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Stock Ratings / Financials / AMTB
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Amerant Bancorp Inc. (Class A) (AMTB) — RQD Stock Rating Cockpit

$30.44 +1.67% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $30.47

Amerant Bancorp Inc. (Class A) (AMTB) carries a Roarable Rating of C+ (Hold) with 66/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $1.17B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on AMTB Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is AMTB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, Amerant Bancorp Inc. (Class A) (NYSE: AMTB) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 66/100 at a spot price of $30.44 (+1.67% 1D, market cap $1.17B). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 16/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, AMTB ranks #213 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does AMTB compare to MCB and NBN in the Financials sector?
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Within the Financials sector (Major Banks), AMTB carries a Roarable C+ (66/100 RQD), trailing P/E of 22.4x, gross margin of —, and ROIC of 5.6%. By comparison, MCB (Metropolitan Bank Holding Corp.) holds a C+ grade (66/100 RQD, P/E 16.8x, ROIC 9.6%, cap $1.18B) and NBN (Northeast Bank) posts a D grade (51/100 RQD, P/E N/A, ROIC —, cap $1.12B). Among the 5-stock peer group, OSBC leads on earnings multiple (15.6x) while FSBC leads on capital efficiency (13.8% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for AMTB?
▼

Per AMTB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001734342), Amerant Bancorp Inc. (Class A) generated $4.11B in revenue (-1.3% YoY), $52.4M in net income, and $129.2M in free cash flow against $9.78B in total assets and $0 in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $30.47 (+0.11%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 3.1% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 66/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.4% avg 90D alpha vs SPY • 56.0% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C+
025507510066
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw C+ · Rk C
Cash (10)Whales (16)SEC (13)Macro (12)CEO (15)
Each axis scored 0–20
12M PRICE TARGET CONE+3.6% Base Target
$37 Bull$32 Base$25 Bear
📬 FREE AMTB RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for AMTB)Realized 20D OHLCV Swing Band: ±5.3%
Deterministic 5-Pillar Attribution (66/100 Composite)
🔍 WHY AMTB SCORES 66/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Whale & Options Positioning+16/20 pts (24% of score)

20D Institutional Volume Accumulation (±5.3% realized swing band)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+15/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 75% Net Buy • Cannibal Buyback (-2.08% YoY Shares)

▼ #1 Drag / Risk Factor: Cash Engine Quality10/20 pts (-10 pt drag)

Capital intensity & 0% operating margin leave 10 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
58
Grade C$28.89+0.6% Next Q
Q2 (-2Q)
61
Grade C$29.06+3.1% Next Q
Q3 (-1Q)
63
Grade C+$29.96+1.6% Next Q
Current
66
Grade C+$30.44+1.4% Hist 90D α
Trajectory: C (58) → C+ (66)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the AMTB Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 66/100 (C+) score, AMTB faces multiple-compression risk if 22.4x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($29.25) or 200D SMA ($25.23) invalidates the momentum regime and cuts Target Base ($31.54) toward Bear Floor ($24.60).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $AMTB• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “AMTB Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 66%NO 34%Trade / Inspect Odds →
RSI-14 MOMENTUMBULLISH MOMENTUM
58.130 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCORESOLID CORE (5–6)
5 / 99-Pt Accounting
52-WEEK LASER RANGE97% OF RANGE
L: $17$30.44H: $31
1. Money & Cash Health● WEAK
Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: DRQD 10 / 20
2. Big Money & Insiders● BUYING
Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: B+RQD 31 / 40
3. Hidden Risks & Market Weather● WATCH
SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: CRQD 25 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

Quant Analyst Panel Split (Battleground) on AMTB

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BEARISH (50)

5.6% ROIC with 42.0% gross margin and 11.03% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
BULLISH (72)

31/40 institutional & smart-money positioning score with 12/20 macro alignment.

Bull Case: Why Buyers Like AMTB
  • ✓Big institutional funds and options desks are actively positioning on the bullish side.
  • ✓Company leadership has skin in the game with net positive insider conviction.
Bear Case: What Could Go Wrong
  • !Broader market pullbacks can still drag down strong stocks in the short run.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (AMTB Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
Join Founding VIP Waitlist (No Card Required) →$100K Arena
AMTB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +34.51%⚡ TESTING RESISTANCE
2026-11-03O $29.90H $30.44L $29.90C $30.44VOL 602.9K
RES: $30.88SUP: $27.63SMA50: $29.25SMA200: $25.23
$31.58$28.57$25.56$22.55$19.54RES $30.88SUP $27.63$30.442026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

AMTB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 AMTB Butterfly Map → + Track AMTB →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
16.1%/yr Implied 5Y Growth

vs. -1.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on AMTB today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for AMTB. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for AMTB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (AMTB)

Financials Rank #213 of 1097 ⚔️ MCB vs AMTB Full Matrix →

1. Head-to-Head Financials Peer Comparison (AMTB vs. MCB, NBN, OSBC, FSBC)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Amerant Bancorp Inc. (Class A) (AMTB) ranks #213 by composite RQD confidence (66/100, grade C+) and #522 by equity capitalization ($1.17B). Within this direct 5-issuer industry benchmark cohort, OSBC leads on earnings valuation at 15.6x trailing P/E, while FSBC leads on capital efficiency and profitability with 13.8% ROIC and — gross margin. FSBC currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with AMTB at 66/100 (C+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
AMTB ACTIVE
Amerant Bancorp Inc. (Class A)
C+ 66/100 22.4x — 5.6% +1.67% $1.17B Benchmark Subject
MCB
Metropolitan Bank Holding Corp.
C+ 66/100 16.8x — 9.6% +2.30% $1.18B /mcb-vs-amtb →
NBN
Northeast Bank
D 51/100 — — — +4.96% $1.12B /nbn-vs-amtb →
OSBC
Old Second Bancorp Inc.
C 62/100 15.6x — 9.0% +3.17% $1.24B /osbc-vs-amtb →
FSBC
Five Star Bancorp
C+ 69/100 18.2x — 13.8% +1.48% $1.10B /fsbc-vs-amtb →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001734342 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Amerant Bancorp Inc. (Class A) (AMTB) reported GAAP revenue of $4.11B (-1.3% vs. FY2024 revenue of $4.16B , and +1844.3% cumulative change since FY2023) , GAAP net income of $52.4M, operating cash flow of $137.0M, and free cash flow of $129.2M (+72.8% YoY). On the balance sheet, AMTB closed FY2025 with $9.78B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $4.11B $52.4M $137.0M $129.2M $9.78B —
FY2024 (FY) 2024-12-31 $4.16B -$15.8M $82.2M $74.8M $9.90B —
FY2023 (FY) 2023-12-31 $211.2M $30.8M $26.7M $26.7M — —

3. AMTB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is AMTB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Amerant Bancorp Inc. (Class A) (NYSE: AMTB) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 66/100 at a spot price of $30.44 (+1.67% 1D, market cap $1.17B). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 16/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, AMTB ranks #213 in composite RQD confidence.

How does AMTB compare to MCB and NBN in the Financials sector?

Within the Financials sector (Major Banks), AMTB carries a Roarable C+ (66/100 RQD), trailing P/E of 22.4x, gross margin of —, and ROIC of 5.6%. By comparison, MCB (Metropolitan Bank Holding Corp.) holds a C+ grade (66/100 RQD, P/E 16.8x, ROIC 9.6%, cap $1.18B) and NBN (Northeast Bank) posts a D grade (51/100 RQD, P/E N/A, ROIC —, cap $1.12B). Among the 5-stock peer group, OSBC leads on earnings multiple (15.6x) while FSBC leads on capital efficiency (13.8% ROIC).

What are the biggest fundamental strengths and SEC risk factors for AMTB?

Per AMTB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001734342), Amerant Bancorp Inc. (Class A) generated $4.11B in revenue (-1.3% YoY), $52.4M in net income, and $129.2M in free cash flow against $9.78B in total assets and $0 in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is AMTB trading relative to its 50-day, 200-day, and 52-week technical levels?

AMTB last traded at $30.44 (+1.67% on volume of 788,008 shares), positioning the stock +4.07% above its 50-day simple moving average ($29.25) and +20.65% above its 200-day simple moving average ($25.23). Across its 52-week range of $16.61 to $30.85, AMTB sits at the 97.1% percentile with a 14-day RSI of 58.1 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.3% ($28.83 to $32.05).

Direct Sub-Reports: AMTB RQD Cockpit AMTB 12M Forecast AMTB Earnings & Move AMTB Dividends & DRIP AMTB Insiders & 13F AMTB Whale Options AMTB Profit Sankey AMTB News & Why
ROARABLE RATING BRIEF • RQD 66/100 (C+) ✓ SEC XBRL & RQD VERIFIED

AMTB — Amerant Bancorp Inc. (Class A): What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Amerant Bancorp Inc. (Class A) (AMTB) earns a live Roarable RQD composite score of 66/100, corresponding to a C+ letter grade (Roarable Hold) at a spot price of $30.44 (+1.67% 1D, market capitalization $1.17B).

  • Fundamental Cash Engine (10/20): Anchored by return on invested capital (ROIC) of 5.6%, gross margin of —, operating margin of —, and free cash flow yield of 11.03%.
  • Whale 13F & Options Flow (16/20) + Insider Conviction (15/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (12/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Amerant Bancorp Inc. (Class A) is a NYSE-listed issuer in the Financials sector, classified under Major Banks..2B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Amerant Bancorp Inc. (Class A) (AMTB) reported $4.11B in annual revenue (up from $4.16B in FY2024, -1.3% YoY) and $52.4M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($211.2M revenue, $30.8M net income) through FY2025, AMTB scaled operating cash flow to $137.0M and free cash flow to $129.2M, backed by $9.78B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C+ • RQD 66/100): Big institutional funds and options desks are actively positioning on the bullish side. Company leadership has skin in the game with net positive insider conviction. With Fundamental Cash Engine at 10/20 and Institutional Whale Flow at 16/20, sustained execution supports upside toward the upper end of the $16.61 – $30.85 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 22.4x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream and downstream dependencies, sector correlations, and second-order bottlenecks cannot be identified from the provided data.

  • Key Question #1: Can AMTB sustain or expand its — operating margin and 5.6% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $4.11B and free cash flow of $129.2M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is AMTB's 20.8x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

AMTB Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Amerant Bancorp Inc. (Class A) (AMTB) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to AMTB Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

AMTB Bull vs. Bear Conversation Board — What's Your Call at $30.44?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON AMTB 🐻 33% BEARISH CONVICTION
1. Pick Your Side on AMTB:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeepValue_CFA RQD DEBATE OPENER • Institutional Buy-Side 🐂 BULLISH 🎯 Target: $34.43 (+15.0%)
📌 Pinned Debate

Net income swung to $52.4M in FY 2025 from a -$15.8M loss in FY 2024, with FCF reaching $129.2M.

Net income swung to $52.4M in FY 2025 from a -$15.8M loss in FY 2024, with FCF reaching $129.2M.. When you look under the hood at AMTB, Fundamental Cash Engine is 10/20 with 0.0% gross margins and 5.6% ROIC. Bears are staring in the rearview mirror while institutional 13F flow (16/20) has been quietly accumulating below $30.85. My 12M target is $34.43.

RetailWhale_TX 🐂 BULL

Both sides have a point here — AMTB's 13/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

FO ForensicBear RQD DEBATE OPENER • 10-K Footnote Auditor 🐻 BEARISH 🎯 Target: $25.45 (-15.0%)
Spot @ $29.94

At 22.4x trailing earnings and 5.6% ROIC, the stock is priced at a premium relative to its moderate cash-return profile.

At 22.4x trailing earnings and 5.6% ROIC, the stock is priced at a premium relative to its moderate cash-return profile.. Look at the math on AMTB: paying 22.4x trailing P/E for 5.6% ROIC and 0.0% operating margins leaves zero margin of safety if Major Banks demand softens. I'd wait for a retest of $26.35 before getting long.

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