AMTB
Amerant Bancorp Inc.
AMTB's fundamentals are mixed: its operating margin rose 2 points to 20%, but revenue fell 4.4%. At 18x earnings, it's trading above its usual 16x. Analysts expect strong earnings growth.
IREN
IREN Limited
There isn't enough reported data to score IREN yet.
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.
IREN Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Weak | |
| N/A | |
| N/A |
IREN's revenue and profitability are currently under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like IREN.
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.
IREN PE Valuation
IREN has no meaningful PE right now: it lost money over the past year.
AMTB Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
AMTB has the edge over IREN on the outlook, with more favorable earnings expectations.
IREN Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Losses growing | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect IREN's losses to grow, with revenue growing. However, they disagree widely on these estimates.
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 has the edge over IREN on earnings quality, reporting a profit while its opponent remains loss making.
IREN Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | -$3.96 | -347% |
| Q2 2026 | -$2.22 | -988% |
| Q1 2026 | $0.51 | +$1.10 |
| Q4 2025 | $1.18 | +$1.62 |
| Q3 2025 | $1.60 | +$1.99 |
| Q2 2025 | $0.25 | +$0.45 |
| Q1 2025 | -$0.59 | -$0.43 |
| Q4 2024 | -$0.44 | -$0.15 |
IREN has swung to a loss: it lost $3.96 per share over the past year, after a profit the year before.
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 IREN on profitability, with a higher operating margin.
IREN Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $228M | -5.1% |
| Q2 2026 | $137.2M | -27% |
| Q1 2026 | $144.8M | 0% |
| Q4 2025 | $184.7M | +59% |
| Q3 2025 | $240.3M | +355% |
| Q2 2025 | $187.3M | +230% |
| Q1 2025 | $144.8M | +168% |
| Q4 2024 | $116.1M | +176% |
IREN has the edge over AMTB on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -82% | -50 points |
| Q2 2026 | -452% | -461 points |
| Q1 2026 | -161% | -180 points |
| Q4 2025 | -63% | -79 points |
| Q3 2025 | -32% | +57 points |
| Q2 2025 | 9% | +49 points |
| Q1 2025 | 19% | +8 points |
| Q4 2024 | 15% | +21 points |
IREN's operating margin was −82% last quarter, down 50 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 IREN on cash generation, producing positive trailing cash flow while its opponent burns cash.
IREN Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$1.6B | -$1.6B |
| Q2 2026 | $482.2M | +2895% |
| Q1 2026 | -$873.8M | -$523.1M |
| Q4 2025 | -$468M | -$334M |
| Q3 2025 | -$38M | +$349.4M |
| Q2 2025 | $16.1M | +$179M |
| Q1 2025 | -$350.7M | -$128.7M |
| Q4 2024 | -$134M | -$105.2M |
IREN's free cash flow was −$2.5B over the past year, against −$507M the year before. Free cash flow isn't a meaningful measure for financial services companies like IREN.
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 IREN 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.
IREN Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +26% | +82.4M shares |
| 1 year | +10% | +36.9M shares |
| 3 years | +511% | +333M shares |
| 5 years | +624% | +344M shares |
| Available history | +2346% | +382M shares |
IREN has 399M diluted shares, up 10% from a year ago.
| Quarter | Spent |
|---|---|
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
| Q2 2024 | — |
| Q1 2024 | — |
| Q4 2023 | — |
| Q3 2023 | — |
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.
IREN Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q1 2026 | 157.6x | High |
| Q4 2025 | 22.2x | High |
| Q3 2025 | 4.1x | High |
| Q2 2025 | 2.0x | Moderate |
| Q1 2025 | 3.3x | Elevated |
| Q4 2024 | -4.6x | Net Cash |
| Q3 2024 | -16.7x | Net Cash |
| Q2 2024 | -15.9x | Net Cash |
IREN's net debt is more than 20 years of its operating earnings (EBITDA), up from 3.3 years a year ago. Net leverage isn't a meaningful measure for financial services companies like IREN.
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).
IREN Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 33.3 | Neutral |
| Stochastic | 8.2 | Oversold |
IREN's weekly RSI is 33 (neutral) and its Stochastic is 8 (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.
IREN PE vs Financial Services Sector
| Metric | IREN | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
IREN has no meaningful PE right now: it lost money over the past year.
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 IREN on trend strength, trading above more of its moving averages.
IREN Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $29.8 | 35% below |
| 20 week MA | $36.2 | 46% below |
| 50 week MA | $42.8 | 54% below |
| 100 week MA | $32.0 | 39% below |
| 200 week MA | $19.1 | 2.1% above |
IREN has fallen below most of its moving averages, though it's still 2.1% 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 IREN on returns for 2026, with the stronger performance.
IREN Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $24.8 | $17.2 | -31% |
| 2022 | $17.2 | $1.19 | -93% |
| 2023 | $1.19 | $7.15 | +501% |
| 2024 | $7.15 | $10.7 | +50% |
| 2025 | $10.7 | $40.3 | +276% |
| 2026 YTD | $40.3 | $19.5 | -52% |
IREN's yearly returns have swung widely, from +501% in 2023 to −93% in 2022. It's down 52% so far in 2026.