MARKET WIREYahoo Finance • 1d ago
Amerant Bancorp Inc. (AMTB) Surpasses Q3 Earnings and Revenue EstimatesYahoo Finance report covering Amerant Bancorp Inc. (Class A) (AMTB) market action, institutional positioning, and fundamental catalysts.
Why AMTB Stock advanced +1.67% Today — RQD Quant Desk Flash
$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
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Click Any Pre-Computed AI Quant Specialist Briefing on AMTB Below — or Connect Your Own ChatGPT / Claude
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Is AMTB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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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?
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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:
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+
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
Each axis scored 0–20
12M PRICE TARGET CONE+3.6% Base Target
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)Grade C$28.89+0.6% Next Q
58
Q2 (-2Q)Grade C$29.06+3.1% Next Q
61
Q3 (-1Q)Grade C+$29.96+1.6% Next Q
63
CurrentGrade C+$30.44+1.4% Hist 90D α
66
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
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”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why AMTB Stock advanced +1.67% Today — RQD Quant Desk Flash
Amerant Bancorp Inc. (Class A) (AMTB) advanced +1.67% to $30.44, trading at 97% of its 52-week range ($16.61 – $30.85). Solid steady margins (6% return on capital), mixed timing at 22x P/E—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 97% of its 52-week range ($16.61 – $30.85) with RSI-14 at 58.1 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±5.3% around $30.44 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C+ (Hold) backed by 52% gross margin and $129.2M annual free cash flow.
Live AMTB Headlines & Catalysts
MARKET WIREThe Globe and Mail • 1d ago
Amerant Bancorp Declares Quarterly Cash Dividend to ShareholdersThe Globe and Mail report covering Amerant Bancorp Inc. (Class A) (AMTB) market action, institutional positioning, and fundamental catalysts.
MARKET WIREYahoo Finance • 1d ago
Implied Volatility Surging for Amerant Bancorp Stock OptionsYahoo Finance report covering Amerant Bancorp Inc. (Class A) (AMTB) market action, institutional positioning, and fundamental catalysts.
MARKET WIRESimply Wall St • 1d ago
Amerant Bancorp (AMTB) Stock Shrugs Off Q3 Earnings Credit QuestionsSimply Wall St report covering Amerant Bancorp Inc. (Class A) (AMTB) market action, institutional positioning, and fundamental catalysts.
MARKET WIREkalkine.ca • 1d ago
Amerant Bancorp (NASDAQ:AMTB) Stock: Net Interest Margin Rebound Lifts Profit but Book Value Slipskalkine.ca report covering Amerant Bancorp Inc. (Class A) (AMTB) market action, institutional positioning, and fundamental catalysts.
CATALYSTYahoo Finance • 1d ago
Amerant Bancorp (AMTB) Posted Stronger Earnings And Buybacks, Is It Fully Priced?Yahoo Finance report covering Amerant Bancorp Inc. (Class A) (AMTB) market action, institutional positioning, and fundamental catalysts.
CATALYSTSimply Wall St • 2d ago
Earnings Beat Could Change The Bull Case For Amerant Bancorp Stock (AMTB)Simply Wall St report covering Amerant Bancorp Inc. (Class A) (AMTB) market action, institutional positioning, and fundamental catalysts.
CATALYSTYahoo! Finance Canada • 2d ago
Amerant Bancorp Inc. (AMTB) Reports Next Week: Wall Street Expects Earnings GrowthYahoo! Finance Canada report covering Amerant Bancorp Inc. (Class A) (AMTB) market action, institutional positioning, and fundamental catalysts.
CATALYSTBenzinga • 8d ago
Piper Sandler Reiterates Overweight on Amerant Bancorp, Raises Price Target to $35Piper Sandler analyst Stephen Scouten reiterates Amerant Bancorp (NYSE:AMTB) with a Overweight and raises the price target from $33.5 to $35.
MARKET WIREYahoo • 9d ago
Amerant: 3 Key Takeaways for Long-Term InvestorsInternational deposits and deposit-cost discipline are reshaping the bank's margin profile as it clears legacy credit problems.
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
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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
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK
AMTB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
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 ENABLEDIs 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).
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
🟡 MARKET WIRE Yahoo Finance • 1d ago
Amerant Bancorp Inc. (AMTB) Surpasses Q3 Earnings and Revenue Estimates Yahoo Finance report covering Amerant Bancorp Inc. (Class A) (AMTB) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE The Globe and Mail • 1d ago
Amerant Bancorp Declares Quarterly Cash Dividend to Shareholders The Globe and Mail report covering Amerant Bancorp Inc. (Class A) (AMTB) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE Yahoo Finance • 1d ago
Implied Volatility Surging for Amerant Bancorp Stock Options Yahoo Finance report covering Amerant Bancorp Inc. (Class A) (AMTB) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE Simply Wall St • 1d ago
Amerant Bancorp (AMTB) Stock Shrugs Off Q3 Earnings Credit Questions Simply Wall St report covering Amerant Bancorp Inc. (Class A) (AMTB) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE kalkine.ca • 1d ago
Amerant Bancorp (NASDAQ:AMTB) Stock: Net Interest Margin Rebound Lifts Profit but Book Value Slips kalkine.ca report covering Amerant Bancorp Inc. (Class A) (AMTB) market action, institutional positioning, and fundamental catalysts.
🟢 CATALYST Yahoo Finance • 1d ago
Amerant Bancorp (AMTB) Posted Stronger Earnings And Buybacks, Is It Fully Priced? Yahoo Finance report covering Amerant Bancorp Inc. (Class A) (AMTB) market action, institutional positioning, and fundamental catalysts.
🟢 CATALYST Simply Wall St • 2d ago
Earnings Beat Could Change The Bull Case For Amerant Bancorp Stock (AMTB) Simply Wall St report covering Amerant Bancorp Inc. (Class A) (AMTB) market action, institutional positioning, and fundamental catalysts.
🟢 CATALYST Yahoo! Finance Canada • 2d ago
Amerant Bancorp Inc. (AMTB) Reports Next Week: Wall Street Expects Earnings Growth Yahoo! Finance Canada report covering Amerant Bancorp Inc. (Class A) (AMTB) market action, institutional positioning, and fundamental catalysts.
🔥 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
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.