Amerant Bancorp Inc. (AMTB) Key Metrics
AMTB valuation today
Trailing 12 months · as of October 17, 2026- Market cap
- $1.13B
- Enterprise value
- $1.75B
- P/E (TTM)
- 20.8 10-yr median 14.9
- Forward P/E
- 11.5
- PEG ratio
- —
- Price / sales
- 2.9 10-yr median 1.7
- Price / book
- 1.2 10-yr median 1.0
- EV / EBITDA
- — 10-yr median 8.8
- Dividend yield
- 1.24% $0.36 a year
- Beta
- 0.81
AMTB key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsAMTB valuation Price multiples at each fiscal year-end price.
AMTB returns How much profit the business earns on the capital it uses.
AMTB per-share figures Results divided by the shares outstanding at year-end.
AMTB financial health Debt, liquidity and how easily interest is covered.
AMTB efficiency & capital use Working capital cycle and where the cash goes.
AMTB valuation history
AMTB returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
AMTB debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
AMTB cash returned to shareholders
AMTB price vs earnings per share
AMTB key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $801.9M | $801.3M | $827.4M | $916.4M | $1.30B | $634.4M | $935.6M | $552.8M | — | — |
| Enterprise value | −$652.3M | −$197.2M | $1.70B | $809.6M | $779.7M | $600.9M | $572.8M | $165.1M | — | — |
| P/E ratio | 15.3 | — | 25.5 | 14.5 | 11.5 | — | 18.2 | 12.1 | — | — |
| Price / sales | 1.2 | 1.4 | 1.5 | 2.4 | 4.2 | 1.9 | 2.5 | 1.5 | — | — |
| Price / book | 0.9 | 0.9 | 0.8 | 1.3 | 1.4 | 1.1 | 1.1 | 0.7 | — | — |
| Price / free cash flow | 8.2 | 10.7 | 52.4 | — | 21.3 | 12.3 | 14.6 | 10.6 | — | — |
| Price / operating cash flow | 8.0 | 9.7 | 31.0 | — | 19.2 | 11.1 | 11.9 | 8.9 | — | — |
| EV / sales | -1.0 | -0.3 | 3.1 | 2.1 | 2.5 | 1.8 | 1.5 | 0.5 | — | — |
| EV / EBITDA | — | — | 35.2 | 9.6 | 5.2 | 119.0 | 8.1 | 2.5 | — | — |
| EV / free cash flow | — | — | 107.4 | — | 12.8 | 11.6 | 8.9 | 3.2 | — | — |
| Earnings yield | 6.5% | −2.0% | 3.9% | 6.9% | 8.7% | −0.3% | 5.5% | 8.3% | — | — |
| Free cash flow yield | 12.2% | 9.3% | 1.9% | −6.5% | 4.7% | 8.1% | 6.9% | 9.4% | — | — |
| Dividend yield | 1.4% | 1.6% | 1.5% | 1.3% | 0.9% | 1.9% | 161.6% | 7.2% | — | — |
| Shareholder yield (dividends + buybacks) | 3.9% | 2.5% | 2.1% | 9.3% | 4.6% | 13.0% | 164.8% | 10.5% | — | — |
| Share price at fiscal year-end | $19.51 | $22.41 | $24.57 | $26.84 | $34.55 | $15.20 | $21.79 | $13.01 | — | — |
| Per share | ||||||||||
| Revenue per share | $15.94 | $16.08 | $16.36 | $11.34 | $8.20 | $8.00 | $8.64 | $8.53 | $9.87 | $8.60 |
| Earnings per share | $1.28 | −$0.44 | $0.96 | $1.85 | $3.01 | −$0.04 | $1.20 | $1.08 | $1.23 | $0.68 |
| Operating cash flow per share | $2.45 | $2.30 | $0.79 | −$1.44 | $1.80 | $1.37 | $1.83 | $1.46 | $2.10 | $2.16 |
| Free cash flow per share | $2.38 | $2.09 | $0.47 | −$1.75 | $1.62 | $1.24 | $1.49 | $1.23 | $1.85 | $1.91 |
| Cash per share | $60.70 | $56.02 | $1.58 | $38.25 | $38.63 | $34.49 | $39.36 | $39.35 | $52.71 | $64.67 |
| Book value per share | $22.84 | $24.90 | $29.84 | $20.67 | $24.02 | $13.84 | $19.68 | $17.59 | $21.58 | $20.18 |
| Tangible book value per share | $22.37 | $24.37 | $29.27 | $20.10 | $23.50 | $13.37 | $19.22 | $17.14 | $21.03 | $19.63 |
| Dividends per share | $0.28 | $0.36 | $0.36 | $0.36 | $0.33 | $0.29 | $35.21 | $0.94 | — | $0.00 |
| Capex per share | $0.06 | $0.21 | $0.32 | $0.31 | $0.18 | $0.13 | $0.33 | $0.24 | $0.25 | $0.24 |
| Debt per share | $25.32 | $28.10 | $27.36 | $35.13 | $24.85 | $33.69 | $30.91 | $30.22 | $36.97 | $31.48 |
| Shares outstanding | 41.1M | 35.8M | 33.7M | 34.1M | 37.5M | 41.7M | 42.9M | 42.5M | 34.9M | 34.9M |
| Change in shares outstanding | +15.0% | +6.2% | −1.4% | −9.0% | −10.1% | −2.8% | +1.1% | +21.7% | 0.0% | 0.0% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 5.7% | −1.7% | 3.8% | 7.9% | 15.3% | −0.2% | 6.4% | 6.1% | 5.9% | 3.3% |
| Return on invested capital (ROIC) | — | — | 2.5% | 12.6% | 23.8% | −0.7% | 12.2% | 16.3% | — | — |
| Return on assets (ROA) | 0.5% | −0.2% | 0.3% | 0.8% | 1.5% | −0.0% | 0.6% | 0.6% | 0.5% | 0.3% |
| Return on tangible assets | 0.5% | −0.2% | 0.3% | 0.7% | 1.5% | −0.0% | 0.6% | 0.6% | 0.5% | 0.3% |
| Free cash flow margin | 15.0% | 13.0% | 2.9% | −15.4% | 19.8% | 15.5% | 17.3% | 14.4% | 18.8% | 22.2% |
| Income quality (OCF / net income) | 1.92 | — | 0.82 | −0.78 | 0.60 | — | 1.53 | 1.36 | 1.70 | 3.19 |
| Financial health | ||||||||||
| Total debt | $1.04B | $1.00B | $921.3M | $1.20B | $932.6M | $1.41B | $1.33B | $1.28B | $1.29B | $1.10B |
| Cash & short-term investments | $2.50B | $2.00B | $53.3M | $1.31B | $1.45B | $1.44B | $1.69B | $1.67B | $1.84B | $2.26B |
| Net debt | −$1.45B | −$998.4M | $868.0M | −$106.8M | −$516.9M | −$33.5M | −$362.8M | −$387.7M | −$549.5M | −$1.16B |
| Debt / equity | 1.11 | 1.13 | 0.92 | 1.70 | 1.03 | 2.43 | 1.57 | 1.72 | 1.71 | 1.56 |
| Debt / assets | 0.11 | 0.10 | 0.09 | 0.13 | 0.12 | 0.18 | 0.17 | 0.16 | 0.15 | 0.13 |
| Net debt / EBITDA | −20.55 | — | 18.02 | −1.26 | −3.42 | −6.63 | −5.10 | −5.86 | −6.38 | −27.01 |
| Current ratio | 0.43 | 0.25 | 0.01 | 0.20 | 14.24 | 1.12 | 0.25 | 0.29 | 0.30 | 0.35 |
| Quick ratio | 0.43 | 0.25 | 0.01 | 0.24 | 15.44 | 1.12 | 0.25 | 0.29 | 0.30 | 0.35 |
| Interest coverage | 0.3 | -0.1 | 0.2 | 1.1 | 3.4 | -0.1 | 0.6 | 0.6 | 1.2 | 0.7 |
| Working capital | −$3.30B | −$5.91B | −$3.95B | −$5.76B | $1.56B | $167.0M | −$5.30B | −$4.29B | −$4.48B | −$4.35B |
| Invested capital | −$515.4M | −$108.0M | $1.87B | $599.0M | $384.3M | $544.1M | $482.1M | $359.8M | $204.0M | −$454.4M |
| Tangible asset value | $919.6M | $871.3M | $985.5M | $686.2M | $881.7M | $558.1M | $825.4M | $728.2M | $734.3M | $685.5M |
| Net current asset value | −$6.34B | −$7.01B | −$8.66B | −$6.96B | −$5.05B | −$5.66B | −$5.38B | −$5.63B | −$5.77B | −$5.40B |
| Graham number | $25.60 | — | $25.45 | $29.37 | $40.32 | — | $23.01 | $20.66 | $24.47 | $17.51 |
| Graham net-net per share | −$154.18 | −$196.00 | −$257.11 | −$209.25 | −$138.11 | −$136.17 | −$125.76 | −$132.98 | −$165.74 | −$155.18 |
| Capital allocation | ||||||||||
| Dividends paid | $11.4M | $12.8M | $12.1M | $12.2M | $12.2M | $12.2M | $1.51B | $40.0M | — | $0 |
| Share buybacks (net) | $20.0M | $7.6M | $4.9M | $73.1M | $48.0M | $70.3M | $30.2M | $17.9M | — | $0 |
| Dividend payout ratio | 21.8% | — | 37.1% | 19.3% | 10.8% | — | — | 87.3% | — | 0.0% |
| Dividends + buybacks / free cash flow | 32.1% | 27.2% | 107.7% | — | 99.0% | 159.7% | — | 111.1% | — | 0.0% |
| Capex / revenue | 0.4% | 1.3% | 2.0% | 2.7% | 2.1% | 1.7% | 3.8% | 2.8% | 2.5% | 2.8% |
| Capex / operating cash flow | 2.5% | 9.0% | 40.9% | — | 9.8% | 9.7% | 18.2% | 16.2% | 11.7% | 11.3% |
| Capex / depreciation | 0.55 | 1.12 | 1.60 | 1.81 | 0.90 | 0.59 | 2.01 | 1.18 | 0.95 | 0.93 |
| Stock-based compensation / revenue | 0.5% | 0.9% | 1.2% | 1.5% | 1.6% | 0.7% | 1.7% | 0.0% | 1.3% | 15.5% |
| SG&A / revenue | 27.2% | 28.4% | 28.5% | 36.6% | 41.4% | 35.7% | 38.1% | 40.8% | 40.4% | 45.5% |
| Efficiency | ||||||||||
| Days sales outstanding | 4.5 | — | — | 183.7 | 194.2 | 87.8 | 69.1 | 73.9 | 75.7 | 85.1 |
| Days of inventory on hand | — | — | — | -915.6 | -980.0 | 0.5 | 0.8 | 1.4 | 1.9 | — |
| Days payables outstanding | — | — | — | 12,835.5 | 81,120.8 | 13,245.4 | 22,454.2 | 12,394.9 | 371.2 | 280.6 |
| Cash conversion cycle (days) | — | — | — | -13,567.4 | -81,906.6 | -13,157.0 | -22,384.3 | -12,319.6 | -293.5 | -195.5 |
| Receivables turnover | 80.89 | — | — | 1.99 | 1.88 | 4.16 | 5.28 | 4.94 | 4.82 | 4.29 |
| Payables turnover | — | — | — | 0.03 | 0.00 | 0.03 | 0.02 | 0.03 | 0.98 | 1.30 |
| Inventory turnover | — | — | — | — | — | 680.69 | 473.04 | 264.41 | 188.46 | — |
| Asset turnover | 0.07 | 0.06 | 0.06 | 0.05 | 0.04 | 0.04 | 0.05 | 0.04 | 0.04 | 0.04 |
| Average receivables | $8.1M | — | — | $194.8M | $163.7M | $80.3M | $70.3M | $73.4M | $71.6M | $70.0M |
| Average payables | — | — | — | $3.03B | $5.82B | $5.79B | $5.95B | $3.08B | $61.1M | $53.1M |
| Average inventory | — | — | — | −$215.9M | −$70.4M | $234,500 | $204,500 | $343,000 | $319,000 | — |
| Intangibles / total assets | 0.2% | 0.2% | 0.2% | 0.2% | 0.3% | 0.3% | 0.2% | 0.2% | 0.2% | 0.2% |
Computed from AMTB's annual financial statements (latest annual report filed February 27, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
AMTB valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Amerant Bancorp traded at 15.3 times earnings, against a 10-year median of 14.9. Based on the latest twelve months, the trailing P/E is 20.8 and the forward P/E is 11.5. Amerant Bancorp earned a return on equity of 5.7% in fiscal 2025. It ended the year with $1.0 billion of debt and $2.5 billion in cash and short-term investments, a net cash position of $1.5 billion. It returned $31.4 million to shareholders: $11.4 million in dividends and $20.0 million in share buybacks, 32% of free cash flow. The share count rose 17.7% from 34.9M to 41.1M over 9 years.
See the AMTB income statement, the AMTB chart for price history, or the AMTB stock overview for the latest quote and news.
AMTB key metrics FAQ
What is Amerant Bancorp's P/E ratio?
Amerant Bancorp's trailing P/E ratio is 20.8 based on the last twelve months of earnings (as of October 17, 2026), and its forward P/E is 11.5. At the end of fiscal 2025 it was 15.3, compared with a 10-year median of 14.9.
What is Amerant Bancorp's return on equity?
Amerant Bancorp's return on equity (ROE) was 5.7% in fiscal 2025: net income of $52.4 million on average shareholders' equity of $914.6 million.
How much debt does Amerant Bancorp have?
Amerant Bancorp had total debt of $1.0 billion at the end of fiscal 2025, a debt-to-equity ratio of 1.11 and more cash than debt.
What is Amerant Bancorp's dividend yield?
Amerant Bancorp's forward dividend yield is 1.24%. Amerant Bancorp paid $11.4 million in dividends in fiscal 2025 ($0.28 per share), a payout ratio of 21.8%.
Does Amerant Bancorp buy back its shares?
Yes. Amerant Bancorp spent $20.0 million on net share repurchases in fiscal 2025 Shares outstanding changed +15.0% over the year, to 41.1M..
What is Amerant Bancorp's free cash flow yield?
Amerant Bancorp generated $98.0 million of free cash flow in fiscal 2025, a free cash flow yield of 12.2% on its market value at year-end ($801.9 million).
What is Amerant Bancorp's current ratio?
Amerant Bancorp's current ratio was 0.43 at the end of fiscal 2025: current assets were 0.43 times current liabilities.