AMTB
Amerant Bancorp Inc.
Banks - Regional
Market Cap$991M
5Y Perf.+56.9%
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Side-by-side financial analysisAMTB
OCFC
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Stock Comparison
AMTB vs OCFC
Revenue, margins, valuation, and 5-year total return — side by side.
OCFC
OceanFirst Financial Corp.
Banks - Regional
Market Cap$1.03B
5Y Perf.+2.3%
AMTB vs OCFC — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot |  AMTB |  OCFC |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $991M | $1.03B |
| Revenue (TTM) | $521M | $660M |
| Net Income (TTM) | $58M | $71M |
| Gross Margin | 55.6% | 54.8% |
| Operating Margin | 9.7% | 14.0% |
| Forward P/E | 13.1x | 9.5x |
| Total Debt | $1.04B | $1.63B |
| Cash & Equiv. | $470M | $135M |
AMTB vs OCFC — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
AMTB
OCFC
| Stock | Jun 20 | Jun 26 | Return |
|---|---|---|---|
| Amerant Bancorp Inc. (AMTB) | 100 | 156.9 | +56.9% |
| OceanFirst Financia… (OCFC) | 100 | 102.3 | +2.3% |
Price return only. Dividends and distributions are not included.
Quick Verdict: AMTB vs OCFC
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: OCFC 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.
🥇OCFC 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 long-term compounding.
- Rev growth 14.0%, EPS growth 386.4%
- 40.4% 10Y total return vs OCFC's 34.3%
- NIM 3.7% vs OCFC's 2.5%
Best for: growth exposure and long-term compounding
OCFC
OceanFirst Financial Corp.
The Banking Pick
OCFC carries the broadest edge in this set and is the clearest fit for income & stability and sleep-well-at-night.
- Dividend streak 0 yrs, beta 0.83, yield 4.7%
- Lower volatility, beta 0.83, Low D/E 98.3%, current ratio 0.13x
- Beta 0.83, yield 4.7%, current ratio 0.13x
Best for: income & stability and sleep-well-at-night
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth |  AMTB | 14.0% NII/revenue growth vs OCFC's -4.7% |
| Value |  OCFC | Lower P/E (9.5x vs 13.1x) |
| Quality / Margins | OCFC | Efficiency ratio 0.4% vs AMTB's 0.5% (lower = leaner) |
| Stability / Safety | OCFC | Beta 0.83 vs AMTB's 0.93, lower leverage |
| Dividends | OCFC | 4.7% yield, vs AMTB's 1.2% |
| Momentum (1Y) | AMTB | +44.5% vs OCFC's +12.3% |
| Efficiency (ROA) | OCFC | Efficiency ratio 0.4% vs AMTB's 0.5% |
AMTB vs OCFC — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2018
FY 2025
AMTB vs OCFC — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLAMTBLAGGINGOCFC
OCFCOceanFirst Financial …
1leads
AMTBAmerant Bancorp Inc.
3leads
6 Total Categories
CATEGORYLEADERvs OCFCMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
AMTB4/5
Valuation MetricsMultiples, price ratios, and targets
Tied
—
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
AMTB6/9
Total Returns1Y, 3Y, 5Y total returns with dividends
AMTB6/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
OCFC1/1
Income & Cash Flow (Last 12 Months)
AMTB leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
OCFC and AMTB operate at a comparable scale, with $660M and $521M in trailing revenue. Profitability is closely matched — net margins range from 11.2% (AMTB) to 10.7% (OCFC).
| Metric | AMTBAmerant Bancorp I… | OCFCOceanFirst Financ… |
|---|---|---|
| RevenueTrailing 12 months | $521M | $660M |
| EBITDAEarnings before interest/tax | $54M | $103M |
| Net IncomeAfter-tax profit | $58M | $71M |
| Free Cash FlowCash after capex | $111M | $80M |
| Gross MarginGross profit ÷ Revenue | +55.6% | +54.8% |
| Operating MarginEBIT ÷ Revenue | +9.7% | +14.0% |
| Net MarginNet income ÷ Revenue | +11.2% | +10.7% |
| FCF MarginFCF ÷ Revenue | +21.4% | +12.0% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +57.1% | -36.1% |
AMTB leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
Evenly matched — AMTB and OCFC each lead in 3 of 6 comparable metrics.
Valuation Metrics
At 15.4x trailing earnings, OCFC trades at a 18% valuation discount to AMTB's 18.7x P/E. On an enterprise value basis, AMTB's 22.1x EV/EBITDA is more attractive than OCFC's 27.2x.
| Metric | AMTBAmerant Bancorp I… | OCFCOceanFirst Financ… |
|---|---|---|
| Market CapShares × price | $991M | $1.0B |
| Enterprise ValueMkt cap + debt − cash | $1.6B | $2.5B |
| Trailing P/EPrice ÷ TTM EPS | 18.73x | 15.41x |
| Forward P/EPrice ÷ next-FY EPS est. | 13.13x | 9.48x |
| PEG RatioP/E ÷ EPS growth rate | — | 5.54x |
| EV / EBITDAEnterprise value multiple | 22.07x | 27.17x |
| Price / SalesMarket cap ÷ Revenue | 1.51x | 1.58x |
| Price / BookPrice ÷ Book value/share | 1.03x | 0.62x |
| Price / FCFMarket cap ÷ FCF | 10.12x | 13.02x |
Evenly matched — AMTB and OCFC each lead in 3 of 6 comparable metrics.
Profitability & Efficiency
AMTB leads this category, winning 6 of 9 comparable metrics.
Profitability & Efficiency
AMTB delivers a 6.3% return on equity — every $100 of shareholder capital generates $6 in annual profit, vs $4 for OCFC. OCFC carries lower financial leverage with a 0.98x debt-to-equity ratio, signaling a more conservative balance sheet compared to AMTB's 1.11x. On the Piotroski fundamental quality scale (0–9), AMTB scores 7/9 vs OCFC's 6/9, reflecting strong financial health.
| Metric | AMTBAmerant Bancorp I… | OCFCOceanFirst Financ… |
|---|---|---|
| ROE (TTM)Return on equity | +6.3% | +4.3% |
| ROA (TTM)Return on assets | +0.7% | +0.5% |
| ROICReturn on invested capital | +2.6% | +2.2% |
| ROCEReturn on capital employed | +2.2% | +2.7% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 6 |
| Debt / EquityFinancial leverage | 1.11x | 0.98x |
| Net DebtTotal debt minus cash | $571M | $1.5B |
| Cash & Equiv.Liquid assets | $470M | $135M |
| Total DebtShort + long-term debt | $1.0B | $1.6B |
| Interest CoverageEBIT ÷ Interest expense | 0.29x | 0.33x |
AMTB leads this category, winning 6 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
AMTB leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in AMTB five years ago would be worth $12,272 today (with dividends reinvested), compared to $10,761 for OCFC. Over the past 12 months, AMTB leads with a +44.5% total return vs OCFC's +12.3%. The 3-year compound annual growth rate (CAGR) favors AMTB at 8.8% vs OCFC's 8.0% — a key indicator of consistent wealth creation.
| Metric | AMTBAmerant Bancorp I… | OCFCOceanFirst Financ… |
|---|---|---|
| YTD ReturnYear-to-date | +20.6% | +3.3% |
| 1-Year ReturnPast 12 months | +44.5% | +12.3% |
| 3-Year ReturnCumulative with dividends | +28.9% | +26.0% |
| 5-Year ReturnCumulative with dividends | +22.7% | +7.6% |
| 10-Year ReturnCumulative with dividends | +40.4% | +34.3% |
| CAGR (3Y)Annualised 3-year return | +8.8% | +8.0% |
AMTB leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
Evenly matched — AMTB and OCFC each lead in 1 of 2 comparable metrics.
Risk & Volatility
OCFC is the less volatile stock with a 0.83 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 OCFC's 87.5% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | AMTBAmerant Bancorp I… | OCFCOceanFirst Financ… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.93x | 0.83x |
| 52-Week HighHighest price in past year | $24.38 | $20.61 |
| 52-Week LowLowest price in past year | $15.62 | $16.09 |
| % of 52W HighCurrent price vs 52-week peak | +96.8% | +87.5% |
| RSI (14)Momentum oscillator 0–100 | 53.4 | 45.5 |
| Avg Volume (50D)Average daily shares traded | 226K | 804K |
Evenly matched — AMTB and OCFC each lead in 1 of 2 comparable metrics.
Analyst Outlook
OCFC leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
Wall Street rates AMTB as "Hold" and OCFC as "Hold". Consensus price targets imply 5.4% upside for OCFC (target: $19) vs 1.7% for AMTB (target: $24). For income investors, OCFC offers the higher dividend yield at 4.66% vs AMTB's 1.18%.
| Metric | AMTBAmerant Bancorp I… | OCFCOceanFirst Financ… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Hold |
| Price TargetConsensus 12-month target | $24.00 | $19.00 |
| # AnalystsCovering analysts | 7 | 8 |
| Dividend YieldAnnual dividend ÷ price | +1.2% | +4.7% |
| Dividend StreakConsecutive years of raises | 0 | 0 |
| Dividend / ShareAnnual DPS | $0.28 | $0.84 |
| Buyback YieldShare repurchases ÷ mkt cap | +2.0% | +7.9% |
OCFC leads this category, winning 1 of 1 comparable metric.
Key Takeaway
AMTB leads in 3 of 6 categories (Income & Cash Flow, Profitability & Efficiency). OCFC leads in 1 (Analyst Outlook). 2 tied.
Best OverallAmerant Bancorp Inc. (AMTB)Leads 3 of 6 categories
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AMTB vs OCFC: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is AMTB or OCFC 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 -4. 7% for OceanFirst Financial Corp. (OCFC). OceanFirst Financial Corp. (OCFC) offers the better valuation at 15. 4x trailing P/E (9. 5x 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 OCFC?
On trailing P/E, OceanFirst Financial Corp.
(OCFC) is the cheapest at 15. 4x versus Amerant Bancorp Inc. at 18. 7x. On forward P/E, OceanFirst Financial Corp. is actually cheaper at 9. 5x.
03Which is the better long-term investment — AMTB or OCFC?
Over the past 5 years, Amerant Bancorp Inc.
(AMTB) delivered a total return of +22. 7%, compared to +7. 6% for OceanFirst Financial Corp. (OCFC). Over 10 years, the gap is even starker: AMTB returned +40. 4% versus OCFC's +34. 3%. 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 OCFC?
By beta (market sensitivity over 5 years), OceanFirst Financial Corp.
(OCFC) is the lower-risk stock at 0. 83β versus Amerant Bancorp Inc. 's 0. 93β — meaning AMTB is approximately 12% more volatile than OCFC relative to the S&P 500. On balance sheet safety, OceanFirst Financial Corp. (OCFC) carries a lower debt/equity ratio of 98% versus 111% for Amerant Bancorp Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — AMTB or OCFC?
By revenue growth (latest reported year), Amerant Bancorp Inc.
(AMTB) is pulling ahead at 14. 0% versus -4. 7% for OceanFirst Financial Corp. (OCFC). On earnings-per-share growth, the picture is similar: Amerant Bancorp Inc. grew EPS 386. 4% year-over-year, compared to -29. 1% for OceanFirst Financial Corp.. 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 OCFC?
OceanFirst Financial Corp.
(OCFC) is the more profitable company, earning 10. 8% net margin versus 8. 0% for Amerant Bancorp Inc. — meaning it keeps 10. 8% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: OCFC leads at 14. 1% versus 10. 1% for AMTB. At the gross margin level — before operating expenses — AMTB leads at 57. 4%, 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 OCFC more undervalued right now?
On forward earnings alone, OceanFirst Financial Corp.
(OCFC) trades at 9. 5x forward P/E versus 13. 1x for Amerant Bancorp Inc. — 3. 7x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for OCFC: 5. 4% to $19. 00.
08Which pays a better dividend — AMTB or OCFC?
All stocks in this comparison pay dividends.
OceanFirst Financial Corp. (OCFC) offers the highest yield at 4. 7%, versus 1. 2% for Amerant Bancorp Inc. (AMTB).
09Is AMTB or OCFC better for a retirement portfolio?
For long-horizon retirement investors, OceanFirst Financial Corp.
(OCFC) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 83), 4. 7% yield). Both have compounded well over 10 years (OCFC: +34. 3%, 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 OCFC?
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; OCFC 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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