Amerant Bancorp

AMTB

Banks - Regional · Financial Services

Price

$26.18

-0.22 (-0.83%)

Market Cap

$1.03B

Exchange

New York Stock Exchange

Winston Score

Winston is curious

Mixed quality — meaningful strengths and weaknesses.

Share count rising — dilution

+9.5% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 37.5M (2021) → 41.1M (2025)

Amerant Bancorp is a regional bank headquartered in Coral Gables, Florida. It offers everyday banking services like checking accounts, savings accounts, loans, and mortgages to individuals and businesses. The bank primarily serves customers in South Florida, with a focus on the local Hispanic community and international clients, particularly from Latin America.

Amerant makes money the traditional bank way — it collects deposits and lends that money out at higher interest rates, earning the difference. It also generates fees from services like wealth management and treasury products. The bank operates mainly in Florida, with some presence in Texas, and has roughly $9 billion in total assets, making it a mid-sized regional player. Its main competitive edge is its deep roots in the South Florida market and its relationships with Latin American clients, but rising interest rates and credit quality in its loan portfolio remain key risks to watch.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-10.7% YoY

YoY Growth Rate

Revenue declining

EPS Growth

+57.1% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

9.7%ownership

Insiders own a meaningful stake in the company

Cash Position

Cash flow positive

$9.3B cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

Amerant Bancorp's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

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Quality

Gross Margin

59.0%

Premium pricing power — 59.0% gross margin

Operating Margin

15.5%

Healthy — 15.5% operating margin

ROCE

1.3%

Weak — 1.3% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+9.7%

Steady sales growth (9.7% YoY)

EPS YoY

N/A

Data not available

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Cash Conversion

201%

Turns 201% of profit into real cash

FCF Margin

18.7%

Converts sales into free cash efficiently (18.7%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

Debt / Equity

0.90

Moderate — manageable debt (0.90)

Interest Cover

0.32x

Dangerous — barely covers interest (0.3x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

18.6x

Fair value — P/E 18.6

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

+4.4

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (18.6 → 14.2)

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Dividends

Dividend Yield

1.41%

Small dividend — 1.41% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend Growth

+0.0%

Dividend flat

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