Amerant Bancorp Inc. (AMTB) Financial Ratios
10 years of historical data (2016–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
22.07
+3% vs avg
5yr avg: 21.37
30Y Low13.8·High30.2
P/FCF
↓
10.12
↓-56% vs avg
5yr avg: 23.15
30Y Low8.2·High52.4
P/B Ratio
↓
1.03
-10% vs avg
5yr avg: 1.15
30Y Low0.7·High1.6
ROE
↓
5.7%
-6% vs avg
5yr avg: 6.1%
30Y Low-2%·High14%
Debt/EBITDA
↑
14.71
+7% vs avg
5yr avg: 13.78
30Y Low7.1·High25.6
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
AMTB Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Amerant Bancorp Inc. trades at 18.7x earnings, 12% above its 5-year average of 16.8x, sitting at the 83rd percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a premium of 38%. On a free-cash-flow basis, the stock trades at 10.1x P/FCF, 56% below the 5-year average of 23.2x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $991M | $802M | $801M | $827M | $916M | $1.3B | $634M | $936M | $553M | — | — |
| Enterprise Value | $1.6B | $1.4B | $1.2B | $1.5B | $1.9B | $2.1B | $1.6B | $2.1B | $1.8B | — | — |
| P/E Ratio → | 18.73 | 15.48 | — | 25.59 | 14.51 | 11.48 | — | 18.16 | 12.05 | — | — |
| P/S Ratio | 1.51 | 1.22 | 1.39 | 1.50 | 2.37 | 4.21 | 1.90 | 2.52 | 1.53 | — | — |
| P/B Ratio | 1.03 | 0.85 | 0.90 | 1.12 | 1.30 | 1.56 | 0.81 | 1.12 | 0.74 | — | — |
| P/FCF | 10.12 | 8.19 | 10.71 | 52.41 | — | 21.31 | 12.28 | 14.59 | 10.61 | — | — |
| P/OCF | 9.86 | 7.98 | 9.75 | 30.96 | — | 19.23 | 11.08 | 11.94 | 8.89 | — | — |
P/E links to full P/E history page with 30-year chart
AMTB EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Amerant Bancorp Inc.'s enterprise value stands at 22.1x EBITDA, roughly in line with its 5-year average of 21.4x. The Financial Services sector median is 11.4x, placing the stock at a 94% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.09 | 2.16 | 2.64 | 4.82 | 6.80 | 4.77 | 5.77 | 4.83 | — | — |
| EV / EBITDA | 22.07 | 19.40 | — | 30.16 | 22.11 | 13.83 | 315.34 | 30.11 | 26.49 | — | — |
| EV / EBIT | 23.61 | 20.75 | — | 35.15 | 23.76 | 14.52 | — | 33.45 | 30.42 | — | — |
| EV / FCF | — | 14.01 | 16.58 | 92.01 | — | 34.37 | 30.82 | 33.39 | 33.60 | — | — |
AMTB Profitability
Margins and return-on-capital ratios measuring operating efficiency
Amerant Bancorp Inc. earns an operating margin of 10.1%, below the Financial Services sector average of 20.3%. Operating margins have expanded from 7.5% to 10.1% over the past 3 years, signaling improving operational efficiency. ROE of 5.7% is modest, trailing the sector median of 9.0%. ROIC of 2.6% represents below-average returns on invested capital versus a sector median of 5.4%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 57.4% | 57.4% | 42.6% | 48.6% | 77.8% | 91.5% | 52.2% | 73.9% | 75.0% | 82.6% | 77.0% |
| Operating Margin | 10.1% | 10.1% | -4.2% | 7.5% | 20.3% | 46.8% | -1.3% | 17.3% | 15.9% | 22.3% | 11.2% |
| Net Profit Margin | 8.0% | 8.0% | -2.7% | 5.9% | 16.4% | 36.7% | -0.5% | 13.8% | 12.6% | 12.5% | 7.8% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 5.7% | 5.7% | -1.9% | 4.5% | 8.2% | 14.0% | -0.2% | 6.5% | 6.1% | 5.9% | 3.3% |
| ROA | 0.5% | 0.5% | -0.2% | 0.3% | 0.8% | 1.5% | -0.0% | 0.6% | 0.6% | 0.5% | 0.3% |
| ROIC | 2.6% | 2.6% | -1.0% | 1.7% | 3.1% | 5.6% | -0.2% | 2.3% | 2.1% | 3.0% | 1.4% |
| ROCE | 2.2% | 2.2% | -1.3% | 2.1% | 3.8% | 7.1% | -0.2% | 3.0% | 2.8% | 4.1% | 1.9% |
AMTB Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Amerant Bancorp Inc. carries a Debt/EBITDA ratio of 14.7x, which is highly leveraged (245% above the sector average of 4.3x). Net debt stands at $571M ($1.0B total debt minus $470M cash). Interest coverage of just 0.3x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.11 | 1.11 | 1.13 | 1.25 | 1.70 | 1.29 | 1.50 | 1.59 | 1.72 | 1.71 | 1.56 |
| Debt / EBITDA | 14.71 | 14.71 | — | 19.13 | 14.20 | 7.07 | 232.18 | 18.66 | 19.42 | 15.00 | 25.61 |
| Net Debt / Equity | — | 0.61 | 0.49 | 0.85 | 1.35 | 0.96 | 1.22 | 1.44 | 1.60 | 1.51 | 1.37 |
| Net Debt / EBITDA | 8.06 | 8.06 | — | 12.98 | 11.26 | 5.26 | 189.74 | 16.95 | 18.13 | 13.21 | 22.46 |
| Debt / FCF | — | 5.83 | 5.87 | 39.61 | — | 13.06 | 18.55 | 18.80 | 22.99 | 17.59 | 14.45 |
| Interest Coverage | 0.28 | 0.28 | -0.09 | 0.19 | 1.09 | 3.37 | -0.06 | 0.64 | 0.64 | 1.21 | 0.72 |
AMTB Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.43x is below 1.0, meaning current liabilities exceed current assets. The current ratio has improved from 0.19x to 0.43x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.43 | 0.43 | 0.25 | 0.19 | 0.21 | 0.27 | 0.27 | 0.31 | 0.29 | 0.30 | 0.35 |
| Quick Ratio | 0.43 | 0.43 | 0.25 | 0.19 | 0.21 | 0.27 | 0.27 | 0.31 | 0.29 | 0.30 | 0.35 |
| Cash Ratio | 0.08 | 0.08 | 0.07 | 0.04 | 0.04 | 0.05 | 0.04 | 0.02 | 0.01 | 0.02 | 0.02 |
| Asset Turnover | — | 0.07 | 0.06 | 0.06 | 0.04 | 0.04 | 0.04 | 0.05 | 0.04 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
AMTB Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Amerant Bancorp Inc. returns 3.2% to shareholders annually — split between a 1.2% dividend yield and 2.0% buyback yield. The payout ratio of 21.8% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 5.3% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 1.2% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 21.8% | 21.8% | — | 37.1% | 19.3% | — | — | — | 87.3% | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 5.3% | 6.5% | — | 3.9% | 6.9% | 8.7% | — | 5.5% | 8.3% | — | — |
| FCF Yield | 9.9% | 12.2% | 9.3% | 1.9% | — | 4.7% | 8.1% | 6.9% | 9.4% | — | — |
| Buyback Yield | 2.0% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 3.2% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $41M | $36M | $34M | $34M | $38M | $42M | $43M | $42M | $35M | $35M |
Peer Comparison
Compare AMTB with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 AMTBYou | $991M | 18.7 | 22.1 | 10.1 | 57.4% | 10.1% | 5.7% | 2.6% | 14.7 |
 OCFC | $1B | 15.4 | 27.2 | 13.0 | 54.5% | 14.1% | 4.2% | 2.2% | 17.5 |
 BUSE | $2B | 19.2 | 13.3 | 13.9 | 63.9% | 17.9% | 7.0% | 5.8% | 2.4 |
 IBCP | $706M | 10.5 | 9.5 | 10.1 | 69.6% | 25.8% | 14.3% | 10.2% | 1.4 |
 SFNC | $3B | -7.4 | — | 7.5 | 5.8% | -84.2% | -11.4% | -9.1% | — |
 INDB | $4B | 18.2 | 15.3 | 16.7 | 67.9% | 22.9% | 6.3% | 4.9% | 2.9 |
 CVBF | $3B | 13.7 | 13.2 | 13.0 | 79.9% | 43.8% | 9.3% | 6.8% | 3.5 |
 TRMK | $3B | 12.1 | 9.4 | 11.3 | 71.0% | 25.5% | 11.0% | 7.1% | 3.4 |
 BANR | $2B | 11.5 | 9.4 | 8.9 | 79.0% | 29.5% | 10.5% | 7.7% | 1.5 |
 FULT | $4B | 11.0 | 10.3 | 15.5 | 67.4% | 25.7% | 11.7% | 7.5% | 2.5 |
 WSFS | $4B | 14.6 | 7.1 | 18.3 | 74.7% | 28.0% | 10.8% | 9.5% | 0.7 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.4% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 10 years · Updated daily
Consensus-Based Analysis Tools
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Check Valuation
Historical Returns
10-year return with dividends reinvested.
Calculate
DCA Calculator
See how regular investing compounds over time.
Run Numbers
Peer Comparison
Compare growth, multiples, and margins vs sector.
Compare
AMTB — Frequently Asked Questions
Quick answers to the most common questions about buying AMTB stock.
What is Amerant Bancorp Inc.'s P/E ratio?
Amerant Bancorp Inc.'s current P/E ratio is 18.7x. The historical average is 16.2x. This places it at the 83th percentile of its historical range.
What is Amerant Bancorp Inc.'s EV/EBITDA?
Amerant Bancorp Inc.'s current EV/EBITDA is 22.1x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 23.7x.
What is Amerant Bancorp Inc.'s ROE?
Amerant Bancorp Inc.'s return on equity (ROE) is 5.7%. The historical average is 5.2%.
Is AMTB stock overvalued?
Based on historical data, Amerant Bancorp Inc. is trading at a P/E of 18.7x. This is at the 83th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Amerant Bancorp Inc.'s dividend yield?
Amerant Bancorp Inc.'s current dividend yield is 1.18% with a payout ratio of 21.8%.
What are Amerant Bancorp Inc.'s profit margins?
Amerant Bancorp Inc. has 57.4% gross margin and 10.1% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does Amerant Bancorp Inc. have?
Amerant Bancorp Inc.'s Debt/EBITDA ratio is 14.7x, indicating high leverage. A ratio above 4x may signal elevated financial risk.