Amerant Bancorp Inc. (AMTB) AI Stock Analysis

Amerant Bancorp Inc., formerly known as Mercantil Bank Holding Corporation, operates as the bank holding company for Amerant Bank, N.A. Founded in 1979 and headquartered in Coral Gables, Florida, the company provides banking products and services across Florida and Texas, with loan production offices in Tampa. Offerings include checking, savings, money market accounts, and certificates of deposit, alongside commercial real estate, residential, working capital, small business administration, and consumer loans. Amerant Bancorp also provides trust and estate planning, brokerage, investment advisory, wealth management, and treasury management solutions through online and mobile platforms.

Between FY2020 and FY2025, Amerant Bancorp produced a revenue CAGR of 14.4%. Revenue climbed from $307.8M in FY2021 to $655.2M in FY2025. Net income experienced volatility over this timeframe, dropping from $112.9M in FY2021 to a loss of -$15.8M in FY2024, before rebounding to $52.4M in FY2025 with an 8.0% net margin. For the trailing twelve months ended June 30, 2026, revenue stood at $391.3M with a profit margin of 14.4% and an operating margin of 31.7%. In the latest quarter ended June 30, 2026, quarterly revenue fell 7.9% year-over-year, while quarterly earnings declined 3.6%.

As of June 30, 2026, Amerant Bancorp held $41.0M in cash and short-term investments against $912.1M in total debt, resulting in net debt of $871.0M. Total assets stood at $10.29B and shareholders' equity was $914.4M, with a debt-to-equity ratio of 1.00. In FY2025, operating cash flow reached $100.5M and free cash flow was $98.0M. During FY2025, capital expenditures were $2.5M, while capital returns included $20.0M in share buybacks and $11.4M in dividends paid.

Amerant Bancorp trades at a trailing P/E of 20.8x, above the 12.1x median of its US-listed Financial Services peers. Its forward P/E of 11.5x also sits slightly above the peer median of 10.8x. The company's price-to-sales multiple is 2.9x compared to the peer median of 3.2x, while its price-to-book ratio is 1.2x. Over the past year, AMTB shares gained 65.9%, outperforming the S&P 500 return of 16.8%. Over a 5-year period, its 19.7% return trailed the S&P 500 return of 83.0%.

Amerant Bancorp pays an annualized forward dividend of $0.36 per share, representing a dividend yield of 1.24% as of October 16, 2026. The dividend is distributed quarterly with a payout ratio of 19.1%. The company has paid dividends for 6 consecutive years, and its last ex-dividend date was August 14, 2026.

Wall Street coverage includes 2 Buy and 2 Hold ratings. The mean price target is $31.88, which is 10.1% above the last close of $28.96. For the fiscal year ending December 31, 2026, consensus estimates project EPS of $2.19, up 26.7%, on revenue of $406.6M. For the following fiscal year, 4 analysts estimate EPS of $2.82 on revenue of $434.8M. Amerant Bancorp beat EPS estimates in 2 of the past 4 quarters, with its next earnings report scheduled for October 22, 2026.

This page is an AI-written research summary of Amerant Bancorp Inc. (AMTB). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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