Amerant Bancorp Inc. Class A Common Stock (AMTB)

FairStock Score: 31/100 — RISKY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at banks as leveraged trusts: value comes from credit discipline, deposit franchise, and return on equity. Amerant Bancorp is a $1.1B market-cap regional bank with 704 employees, serving individuals and businesses. The FairStock Lynch category is TURNAROUND, and the filed figures support that: FY2024 showed a net loss of $15.8M, or -$0.44 per diluted share, while FY2025 earned $52.4M, or $1.26 per diluted share. In fiscal Q2 2026, the quarter ended 2026-06-30, net income was $21.0M, or $0.53 per diluted share, after $17.9M and $0.44 in fiscal Q1 2026. But momentum is uneven: fiscal Q2 2026 net income was below the $23.0M, or $0.55 per diluted share, reported in fiscal Q2 2025. FairStock calculations put ROE at 6.13% and ROCE at 0.55%, low for a bank. At the $28.89 close on 2026-10-13, the P/E is 20.78 and P/B is 1.24. Paying 1.24 times book for a 6% ROE is not obviously cheap. The Piotroski F-Score of 7/9 is encouraging, and beta of 0.81 with a 1.25% dividend yield is modest. Yet the FairStock Score is 31/100, and I cannot see CET1, net interest margin, nonperforming loans, reserves, charge-offs, or combined ratio in the data. Without those bank-specific measures, underwriting risk is opaque. This is a speculative turnaround, not a fortress. I would need more consistent earnings and a lower price to book before calling it a value.

In plain English: Amerant is a regional bank that takes deposits and makes loans to people and businesses. It lost money in 2024 but returned to profit in 2025 and in recent quarters, though earnings are uneven and the return it earns on shareholders' money is modest. At $28.89, the price looks full compared with those profits and net assets, so it seems fair to expensive rather than clearly cheap.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer