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Earnings transcript
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AMTB
Amerant Bancorp Inc.
$23.32
0.45
(1.97%)
| Exchange: | NYSE |
| Market Cap: | 917.755M |
| Shares Outstanding: | 34.92M |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Carlos Iafigliola | |||||
| Full Time Employees: | 77 | |||||
| Address: |
| |||||
| Website: | https://www.amerantbank.com |
Amerant Bancorp Inc. functions as the parent entity for Amerant Bank, N.A., delivering a comprehensive array of banking and financial solutions to both individual consumers and corporate clients. The bank operates domestically within the United States and extends its reach to international markets. For deposit needs, the bank offers standard checking, savings, and money market accounts, alongside certificates of deposit. Its diverse lending portfolio includes variable and fixed-rate commercial real estate loans, financing for owner-occupied properties, and personal loans for both domestic and international clients, frequently secured by their residences. For businesses, Amerant provides working capital, asset-based lending, participation in shared national credits, purchased receivables, and Small Business Administration (SBA) loans. It also extends credit facilities to other financial institutions and issues acceptances. On the consumer side, offerings encompass vehicle and personal loans, lines of credit secured by cash or other assets, and revolving credit card options. The firm further offers specialized wealth management and advisory services, including trust and estate planning for high-net-worth individuals, alongside brokerage and investment guidance in global capital markets. Standard banking conveniences such as debit and credit cards, night depositories, direct deposits, cashier’s checks, safe deposit boxes, and letters of credit are also available. Its treasury management suite features services like wire transfers, remote deposit capture, and automated clearinghouse (ACH) processing. Digital banking is a core focus, with online and mobile platforms enabling customers to monitor balances, access statements, transfer funds, pay bills, and receive electronic statement deliveries. Customers can additionally access services through automated teller machines (ATMs), mobile devices, telephone, and traditional mail. As of the close of 2021, the company maintained 24 banking centers, consisting of 17 in Florida and 7 in Texas, complemented by a loan production office in Tampa, Florida. Founded in 1979 and headquartered in Coral Gables, Florida, the entity adopted its current name, Amerant Bancorp Inc., in June 2019, having previously operated as Mercantil Bank Holding Corporation.
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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 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 407,529.313 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 423,751.686 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 415,640.500 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 71,303.443 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 74,141.794 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 72,722.618 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 78,186.905 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 96,704.931 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 82,258.500 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 130,556.330 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 135,753.338 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 133,154.834 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 2.130 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 2.350 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 1.900 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 3 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 3 | Full Access | Full Access | Full Access | Full 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
1.97
Trading Metrics:
| Open: | 23.1 | Previous Close: | 22.87 | |
| Day Low: | 22.97 | Day High: | 23.7 | |
| Year Low: | 15.62 | Year High: | 24.38 | |
| Price Avg 50: | 22.94 | Price Avg 200: | 20.83 | |
| Volume: | 158949 | Average Volume: | 259034 |
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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…
