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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
10/15/2025: 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 $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 -41.6% | 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 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 799.20M 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 1.29 | 52 Weeks Range 16.06 - 25.90 | Updated Date 10/14/2025 |
52 Weeks Range 16.06 - 25.90 | Updated Date 10/14/2025 | ||
Dividends yield (FY) 1.94% | Basic EPS (TTM) -0.07 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date 2025-10-23 | When Before Market | Estimate 0.51 | 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 1014544128 | Price to Sales(TTM) 2.62 |
Enterprise Value 1014544128 | Price to Sales(TTM) 2.62 | ||
Enterprise Value to Revenue 5.31 | Enterprise Value to EBITDA - | Shares Outstanding 41952590 | Shares Floating 37918213 |
Shares Outstanding 41952590 | Shares Floating 37918213 | ||
Percent Insiders 1.44 | Percent Institutions 70.56 |
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 Venezuelan community in South Florida, it has since expanded its services and target market to become a diversified financial institution. In 2018, the company rebranded as Amerant Bank.
Core Business Areas
- Commercial Banking: Offers a range of lending and deposit products, treasury management services, and international banking solutions to businesses of all sizes.
- Wealth Management: Provides investment management, financial planning, and trust services to high-net-worth individuals and families.
- Retail Banking: Offers traditional banking services, including checking and savings accounts, mortgages, and personal loans to individuals.
Leadership and Structure
The leadership team includes Jerry Plush (Chairman and CEO). The organizational structure is typical of a regional bank holding company, with various departments reporting to the executive management team.
Top Products and Market Share
Key Offerings
- Commercial Loans: A portfolio of loans provided to commercial clients. Market share data for specific loan types is not readily available. Competitors include Bank of America, Truist, and regional banks.
- Residential Mortgages: Mortgages for purchasing real estate. Market share varies by region and mortgage type. Competitors include Wells Fargo, Chase, and other mortgage lenders.
- Wealth Management Services: Investment management and financial planning services. Market share is competitive. Competitors include Merrill Lynch, Morgan Stanley, and independent wealth managers.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, technological disruption, and regulatory scrutiny. Consolidation among smaller banks is ongoing.
Positioning
Amerant Bancorp Inc. is positioned as a regional bank with a strong presence in South Florida. Its competitive advantages include its established customer base and diversified service offerings.
Total Addressable Market (TAM)
The TAM for banking services is substantial. Amerant Bancorp Inc. is targeting specific segments within the broader market, particularly commercial and high-net-worth clients. Exact TAM size depends on the market definition.
Upturn SWOT Analysis
Strengths
- Strong presence in South Florida
- Diversified revenue streams
- Experienced management team
- Strong capital position
Weaknesses
- Geographic concentration
- Limited brand recognition outside of South Florida
- Reliance on net interest income
- Higher cost structure than larger competitors
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Acquisitions of smaller banks
- Growth in wealth management
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- BOH (Bancorp Hawaii)
- CFR (Cullen/Frost Bankers)
- FCNCA (First Citizens BancShares)
Competitive Landscape
Amerant Bancorp Inc. faces competition from larger national banks, regional banks, and fintech companies. The bank's ability to differentiate itself through personalized service and local expertise is crucial for maintaining its competitive edge.
Major Acquisitions
No recent major acquisitions
- Year:
- Acquisition Price (USD millions):
- Strategic Rationale: N/A
Growth Trajectory and Initiatives
Historical Growth: Amerant Bancorp Inc. has grown organically and through strategic acquisitions. The historical growth has been steady.
Future Projections: Analyst projections for Amerant Bancorp Inc.'s future growth vary. Some analysts predict continued moderate growth.
Recent Initiatives: Recent initiatives include investments in digital banking technology and expansion into new business lines.
Summary
Amerant Bancorp Inc. is a regional bank with a solid presence in South Florida. Its diversified business model and strong capital position are positive factors. However, geographic concentration and competition pose challenges, requiring strategic investments in technology and market expansion.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Analyst reports
- Market data providers
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Investment decisions should be based on thorough research and consultation with a financial advisor.
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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