ScoreWhy is Amerant Bancorp, Inc. ?
1
Positive results in Jun 25
- OPERATING CASH FLOW(Y) Highest at USD 159.55 MM
- GROSS NPA (%)(Q) Lowest at 1.15%
- NII(Q) Highest at USD 90.48 MM
2
With ROA of -0.11%, it has a risky valuation with a 0.80 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -18.30%, its profits have fallen by -1090.6%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Amerant Bancorp, Inc. should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Amerant Bancorp, Inc. for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
Amerant Bancorp, Inc.
-2.59%
-0.11
36.49%
S&P 500
14.9%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
18.05%
EBIT Growth (5y)
11.45%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
28.66%
Pledged Shares
0
Institutional Holding
78.64%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
16
Industry P/E
Price to Book Value
0.90
EV to EBIT
15.84
EV to EBITDA
14.32
EV to Capital Employed
0.91
EV to Sales
1.67
PEG Ratio
0.04
Dividend Yield
1.08%
ROCE (Latest)
5.76%
ROE (Latest)
5.50%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Mildly Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bearish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend18What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 100.5 MM
NET PROFIT(HY)
Higher at USD 16.65 MM
ROCE(HY)
Highest at 0.52%
DIVIDEND PAYOUT RATIO(Y)
Highest at 136.99%
-16What is not working for the Company
ROCE(HY)
Lowest at 0.52%
GROSS NPA (%)
(Q
CREDIT DEPOSIT RATIO(HY)
Lowest at 84.93%
OPERATING PROFIT(Q)
Lowest at USD -0.16 MM
OPERATING PROFIT MARGIN(Q)
Lowest at -0.11 %
PRE-TAX PROFIT(Q)
Lowest at USD 1.9 MM
NET PROFIT(Q)
Lowest at USD 1.9 MM
EPS(Q)
Lowest at USD 0.07
Here's what is working for Amerant Bancorp, Inc.
Operating Cash Flow
Highest at USD 100.5 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Dividend Payout Ratio
Highest at 136.99%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Depreciation
Highest at USD 2.06 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Depreciation
At USD 2.06 MM has Grown at 38.53%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (USD MM)
CASA
Highest at 12.58%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Amerant Bancorp, Inc.
Pre-Tax Profit
At USD 1.9 MM has Fallen at -88.65%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (USD MM)
Net Profit
At USD 1.9 MM has Fallen at -87.88%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very negative
Net Profit (USD MM)
Non Performing Loans (%)
Highest at 2.59%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Operating Profit
Lowest at USD -0.16 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (USD MM)
Operating Profit Margin
Lowest at -0.11 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at USD 1.9 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (USD MM)
Net Profit
Lowest at USD 1.9 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (USD MM)
EPS
Lowest at USD 0.07
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (USD)
Credit Deposit Ratio
Lowest at 84.93%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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