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Upturn AI SWOT - About
AMTB 
Amerant Bancorp Inc. (AMTB)
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Upturn Advisory Summary
04/01/2025: AMTB (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -61.23% | Avg. Invested days 19 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 867.01M USD | Price to earnings Ratio - | 1Y Target Price 27.6 |
Price to earnings Ratio - | 1Y Target Price 27.6 | ||
Volume (30-day avg) 162198 | Beta 1.06 | 52 Weeks Range 18.32 - 26.67 | Updated Date 04/1/2025 |
52 Weeks Range 18.32 - 26.67 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 1.74% | Basic EPS (TTM) -0.44 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -5.75% | Operating Margin (TTM) 16.35% |
Management Effectiveness
Return on Assets (TTM) -0.16% | Return on Equity (TTM) -1.94% |
Valuation
Trailing PE - | Forward PE 11.45 | Enterprise Value 1306606848 | Price to Sales(TTM) 3.17 |
Enterprise Value 1306606848 | Price to Sales(TTM) 3.17 | ||
Enterprise Value to Revenue 6.13 | Enterprise Value to EBITDA - | Shares Outstanding 38986100 | Shares Floating 36633682 |
Shares Outstanding 38986100 | Shares Floating 36633682 | ||
Percent Insiders 15.87 | Percent Institutions 71.87 |
Analyst Ratings
Rating 3.8 | Target Price 27 | Buy 2 | Strong Buy 1 |
Buy 2 | Strong Buy 1 | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Amerant Bancorp Inc.
Company Overview
History and Background
Amerant Bancorp Inc., formerly known as Mercantil Bank Holding Corporation, was founded in 1979. It has evolved from a traditional bank into a diversified financial services company serving businesses and individuals.
Core Business Areas
- Commercial Banking: Offers a range of commercial banking products and services, including commercial loans, lines of credit, treasury management, and trade finance.
- Retail Banking: Provides retail banking services, such as checking and savings accounts, mortgages, personal loans, and credit cards.
- Wealth Management: Offers wealth management services, including investment advisory, financial planning, and trust services.
Leadership and Structure
Amerant Bancorp Inc. is led by a board of directors and an executive management team. The organizational structure includes various departments responsible for different business functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans provided to businesses for various purposes, including working capital, expansion, and acquisitions. Market share data is not publicly available at a granular level. Competitors: Bank of America, Wells Fargo, JPMorgan Chase, and regional banks.
- Mortgages: Residential mortgages offered to individuals. Market share data is not publicly available at a granular level. Competitors: Bank of America, Wells Fargo, JPMorgan Chase, and mortgage specialists like Rocket Mortgage.
- Treasury Management Services: Services for businesses to manage their cash flow, including account reconciliation, electronic funds transfer, and lockbox services. Market share data is not publicly available at a granular level. Competitors: Bank of America, Wells Fargo, JPMorgan Chase.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, regulatory scrutiny, technological advancements, and heightened competition.
Positioning
Amerant Bancorp Inc. positions itself as a relationship-focused bank with a strong presence in South Florida. Its competitive advantages include its local market expertise and personalized service.
Total Addressable Market (TAM)
The TAM for banking services is substantial, covering all individuals and businesses requiring financial products. Amerant Bancorp Inc. focuses on a specific segment within this TAM, prioritizing relationship banking and serving international clients.
Upturn SWOT Analysis
Strengths
- Strong presence in South Florida
- Relationship-focused banking model
- Diversified financial services offerings
- Experienced management team
Weaknesses
- Limited geographic reach compared to larger banks
- Higher operating expenses
- Sensitivity to interest rate fluctuations
- Reliance on specific regional markets
Opportunities
- Expansion into new markets
- Increased adoption of digital banking technologies
- Growth in wealth management services
- Strategic acquisitions
Threats
- Increased competition from larger banks and fintech companies
- Economic downturns
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- BAC
- WFC
- JPM
Competitive Landscape
Amerant Bancorp Inc. faces competition from larger national banks and smaller regional banks. Its advantages include its local market expertise and personalized service, while its disadvantages include its limited geographic reach.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Amerant Bancorp Inc. has experienced moderate growth in recent years, driven by its expansion in South Florida and its focus on relationship banking.
Future Projections: Future growth is projected to be driven by continued expansion in existing markets, strategic acquisitions, and increased adoption of digital banking technologies. Analysts project annual revenue growth of 5-7% (placeholder).
Recent Initiatives: Recent strategic initiatives include investments in digital banking platforms, expansion of wealth management services, and partnerships with fintech companies.
Summary
Amerant Bancorp Inc. is a regional bank with a strong presence in South Florida and focused on relationship banking. Its strengths include its local market expertise and diversified financial services, but it faces challenges from larger competitors and economic conditions. Investments in digital banking and strategic acquisitions could support future growth, while maintaining profitability will be key. The bank should be mindful of interest rate risk and regulatory changes.
Similar Companies
BAC
Bank of America Corp
BAC
Bank of America Corp
FITB
Fifth Third Bancorp
FITB
Fifth Third Bancorp
JPM
JPMorgan Chase & Co
JPM
JPMorgan Chase & Co
KEY
KeyCorp
KEY
KeyCorp
WFC
Wells Fargo & Company
WFC
Wells Fargo & Company
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports (Placeholder, Needs Actual Reports)
- Market Data Providers (Placeholder)
Disclaimers:
This analysis is based on publicly available information and analyst estimates, which are subject to change. The information provided is for informational purposes only and should not be considered investment advice. Financial data provided is illustrative and may not be accurate. Please consult with a qualified financial advisor before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Amerant Bancorp Inc.
Exchange NYSE | Headquaters Coral Gables, FL, United States | ||
IPO Launch date 2018-08-29 | CEO - | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 698 | Website https://www.amerantbank.com |
Full time employees 698 | Website https://www.amerantbank.com | ||
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. It offers checking, savings, business, and money market accounts; cash management services; and certificates of deposits. The company 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, it 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, the company provides debit and credit cards, night depositories, direct deposits, cashier's checks, safe deposit boxes, and letters of credit, as well as 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 ATM, and banking by mobile devices, telephone, and mail. It operates banking centers in Florida and Texas. 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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