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

$29.94 +0.13% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $29.89

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.

📊 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) →

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?

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As of 2026-11-02, 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 $29.94 (+0.13% 1D, market cap $1.17B). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 15/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 15/20. Across 1096 tracked Financials issuers, AMTB ranks #252 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 NBN and MCB 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, NBN (Northeast Bank) holds a D+ grade (54/100 RQD, P/E N/A, ROIC —, cap $1.16B) and MCB (Metropolitan Bank Holding Corp.) posts a C grade (65/100 RQD, P/E 16.8x, ROIC 9.6%, cap $1.20B). 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 $0 in revenue, $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: $29.89 (-0.17%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 3.2% 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+

JEV AI Jury 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 SNOWFLAKE 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: ±5.5%

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+15/20 pts (23% of score)

20D Institutional Volume Accumulation (±5.5% 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$28.99-1.7% Next Q

Q2 (-2Q)

Grade C$28.50+5.5% Next Q

Q3 (-1Q)

Grade C+$30.06-0.4% Next Q

Current

Grade C+$29.94+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 ($29.23) or 200D SMA ($25.18) invalidates the momentum regime and cuts Target Base ($31.02) toward Bear Floor ($24.20).

🎲 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

57.630 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 RANGE94% OF RANGE

L: $17$29.94H: $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: BRQD 30 / 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 26 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury 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)

30/40 institutional & smart-money positioning score with 13/20 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: +32.30%📐 HORIZONTAL RANGE

2026-11-02O $29.65H $29.94L $29.65C $29.94VOL 379.9K

RES: $30.87SUP: $27.64SMA50: $29.23SMA200: $25.18

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 (#25)

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

Reverse-DCF Expectations Hurdle (#30)

16.1%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

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 #252 of 1096 ⚔️ NBN vs AMTB Full Matrix →

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

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Amerant Bancorp Inc. (Class A) (AMTB) ranks #252 by composite RQD confidence (66/100, grade C+) and #523 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%	+0.13%	$1.17B	Benchmark Subject
NBN Northeast Bank	D+	54/100	—	—	—	-2.99%	$1.16B	/nbn-vs-amtb →
MCB Metropolitan Bank Holding Corp.	C	65/100	16.8x	—	9.6%	-1.00%	$1.20B	/mcb-vs-amtb →
FSBC Five Star Bancorp	C+	69/100	18.2x	—	13.8%	-1.84%	$1.12B	/fsbc-vs-amtb →
OSBC Old Second Bancorp Inc.	C	63/100	15.6x	—	9.0%	-1.02%	$1.25B	/osbc-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 $0 (N/A vs. FY2024 revenue of $0 ) , 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	$0	$52.4M	$137.0M	$129.2M	$9.78B	—
FY2024 (FY)	2024-12-31	$0	-$15.8M	$82.2M	$74.8M	$9.90B	—
FY2023 (FY)	2023-12-31	$0	$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?

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

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

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

AMTB last traded at $29.94 (+0.13% on volume of 602,903 shares), positioning the stock +2.43% above its 50-day simple moving average ($29.23) and +18.90% above its 200-day simple moving average ($25.18). Across its 52-week range of $16.61 to $30.85, AMTB sits at the 93.6% percentile with a 14-day RSI of 57.6 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.5% ($28.29 to $31.59).

AMTB Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell AMTB stock right now?

Amerant Bancorp Inc. (Class A) (AMTB) currently earns a Roarable Rating of C+ (Hold — HOLD) with 66/100 RQD Confidence. Solid steady margins (6% return on capital), mixed timing at 22x P/E—hold if owned, no rush to chase.

What is AMTB's 12-month price target and RQD AI Jury consensus?

AMTB's 12-month base price target is $31.02 (range $24.2 to $36.6), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

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+) ✓ STAGE-C NUMBER FIREWALL VERIFIED

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

Engine: Haiku 5.5 Dossier Pipeline

As of: 2026-11-02T14:57Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD 5-pillar rating engine, Amerant Bancorp Inc. (Class A) (AMTB) carries a composite score of 66/100 (C+ — Roarable Hold — Upper Neutral / Watch for Breakout) at a current price of $29.94 (+0.13%). Fundamental cash generation scores 10/20 (ROIC 5.6%, FCF yield 11.03%), institutional 13F whale accumulation scores 15/20, insider conviction scores 15/20, macro regime alignment scores 13/20 (Beta 1.00), and forensic balance-sheet protection scores 13/20 (Altman Z-Score N/A, Piotroski F-Score 5/9).

Investor Implication: At 22.4x trailing P/E and 20.8x forward P/E within Major Banks, upside depends on sustained operating margin expansion (—) and free cash flow conversion relative to the 52-week range of $16.61 – $30.85.

Butterfly Effect: Supply-Chain, Sector & Catalyst Ripples

Operating in Major Banks (Financials), AMTB is sensitive to 2nd-order capital expenditure cycles, input cost spreads (gross margin —), and institutional positioning across its peer cohort. Prospective investors should monitor quarterly order backlog conversion, sector capex guidance, and Form 4 insider cluster activity (0 recent filings tracked).

Open Questions to Watch: (1) Margin trajectory vs. peer median; (2) FCF conversion sustainability over the next 4 quarters; (3) Institutional 13F rebalancing around upcoming earnings.

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) ↓

🟢 CATALYST Yahoo • 3d ago

Amerant Bancorp (AMTB) Posted Stronger Earnings And Buybacks, Is It Fully Priced?

Amerant Bancorp earnings, dividend and buyback in focus Amerant Bancorp (AMTB) just wrapped up a busy October, reporting third quarter results, declaring a cash dividend of $0.09 per share, and expanding its share repurc

Read Full Source ↗

🟡 MARKET WIRE Yahoo • 6d ago

Implied Volatility Surging for Amerant Bancorp Stock Options

Investors need to pay close attention to AMTB stock based on the movements in the options market lately.

Read Full Source ↗

🟢 CATALYST Benzinga • 7d ago

Piper Sandler Reiterates Overweight on Amerant Bancorp, Raises Price Target to $35

Piper Sandler analyst Stephen Scouten reiterates Amerant Bancorp (NYSE:AMTB) with a Overweight and raises the price target from $33.5 to $35.

Read Full Source ↗

🟡 MARKET WIRE Yahoo • 7d ago

Amerant: 3 Key Takeaways for Long-Term Investors

International deposits and deposit-cost discipline are reshaping the bank's margin profile as it clears legacy credit problems.

Read Full Source ↗

🟢 CATALYST Yahoo • 8d ago

Amerant Bancorp (AMTB) Q3 Earnings Put Profit Strength Under Credit Watch

Amerant Bancorp just released its Q3 2026 scorecard and the immediate verdict from traders looks muted. The stock edged about 1.4% higher to roughly US$30, a polite clap rather than a standing ovation. Beneath that calm

Read Full Source ↗

🟢 CATALYST Yahoo • 9d ago

Amerant (AMTB) Q3 2026 Earnings Call Transcript

Net income jumped to $25.7 million on margin expansion and credit improvements.

Read Full Source ↗

🟢 CATALYST Yahoo • 9d ago

Amerant Bancorp Q3 Earnings Call Highlights

Amerant Bancorp (NYSE:AMTB) reported third-quarter 2026 net income of $25.7 million, or $0.65 per diluted share, as higher net interest income, wider margins and continued credit-quality improvement lifted profitability.

Read Full Source ↗

🟡 MARKET WIRE Yahoo • 10d ago

Amerant Bancorp Inc. Q3 2026 Earnings Call Summary

Moby summary of Amerant Bancorp Inc.'s Q3 2026 earnings call

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

AMTB Bull vs. Bear Conversation Board — What's Your Call at $29.94?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON AMTB 🐻 50% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $32.29 (+8.0%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is AMTB (C+ • RQD 66/100) a Buy at $29.90?

Welcome to the AMTB (Amerant Bancorp Inc. (Class A)) Roar Pit. Current RQD Composite is 66/100 (Roarable Hold — Upper Neutral / Watch for Breakout) in Major Banks. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

FO ForensicBear Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $22.43 (-25.0%)

Spot @ $29.90

Pump the brakes on AMTB — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on AMTB, but look at what you are paying: 22.4x trailing P/E with tightening sector spreads. Unless Amerant Bancorp Inc. (Class A) expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

MI MidwestValue Verified K Arena Trader 🐂 BULLISH 🎯 Target: $35.28 (+18.0%)

Spot @ $29.90

AMTB cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on AMTB, the market is fixating on short-term headline noise in Major Banks and ignoring the balance sheet and cash flow trajectory. At $29.90 (52-wk range $16.61 - $30.85), any beat on forward guidance forces shorts and underweight funds to chase.