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Upturn AI SWOT - About
AMTB 
Amerant Bancorp Inc. (AMTB)
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Upturn Advisory Summary
08/28/2025: 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 -35.05% | Avg. Invested days 23 | 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 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 901.98M 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 1.37 | 52 Weeks Range 16.06 - 25.90 | Updated Date 08/28/2025 |
52 Weeks Range 16.06 - 25.90 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 1.68% | 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 1116741632 | Price to Sales(TTM) 2.95 |
Enterprise Value 1116741632 | Price to Sales(TTM) 2.95 | ||
Enterprise Value to Revenue 5.65 | Enterprise Value to EBITDA - | Shares Outstanding 41952600 | Shares Floating 37918213 |
Shares Outstanding 41952600 | Shares Floating 37918213 | ||
Percent Insiders 1.34 | Percent Institutions 65.55 |
Upturn AI SWOT
Amerant Bancorp Inc.
Company Overview
History and Background
Amerant Bancorp Inc., formerly Mercantil Bank Holding Corporation, traces its roots back to Mercantil Commercebank, N.A., founded in 1979. It rebranded as Amerant in 2018 to reflect its focus on serving the U.S. market.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit products to businesses, including commercial real estate financing, equipment loans, and working capital lines of credit.
- Retail Banking: Offers personal banking services, including checking and savings accounts, mortgages, and credit cards.
- Wealth Management: Provides wealth management, trust, and brokerage services to high-net-worth individuals and families.
Leadership and Structure
The leadership team includes Jerry Plush as Chairman and CEO. The organizational structure is typical of a regional bank, with divisions for commercial banking, retail banking, wealth management, and support functions.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Financing for commercial real estate projects. Market share data is difficult to pinpoint exactly due to regional variations. Competitors include large national banks like Bank of America and Wells Fargo, as well as other regional banks.
- Mortgages: Residential mortgage loans. The mortgage market is highly competitive, with numerous national and regional players. Competitors include Rocket Mortgage, United Wholesale Mortgage, and other local and regional banks.
- Deposit Accounts: Checking, savings, and money market accounts. Highly competitive market. Competitors include Bank of America, Chase, Wells Fargo, and numerous online banks.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges including rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Consolidation is ongoing within the industry.
Positioning
Amerant is a regional bank focused on serving businesses and individuals in South Florida, Texas and strategically in other locations across the US. Its competitive advantages include local market knowledge and personalized service.
Total Addressable Market (TAM)
The TAM for banking services in Amerant's operating regions is estimated to be in the billions of dollars. Amerant is positioned to capture a portion of this TAM through its branch network, digital channels, and relationship-based banking approach.
Upturn SWOT Analysis
Strengths
- Strong presence in South Florida
- Experienced management team
- Relationship-focused banking approach
- Solid capital base
Weaknesses
- Geographic concentration in Florida and Texas
- Smaller size compared to national banks
- Limited brand recognition outside of core markets
- Dependence on interest rate spreads
Opportunities
- Expansion into new markets
- Growth in wealth management business
- Increased adoption of digital banking
- Acquisitions of smaller banks
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn in Florida or Texas
- Increased regulatory scrutiny
Competitors and Market Share
Key Competitors
- BOH
- CADE
- FCNCA
Competitive Landscape
Amerant competes with larger national banks and other regional banks for customers. Its advantages include local market knowledge and personalized service. Its disadvantages include smaller size and limited brand recognition.
Growth Trajectory and Initiatives
Historical Growth: Amerant's growth has been driven by organic expansion and strategic acquisitions.
Future Projections: Analyst estimates suggest moderate growth in the coming years, driven by expansion into new markets and growth in its core business lines.
Recent Initiatives: Recent initiatives may include branch openings, investments in digital banking technology, and acquisitions of other financial institutions.
Summary
Amerant Bancorp is a regional bank with a solid presence in Florida and Texas. Its strengths include a relationship-focused banking approach and a strong capital base. Challenges include geographic concentration and competition from larger banks and fintech companies. Growth opportunities lie in expanding into new markets and growing its wealth management business.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q), Investor Presentations, Analyst Reports, and News Articles
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on your own research and due diligence.
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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