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Earnings transcript
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AMTB
Amerant Bancorp Inc.
$28.87
0.23
(0.8%)
| Exchange: | NYSE |
| Market Cap: | 1.131B |
| Shares Outstanding: | 34.92M |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Carlos Iafigliola | |||||
| Full Time Employees: | 694 | |||||
| Address: |
| |||||
| 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. The company offers checking, savings, business, and money market accounts; cash management services; and certificates of deposit. It 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, the company offers trust and estate planning products and services to high net worth customers; brokerage and investment advisory services in global capital markets; retail banking; mortgage; and wealth management and fiduciary services. Further, the company provides debit and credit cards, night depositories, direct deposits, cashier’s checks, safe deposit boxes, letters of credit, 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 also operates banking centers. 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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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 551,024 | 574,925 | 655,245 |
| Gross Profit | 267,632 | 244,833 | 375,906 |
| EBITDA | 48,170 | -17,484 | 70,767 |
| Operating Income | 41,328 | -24,084 | 66,141 |
| Net Income | 32,490 | -15,752 | 52,417 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 9,716,327 | 9,901,734 | 9,777,018 |
| Total Liabilities | 8,980,259 | 9,011,267 | 8,838,216 |
| Total Stockholders Equity | 736,068 | 890,467 | 938,802 |
| Total Debt | 921,325 | 1,004,716 | 805,957 |
| Cash and Cash Equivalents | 296,023 | 565,994 | 470,155 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 26,721 | 82,194 | 100,498 |
| Capital Expenditure | -10,933 | -7,401 | -2,534 |
| Free Cash Flow | 15,788 | 74,793 | 97,964 |
| Net Income | 30,789 | -15,752 | 51,623 |
| Net Change in Cash | 31,271 | 268,487 | 40,499 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2027 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 428,424.991 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 440,906.499 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 434,670.750 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 74,959.459 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 77,143.289 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 76,052.250 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 106,491.088 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 121,012.693 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 113,751.891 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 137,250.481 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 141,249.064 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 139,251.376 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 2.770 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 2.940 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 2.590 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 3 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 3 | Research Access | Research Access | Research Access | Research Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Asset Base and Financial Growth: Amerant Bancorp reported total assets of $10.3 billion in Q2 2025, reflecting a robust balance sheet. Revenue growth, as highlighted in the earnings call, aligns with positive trends in the banking sector, supported by consistent operating income and net income figures from recent income statements.
- Strong Liquidity Position: The company maintains a healthy current ratio and quick ratio (per Key Metrics TTM), indicating strong liquidity to cover short-term liabilities. This is further supported by significant cash and cash equivalents reported in the balance sheet.
- Operational Efficiency Initiatives: As noted in the Q2 2025 earnings call, Amerant is focusing on technology and process improvements to enhance operational efficiency, which could lead to cost savings and improved profitability over time.
- Stable Dividend Yield: The dividend yield (per Key Metrics TTM) and consistent dividend payments (per Cash Flow Statements) provide an attractive return to shareholders, positioning AMTB as a reliable income stock in the financial sector.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates AMTB intrinsic value between $30.78 – $30.99 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
[intrinsic_calculator]
Common questions about AMTB valuation
Is Amerant Bancorp Inc. (AMTB) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Amerant Bancorp Inc. (AMTB) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is AMTB a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether AMTB trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is AMTB’s P/E ratio?
You can see AMTB’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for AMTB?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is AMTB a good long-term investment?
Whether AMTB fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
AMTB
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Daily snapshot
0.8
Trading Metrics:
| Open: | 28.42 | Previous Close: | 28.64 | |
| Day Low: | 28.41 | Day High: | 28.89 | |
| Year Low: | 15.62 | Year High: | 30.6 | |
| Price Avg 50: | 27.1 | Price Avg 200: | 22.85 | |
| Volume: | 78189 | Average Volume: | 332959 |
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Login — it's freeAMTB full analysis
Welcome to MARKETSNAP’s SWOT analysis for Amerant Bancorp, also known by its ticker AMTB. If you’re a long-term investor looking to build wealth, you’re in the right place. Today, we’re diving deep into this regional banking player to uncover what makes it tick, what’s holding it back, and where it might be headed. Let’s break it down together with a full SWOT analysis, some fresh insights from recent earnings, and a look at the bigger picture for your portfolio. Grab…
