Amerant Bancorp Inc.
Amerant Bancorp Inc. Fundamental Analysis
Amerant Bancorp Inc. (AMTB) shows moderate financial fundamentals with a PE ratio of 14.55, profit margin of 9.94%, and ROE of 6.81%. The company generates $0.7B in annual revenue with strong year-over-year growth of 13.97%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 42.1/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze AMTB's fundamental strength across five key dimensions:
Efficiency Score
WeakAMTB struggles to generate sufficient returns from assets.
Valuation Score
ExcellentAMTB trades at attractive valuation levels.
Growth Score
ModerateAMTB shows steady but slowing expansion.
Financial Health Score
WeakAMTB carries high financial risk with limited liquidity.
Profitability Score
WeakAMTB struggles to sustain strong margins.
Key Financial Metrics
Is AMTB Expensive or Cheap?
P/E Ratio
AMTB trades at 14.55 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, AMTB's PEG of 0.01 indicates potential undervaluation.
Price to Book
The market values Amerant Bancorp Inc. at 1.01 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 2.69 times EBITDA. This is generally considered low.
How Well Does AMTB Make Money?
Net Profit Margin
For every $100 in sales, Amerant Bancorp Inc. keeps $9.94 as profit after all expenses.
Operating Margin
Core operations generate 11.55 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $6.81 in profit for every $100 of shareholder equity.
ROA
Amerant Bancorp Inc. generates $2.34 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Amerant Bancorp Inc. produces operating cash flow of $121.64M, showing steady but balanced cash generation.
Free Cash Flow
Amerant Bancorp Inc. generates strong free cash flow of $115.87M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $2.76 in free cash annually.
FCF Yield
AMTB converts 11.60% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
14.55
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.01
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.009
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.51
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.03
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.07
vs 25 benchmark
ROA
Return on assets percentage
0.02
vs 25 benchmark
ROCE
Return on capital employed
0.03
vs 25 benchmark
How AMTB Stacks Against Its Sector Peers
| Metric | AMTB Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 14.55 | 19.03 | Better (Cheaper) |
| ROE | 6.81% | 818.00% | Weak |
| Net Margin | 9.94% | 1571.00% | Weak |
| Debt/Equity | 1.03 | 0.98 | Neutral |
| Current Ratio | 0.00 | 669.04 | Weak Liquidity |
| ROA | 2.34% | -21643.00% (disorted) | Weak |
AMTB outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Amerant Bancorp Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
100.26%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
3205.06%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
79.08%
Industry Style: Value, Dividend, Cyclical
High Growth