US · AMTB
Amerant Bancorp Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Coral Gables, FL 33134
- Website
- amerantbank.com
Price · as of 2025-12-31
$22.94
Market cap 895.69M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $36.13 | +57.5% |
| Intrinsic Value(DCF) | $21.02 | -8.37% |
| Graham-Dodd Method(GD) | $25.17 | +9.72% |
| Graham Formula(GF) | $27.57 | +20.19% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | |||||
| 2016 | |||||
| 2017 | $27.19 | $27.48 | |||
| 2018 | $13.75 | $36.70 | $15.88 | $8.41 | $13.93 |
| 2019 | $15.21 | $51.03 | $17.50 | $25.20 | $12.58 |
| 2020 | $17.90 | $52.99 | $14.77 | $18.10 | $0.06 |
| 2021 | $29.28 | $201.27 | $20.90 | $37.12 | $2.03 |
| 2022 | $23.93 | $70.36 | $17.63 | $24.26 | $61.34 |
| 2023 | $21.50 | $58.29 | $158.86 | $20.84 | $47.20 |
| 2024 | $21.19 | $20.79 | $23.60 | $16.79 | $0.00 |
| 2025 | $21.73 | $36.13 | $64.54 | $25.17 | $27.57 |
AI valuation
Our deep-learning model estimates Amerant Bancorp Inc.'s (AMTB) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $36.13
- Current price
- $22.94
- AI upside
- +57.5%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$21.02
-8.37% upside
Graham-Dodd
$25.17
+9.72% upside
Graham Formula
$27.57
+20.19% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| AMTB | Amerant Bancorp Inc. | $22.94 | 895.69M | +57% | -8% | +10% | +20% | 17.22 | 0.95 | 1.36 | -7.98 | — | 0.95 | 57.37% | 10.09% | 8.00% | 5.64% | -16.82% | 0.52% | 1.11 | 0.28 | 0.43 | 0.43 | 8.06 | -38636.00% | 1397.00% | 3098.00% | 11.02% | 0.02 | -31.43% | 1.28% | 22.10% | 3.53% | -8.54 | -5.77 | -0.86 | -0.17 |
| BFST | Business First Bancshares… | $27.30 | 808.5M | +103% | -52% | +51% | +112% | 9.31 | 0.91 | 1.60 | -0.26 | 40.48 | 1.08 | 60.92% | 22.15% | 17.16% | 10.36% | 18.38% | 1.09% | 0.61 | 0.59 | 5.62 | 5.62 | 1.18 | 2301.00% | 1184.00% | 5388.00% | 11.25% | 0.07 | 18.74% | 0.00% | 0.00% | 2.93% | -0.27 | -0.33 | -0.06 | 1.14 |
| CCBG | Capital City Bank Group, … | $42.85 | 731.31M | -22% | -26% | -39% | +7% | 11.33 | 1.21 | 2.29 | 2.52 | 695.66 | 1.49 | 84.84% | 25.00% | 20.18% | 11.22% | 52.59% | 1.23% | 0.17 | 1.84 | 0.13 | 0.13 | 0.16 | 163.00% | 673.00% | 1498.00% | 9.15% | 0.02 | 55.89% | 2.49% | 28.20% | 2.87% | 2.82 | 3.37 | 0.71 | -0.53 |
| CCNE | CNB Financial Corporation | $28.01 | 825.63M | -26% | -2% | -6% | +82% | 8.66 | 0.77 | 1.31 | -3.02 | — | 0.84 | 59.11% | 18.71% | 15.16% | 9.23% | 183.63% | 0.91% | 0.24 | 0.49 | 0.16 | 0.16 | -3.93 | -627.00% | 1180.00% | 5319.00% | 11.68% | 0.01 | 185.82% | 4.06% | 35.20% | 50.32% | -3.39 | -4.13 | -0.63 | -0.65 |
| HBT | HBT Financial, Inc. | $26.96 | 847.4M | +167% | -19% | +11% | -2% | 11.23 | 1.40 | 2.95 | 0.84 | 140.99 | 1.60 | 80.03% | 35.63% | 26.25% | 13.28% | 46.33% | 1.52% | 0.11 | 1.84 | 0.28 | 0.28 | 0.37 | 796.00% | 284.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 0.88 | — | 0.32 | -0.17 |
| HTB | HomeTrust Bancshares, Inc… | $42.14 | 735.09M | +204% | -23% | -5% | +231% | 10.70 | 1.06 | 1.99 | 1.57 | 74.90 | 1.15 | 65.95% | 23.69% | 18.57% | 10.72% | 37.16% | 1.19% | 0.02 | 0.75 | 0.17 | 0.17 | -3.42 | 1429.00% | 3656.00% | -14940.00% | 4.81% | 0.01 | 19.14% | 1.31% | 14.00% | 30.68% | 1.96 | 4.84 | 0.46 | -0.50 |
| MBWM | Mercantile Bank Corporati… | $51.66 | 887.58M | +39% | -1% | +30% | +14% | 9.63 | 1.18 | 2.30 | 0.98 | 89.56 | 1.35 | 64.03% | 27.46% | 23.87% | 13.56% | 209.76% | 1.38% | 1.14 | 0.79 | 0.29 | 0.29 | 3.31 | 1075.00% | 274.00% | -8789.00% | 1.31% | 0.00 | 26.49% | 0.00% | 0.00% | 0.00% | 1.03 | 9.35 | 0.28 | -0.42 |
| MCB | Metropolitan Bank Holding… | $84.15 | 866.58M | +5% | +146% | +23% | +18% | 12.80 | 1.23 | 1.73 | 3.15 | 110.05 | 1.23 | 52.64% | 19.26% | 13.49% | 9.65% | 13.26% | 0.91% | 0.00 | 0.48 | — | — | -0.12 | 1164.00% | 710.00% | -3919.00% | 9.74% | — | 16.54% | 0.00% | 0.00% | 29.58% | 3.15 | 3.60 | 0.61 | 0.34 |
| NBN | Northeast Bank | $110.88 | 884.57M | +22% | +249% | +1% | +285% | 10.57 | 1.78 | 2.51 | 6.15 | 32.05 | 1.79 | 58.14% | 35.81% | 23.77% | 19.16% | 19.51% | 2.25% | 0.69 | 0.91 | 0.13 | 0.13 | -0.58 | 3298.00% | 3473.00% | 4802613.00% | 6.06% | 0.02 | 12.49% | 0.04% | 0.40% | 22.46% | 6.30 | 14.83 | 2.26 | -0.38 |
| TRST | TrustCo Bank Corp NY | $43.37 | 799.05M | +32% | -16% | +25% | +6% | 13.18 | 1.17 | 2.89 | 7.10 | 49.80 | 1.17 | 67.08% | 29.18% | 21.97% | 8.97% | 12.60% | 0.96% | 0.28 | 0.90 | 0.26 | 0.26 | 1.59 | 2646.00% | 577.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 7.85 | — | 2.29 | 0.08 |
About Amerant Bancorp Inc.
Amerant Bancorp Inc. operates as the bank holding company for Amerant Bank, N.A. that provides banking products and services to individuals and businesses in the United States and internationally. The company offers checking, savings, and money market accounts; and certificates of deposits. It also provides variable and fixed rate commercial real estate loans; loans secured by owner-occupied properties; loans to domestic and foreign individuals primarily secured by personal residence; working capital loans, asset-based lending, participations in shared national credits, purchased receivables, and small business administration loans; loans to financial institutions and acceptances; and consumer loans and overdrafts, such as automobile, personal, or loans secured by cash or securities and revolving credit card agreements. In addition, the company offers trust and estate planning products and services to high-net-worth customers, brokerage and investment advisory services in global capital markets, and wealth management and fiduciary services. Further, it provides debit and credit cards, night depositories, direct deposits, cashier's checks, safe deposit boxes, letters of credit, and treasury management services, including wire transfer, remote deposit capture, and automated clearinghouse services; derivative instruments; and online and mobile banking, account balances, statements and other documents, online transfers and bill payment, and electronic delivery of customer statements services, as well as automated teller machines, and banking by mobile devices, telephone, and mail. As of December 31, 2021, the company operated 24 banking centers comprising 17 in Florida and 7 in Texas. It also operates loan production offices in Tampa, Florida. The company was formerly known as Mercantil Bank Holding Corporation and changed its name to Amerant Bancorp Inc. in June 2019. Amerant Bancorp Inc. was founded in 1979 and is headquartered in Coral Gables, Florida.
- CEO
- Carlos Iafigliola
- Employees
- 77
- Beta
- 1.00
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($21.02 ÷ $22.94) − 1 = -8.37% (DCF, example).