Amerant Bancorp Inc. (AMTB) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Amerant Bancorp Inc. stock (AMTB) is currently trading at $21.43. Amerant Bancorp Inc. PE ratio is 16.44. Amerant Bancorp Inc. PS ratio (Price-to-Sales) is 2.21. Analyst consensus price target for AMTB is $24.50. WallStSmart rates AMTB as Underperform.
- AMTB PE ratio analysis and historical PE chart
- AMTB PS ratio (Price-to-Sales) history and trend
- AMTB intrinsic value — DCF, Graham Number, EPV models
- AMTB stock price prediction 2025 2026 2027 2028 2029 2030
- AMTB fair value vs current price
- AMTB insider transactions and insider buying
- Is AMTB undervalued or overvalued?
- Amerant Bancorp Inc. financial analysis — revenue, earnings, cash flow
- AMTB Piotroski F-Score and Altman Z-Score
- AMTB analyst price target and Smart Rating
Amerant Bancorp Inc.
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AMTB Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Amerant Bancorp Inc. (AMTB)
AMTB trades 167% above its Graham fair value of $8.57, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Amerant Bancorp Inc. (AMTB) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in price/book, institutional own.. Concerns around return on equity and eps growth. Mixed signals suggest waiting for clearer direction before acting.
Amerant Bancorp Inc. (AMTB) Key Strengths (2)
Trading below book value, meaning the market prices it less than net assets
70.95% of shares held by major funds and institutions
Supporting Valuation Data
Amerant Bancorp Inc. (AMTB) Areas to Watch (7)
Earnings declining -83.80%, profits shrinking
Low profitability relative to shareholder equity
Thin operating margins with cost pressures present
Modest revenue growth at 8.10%
Small-cap company with higher risk but more growth potential
Revenue is fairly priced at 2.21x sales
Decent profitability, keeps $13 per $100 revenue
Amerant Bancorp Inc. (AMTB) Detailed Analysis Report
Overall Assessment
This company scores 48/100 in our Smart Analysis, earning a D+ grade. Out of 9 metrics analyzed, 2 register as strengths (avg 10.0/10) while 7 fall into concern territory (avg 4.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Book, Institutional Own.. Valuation metrics including Price/Book (0.89) suggest the stock is attractively priced.
The Bear Case
The primary concerns are EPS Growth, Return on Equity, Operating Margin. Some valuation metrics including Price/Sales (2.21) suggest expensive pricing. Growth concerns include Revenue Growth at 8.10%, EPS Growth at -83.80%, which may limit upside. Profitability pressure is visible in Return on Equity at 5.73%, Operating Margin at 10.20%, Profit Margin at 13.20%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 5.73% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 8.10% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a higher risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Fundamental challenges outweigh strengths at current levels. EPS Growth and Return on Equity are the primary drags. Consider waiting for meaningful improvement before committing capital.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
AMTB Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
AMTB's Price-to-Sales ratio of 2.21x sits near its historical average of 2.25x (62th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 53% below its historical high of 4.71x set in Dec 2021, and 94% above its historical low of 1.14x in Sep 2020. Over the past 12 months, the PS ratio has expanded from ~1.5x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for Amerant Bancorp Inc. (AMTB) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Amerant Bancorp Inc. operates as a stable business with moderate growth and solid fundamentals. Revenue reached 397M with 8% growth year-over-year. Profit margins of 13.2% are healthy, with room for further expansion as the business scales.
Key Findings
Generating 31M in free cash flow and 36M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Margin expansion: can Amerant Bancorp Inc. push profit margins above 15% as the business scales?
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Amerant Bancorp Inc..
Bottom Line
Amerant Bancorp Inc. offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(80 last 3 months)
| Insider | Type | Shares |
|---|---|---|
IAFIGLIOLA, CARLOS See remarks | Buy | +1,000 |
| Insider | Type | Shares |
|---|---|---|
ALMEIDA, ODILON Director | Buy | +4,816 |
| Insider | Type | Shares |
|---|---|---|
RODRIGUEZ, ADRIAN See remarks | Sell | -99 |
Data sourced from SEC Form 4 filings
Last updated: 12:59:03 PM
About Amerant Bancorp Inc.(AMTB)
NYSE
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Amerant Bancorp Inc. is the banking holding company for Amerant Bank, NA that provides banking products and services to individuals and businesses in the United States and internationally. The company is headquartered in Coral Gables, Florida.