AMTB
Financial ServicesAmerant Bancorp Inc. · Banks - Regional · $880M
What is Amerant Bancorp Inc.?
Amerant Bancorp is a Florida-based bank holding company serving individuals and businesses across the United States and internationally through its subsidiary, Amerant Bank, N.A. Headquartered in Coral Gables, it focuses on both domestic and cross-border banking relationships.
Amerant generates revenue through traditional banking activities — accepting deposits and extending credit — alongside fee-based services. Its lending portfolio spans commercial real estate, residential mortgages, small business, and consumer loans. Beyond lending, the bank earns income from wealth management, trust and estate planning, and brokerage services, with a particular focus on high-net-worth clients and international customers.
Amerant Bancorp was incorporated in 2018 and is headquartered in Coral Gables, Florida.
- Commercial and consumer lending
- Deposit accounts and treasury management
- Wealth management and fiduciary services
- Brokerage and investment advisory services
Is AMTB a Good Stock to Buy?
UQS Score rates AMTB as Below Average overall.
Among the pillars, Valuation stands out as Attractive, suggesting the stock may be priced modestly relative to its fundamentals. Quality, Growth, and Risk each register as Neutral, indicating a bank that is neither excelling nor deteriorating across these dimensions.
The Moat pillar is rated Weak, reflecting limited competitive differentiation in a crowded regional banking landscape.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does AMTB pay dividends?
Yes — Amerant Bancorp Inc. pays a dividend.
Amerant Bancorp pays a regular dividend, consistent with the income-oriented expectations many investors bring to regional bank stocks. The dividend reflects the company's intention to return capital to shareholders alongside its lending and fee-based growth initiatives. Investors seeking yield from small-cap financials may find the dividend cadence relevant to their screening criteria.
When does AMTB report earnings?
Amerant Bancorp reports earnings on a quarterly cadence, typical for US-listed bank holding companies.
The bank's recent results reflect the mixed environment facing regional lenders — balancing net interest income dynamics with credit quality management and fee revenue growth. Neutral Quality and Growth pillar ratings suggest performance has been steady rather than exceptional.
For the most recent quarter's results, visit Amerant Bancorp's investor relations page directly.
AMTB Price History
+4.7% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Amerant Bancorp Inc.?
Based on Amerant Bancorp Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
AMTB Long-term Outlook
Amerant's fundamental outlook is shaped by its Neutral Growth profile, pointing to modest rather than accelerating expansion. The Attractive Valuation label suggests the market has not priced in a strong growth premium, which may limit downside but also caps near-term upside expectations. The Weak Moat rating remains a structural concern, as regional banks without clear differentiation face ongoing pressure from larger institutions and fintech competitors.
Growth drivers
- Expansion of wealth management and fee-based services
- Cross-border and international banking relationships in South Florida
- Small business and SBA lending growth
Key risks
- Limited competitive moat in a crowded regional banking market
- Interest rate sensitivity affecting net interest margins
- Credit quality risk across commercial real estate and consumer loan portfolios
AMTB vs Peers
Amerant Bancorp operates in the small-cap regional banking space alongside several peers with distinct strategic profiles.
Burke & Herbert is a community-focused bank with deep roots in the mid-Atlantic region, contrasting with Amerant's South Florida and international client base.
Esquire Financial concentrates on niche lending to legal professionals and small businesses, giving it a more specialized borrower profile than Amerant's broader commercial and consumer mix.
Capitol Federal is a traditional thrift focused heavily on residential mortgage lending in the Midwest, a narrower model compared to Amerant's diversified banking and wealth management approach.
Frequently Asked Questions
What does Amerant Bancorp do?
Amerant Bancorp is the holding company for Amerant Bank, N.A., which provides banking, lending, and wealth management services to individuals and businesses in the United States and internationally. Its offerings include deposit accounts, commercial and consumer loans, trust services, and brokerage products, with a focus on South Florida and cross-border clients.
Does AMTB pay dividends?
Yes, Amerant Bancorp pays a regular dividend. This is consistent with the capital return practices common among regional bank holding companies. Investors should check the company's investor relations page for the current dividend rate and payment schedule.
When does AMTB report earnings?
Amerant Bancorp reports earnings on a quarterly cadence, as is standard for US-listed bank holding companies. For the most current earnings dates and recent results, refer to Amerant Bancorp's investor relations page.
Is AMTB a good stock to buy?
UQS Score rates AMTB as Below Average overall. The Valuation pillar is Attractive, and Quality, Growth, and Risk are each Neutral, but the Weak Moat rating reflects limited competitive differentiation. Whether AMTB fits your portfolio depends on your own risk tolerance and investment goals — the full pillar breakdown is available to Pro members.
Is AMTB overvalued?
Based on the UQS Valuation pillar, AMTB is rated Attractive, suggesting it is not considered overvalued relative to its fundamentals. Regional banks with modest growth profiles can sometimes trade at discounts to the broader market. The complete valuation analysis is available in the Pro view.
How does AMTB compare to its competitors?
Compared to peers like Burke & Herbert, Esquire Financial, and Capitol Federal, Amerant differentiates through its South Florida footprint, international banking relationships, and wealth management capabilities. However, its Weak Moat rating suggests these advantages have not yet translated into a durable competitive edge versus the broader regional banking universe.
What is AMTB's market cap bracket?
Amerant Bancorp is classified as a small-cap stock. Small-cap regional banks can offer growth potential but typically carry higher volatility and liquidity risk compared to large-cap financial institutions.
Who founded Amerant Bancorp?
Amerant Bancorp was incorporated in 2018 as a holding company structure. The bank itself, Amerant Bank, N.A., has deeper operational roots in South Florida. Full founding history is publicly available through the company's official disclosures and investor relations materials.
Is AMTB a long-term quality investment?
As a long-term quality indicator, AMTB's Below Average UQS Score and Weak Moat rating suggest caution. Neutral readings across Quality, Growth, and Risk indicate stability without standout strength. Long-term investors focused on quality typically look for stronger moat and growth profiles — the full analysis is available to Pro members.
What is the main competitive advantage of Amerant Bancorp?
Amerant's primary differentiators are its South Florida geographic focus and its ability to serve international clients, particularly those with cross-border financial needs. Its wealth management and trust services add a fee-based revenue layer. However, the UQS Moat pillar rates these advantages as Weak relative to broader sector peers.
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Pro Analysis
AMTB — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 23, 2026 | 48.7 | 50.7 | 21.0 | 52.7 | 57.1 | 77.8 | 0.0 |
| May 22, 2026 | 48.7 | 50.7 | 21.0 | 52.7 | 57.1 | 77.9 | 0.0 |
| May 21, 2026 | 48.7 | 50.7 | 21.0 | 52.7 | 57.1 | 77.8 | 0.0 |
| May 20, 2026 | 48.7 | 50.7 | 21.0 | 52.7 | 57.1 | 78.1 | 0.0 |
| May 19, 2026 | 48.7 | 50.7 | 21.0 | 52.7 | 57.1 | 77.8 | 0.0 |
| May 16, 2026 | 48.7 | 50.7 | 21.0 | 52.7 | 57.1 | 78.0 | 0.0 |
| May 15, 2026 | 48.7 | 50.7 | 21.0 | 52.7 | 57.1 | 77.6 | 0.0 |
| May 14, 2026 | 48.7 | 50.7 | 21.0 | 52.7 | 57.1 | 77.8 | +0.1 |
| May 13, 2026 | 48.6 | 50.7 | 21.0 | 52.7 | 57.1 | 77.2 | 0.0 |
| May 12, 2026 | 48.6 | 50.7 | 21.0 | 52.7 | 57.1 | 77.1 | +0.1 |
AMTB — Pillar Breakdown
Quality
— 50.7/100 (25%)Amerant Bancorp Inc. has average quality metrics, with room for improvement in margins or capital efficiency.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 52.7/100 (20%)Amerant Bancorp Inc. shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 57.1/100 (15%)Amerant Bancorp Inc. maintains a reasonable risk profile with manageable debt levels.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 77.8/100 (15%)Amerant Bancorp Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 21/100 (25%)Amerant Bancorp Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for AMTB.
Score Composition
Financial Data
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How is the AMTB UQS Score Calculated?
The UQS (Unified Quality Score) for Amerant Bancorp Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Amerant Bancorp Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Amerant Bancorp Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.