AMTB
Amerant Bancorp Inc.
AMTB has a slight edge over BAC overall, supported by stronger modeled upside.
BAC
Bank of America Corporation
BAC has slightly lower modeled downside risk, despite its lower overall score.
AMTB Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
AMTB's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like AMTB.
BAC Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
BAC's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like BAC.
AMTB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.5x | $16.09 | -47% |
| Forward | 11x | $30.42 | — |
| Fair | 16x | $27.09 | -11% |
| Current | 18x | $30.42 | — |
| Expensive | 34x | $58.59 | +93% |
Historical ranges are pointers, not guarantees.
AMTB's PE is in its fair range at 18x. If earnings grow as analysts expect, today's price would be 11x next year's earnings, in its cheap range.
BAC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.4x | $39.50 | -22% |
| Forward | 10x | $50.51 | — |
| Current | 12x | $50.51 | — |
| Fair | 13x | $53.81 | +6.5% |
| Expensive | 15x | $62.23 | +23% |
Historical ranges are pointers, not guarantees.
BAC has the edge over AMTB in the historical PE scenario, which offers more potential upside but is not a forecast.
AMTB Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for AMTB, with profitability improving.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
AMTB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.77 | +63% |
| Q3 2026 | $1.70 | -0.6% |
| Q2 2026 | $1.40 | +$1.47 |
| Q1 2026 | $1.42 | +$1.89 |
| Q4 2025 | $1.26 | +$1.70 |
| Q3 2025 | $1.71 | +$3.20 |
| Q2 2025 | -$0.07 | -112% |
| Q1 2025 | -$0.47 | -170% |
| Q4 2024 | -$0.44 | -146% |
AMTB's earnings per share have fallen from their peak: $1.70 over the past year, against $3.08 in early 2022.
BAC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.92 | +17% |
| Q3 2026 | $4.19 | +14% |
| Q2 2026 | $4.34 | +27% |
| Q1 2026 | $4.02 | +20% |
| Q4 2025 | $3.81 | +19% |
| Q3 2025 | $3.66 | +33% |
| Q2 2025 | $3.41 | +20% |
| Q1 2025 | $3.35 | +16% |
| Q4 2024 | $3.21 | +4.2% |
BAC has the edge over AMTB on earnings, with more consistent year-over-year improvement.
AMTB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $108.8M | -2.4% |
| Q2 2026 | $100.7M | -8.6% |
| Q1 2026 | $97.7M | -7.4% |
| Q4 2025 | $112.2M | +0.8% |
| Q3 2025 | $111.4M | +235% |
| Q2 2025 | $110.3M | +12% |
| Q1 2025 | $105.4M | +14% |
| Q4 2024 | $111.3M | +9.9% |
AMTB's revenue has slid since its 2021 peak: $109M last quarter, down 2.4% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 31% | +14 points |
| Q2 2026 | 27% | -0.1 points |
| Q1 2026 | 23% | +8.9 points |
| Q4 2025 | 1.7% | -15 points |
| Q3 2025 | 17% | +203 points |
| Q2 2025 | 27% | +21 points |
| Q1 2025 | 15% | +0.1 points |
| Q4 2024 | 16% | +37 points |
AMTB has the edge over BAC on profitability, with a higher operating margin.
BAC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $30B | +6.7% |
| Q2 2026 | $31.6B | +19% |
| Q1 2026 | $30.3B | +11% |
| Q4 2025 | $31.2B | +23% |
| Q3 2025 | $28.1B | +11% |
| Q2 2025 | $26.5B | +4.3% |
| Q1 2025 | $27.4B | +6% |
| Q4 2024 | $25.3B | +15% |
BAC has the edge over AMTB on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 30% | -3.7 points |
| Q2 2026 | 37% | +7.6 points |
| Q1 2026 | 34% | +4.7 points |
| Q4 2025 | 40% | +12 points |
| Q3 2025 | 34% | +4.8 points |
| Q2 2025 | 29% | -0.7 points |
| Q1 2025 | 30% | +1.5 points |
| Q4 2024 | 28% | +14 points |
BAC's operating margin was 30% last quarter, down 3.7 points from the same quarter a year ago.
AMTB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $56.4M | +138% |
| Q2 2026 | $39.4M | -30% |
| Q1 2026 | $10.1M | -44% |
| Q4 2025 | $31.3M | -59% |
| Q3 2025 | $23.7M | +815% |
| Q2 2025 | $56.3M | +$60.1M |
| Q1 2025 | $18M | +$18.7M |
| Q4 2024 | $76.7M | +$93.6M |
AMTB has the edge over BAC on cash flow, with more consistent year-over-year improvement.
BAC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$6.5B | -114% |
| Q2 2026 | $29B | +$38.2B |
| Q1 2026 | $41.8B | +$44B |
| Q4 2025 | -$22.9B | -189% |
| Q3 2025 | $46.9B | +$84.2B |
| Q2 2025 | -$9.1B | -150% |
| Q1 2025 | -$2.2B | +$13.4B |
| Q4 2024 | $25.9B | -21% |
BAC's free cash flow was $41.4B over the past year, down 33% from the year before. Free cash flow isn't a meaningful measure for financial services companies like BAC.
AMTB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.2% | -64.8K shares |
| 1 year | -5.6% | -2.3M shares |
| 3 years | +17% | +5.7M shares |
| 5 years | +4.6% | +1.8M shares |
| Available history | -7.3% | -3.1M shares |
AMTB has the edge over BAC on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $2M |
| Q2 2026 | $16.4M |
| Q1 2026 | $18.7M |
| Q4 2025 | $13M |
| Q3 2025 | $10M |
| Q2 2025 | $5M |
| Q1 2025 | $5M |
| Q4 2024 | — |
AMTB spent $50M buying back its own shares over the past year, up 150% from the year before.
BAC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1% | -72M shares |
| 1 year | -5.3% | -405M shares |
| 3 years | -11% | -854M shares |
| 5 years | -15% | -1.3B shares |
| Available history | -24% | -2.2B shares |
BAC has 7.2B diluted shares, down 5.3% from a year ago, with $25.6B in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $6B |
| Q2 2026 | $6B |
| Q1 2026 | $7.2B |
| Q4 2025 | $6.3B |
| Q3 2025 | $5.3B |
| Q2 2025 | $5.3B |
| Q1 2025 | $4.5B |
| Q4 2024 | $3.5B |
BAC spent $25.6B buying back its own shares over the past year, up 37% from the year before.
AMTB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 8.0x | High |
| Q2 2026 | 8.9x | High |
| Q1 2026 | 8.7x | High |
| Q4 2025 | 9.5x | High |
| Q3 2025 | 9.2x | High |
| Q2 2025 | 93.7x | High |
| Q2 2024 | 24.6x | High |
| Q1 2024 | 20.9x | High |
AMTB's net debt is about 8.0 years of its operating earnings (EBITDA), down from 9.2 years a year ago. Net leverage isn't a meaningful measure for financial services companies like AMTB.
BAC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 6.4x | High |
| Q2 2026 | 6.7x | High |
| Q1 2026 | 7.1x | High |
| Q4 2025 | 7.7x | High |
| Q3 2025 | 8.3x | High |
| Q2 2025 | 8.8x | High |
| Q1 2025 | 8.6x | High |
| Q4 2024 | 9.0x | High |
BAC has the edge over AMTB on leverage, with a lower net debt burden relative to earnings.
AMTB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 69.2 | Neutral |
| Stochastic | 69.7 | Neutral |
AMTB's weekly RSI is 69 (neutral) and its Stochastic is 70 (neutral).
BAC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 37.1 | Neutral |
| Stochastic | 4.9 | Oversold |
BAC's weekly RSI is 37 (neutral) and its Stochastic is 5 (oversold).
AMTB PE vs Financial Services Sector
| Metric | AMTB | Sector median | Relative |
|---|---|---|---|
| PE | 18x | 13x | 37% above |
| PE % | 55 | 63 | 8 pts below |
AMTB is trading at 18x earnings, a 37% premium to the Financial Services sector's median of 13x.
BAC PE vs Financial Services Sector
| Metric | BAC | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 7.5% below |
| PE % | 40 | 63 | 23 pts below |
BAC has the edge over AMTB on valuation relative to its sector.
AMTB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $29.6 | 2.7% above |
| 20 week MA | $28.8 | 5.6% above |
| 50 week MA | $24.7 | 23% above |
| 100 week MA | $22.2 | 37% above |
| 200 week MA | $22.0 | 39% above |
AMTB has the edge over BAC on trend strength, trading above more of its moving averages.
BAC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $52.1 | 3% below |
| 20 week MA | $57.8 | 13% below |
| 50 week MA | $54.7 | 7.7% below |
| 100 week MA | $50.5 | 0% below |
| 200 week MA | $42.5 | 19% above |
BAC has fallen below most of its moving averages, though it's still 19% above its 200-week average.
AMTB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $21.8 | $15.2 | -30% |
| 2021 | $15.2 | $34.1 | +125% |
| 2022 | $34.1 | $27.0 | -21% |
| 2023 | $27.0 | $24.6 | -8.9% |
| 2024 | $24.6 | $22.3 | -9.1% |
| 2025 | $22.3 | $20.1 | -10% |
| 2026 YTD | $20.1 | $30.4 | +52% |
AMTB has the edge over BAC on returns for 2026, with the stronger performance.
BAC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $35.4 | $30.0 | -15% |
| 2021 | $30.0 | $44.4 | +48% |
| 2022 | $44.4 | $32.5 | -27% |
| 2023 | $32.5 | $33.7 | +3.7% |
| 2024 | $33.7 | $44.3 | +32% |
| 2025 | $44.3 | $56.2 | +27% |
| 2026 YTD | $56.2 | $50.5 | -10% |
BAC has finished higher in four of the last six years. It's down 10% so far in 2026.