AMTB
Amerant Bancorp Inc.
Banks - Regional
Market Cap$991M
5Y Perf.+56.9%
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Side-by-side financial analysisAMTB
IBCP
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Stock Comparison
AMTB vs IBCP
Revenue, margins, valuation, and 5-year total return — side by side.
IBCP
Independent Bank Corporation
Banks - Regional
Market Cap$706M
5Y Perf.+131.0%
AMTB vs IBCP — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot |  AMTB |  IBCP |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $991M | $706M |
| Revenue (TTM) | $521M | $310M |
| Net Income (TTM) | $58M | $69M |
| Gross Margin | 55.6% | 69.1% |
| Operating Margin | 9.7% | 26.2% |
| Forward P/E | 13.1x | 9.7x |
| Total Debt | $1.04B | $117M |
| Cash & Equiv. | $470M | $52M |
AMTB vs IBCP — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
AMTB
IBCP
| Stock | Jun 20 | Jun 26 | Return |
|---|---|---|---|
| Amerant Bancorp Inc. (AMTB) | 100 | 156.9 | +56.9% |
| Independent Bank Co… (IBCP) | 100 | 231.0 | +131.0% |
Price return only. Dividends and distributions are not included.
Quick Verdict: AMTB vs IBCP
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: IBCP leads in 5 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. Amerant Bancorp Inc. is the stronger pick specifically for growth and revenue expansion and recent price momentum and sentiment. As sector peers, any of these can serve as alternatives in the same allocation.
🥇IBCP emerged as the overall leader. Track its performance:
AMTB
Amerant Bancorp Inc.
The Banking Pick
AMTB is the clearest fit if your priority is growth exposure and bank quality.
- Rev growth 14.0%, EPS growth 386.4%
- NIM 3.7% vs IBCP's 3.3%
- 14.0% NII/revenue growth vs IBCP's -0.3%
Best for: growth exposure and bank quality
IBCP
Independent Bank Corporation
The Banking Pick
IBCP carries the broadest edge in this set and is the clearest fit for income & stability and long-term compounding.
- Dividend streak 11 yrs, beta 0.68, yield 3.0%
- 186.7% 10Y total return vs AMTB's 40.4%
- Lower volatility, beta 0.68, Low D/E 23.2%, current ratio 370.62x
Best for: income & stability and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth |  AMTB | 14.0% NII/revenue growth vs IBCP's -0.3% |
| Value |  IBCP | Lower P/E (9.7x vs 13.1x) |
| Quality / Margins | IBCP | Efficiency ratio 0.4% vs AMTB's 0.5% (lower = leaner) |
| Stability / Safety | IBCP | Beta 0.68 vs AMTB's 0.93, lower leverage |
| Dividends | IBCP | 3.0% yield, 11-year raise streak, vs AMTB's 1.2% |
| Momentum (1Y) | AMTB | +44.5% vs IBCP's +16.5% |
| Efficiency (ROA) | IBCP | Efficiency ratio 0.4% vs AMTB's 0.5% |
AMTB vs IBCP — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2018
FY 2021
AMTB vs IBCP — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLIBCPLAGGINGAMTB
AMTBAmerant Bancorp Inc.
0leads
IBCPIndependent Bank Corp…
5leads
6 Total Categories
CATEGORYLEADERvs AMTBMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
IBCP4/5
Valuation MetricsMultiples, price ratios, and targets
IBCP4/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
IBCP9/9
Total Returns1Y, 3Y, 5Y total returns with dividends
IBCP4/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
IBCP2/2
Income & Cash Flow (Last 12 Months)
IBCP leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
AMTB is the larger business by revenue, generating $521M annually — 1.7x IBCP's $310M. IBCP is the more profitable business, keeping 22.1% of every revenue dollar as net income compared to AMTB's 11.2%.
| Metric | AMTBAmerant Bancorp I… | IBCPIndependent Bank … |
|---|---|---|
| RevenueTrailing 12 months | $521M | $310M |
| EBITDAEarnings before interest/tax | $54M | $89M |
| Net IncomeAfter-tax profit | $58M | $69M |
| Free Cash FlowCash after capex | $111M | $70M |
| Gross MarginGross profit ÷ Revenue | +55.6% | +69.1% |
| Operating MarginEBIT ÷ Revenue | +9.7% | +26.2% |
| Net MarginNet income ÷ Revenue | +11.2% | +22.1% |
| FCF MarginFCF ÷ Revenue | +21.4% | +22.6% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +57.1% | +2.3% |
IBCP leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
IBCP leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
At 10.5x trailing earnings, IBCP trades at a 44% valuation discount to AMTB's 18.7x P/E. On an enterprise value basis, IBCP's 9.5x EV/EBITDA is more attractive than AMTB's 22.1x.
| Metric | AMTBAmerant Bancorp I… | IBCPIndependent Bank … |
|---|---|---|
| Market CapShares × price | $991M | $706M |
| Enterprise ValueMkt cap + debt − cash | $1.6B | $771M |
| Trailing P/EPrice ÷ TTM EPS | 18.73x | 10.49x |
| Forward P/EPrice ÷ next-FY EPS est. | 13.13x | 9.66x |
| PEG RatioP/E ÷ EPS growth rate | — | 1.99x |
| EV / EBITDAEnterprise value multiple | 22.07x | 9.48x |
| Price / SalesMarket cap ÷ Revenue | 1.51x | 2.24x |
| Price / BookPrice ÷ Book value/share | 1.03x | 1.42x |
| Price / FCFMarket cap ÷ FCF | 10.12x | 10.07x |
IBCP leads this category, winning 4 of 6 comparable metrics.
Profitability & Efficiency
IBCP leads this category, winning 9 of 9 comparable metrics.
Profitability & Efficiency
IBCP delivers a 14.2% return on equity — every $100 of shareholder capital generates $14 in annual profit, vs $6 for AMTB. IBCP carries lower financial leverage with a 0.23x debt-to-equity ratio, signaling a more conservative balance sheet compared to AMTB's 1.11x. On the Piotroski fundamental quality scale (0–9), IBCP scores 8/9 vs AMTB's 7/9, reflecting strong financial health.
| Metric | AMTBAmerant Bancorp I… | IBCPIndependent Bank … |
|---|---|---|
| ROE (TTM)Return on equity | +6.3% | +14.2% |
| ROA (TTM)Return on assets | +0.7% | +1.3% |
| ROICReturn on invested capital | +2.6% | +10.2% |
| ROCEReturn on capital employed | +2.2% | +2.6% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 8 |
| Debt / EquityFinancial leverage | 1.11x | 0.23x |
| Net DebtTotal debt minus cash | $571M | $65M |
| Cash & Equiv.Liquid assets | $470M | $52M |
| Total DebtShort + long-term debt | $1.0B | $117M |
| Interest CoverageEBIT ÷ Interest expense | 0.29x | 0.91x |
IBCP leads this category, winning 9 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
IBCP leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in IBCP five years ago would be worth $18,526 today (with dividends reinvested), compared to $12,272 for AMTB. Over the past 12 months, AMTB leads with a +44.5% total return vs IBCP's +16.5%. The 3-year compound annual growth rate (CAGR) favors IBCP at 28.6% vs AMTB's 8.8% — a key indicator of consistent wealth creation.
| Metric | AMTBAmerant Bancorp I… | IBCPIndependent Bank … |
|---|---|---|
| YTD ReturnYear-to-date | +20.6% | +8.3% |
| 1-Year ReturnPast 12 months | +44.5% | +16.5% |
| 3-Year ReturnCumulative with dividends | +28.9% | +112.6% |
| 5-Year ReturnCumulative with dividends | +22.7% | +85.3% |
| 10-Year ReturnCumulative with dividends | +40.4% | +186.7% |
| CAGR (3Y)Annualised 3-year return | +8.8% | +28.6% |
IBCP leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
Evenly matched — AMTB and IBCP each lead in 1 of 2 comparable metrics.
Risk & Volatility
IBCP is the less volatile stock with a 0.68 beta — it tends to amplify market swings less than AMTB's 0.93 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. AMTB currently trades 96.8% from its 52-week high vs IBCP's 87.6% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | AMTBAmerant Bancorp I… | IBCPIndependent Bank … |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.93x | 0.68x |
| 52-Week HighHighest price in past year | $24.38 | $39.16 |
| 52-Week LowLowest price in past year | $15.62 | $29.63 |
| % of 52W HighCurrent price vs 52-week peak | +96.8% | +87.6% |
| RSI (14)Momentum oscillator 0–100 | 53.4 | 49.3 |
| Avg Volume (50D)Average daily shares traded | 226K | 139K |
Evenly matched — AMTB and IBCP each lead in 1 of 2 comparable metrics.
Analyst Outlook
IBCP leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates AMTB as "Hold" and IBCP as "Hold". Consensus price targets imply 10.8% upside for IBCP (target: $38) vs 1.7% for AMTB (target: $24). For income investors, IBCP offers the higher dividend yield at 3.02% vs AMTB's 1.18%.
| Metric | AMTBAmerant Bancorp I… | IBCPIndependent Bank … |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Hold |
| Price TargetConsensus 12-month target | $24.00 | $38.00 |
| # AnalystsCovering analysts | 7 | 7 |
| Dividend YieldAnnual dividend ÷ price | +1.2% | +3.0% |
| Dividend StreakConsecutive years of raises | 0 | 11 |
| Dividend / ShareAnnual DPS | $0.28 | $1.03 |
| Buyback YieldShare repurchases ÷ mkt cap | +2.0% | +1.8% |
IBCP leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
IBCP leads in 5 of 6 categories — strongest in Income & Cash Flow and Valuation Metrics. 1 category is tied.
Best OverallIndependent Bank Corporation (IBCP)Leads 5 of 6 categories
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AMTB vs IBCP: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is AMTB or IBCP a better buy right now?
For growth investors, Amerant Bancorp Inc.
(AMTB) is the stronger pick with 14. 0% revenue growth year-over-year, versus -0. 3% for Independent Bank Corporation (IBCP). Independent Bank Corporation (IBCP) offers the better valuation at 10. 5x trailing P/E (9. 7x forward), making it the more compelling value choice. Analysts rate Amerant Bancorp Inc. (AMTB) a "Hold" — based on 7 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — AMTB or IBCP?
On trailing P/E, Independent Bank Corporation (IBCP) is the cheapest at 10.
5x versus Amerant Bancorp Inc. at 18. 7x. On forward P/E, Independent Bank Corporation is actually cheaper at 9. 7x.
03Which is the better long-term investment — AMTB or IBCP?
Over the past 5 years, Independent Bank Corporation (IBCP) delivered a total return of +85.
3%, compared to +22. 7% for Amerant Bancorp Inc. (AMTB). Over 10 years, the gap is even starker: IBCP returned +186. 7% versus AMTB's +40. 4%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — AMTB or IBCP?
By beta (market sensitivity over 5 years), Independent Bank Corporation (IBCP) is the lower-risk stock at 0.
68β versus Amerant Bancorp Inc. 's 0. 93β — meaning AMTB is approximately 37% more volatile than IBCP relative to the S&P 500. On balance sheet safety, Independent Bank Corporation (IBCP) carries a lower debt/equity ratio of 23% versus 111% for Amerant Bancorp Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — AMTB or IBCP?
By revenue growth (latest reported year), Amerant Bancorp Inc.
(AMTB) is pulling ahead at 14. 0% versus -0. 3% for Independent Bank Corporation (IBCP). On earnings-per-share growth, the picture is similar: Amerant Bancorp Inc. grew EPS 386. 4% year-over-year, compared to 3. 5% for Independent Bank Corporation. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — AMTB or IBCP?
Independent Bank Corporation (IBCP) is the more profitable company, earning 21.
7% net margin versus 8. 0% for Amerant Bancorp Inc. — meaning it keeps 21. 7% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: IBCP leads at 25. 8% versus 10. 1% for AMTB. At the gross margin level — before operating expenses — IBCP leads at 69. 6%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is AMTB or IBCP more undervalued right now?
On forward earnings alone, Independent Bank Corporation (IBCP) trades at 9.
7x forward P/E versus 13. 1x for Amerant Bancorp Inc. — 3. 5x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for IBCP: 10. 8% to $38. 00.
08Which pays a better dividend — AMTB or IBCP?
All stocks in this comparison pay dividends.
Independent Bank Corporation (IBCP) offers the highest yield at 3. 0%, versus 1. 2% for Amerant Bancorp Inc. (AMTB).
09Is AMTB or IBCP better for a retirement portfolio?
For long-horizon retirement investors, Independent Bank Corporation (IBCP) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.
68), 3. 0% yield, +186. 7% 10Y return). Both have compounded well over 10 years (IBCP: +186. 7%, AMTB: +40. 4%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between AMTB and IBCP?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: AMTB is a small-cap quality compounder stock; IBCP is a small-cap deep-value stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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