Stock Ratings / Financials / AMTB / options

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Amerant Bancorp Inc. (Class A) (AMTB) Options Positioning, Max Pain & Unusual Sweeps

$29.90 +0.84% 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 D+ (Sell) with 58/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record: Scores of 58/100 (D+) historically posted market-perform odds over rolling 90-day windows (+0.0% avg 90D alpha vs SPY) →

ROARABLE D+ • SELL / AVOID Cap $1.17B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $29.89 (-0.04%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 3.2% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 58/100 (D+) historically posted market-perform odds over rolling 90-day windows (+0.0% avg 90D alpha vs SPY • 52.7% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D+

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 D+ · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+0% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for AMTB)Realized 20D OHLCV Swing Band: ±5.7%

Deterministic 5-Pillar Attribution (58/100 Composite)

🔍 WHY AMTB SCORES 58/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+15/20 pts (26% of score)

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

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (22% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C-$28.77+0.7% Next Q

Q2 (-2Q)

Grade C-$28.96+3.8% Next Q

Q3 (-1Q)

Grade C$30.06-0.5% Next Q

Current

Grade D+$29.90+0% Hist 90D α

Trajectory: C- (50) → D+ (58)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 58/100 (D+) 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 ($29.20) or 200D SMA ($25.14) invalidates the momentum regime and cuts Target Base ($29.90) toward Bear Floor ($23.32).

🎲 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 58%NO 42%Trade / Inspect Odds →

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±5.7%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (AMTB)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for AMTB.

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ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring AMTB)

✓Walkthrough of AMTB's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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AMTB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +30.17%📐 HORIZONTAL RANGE

2026-10-30O $29.88H $30.05L $29.53C $29.90VOL 602.9K

RES: $30.87SUP: $27.65SMA50: $29.20SMA200: $25.14

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 #607 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 #607 by composite RQD confidence (58/100, grade D+) 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 58/100 (D+).

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)	D+	58/100	22.4x	—	5.6%	+0.84%	$1.17B	Benchmark Subject
NBN Northeast Bank	D	49/100	—	—	—	-2.40%	$1.16B	/nbn-vs-amtb →
MCB Metropolitan Bank Holding Corp.	C+	66/100	16.8x	—	9.6%	-0.20%	$1.20B	/mcb-vs-amtb →
FSBC Five Star Bancorp	C+	69/100	18.2x	—	13.8%	-0.17%	$1.12B	/fsbc-vs-amtb →
OSBC Old Second Bancorp Inc.	C+	67/100	15.6x	—	9.0%	+0.90%	$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?

As of 2026-11-01, Amerant Bancorp Inc. (Class A) (NYSE: AMTB) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 58/100 at a spot price of $29.90 (+0.84% 1D, market cap $1.17B). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 15/20. Across 1096 tracked Financials issuers, AMTB ranks #607 in composite RQD confidence.

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

Within the Financials sector (Major Banks), AMTB carries a Roarable D+ (58/100 RQD), trailing P/E of 22.4x, gross margin of —, and ROIC of 5.6%. By comparison, NBN (Northeast Bank) holds a D grade (49/100 RQD, P/E N/A, ROIC —, cap $1.16B) and MCB (Metropolitan Bank Holding Corp.) posts a C+ grade (66/100 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).

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 $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: Company leadership has skin in the game with net positive insider conviction.. 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 $29.90 (+0.84% on volume of 379,853 shares), positioning the stock +2.40% above its 50-day simple moving average ($29.20) and +18.93% above its 200-day simple moving average ($25.14). Across its 52-week range of $16.61 to $30.85, AMTB sits at the 93.3% percentile with a 14-day RSI of 58.3 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.7% ($28.20 to $31.60).

AMTB Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is AMTB's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for AMTB.

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