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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
07/03/2025: 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 $22
1 Year Target Price $22
| 1 | Strong Buy |
| 1 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -40.94% | Avg. Invested days 19 | 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 07/03/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 823.95M USD | Price to earnings Ratio - | 1Y Target Price 22 |
Price to earnings Ratio - | 1Y Target Price 22 | ||
Volume (30-day avg) 5 | Beta 1.31 | 52 Weeks Range 16.13 - 26.54 | Updated Date 07/3/2025 |
52 Weeks Range 16.13 - 26.54 | Updated Date 07/3/2025 | ||
Dividends yield (FY) 1.97% | Basic EPS (TTM) -0.48 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -5.12% | Operating Margin (TTM) 21.65% |
Management Effectiveness
Return on Assets (TTM) -0.14% | Return on Equity (TTM) -1.75% |
Valuation
Trailing PE - | Forward PE 11.45 | Enterprise Value 1106326400 | Price to Sales(TTM) 2.94 |
Enterprise Value 1106326400 | Price to Sales(TTM) 2.94 | ||
Enterprise Value to Revenue 5.61 | Enterprise Value to EBITDA - | Shares Outstanding 41952600 | Shares Floating 38002642 |
Shares Outstanding 41952600 | Shares Floating 38002642 | ||
Percent Insiders 1.45 | Percent Institutions 73.08 |
Upturn AI SWOT
Amerant Bancorp Inc.
Company Overview
History and Background
Amerant Bancorp Inc., formerly Mercantil Bank Holding Corporation, was founded in 1979. It originated as a subsidiary of a Venezuelan financial group and has evolved into an independent, publicly traded U.S. bank holding company. It rebranded to Amerant in 2018.
Core Business Areas
- Commercial Banking: Provides a range of commercial banking services, including loans, deposits, and treasury management services to businesses.
- Wealth Management: Offers wealth management solutions, including investment advisory, brokerage, and trust services to high-net-worth individuals and families.
- Retail Banking: Provides personal banking services, including checking accounts, savings accounts, mortgages, and other consumer loans.
Leadership and Structure
The leadership team is headed by the CEO, Steven F. Carcache. The organizational structure consists of various departments and divisions responsible for different aspects of the bank's operations, including commercial banking, wealth management, retail banking, and corporate functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans represent a core product, offering financing for various business purposes. Market share is difficult to ascertain precisely but Amerant competes regionally in Florida. Competitors include Truist, Bank of America, and regional players like Seacoast Banking Corporation of Florida.
- Wealth Management Services: Provides advisory and brokerage services to high-net-worth clients. Market share data is fragmented, as the wealth management industry is highly competitive. Competitors include major brokerage firms like Morgan Stanley, Merrill Lynch, and regional wealth management firms.
- Residential Mortgages: Provides mortgage financing to individuals. Market share is moderate, concentrated within their regional footprint. Competitors include major national mortgage lenders like Rocket Mortgage and local banks.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, regulatory scrutiny, and competition from fintech companies. Economic conditions and credit quality are also key factors.
Positioning
Amerant Bancorp Inc. is a regional bank operating primarily in South Florida. Its competitive advantages include strong local market knowledge, personalized service, and a focus on both commercial and retail banking.
Total Addressable Market (TAM)
The total addressable market for banking services in South Florida and surrounding areas is estimated to be in the billions of dollars. Amerant is positioned to capture a segment of this TAM through its focus on commercial banking, wealth management, and retail services.
Upturn SWOT Analysis
Strengths
- Strong presence in South Florida
- Diversified revenue streams (commercial banking, wealth management, retail banking)
- Experienced management team
- Strong capital position
Weaknesses
- Geographic concentration (South Florida)
- Smaller size compared to national banks
- Limited brand recognition outside of Florida
- Susceptible to regional economic downturns
Opportunities
- Expansion into new markets (e.g., other parts of Florida, Texas)
- Increased adoption of digital banking solutions
- Acquisitions of smaller banks or wealth management firms
- Growth in wealth management business due to demographic trends
Threats
- Increased competition from national banks and fintech companies
- Rising interest rates and inflation
- Economic downturns in South Florida
- Regulatory changes
Competitors and Market Share
Key Competitors
- BAC
- WFC
- C
- FITB
- KEY
Competitive Landscape
Amerant has the advantage of local knowledge and close customer relationships, but faces the disadvantage of being smaller in size. This requires them to focus on niche markets.
Growth Trajectory and Initiatives
Historical Growth: Amerant Bancorp Inc.'s historical growth has been driven by organic growth and strategic acquisitions. The company has expanded its presence in South Florida and diversified its revenue streams.
Future Projections: Future growth projections depend on various factors, including economic conditions, interest rates, and the company's ability to execute its strategic initiatives. Analyst estimates suggest continued growth in revenue and earnings.
Recent Initiatives: Recent strategic initiatives include investments in digital banking technology, expansion of wealth management services, and efforts to improve operational efficiency.
Summary
Amerant Bancorp Inc. is a regional bank focused on South Florida, showing moderate strength due to its diversified services and local market knowledge. The geographic concentration is a weakness, making it susceptible to regional downturns. It is important to watch its competitors and keep up with Fintech companies.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, Market research reports, Analyst estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise.
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 77 | Website https://www.amerantbank.com |
Full time employees 77 | 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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