AMTB · Amerant Bancorp Inc.
$28.69
+0.25 (+0.88%)
At close · Aug 21
Market Cap
$1.12B
Shares
39.19M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$28.69
Open$28.70
Day$28.27–28.84
52W close$16.70–30.58
Avg vol 30d431K
Short int1.5M · 3.8% float · 2.7d
Short vol38%
Last earningsJul 24, 2026
DataJan 2020–Aug 2026
Filing10-Q · Jul 31
Up next
Next earnings call
Oct 23, 2026
Est · unconfirmed
· in 9 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Jul 31, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Bearish
Fundamentals
Excellent
Quant / Vol
Moderate
Market backdrop
VIX 15.1 · calm
Equity put/call 0.51
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+26%
above
Price vs 50-day avg
+7%
above
RSI (14)
55
neutral
MACD trend
Negative
52-week position
86%
near high
Momentum
relative strength
1-month return
+1%
trailing
6-month return
+32%
trailing
YTD return
+47%
this year
Relative strength
+20%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $27 › 200d $23 — 50d above 200d
Institutional flow
Distributing
-4% holders QoQ · +21 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
3.84% of float · ▲ +3.2% MoM · 2.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
144 holders — mid 3-yr range
Squeeze score
50
elevated · 0–100
Fundamentals
EPS growth
+386%
Y/Y
Free cash flow
$129.2M
Buyback
$40.0M
authorized
Balance sheet
$274.2M
net cash
Quant / Vol
risk profile
Volatility
31%
annualized · 1-yr
Max drawdown
−23%
past year
ATR
2.6%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the 8-K filed Jul 23, 2026
by 4Q26
Total Loans
$7.3B
Total deposits
$9.1B
for the remainder of the year
Net interest margin
3.5%
4Q26
Projected expenses
Initiated
$66M – $67M
Target efficiency ratio
60%
target
Efficiency ratio
60%
Prior guidance
period ended
· from the 8-K filed Oct 28, 2025
Projected loan growth
· 4Q25
$175M
Net interest margin
· 4Q25
3.75%
Projected non-interest income
· 4Q25
$17.5M – $18M
Core expenses
· 4Q25
$74M – $75M
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+26%
Bullish
Price vs 50-day avg
+7%
Bullish
RSI (14)
55
Neutral
MACD trend
Negative
Bearish
52-week position
86%
Bullish
Market signals — smart money & positioning
Bearish · 2 of 6
Trend (MA cross)
No cross
50d $27 › 200d $23 — 50d above 200d
Institutional flow
Distributing
-4% holders QoQ · +21 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
3.84% of float · ▲ +3.2% MoM · 2.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
144 holders — mid 3-yr range
Price context
position in its 52-week range
Range low $17
Now $29 · 86%
Range high $31
vs 200-day avg +26%
vs 50-day avg +7%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Assets under management and custody | 3.37B | Three Months Ended June 30, 2026 | — |
| Average cost of total deposits | 2.21% | 2Q26 | — |
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| Average yield on loans | 6.22% | 2Q26 | — |
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| Classified Loans | $273.1M | 2Q26 | — |
| Common Equity Tier 1 | 11.94% | Q2 2026 | — |
| Cost of Deposits (Domestic) | 2.93% | 2Q26 | — |
| Cost of Deposits (International) | 0.99% | 2Q26 | — |
| Cost of FHLB Advances | 3.9% | 2Q26 | — |
| Cost of Funds | 2.38% | Q2 2026 | — |
| Cost of total deposits | 2.21% | Three Months Ended June 30, 2026 | — |
| Efficiency ratio | 68.37% | 2Q26 | — |
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| FTEs | 704 | Three Months Ended June 30, 2026 | — |
| Loan to deposit ratio | 82.17% | 2Q26 | — |
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| NCO-to-Average Total Loans Ratio | 0.08% | 2Q26 | — |
| Net Interest Margin (NIM) | 3.52% | Q2 2026 | — |
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| Non-Performing Assets | $186.6M | 2Q26 | — |
| Non-Performing Loans | $171.1M | 2Q26 | — |
| OREO | 15.54M | June 30, 2026 | — |
| Pre-tax pre-provision net revenue (PPNR) non-GAAP | 31.86M | Three Months Ended June 30, 2026 | — |
| Return on Assets (ROA) | 0.84% | Q2 2026 | — |
| Return on Equity (ROE) | 9.23% | Q2 2026 | — |
| Special Mention Loans | $109.8M | 2Q26 | — |
| Tangible common equity ratio non-GAAP | 8.69% | 2Q26 | — |
| Tangible stockholders' equity (book value) per common share non-GAAP | $22.78 | Three Months Ended June 30, 2026 | — |
| Total Capital Ratio | 14.34% | Q2 2026 | — |
| Total CRE | $2.27B | 2Q26 | — |
| Core PPNR non-GAAP | 29.3M | Q4 FY2025 | — |
| Full-Time-Equivalent Employees (FTEs) | 694 | December 31, 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
AMTB
this stock
Amerant Bancorp Inc.
|
$1.12B | +47.1% | — | — | 3.8% |
|
MFG
Mizuho Financial Group Inc
|
$124.83B | +40.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$121.52B | -35.4% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | +0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +19.4% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| AMTB | -1.7% | +0.7% | +32.0% | -3.1% | +47.1% |
| SPY | -1.4% | +3.6% | +11.6% | +2.5% | +12.3% |
| vs SPY | -0.3% | -3.0% | +20.5% | -5.6% | +34.8% |
Capital returns
Latest dividend
$0.09
/ share · ex Aug 14, 2026
Paid (TTM)
$0.36
/ share · 4 payouts
Dividend yield (TTM, derived)
1.25%
Buyback program
· as of Jan 31, 2026
Authorized
$40.00M
Spent (derived)
—
Remaining
—
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
1734342
CUSIP
023576101
13F (30d)
133 filings
132 filers
Visit website
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