |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/20/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.12B USD | Price to earnings Ratio 20.5 | 1Y Target Price 31.88 |
Price to earnings Ratio 20.5 | 1Y Target Price 31.88 | ||
Volume (30-day avg) 360.5K shares | Beta 0.81 | 52 Weeks Range 15.37 - 30.51 | Updated Date 10/19/2026 |
52 Weeks Range 15.37 - 30.51 | Updated Date 10/19/2026 | ||
Dividends yield (FY) 1.24% | Basic EPS (TTM) 1.39 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits. | The bank profits primarily from the difference between what it earns on loans and pays on deposits. |
| Non-Interest Income | Service fees, wealth management fees, and transaction charges. | Additional revenue comes from fees charged for trust services and banking transactions. |
| Geography: Florida/Texas | Banking and lending activities concentrated in these two states. | The bank's success is heavily tied to the economic health and growth of its specific geographic markets. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-22 | When After Market | Estimate 0.57 | Actual - |
Profitability
Profit Margin 14.41% | Operating Margin (TTM) 31.68% |
Management Effectiveness
Return on Assets (TTM) 0.55% | Return on Equity (TTM) 6.13% |
Valuation
Trailing PE 20.5 | Forward PE 11.45 | Enterprise Value 1.73B | Price to Sales(TTM) 2.85 |
Enterprise Value 1.73B | Price to Sales(TTM) 2.85 | ||
Enterprise Value to Revenue 5.15 | Enterprise Value to EBITDA - | Shares Outstanding 39.19M | Shares Floating 35.25M |
Shares Outstanding 39.19M | Shares Floating 35.25M | ||
Percent Insiders 3.42 | Percent Institutions 71.84 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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