AMTB - Amerant Bancorp Inc.
Price:
--
--
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CONSENSUS:
Hold
DETAILS
|
PRICE TARGET:
$24.00
DETAILS
HIGH:
$25.00
LOW:
$23.00
MEDIAN:
$24.00
CONSENSUS:
$24.00
UPSIDE:
6.86%
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | |||||||||||
| Revenue | 655.2 | 574.9 | 551.0 | 387.1 | 307.8 | 333.8 | 371.0 | 362.4 | 344.8 | 300.4 | 263.0 |
| Cost of Revenue | 279.3 | 330.1 | 283.4 | 86.1 | 26.2 | 159.6 | 96.7 | 90.7 | 60.1 | 69.0 | 47.1 |
| Gross Profit | 375.9 | 244.8 | 267.6 | 301.0 | 281.5 | 174.1 | 274.2 | 271.7 | 284.7 | 231.4 | 215.8 |
| Operating Expenses | |||||||||||
| R&D Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| SG&A Expenses | 165.9 | 163.1 | 156.9 | 141.7 | 127.4 | 119.2 | 141.4 | 148.0 | 139.4 | 136.8 | 129.8 |
| Other Expenses | 143.9 | 105.8 | 69.4 | 80.7 | 10.1 | 59.3 | 68.8 | 66.1 | 68.2 | 60.8 | 62.5 |
| Operating Expenses | 309.8 | 268.9 | 226.3 | 222.4 | 137.5 | 178.5 | 210.2 | 214.1 | 207.6 | 197.6 | 192.3 |
| Operating Income | |||||||||||
| Operating Income | 66.1 | (24.1) | 41.3 | 78.6 | 144.0 | (4.3) | 64.0 | 57.6 | 77.0 | 33.8 | 23.6 |
| Interest Expense | 236.7 | 269.6 | 222.1 | 72.1 | 42.7 | 71.0 | 99.9 | 90.3 | 63.6 | 46.9 | 35.9 |
| Interest Income | 597.4 | 595.6 | 548.6 | 338.8 | 247.8 | 260.6 | 313.0 | 309.4 | 273.3 | 238.8 | 208.2 |
| Profitability | |||||||||||
| EBITDA | 70.8 | (17.5) | 48.2 | 84.5 | 151.3 | 5.1 | 71.1 | 66.1 | 86.1 | 42.9 | 31.9 |
| EBIT | 66.1 | (24.1) | 41.3 | 78.6 | 144.0 | (4.3) | 64.0 | 57.6 | 77.0 | 33.8 | 23.6 |
| Income Before Tax | 66.1 | (24.1) | 41.3 | 78.6 | 144.0 | (4.3) | 64.0 | 57.6 | 77.0 | 33.8 | 23.6 |
| Income Tax Expense | 13.7 | (8.3) | 10.5 | 16.6 | 33.7 | (2.6) | 12.7 | 11.7 | 34.0 | 10.2 | 8.5 |
| Net Income | 52.4 | (15.8) | 32.5 | 63.3 | 112.9 | (1.7) | 51.3 | 45.8 | 43.1 | 23.6 | 15.0 |
| Per Share Data | |||||||||||
| EPS (Basic) | 1.26 | -0.44 | 0.97 | 1.87 | 3.04 | -0.04 | 1.21 | 1.08 | 1.23 | 0.68 | 0.43 |
| EPS (Diluted) | 1.26 | -0.44 | 0.96 | 1.85 | 3.01 | -0.04 | 1.20 | 1.08 | 1.23 | 0.68 | 0.43 |
| Shares Outstanding | 40.9 | 35.8 | 33.5 | 33.9 | 37.2 | 41.7 | 42.5 | 42.5 | 34.9 | 34.9 | 34.9 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Current Assets | ||||||||||
| Cash & Cash Equivalents | 470.2 | 566.0 | 296.0 | 248.4 | 274.2 | 214.4 | 121.3 | 85.7 | 153.4 | 135.0 |
| Short-Term Investments | 2,024.9 | 1,437.2 | 1,217.5 | 1,057.6 | 1,175.3 | 1,225.1 | 1,568.8 | 1,586.1 | 1,687.2 | 2,123.2 |
| Net Receivables | 8.1 | 0 | 0 | 156.0 | 92.5 | 93.8 | 66.9 | 73.6 | 73.1 | 70.0 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | (8.1) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Current Assets | 2,495.0 | 2,003.2 | 1,513.5 | 1,462.1 | 1,542.0 | 1,533.2 | 1,757.0 | 1,745.4 | 1,913.7 | 2,328.3 |
| Non-Current Assets | ||||||||||
| Property, Plant & Equipment | 110.6 | 131.8 | 162.1 | 181.8 | 179.0 | 110.0 | 128.8 | 123.5 | 129.4 | 148.7 |
| Goodwill | 19.2 | 19.2 | 19.2 | 19.5 | 19.5 | 19.5 | 19.5 | 19.2 | 19.2 | 19.2 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long-Term Investments | 6,620.5 | 7,188.8 | 7,398.6 | 7,089.6 | 5,616.1 | 5,813.9 | 5,789.8 | 5,943.6 | 6,089.7 | 5,683.0 |
| Other Non-Current Assets | 496.1 | 505.2 | 567.3 | 326.1 | 270.5 | 282.6 | 284.8 | 276.3 | 270.3 | 224.3 |
| Total Non-Current Assets | 7,282.0 | 7,898.6 | 8,202.8 | 7,665.7 | 6,096.4 | 6,237.7 | 6,228.4 | 6,378.9 | 6,523.1 | 6,106.0 |
| Total Assets | 9,777.0 | 9,901.7 | 9,716.3 | 9,127.8 | 7,638.4 | 7,770.9 | 7,985.4 | 8,124.3 | 8,436.8 | 8,434.3 |
| Current Liabilities | ||||||||||
| Account Payables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 69.2 | 53.1 |
| Short-Term Debt | 0 | 59.8 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 50 |
| Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 5,790.9 | 7,854.6 | 7,894.9 | 7,044.2 | 5,630.9 | 5,731.6 | 5,757.1 | 6,032.7 | 6,323.0 | 6,577.4 |
| Total Current Liabilities | 5,790.9 | 7,914.4 | 7,894.9 | 7,044.2 | 5,630.9 | 5,731.6 | 5,757.1 | 6,032.7 | 6,392.2 | 6,680.4 |
| Non-Current Liabilities | ||||||||||
| Long-Term Debt | 923.4 | 838.8 | 798.2 | 1,059.2 | 932.6 | 1,172.8 | 1,327.2 | 1,284.1 | 1,291.1 | 1,049.1 |
| Deferred Tax Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 2,006.5 | 152.0 | 164.1 | 178.6 | 106.4 | 83.1 | 66.3 | 60.1 | 0 | 0 |
| Total Non-Current Liabilities | 3,047.3 | 1,096.8 | 1,085.4 | 1,377.9 | 1,175.7 | 1,255.8 | 1,393.6 | 1,344.2 | 1,291.1 | 1,049.1 |
| Total Liabilities | 8,838.2 | 9,011.3 | 8,980.3 | 8,422.1 | 6,806.5 | 6,987.5 | 7,150.7 | 7,376.9 | 7,683.3 | 7,729.5 |
| Stockholders' Equity | ||||||||||
| Common Stock | 4.1 | 4.2 | 3.4 | 3.4 | 3.6 | 3.8 | 4.7 | 4.5 | 4.2 | 12.7 |
| Retained Earnings | 619.6 | 582.2 | 610.8 | 590.4 | 553.2 | 442.4 | 444.1 | 393.7 | 387.8 | 343.7 |
| Accumulated Other Comprehensive Income | (0.9) | (39.8) | (70.8) | (80.6) | 15.2 | 31.7 | 13.2 | (18.2) | (6.1) | (10.7) |
| Total Stockholders' Equity | 938.8 | 890.5 | 736.1 | 707.8 | 834.5 | 783.4 | 834.7 | 747.4 | 753.5 | 704.7 |
| Total Liabilities & Equity | 9,777.0 | 9,901.7 | 9,716.3 | 9,127.8 | 7,638.4 | 7,770.9 | 7,985.4 | 8,124.3 | 8,436.8 | 8,434.3 |
| Debt Metrics | ||||||||||
| Total Debt | 1,040.9 | 1,004.7 | 921.3 | 1,199.3 | 1,069.2 | 1,172.8 | 1,327.2 | 1,284.1 | 1,291.1 | 1,099.1 |
| Net Debt | 570.7 | 438.7 | 625.3 | 950.9 | 795.0 | 958.4 | 1,205.9 | 1,198.4 | 1,137.7 | 964.1 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||
| Net Income | 51.6 | (15.8) | 30.8 | 62.0 | 110.3 | (1.7) | 51.3 | 45.8 | 43.1 | 23.6 |
| Depreciation & Amortization | 4.6 | 6.6 | 6.8 | 5.9 | 7.3 | 9.4 | 7.1 | 8.5 | 9.0 | 9.1 |
| Stock-Based Compensation | 3.6 | 5.0 | 6.8 | 5.8 | 4.8 | 2.3 | 6.4 | 0.2 | 0 | 0 |
| Change in Working Capital | (20.5) | 0.2 | (30.3) | 5.7 | 30.5 | (13.8) | 12.1 | (5.2) | 7.4 | 4.3 |
| Other Non-Cash Items | 62.2 | 86.0 | 18.1 | (133.5) | (91.5) | 72.6 | 0.9 | 11.6 | (0.9) | 42.3 |
| Operating Cash Flow | 100.5 | 82.2 | 26.7 | (49.2) | 67.4 | 57.2 | 78.4 | 62.2 | 73.3 | 75.3 |
| Investing Activities | ||||||||||
| Capital Expenditure | (2.5) | (7.4) | (10.9) | (10.6) | (6.6) | (5.6) | (14.3) | (10.0) | (8.6) | (8.5) |
| Acquisitions | 0 | (73.9) | (2.0) | 0 | (1.0) | 0 | (14.4) | 7.5 | 0 | 0 |
| Purchases of Investments | (913.0) | (735.6) | (266.6) | (419.4) | (526.3) | (399.2) | (445.9) | (216.2) | (321.9) | (1,084.0) |
| Sales/Maturities of Investments | 153.4 | 703.7 | 130.1 | 262 | 509.6 | 797.0 | 508.5 | 284.4 | 655.6 | 986.0 |
| Other Investing Activities | 261.1 | (463.4) | (457.2) | (1,229.3) | 409.6 | (105.9) | 171.9 | 140.9 | (317.6) | (215.7) |
| Investing Cash Flow | (501.1) | (576.7) | (606.6) | (1,397.2) | 385.3 | 286.3 | 205.8 | 206.5 | 7.6 | (322.2) |
| Financing Activities | ||||||||||
| Net Debt Issuance | 26.6 | 101.6 | (222.0) | 134.8 | (244.1) | (154.7) | 42.2 | (6.1) | 242 | 209.5 |
| Stock Repurchased | (20) | (7.6) | (4.9) | (72.1) | (48.0) | (70.3) | (30.2) | (17.9) | 0 | 0 |
| Dividends Paid | (11.4) | (12.8) | (12.1) | (12.2) | 0 | 0 | 0 | (40) | 0 | 0 |
| Other Financing Activities | 445.9 | 526.0 | 850.1 | 1,412.3 | (100.8) | (25.5) | (289.9) | (290.3) | (304.4) | 34.2 |
| Financing Cash Flow | 441.1 | 763.0 | 611.2 | 1,462.8 | (392.9) | (250.5) | (248.6) | (336.4) | (62.4) | 243.7 |
| Cash Position | ||||||||||
| Net Change in Cash | 40.5 | 268.5 | 31.3 | 16.4 | 59.8 | 93.1 | 35.6 | (67.7) | 18.5 | (3.3) |
| Cash at Beginning | 590.4 | 321.9 | 290.6 | 274.2 | 214.4 | 121.3 | 85.7 | 153.4 | 135.0 | 138.3 |
| Cash at End | 630.9 | 590.4 | 321.9 | 290.6 | 274.2 | 214.4 | 121.3 | 85.7 | 153.4 | 135.0 |
| Free Cash Flow | 98.0 | 74.8 | 15.8 | (59.8) | 60.9 | 51.7 | 64.1 | 52.1 | 64.7 | 66.7 |
| Key Metrics | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||
| Revenue | 655.2 | 574.9 | 551.0 | 387.1 | 307.8 | 333.8 | 371.0 | 362.4 | 344.8 | 300.4 | 263.0 |
| Gross Profit | 375.9 | 244.8 | 267.6 | 301.0 | 281.5 | 174.1 | 274.2 | 271.7 | 284.7 | 231.4 | 215.8 |
| Operating Income | 66.1 | (24.1) | 41.3 | 78.6 | 144.0 | (4.3) | 64.0 | 57.6 | 77.0 | 33.8 | 23.6 |
| Net Income | 52.4 | (15.8) | 32.5 | 63.3 | 112.9 | (1.7) | 51.3 | 45.8 | 43.1 | 23.6 | 15.0 |
| EPS (Diluted) | 1.26 | -0.44 | 0.96 | 1.85 | 3.01 | -0.04 | 1.20 | 1.08 | 1.23 | 0.68 | 0.43 |
| Balance Sheet | |||||||||||
| Cash & Equivalents | 470.2 | 566.0 | 296.0 | 248.4 | 274.2 | 214.4 | 121.3 | 85.7 | 153.4 | 135.0 | |
| Total Assets | 9,777.0 | 9,901.7 | 9,716.3 | 9,127.8 | 7,638.4 | 7,770.9 | 7,985.4 | 8,124.3 | 8,436.8 | 8,434.3 | |
| Total Debt | 1,040.9 | 1,004.7 | 921.3 | 1,199.3 | 1,069.2 | 1,172.8 | 1,327.2 | 1,284.1 | 1,291.1 | 1,099.1 | |
| Stockholders' Equity | 938.8 | 890.5 | 736.1 | 707.8 | 834.5 | 783.4 | 834.7 | 747.4 | 753.5 | 704.7 | |
| Cash Flow | |||||||||||
| Operating Cash Flow | 100.5 | 82.2 | 26.7 | (49.2) | 67.4 | 57.2 | 78.4 | 62.2 | 73.3 | 75.3 | |
| Capital Expenditure | (2.5) | (7.4) | (10.9) | (10.6) | (6.6) | (5.6) | (14.3) | (10.0) | (8.6) | (8.5) | |
| Free Cash Flow | 98.0 | 74.8 | 15.8 | (59.8) | 60.9 | 51.7 | 64.1 | 52.1 | 64.7 | 66.7 | |