Reading AMTB? Track it free: the weekly brief, plus an alert if the thesis breaks. No credit card.
Track AMTB free→
Amerant Bancorp, Inc. (AMTB)
NYSEFinancialsBanks - RegionalSnapshot 2026-06-16
Watch· this week
$23.29-0.09%
Close 2026-06-16 · 1-day change
Recent financial performance sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
The bottom line
Recent financial performance is weak, and management's recent track record has been unsteady, with frequent disruptive corporate changes. Earnings quality is robust, cash backs up reported profits, and the company has a capital-friendly stance. Peer multiples imply a price about 12% above where it trades (it looks cheap on this basis); the read is fair, but weakening. Key factors to watch include potential guidance cuts and sector trends, as these could significantly impact performance. This read is provisional.
as of 2026-06-16
Quick facts
- Exchange
- NYSE
- Sector
- Financials
- Industry
- Banks - Regional
- Market cap
- $913.35M
- Employees
- 694
- IPO date
- 2018-09-21
- Next earnings
- 2026-07-22
Price
Daily closes. Earnings/event dots are placed inline.
Adjusted daily closes (split & dividend). Scroll over the chart to zoom; click a range to reset.
EarningsMaterial event
What's priced in
(what the market already expects)What it's worth (estimated)
A consensus fair price across 6 valuation methods, at three horizons. Current price $23.29. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
12-month· primaryfair
$25.61consensus
Range $23.68 – $31.86
vs price: -9% below
Method agreement — · 6 methods
No-growth: today's peer multiple on trailing earnings. The headline read.
3-yearfair
$24.98consensus
Range $21.04 – $29.91
vs price: -7% below
Method agreement — · 4 methods
Embeds projected growth. Leans optimistic by design. Upside context.
5-yearfair
How much to trust our fair value
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
Cheap vs peershigh confidence
At $23 AMTB trades at 12× p/e, below its 12× p/e peer median. Our $26 fair value sits above the price; high confidence. Not investment advice.
Multiple (P/E)
12.1x
peer 12.2x · own history —
Premium
1.0x peer
Growth the price needs
-12%
our forecast 10%
Our fair value
$26.19
range $23.68 – $33.11
How this stock is priced
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
Long-term · 1–3 yr
fairfair — but weakening12-month view
What's priced inJustified
The price implies about 12% below a flat-multiple fair value, below our forecast of about 10%. This describes what's priced in, not a forecast of the move.
Low fragilityrisk posture, not a price call
No fragility gates fired. Regime (Mania) does not concentrate fragility.
Historical context
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
How strong is the business
(quality & execution)Factor signals
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Recent financial performance
weakOperating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Financials names rated weak grew net income 56% of the time over the next year (vs 59% for the rest of the cohort, n=3730).
23rd pctl · Financials
Earnings quality
robustOver the trailing year it converted 2.19x of net income into operating cash flow. Historically, Financials names rated robust grew net income 62% of the time over the next year (vs 54% for the rest of the cohort, n=3541).
81st pctl · Financials
Macro sensitivity
Most sensitive to the broad stock market.
- the broad stock market: This stock moves with the broad market (high beta).
Not enough signal to read sensitivity to the US dollar, long-term interest rates, Fed net liquidity, real (inflation-adjusted) rates.
Management & capital allocation
volatileEarnings setup & market context
The next print and the backdrop around it (sector regime and the AI cycle). Context for the path, not a forecast of returns.
Earnings setup · pre-print positioning
forward-looking
Strongly bearish4 analysts, 75% Buyfor period ending 2026-06-30
Why this setup
Consensus revisions
EPS estimate $0.39 → $0.39 (+0.0% / 30d). 0 raised, 3 cut, 4 covering analysts.
Rating actions
0 upgrades, 0 downgrades / 30d. 75% of analysts rate Buy.
Material events
0 positive, 0 negative / 30d.
Sector context
Intermediate · WeeklySector phase: financials is in growth, with decelerating (~3.2 years in phase).
Sector regime (90d momentum): headwind.Secular epoch: by revenue growth.Management scorecard
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Long-term · 1–3 yr
Overall: weak
- Capital allocation
- weak
- Earnings discipline
- weak
- Margin discipline
- weak
- Balance sheet
- neutral
- Post-call reaction
- weak
A guidance track record builds as the company issues and delivers on guidance.
How bumpy is the path
(risk while you hold it)Risk: how this stock moves
What a normal day, a bad day, and the worst of the last year would mean for a $10,000 position.
Intermediate · WeeklyLong-term · 1–3 yr
On a typical day, $10k can swing ±$94.
How much price usually moves either way.
On a bad day, this stock has moved -$336.
A rough but not unusual down day (about the 95th percentile).
In the worst 12 months, $10k could have lost $2,286.
Deepest peak-to-trough drop in the last year.
moderateas of 2026-06-16
Past results, not a forecast. Not investment advice.
What would change the read
(catalysts & re-read triggers)What changed
The most important moves since the prior daily snapshot.
Short-term · Daily
- No material changes since the prior snapshot.
No material changes since the prior snapshot.
as of 2026-06-16
What to watch next
Specific, dated things to watch for, each with what would confirm it and what would prove it wrong.
Intermediate · Weekly
- Either wayHigh confidenceWeeksactive 4d
Watch for the FOMC decision on June 17
Why it matters: The FOMC decision can change interest rates and how banks lend. This affects how much money banks make and how investors feel.
What confirms / what disproves
Confirms one read:FOMC raises interest rates. This helps banks make more money.
Confirms the other:FOMC cuts interest rates. This makes it harder for banks to lend.
Sector context
News catalysts
Recent news graded against this company's own objectives — whether it reinforces or challenges the thesis, and how confirmed it is.
No graded news catalysts for AMTB yet.
This sector is also watching
- Watch for revenue growth dropping below 10% across major banks
What could change this view
Conditional scenarios: if X happens, the view would shift in this direction. These are not predictions.
Intermediate · Weekly
Upside triggers
- If sector bellwethers like HDB, IBN, and PNC keep beating earnings and guiding higher, the Financials sector momentum should keep lifting AMTB and other Financials names. Worth watching these names for early signals.
- If AMTB raises forward guidance on the next earnings call (currently NEW as of 2026-04-23), that's a momentum boost. Street estimates typically follow guidance up and the stock tends to re-rate higher.
Downside triggers
- If AMTB cuts guidance on the next call (currently NEW as of 2026-04-23), that's a meaningful negative. The Street tends to walk down estimates and the stock usually takes a leg lower.
- If the Fed starts cutting rates from the current 3.62%, that would weigh on AMTB and other Financials names, since the sector usually outperforms when rates stay high.
- If sector bellwethers like HDB, IBN, and PNC start missing or guiding lower, the Financials tailwind helping AMTB and other Financials names could fade. Watch these names for early warning.
Recent events
(material 8-K / filing activity)Material updates
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
- 2026-05-2919d agoItem 5.02
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers. On May 26, 2026, Amerant Bancorp Inc. (the “Company”) and its subsidiary, Amerant Bank, N.A. (the “Bank”), appointed Adrian Rodriguez as Executive Vice President and Chief Operating Officer, effective as of May 26, 2026 (the “Effective Date”). Mr. Rodriguez had been serving as Interim Chief Operating Officer since November 10, 2025, as previously d…
Executive changeneutral
Score history
Whether the overall read has been drifting up or down lately, and how it's changed since last week.
About the same as last weeklatest as of 2026-06-16
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.