
Amerant Bancorp (AMTB) Stock Forecast & Price Target
Amerant Bancorp (AMTB) Analyst Ratings
Bulls say
Amerant Bancorp's financial outlook is bolstered by a significant increase in deposits, which rose by $151.6 million to $8.3 billion, positioning the bank for a robust annual growth rate of 14-16%. The bank has demonstrated improved asset quality with a reduction in non-performing loans (NPLs) by $41 million and a healthy allowance for credit losses (ACL) coverage ratio of 1.2%, despite an increase in classified loans. Furthermore, a stable net interest margin (NIM) of 3.81%, along with expected organic deposit growth aligned with loan growth of approximately 2.5% for the upcoming quarter, reflects a solid foundation for ongoing financial performance and profitability.
Bears say
The analysis reveals significant concerns regarding Amerant Bancorp's financial performance, driven primarily by a marked slowdown in loan growth, compounded by heightened risks related to nonperforming assets and potential net charge-offs amid economic uncertainty. The bank's reliance on brokered deposits and its poor comparative performance in loan-to-deposit ratios raise alarms about funding stability and future net interest margin pressures, particularly in a declining interest rate environment. Additionally, the bank's concentration in commercial real estate (CRE) and the uncertainty surrounding foreign deposit balances further exacerbate concerns regarding asset quality and overall growth potential.
This aggregate rating is based on analysts' research of Amerant Bancorp and is not a guaranteed prediction by Public.com or investment advice.
Amerant Bancorp (AMTB) Analyst Forecast & Price Prediction
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