Amerant Bancorp Inc.

Amerant Bancorp Inc.

AMTBยทNASDAQ

$20.52

+4.5%
Financial ServicesBanks - Regional

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. The company offers checking, savings, and money market accounts; and certificates of deposits. It also provides variable and fixed rate commercial real estate loans; loans secured by owner-occupied properties; loans to domestic and foreign individuals primarily secured by personal residence; working capital loans, asset-based lending, participations in shared national credits, purchased receivables, and small business administration loans; 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, and wealth management and fiduciary services. Further, it provides debit and credit cards, night depositories, direct deposits, cashier's checks, safe deposit boxes, letters of credit, and 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, and banking by mobile devices, telephone, and mail. As of December 31, 2021, the company operated 24 banking centers comprising 17 in Florida and 7 in Texas. It also operates loan production offices in Tampa, Florida. 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.

At a Glance

Live Snapshot
Market Cap$859.34M
EPS-0.4400
P/E Ratio-50.87
Earnings Date01/28/2026
Amerant Bancorp Inc.

Amerant Bancorp Inc. Fair Value Envelope

AMTB ยท NASDAQ

Our analysis suggests that AMTB has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $20.52, this represents a potential HIDDEN relative to our calculated worth for Amerant Bancorp Inc..

Intrinsic Value
Current Price: $20.52

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$733.9B
+ Cash & Equivalents$566.0M
Firm Value$734.4B
- Debt$1.0B
Equity Value$733.4B
/ Shares Outstanding41,878,193B
DCF Value$17.5K
UNDERVALUED BY 85248%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$164.4M
$328.8M
$657.6M
$1.3B
$2.6B
$5.3B
$10.5B
$21.0B
$42.1B
$84.2B
Maintenance CapEx
-$3.0M
-$5.9M
-$11.8M
-$23.7M
-$47.4M
-$94.7M
-$189.5M
-$378.9M
-$757.9M
-$1.5B
Owner Earnings
$161.4M
$322.9M
$645.7M
$1.3B
$2.6B
$5.2B
$10.3B
$20.7B
$41.3B
$82.7B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$149.5M
$276.8M
$512.6M
$949.2M
$1.8B
$3.3B
$6.0B
$11.2B
$20.7B
$38.3B
Terminal Value represents 88.7% of Enterprise Value