AMTB
Amerant Bancorp Inc.
Next earnings Jul 21, 2026 · consensus $0.40 EPS, $101M rev
Last earnings +1.5% on 2026-04-23
$25.42
▲ +1.84%$25.42▲ +49.44%
over 1Y
L $16.48EODHDH $25.42
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+1.8%
1W+6.8%
1M+12.6%
3M+18.8%
YTD+30.0%
1Y+49.4%
Hold
Conviction
Horizon
Medium (3–12mo)
12-mo target
$•••
Street · 10 analysts
Buy
Post-restructuring Florida community bank trading at 19.7x earnings on a normalizing book — fair, not cheap.
Diluted EPS $1.26 · FY2025
The read
Middling fundamentals offset by an attractive price (~85% below fair value) — worth a look on the value angle.
Amerant is a Coral Gables-based community bank that just executed a meaningful strategic reset. FY2025 net income recovered to $52.4M ($1.26 diluted EPS) from a $15.8M loss in FY2024, and management used the year to shed structural drag: per the MD&A, the company is winding down Amerant Mortgage (FTE cut from 77 to 3 by year-end 2025, full wind-down expected 1H 2026) and dissolving the Cayman Bank, refocusing on its 21 South Florida and 2 Tampa banking centers. That refocus is the right strategic move, and it explains the earnings snap-back — but it also means FY2025 results contain non-recurring noise from the transitions.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $113M | $63.3M | $32.5M | -$15.8M | $52.4M |
| Diluted EPS | $3.01 | $1.85 | $0.96 | -$0.44 | $1.26 |
| Net margin | — | — | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF7.9
PEG (trailing)0.05
Earnings yield5.1%
FCF yield12.6%
Quality & risk
ROIC (est.)—
Free cash flow$129M
Total debt—
Net cash$470M
Capital returns
Buyback yield3.2%
Dividend yield (est.)1.5%
Shareholder yield4.7%
Shares Δ YoY-4.0%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsRecent disclosure tone has been improving.
- 8-K Officer / director change2026-06-25
- 8-K/A Amended 8-K2026-06-17
Amendment to prior 8-K; clarifying detail, no new material info.
- S-3 Shelf registration (potential raise)2026-06-11
Shelf registration filed; capacity to issue equity/debt — potential dilution risk.
- 8-K Shareholder vote2026-06-04
Annual meeting vote results disclosed; routine governance update.
- 8-K Officer / director change2026-05-29
Officer/director change announced; leadership transition continues.
- 8-K Reg FD disclosure2026-05-26
Reg FD disclosure with exhibits; investor communication, no material change.
- 8-K Officer / director change2026-05-19
Another officer change paired with Reg FD update; ongoing management churn.
- 10-Q Quarterly report2026-05-01
Q1'26 10-Q; balance sheet stable at ~$9.8B assets, earnings momentum continues.
- 8-K Earnings results2026-04-23
Q1'26 earnings release; follow-through on FY25 rebound to $52.4M net income.
Recent filings
all on EDGAR ↗8-KPeriod ending 2026-06-242026-06-25open ↗4Period ending 2026-06-172026-06-18open ↗8-K/APeriod ending 2026-05-262026-06-17open ↗S-3ASRFiling2026-06-12open ↗RWFiling2026-06-12open ↗S-3Filing2026-06-11open ↗4Period ending 2026-06-082026-06-10open ↗4Period ending 2026-06-022026-06-04open ↗4Period ending 2026-06-022026-06-04open ↗4Period ending 2026-06-022026-06-04open ↗4Period ending 2026-06-022026-06-04open ↗4Period ending 2026-06-022026-06-04open ↗
Frequently asked
- Is Amerant Bancorp Inc. (AMTB) a buy?
- AMTB currently carries a Hold rating with 3/5 conviction, derived from its latest SEC filings. Post-restructuring Florida community bank trading at 19.7x earnings on a normalizing book — fair, not cheap.
- What is AMTB's fair value?
- A Modified-Graham model based on AMTB's SEC fundamentals estimates a fair value of about $47.06. It is an estimate from reported earnings, not a price target.
- Is AMTB overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, AMTB currently appears undervalued relative to its SEC-grounded earnings power.
- What is Amerant Bancorp Inc.'s quality score?
- AMTB scores 73.35294117647058/100 (grade B) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0001734342, latest 10-Q filed 2026-05-01) · EODHD · analysis by claude-code · as of 6/25/2026, 2:29:48 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.