Recent News
On January 6, 2026 Amerant Bancorp announced a dividend and a new share repurchase program. On October 28, 2025 the Board announced an executive transition, appointing the COO as Interim CEO effective November 5, 2025. On October 22, 2025 the Board declared a $0.09 per-share cash dividend payable November 28, 2025 to shareholders of record November 14, 2025.
Technical Analysis
ADX at 23.89 indicates an emerging trend strength rather than a strong directional regime; that emerging strength frames a near-term price bias but leaves momentum fragile.
DI+ at 30.68 registered a peak-and-reversal, which represents a bearish shift in directional pressure; DI- at 19.55 also shows a peak-and-reversal, which represents a bullish shift in negative-direction pressure. Those opposing DI signals point to conflicting directional cues that could produce chop.
MACD sits at 0.39 with a signal line at 0.37, producing a recent crossover above the signal line that constitutes a bullish signal; at the same time the MACD trend shows a peak-and-reversal, implying momentum may be topping even though a short-term bullish cross occurred.
MRO reads -10.33, indicating the current price sits below the regression target and therefore contains potential to move higher toward that target; the MRO trend shows a peak-and-reversal, suggesting that potential may have begun to moderate.
RSI at 56.94 with a peak-and-reversal trend places momentum modestly above neutral but showing signs of topping; this level supports price resilience while signaling limited upside momentum without fresh buying pressure.
Price sits at $21.73, above the 12-day EMA ($21.01, increasing), above the 20-day average ($20.88) and well above the 200-day average ($19.00). That alignment of short- and long-term averages supports price on a structural basis and limits downside in the absence of trend-strengthening sell pressure.
Bollinger measures show the close slightly above the 1x upper band ($21.61) and comfortably below the 2x upper band ($22.35), indicating above-average volatility but no extreme breakout. Volume at 293,326 exceeded the 10-day average of 264,944 and the 50-day average of 251,058, signaling above-normal participation on the latest sessions.
Ichimoku readings place price above the cloud (Senkou A $19.35 / Senkou B $18.31) with Tenkan ($21.14) near Kijun ($20.99), indicating a bullish baseline with potential for consolidation while Tenkan/Kijun interaction resolves.
Fundamental Analysis
Earnings delivered $0.53 per share versus an estimate of $0.36, producing an EPS surprise of 47.22% and an EPS beat of $0.17; that beat supports near-term sentiment and validates recent operating performance against consensus expectations.
Reported earnings growth shows 35.90% on one metric, while year-over-year earnings declined by 57.86% and quarter-over-quarter earnings changed by -213.67%; these divergent growth figures indicate volatility in earnings comparisons across reporting windows and warrant close monitoring of upcoming guidance and reserve activity.
Revenue moved marginally lower with reported revenue growth of -0.38% and a year-over-year revenue change of -100.23% on the provided measure; such contractions in revenue warrant attention to loan growth, net interest margin, and provision trends as drivers of future operating income.
Profitability multiples carry the following profile: trailing P/E at 37.08 sits slightly below the industry peer mean of 37.73 and above the industry peer median of 28.20; forward P/E at 28.48 sits well below the industry peer mean of 62.46, reflecting brighter forward earnings per share expectations versus current consensus multiples.
PEG ratio stands at 1.03, above the industry peer mean of -0.51 and above the industry peer median of -28.55, while forward PEG at 0.79 implies more favorable forward growth-adjusted valuation. WMDST notes cost of debt near 4.54% and invested capital of $987,946,000, which frame capital structure and returns analysis for the bank.
Cash flow to earnings registers at 0%, requiring monitoring of operating cash conversion in coming quarters. Dividend actions and a new repurchase program signal capital-return priority alongside balance-sheet management choices made during the period.
Valuation judgment: WMDST values the stock as fair-valued based on the combination of forward multiples, recent earnings beat, and mixed top-line and earnings growth metrics.
MOST-RECENT QUARTERLY REPORT
| REPORT PERIOD ENDING: | 2025-12-31 |
| REPORT DATE: | 2026-01-22 |
| NEXT REPORT DATE: | 2026-04-23 |
| CASH FLOW | Begin Period Cash Flow | — |
| Operating Cash Flow | — | |
| Capital Expenditures | — | |
| Change In Working Capital | — | |
| Dividends Paid | — | |
| Cash Flow Delta | — | |
| End Period Cash Flow | — | |
| INCOME STATEMENT | REVENUE | |
| Total Revenue | — | |
| Forward Revenue | — | |
| COSTS | ||
| Cost Of Revenue | — | |
| Depreciation | — | |
| Depreciation and Amortization | — | |
| Research and Development | — | |
| Total Operating Expenses | — | |
| PROFITABILITY | ||
| Gross Profit | — | |
| EBITDA | — | |
| EBIT | — | |
| Operating Income | — | |
| Interest Income | — | |
| Interest Expense | — | |
| Net Interest Income | — | |
| Income Before Tax | — | |
| Tax Provision | — | |
| Tax Rate | — | |
| Net Income | — | |
| Net Income From Continuing Operations | — | |
| EARNINGS | ||
| EPS Estimate | $ 0.36 | |
| EPS Actual | $ 0.53 | |
| EPS Difference | $ 0.17 | |
| EPS Surprise | 47.222 % | |
| Forward EPS | $ 0.66 | |
| BALANCE SHEET | ASSETS | |
| Total Assets | — | |
| Intangible Assets | — | |
| Net Tangible Assets | — | |
| Total Current Assets | — | |
| Cash and Short-Term Investments | — | |
| Cash | — | |
| Net Receivables | — | |
| Inventory | — | |
| Long-Term Investments | — | |
| LIABILITIES | ||
| Accounts Payable | — | |
| Short-Term Debt | — | |
| Total Current Liabilities | — | |
| Net Debt | — | |
| Total Debt | — | |
| Total Liabilities | — | |
| EQUITY | ||
| Total Equity | — | |
| Retained Earnings | — | |
| VALUATION & PER-SHARE METRICS | EQUITY & PER-SHARE METRICS | |
| Book Value Per-Share | — | |
| Shares Outstanding | — | |
| Revenue Per-Share | — | |
| VALUATION | Market Capitalization | — |
| Enterprise Value | — | |
| Enterprise Multiple | — | |
| Enterprise Multiple QoQ | — | |
| Enterprise Multiple YoY | — | |
| Enterprise Multiple IPRWA | — | |
| EV/R | — | |
| CAPITAL STRUCTURE | ||
| Asset To Equity | — | |
| Asset To Liability | — | |
| Debt To Capital | — | |
| Debt To Assets | — | |
| Debt To Assets QoQ | — | |
| Debt To Assets YoY | — | |
| Debt To Assets IPRWA | — | |
| Debt To Equity | — | |
| Debt To Equity QoQ | — | |
| Debt To Equity YoY | — | |
| Debt To Equity IPRWA | — | |
| PRICE-BASED VALUATION | ||
| Price To Book (P/B) | — | |
| Price To Book QoQ | — | |
| Price To Book YoY | — | |
| Price To Book IPRWA | — | |
| Price To Earnings (P/E) | 37.078 | |
| Price To Earnings QoQ | -24.917 % | |
| Price To Earnings YoY | -17.627 % | |
| Price To Earnings IPRWA | high: 73.773 mean: 37.73 AMTB: 37.078 median: 28.198 low: 26.658 |
|
| PE/G Ratio | 1.033 | |
| Price To Sales (P/S) | — | |
| Price To Sales QoQ | — | |
| Price To Sales YoY | — | |
| Price To Sales IPRWA | — | |
| FORWARD MULTIPLES | ||
| Forward P/E | 28.476 | |
| Forward PE/G | 0.793 | |
| Forward P/S | — | |
| EFFICIENCY | OPERATIONAL | |
| Operating Leverage | — | |
| ASSET & SALES | ||
| Asset Turnover Ratio | — | |
| Asset Turnover Ratio QoQ | — | |
| Asset Turnover Ratio YoY | — | |
| Asset Turnover Ratio IPRWA | — | |
| Receivables Turnover | — | |
| Receivables Turnover Ratio QoQ | — | |
| Receivables Turnover Ratio YoY | — | |
| Receivables Turnover Ratio IPRWA | — | |
| Inventory Turnover | — | |
| Inventory Turnover Ratio QoQ | — | |
| Inventory Turnover Ratio YoY | — | |
| Inventory Turnover Ratio IPRWA | — | |
| Days Sales Outstanding (DSO) | — | |
| CASH CYCLE | ||
| Cash Conversion Cycle Days (CCC) | — | |
| Cash Conversion Cycle Days QoQ | — | |
| Cash Conversion Cycle Days YoY | — | |
| Cash Conversion Cycle Days IPRWA | — | |
| CAPITAL DEPLOYMENT | ||
| Cash Conversion Ratio | — | |
| CapEx To Revenue | — | |
| CapEx To Depreciation | — | |
| CAPITAL, LIQUIDITY & COVERAGE | CAPITAL STRUCTURE | |
| Total Capital | — | |
| Net Invested Capital | — | |
| Invested Capital | $ 987.9 M | |
| Net Tangible Assets | — | |
| Net Working Capital | — | |
| LIQUIDITY | ||
| Cash Ratio | — | |
| Current Ratio | — | |
| Current Ratio QoQ | — | |
| Current Ratio YoY | — | |
| Current Ratio IPRWA | — | |
| Quick Ratio | — | |
| Quick Ratio QoQ | — | |
| Quick Ratio YoY | — | |
| Quick Ratio IPRWA | — | |
| COVERAGE & LEVERAGE | ||
| Debt To EBITDA | — | |
| Cost Of Debt | 4.541 % | |
| Interest Coverage Ratio | — | |
| Interest Coverage Ratio QoQ | — | |
| Interest Coverage Ratio YoY | — | |
| Interest Coverage Ratio IPRWA | — | |
| Operating Cash Flow Ratio | — | |
| TIMING / LIQUIDITY | ||
| Days Payables Outstanding (DPO) | — | |
| DIVIDENDS | ||
| Dividend Coverage Ratio | — | |
| Dividend Payout Ratio | — | |
| Dividend Rate | — | |
| Dividend Yield | — | |
| PERFORMANCE | GROWTH | |
| Asset Growth Rate | — | |
| Revenue Growth | -0.381 % | |
| Revenue Growth QoQ | -0.0 % | |
| Revenue Growth YoY | -100.226 % | |
| Revenue Growth IPRWA | high: 16.276 % mean: 2.199 % AMTB: -0.381 % median: -8.949 % low: -9.053 % |
|
| Earnings Growth | 35.897 % | |
| Earnings Growth QoQ | -213.674 % | |
| Earnings Growth YoY | -57.86 % | |
| Earnings Growth IPRWA | high: 56.522 % AMTB: 35.897 % mean: -4.34 % median: -23.944 % low: -35.126 % |
|
| MARGINS | ||
| Gross Margin | — | |
| Gross Margin QoQ | — | |
| Gross Margin YoY | — | |
| Gross Margin IPRWA | — | |
| EBIT Margin | — | |
| EBIT Margin QoQ | — | |
| EBIT Margin YoY | — | |
| EBIT Margin IPRWA | — | |
| Return On Sales (ROS) | — | |
| Return On Sales QoQ | — | |
| Return On Sales YoY | — | |
| Return On Sales IPRWA | — | |
| CASH FLOW | ||
| Free Cash Flow (FCF) | — | |
| Free Cash Flow Yield | — | |
| Free Cash Flow Yield QoQ | — | |
| Free Cash Flow Yield YoY | — | |
| Free Cash Flow Yield IPRWA | — | |
| Free Cash Growth | — | |
| Free Cash Growth QoQ | — | |
| Free Cash Growth YoY | — | |
| Free Cash Growth IPRWA | — | |
| Free Cash To Net Income | — | |
| Cash Flow Margin | — | |
| Cash Flow To Earnings | 0.0 | |
| VALUE & RETURNS | ||
| Economic Value Added | — | |
| Return On Assets (ROA) | — | |
| Return On Assets QoQ | — | |
| Return On Assets YoY | — | |
| Return On Assets IPRWA | — | |
| Return On Capital Employed (ROCE) | — | |
| Return On Equity (ROE) | — | |
| Return On Equity QoQ | — | |
| Return On Equity YoY | — | |
| Return On Equity IPRWA | — | |
| DuPont ROE | — | |
| Return On Invested Capital (ROIC) | — | |
| Return On Invested Capital QoQ | — | |
| Return On Invested Capital YoY | — | |
| Return On Invested Capital IPRWA | — | |