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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. The company offers checking, savings, business, and money market accounts; cash management services; and certificates of deposit. It also provides variable and fixed rate commercial real estate loans; owner-occupied; single-family residential; commercial; and 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; retail banking; mortgage; and wealth management and fiduciary services. Further, the company provides debit and credit cards, night depositories, direct deposits, cashier's checks, safe deposit boxes, letters of credit, 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 ATM, and banking by mobile devices, telephone, and mail. It also operates banking centers. 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.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Amerant Bancorp is a U.S. regional bank holding company offering commercial, private and consumer banking, wealth management and treasury services in Florida, Texas, New York and select Latin American corridors. Long-term growth may be supported by commercial lending expansion, wealth-management fees, cross-border client flows and digital channels that could strengthen deposit funding and diversify revenue.
Principal risks include sensitivity to interest rates and economic cycles, concentrated commercial real estate and regional exposure, potential credit deterioration, regulatory capital demands and competition from larger banks and fintech.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 66.14M | -24.08M | 41.33M | 63.31M | 112.92M |
| Minority interest | 0.00M | 0.00M | 1.04M | -1.35M | -2.61M |
| Net income | 52.42M | -15.75M | 32.49M | 46.69M | 79.21M |
| Selling general administrative | 165.88M | 148.66M | 144.11M | -54.56M | -33.85M |
| Selling and marketing expenses | 12.44M | 14.49M | 12.81M | 11.62M | - |
| Gross profit | 375.91M | 244.83M | 267.63M | 266.67M | 205.14M |
| Reconciled depreciation | 6.69M | 6.60M | 7.32M | 5.88M | 7.27M |
| Ebit | 66.14M | -24.08M | 41.33M | 63.31M | 146.63M |
| Ebitda | 70.77M | -17.48M | 48.17M | 69.19M | 153.90M |
| Depreciation and amortization | 4.63M | 6.60M | 6.84M | 5.88M | 7.27M |
| Operating income | 66.14M | -24.08M | 41.33M | 63.31M | 146.63M |
| Other operating expenses | 589.10M | 599.01M | 509.70M | -203.35M | -58.51M |
| Interest expense | 236.74M | 269.63M | 222.12M | 72.11M | 42.70M |
| Tax provision | 13.72M | -8.33M | 19.14M | 16.62M | 33.71M |
| Interest income | 597.43M | 595.59M | 516.38M | 266.67M | 205.14M |
| Net interest income | 360.69M | 325.96M | 326.96M | 266.67M | 205.14M |
| Income tax expense | 13.72M | -8.33M | 10.54M | 16.62M | 33.71M |
| Total revenue | 655.25M | 574.92M | 551.02M | 266.67M | 205.14M |
| Total operating expenses | 309.76M | 268.92M | 226.30M | -203.35M | -58.51M |
| Cost of revenue | 279.34M | 330.09M | 283.39M | - | - |
| Total other income expense net | - | -2.18M | 41.33M | - | -33.71M |
| Net income from continuing ops | 52.42M | -15.75M | 70.55M | 63.31M | 112.92M |
| Net income applicable to common shares | - | - | - | 63.31M | 112.92M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 9777.02M | 9901.73M | 9716.33M | 9127.80M | 7638.40M |
| Other current assets | -8.10M | - | 349.47M | -228.96M | 4604.12M |
| Total liab | 8838.22M | 9011.27M | 8711.59M | 8422.08M | 932.65M |
| Total stockholder equity | 938.80M | 890.47M | 736.07M | 707.82M | 834.48M |
| Other current liab | 5790.90M | 7854.60M | 3987.55M | 7044.20M | 5630.87M |
| Common stock | 4.06M | 4.21M | 3.36M | 3.38M | 3.59M |
| Capital stock | 4.06M | 4.21M | 3.36M | 3.38M | 3.59M |
| Retained earnings | 619.55M | 582.23M | 610.80M | 590.38M | 553.17M |
| Other liab | - | - | - | 0.30M | 25.20M |
| Good will | 19.19M | 19.19M | 19.19M | 19.51M | 19.51M |
| Other assets | - | 8114.72M | 9302.93M | 6153.36M | 4604.12M |
| Cash | 470.15M | 565.99M | 296.02M | 248.44M | 274.21M |
| Total current liabilities | 5790.90M | 7914.44M | 4002.74M | 7222.77M | 118.17M |
| Net debt | 570.71M | 438.72M | 625.30M | 950.86M | 658.44M |
| Short term debt | - | 59.84M | 15.20M | - | 118.17M |
| Short long term debt | 0.00M | 59.84M | - | - | - |
| Short long term debt total | 1040.87M | 1004.72M | 921.33M | 1199.31M | 932.65M |
| Other stockholder equity | 316.07M | 343.83M | 192.70M | 194.69M | 262.51M |
| Property plant equipment | - | - | - | 41.77M | 37.86M |
| Total current assets | 2495.04M | 2003.16M | 53.31M | 1462.07M | 1683.16M |
| Long term investments | 2027.43M | 1439.65M | 1446.68M | 1311.11M | 1293.75M |
| Net tangible assets | - | - | - | 684.13M | 814.98M |
| Short term investments | 2024.88M | 1437.17M | 1217.50M | 1057.62M | 1175.32M |
| Net receivables | 8.10M | - | - | 156.01M | 233.64M |
| Long term debt | 805.96M | 838.80M | 798.16M | 1059.16M | 932.65M |
| Inventory | - | - | - | - | -141.14M |
| Accounts payable | - | - | - | 178.57M | 5873.88M |
| Noncontrolling interest in consolidated entity | - | - | - | 2.09M | 2.61M |
| Accumulated other comprehensive income | -0.88M | -39.81M | -70.80M | -80.64M | 15.22M |
| Common stock total equity | - | - | - | 3.38M | 3.59M |
| Retained earnings total equity | - | - | - | 590.38M | 553.17M |
| Non currrent assets other | 496.13M | 505.16M | -1323.51M | -48.70M | -11.30M |
| Non current assets total | 7281.98M | 7898.57M | 360.08M | 1512.37M | 1351.11M |
| Capital lease obligations | 117.46M | 106.07M | 123.17M | 140.15M | 136.59M |
| Long term debt total | - | - | - | 152.67M | 123.07M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | -532.32M | -576.66M | -615.92M | -1477.04M | 94.20M |
| Change to liabilities | - | - | - | 21.08M | 34.96M |
| Total cashflows from investing activities | -501.10M | -576.66M | -606.62M | -1397.25M | 385.32M |
| Net borrowings | -93.38M | 101.62M | -221.98M | 134.82M | -244.12M |
| Total cash from financing activities | 441.10M | 762.96M | 611.17M | 1462.80M | -392.93M |
| Net income | 51.62M | -15.75M | 30.79M | 61.96M | 110.31M |
| Change in cash | 40.50M | 268.49M | 31.27M | 16.39M | 59.82M |
| Begin period cash flow | 590.36M | 321.87M | 290.60M | 274.21M | 214.39M |
| End period cash flow | 630.86M | 590.36M | 321.87M | 290.60M | 274.21M |
| Total cash from operating activities | 100.50M | 82.19M | 26.72M | -49.16M | 67.43M |
| Issuance of capital stock | 0.00M | 155.75M | 0.00M | - | 0.00M |
| Depreciation | 4.63M | 6.60M | 6.84M | 5.88M | 7.27M |
| Other cashflows from investing activities | 261.05M | -463.44M | -457.20M | 90.42M | 297.70M |
| Dividends paid | 11.40M | 12.82M | 12.06M | -12.23M | 12.23M |
| Change to inventory | - | - | 4.15M | - | - |
| Change to account receivables | 1.08M | 3.78M | -34.45M | -15.35M | -4.43M |
| Sale purchase of stock | -20.00M | -7.56M | -4.93M | -73.12M | -48.04M |
| Other cashflows from financing activities | 445.89M | 525.97M | 850.14M | 2572.47M | 384.73M |
| Change to netincome | - | - | - | 151.75M | -54.42M |
| Capital expenditures | 2.53M | 7.40M | 10.93M | 10.63M | 6.58M |
| Change receivables | - | - | - | -15.35M | -4.43M |
| Cash flows other operating | - | - | - | -283.03M | -38.85M |
| Cash and cash equivalents changes | - | - | - | 16.39M | 59.82M |
| Change in working capital | -20.45M | 0.17M | -30.30M | 5.73M | 30.52M |
| Stock based compensation | 3.57M | 5.05M | 6.78M | 5.79M | 4.78M |
| Other non cash items | 62.24M | 85.97M | 18.12M | -133.68M | -91.46M |
| Free cash flow | 97.96M | 74.79M | 15.79M | -59.79M | 60.85M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| AMTB Amerant Bancorp Inc. |
0.69 2.33% |
30.29 | 18.70 | 11.45 | 2.52 | 1.03 | 4.60 |
| DBSDY DBS Group Holdings Ltd ADR |
3.79 1.76% |
219.67 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
0.03 0.45% |
6.69 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
0.11 0.32% |
34.84 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
5.05 5.86% |
91.30 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
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. The company offers checking, savings, business, and money market accounts; cash management services; and certificates of deposit. It also provides variable and fixed rate commercial real estate loans; owner-occupied; single-family residential; commercial; and 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; retail banking; mortgage; and wealth management and fiduciary services. Further, the company provides debit and credit cards, night depositories, direct deposits, cashier's checks, safe deposit boxes, letters of credit, 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 ATM, and banking by mobile devices, telephone, and mail. It also operates banking centers. 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.
220 Alhambra Circle, Coral Gables, FL, United States, 33134
305 460 8728
694
| Name | Title | Year Born |
|---|---|---|
| Mr. Gerald Paul Plush C.M.A., CPA | Chairman, Pres & CEO | 1958 |
| Mr. Miguel Palacios | Exec. VP & Head of Commercial Banking | 1969 |
| Mr. Alberto Manuel Capriles Santander | Exec. VP & Chief Risk Officer | 1968 |
| Mr. Carlos Iafigliola | Exec. VP & CFO | 1977 |
| Mr. Armando Fleitas | Sr. VP, Controller & Principal Accounting Officer | 1977 |
| Mr. S. Marshall Martin | Exec. VP, Chief Admin. & Legal Officer | NA |
| Ms. Laura Rossi | Sr. VP, Head of Investor Relations & Sustainability | NA |
| Ms. Christine Esteve | Exec. VP & Chief Marketing Officer | NA |
| Ms. Mariola Sanchez | Exec. VP & Chief People Officer | NA |
| Mr. Julio V. Pena | Sr. VP of Securities Counsel & Assistant Corp. Sec. | NA |
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