Amerant Bancorp Inc. (AMTB) Fair Value 2026

AMTB · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.4 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (0/100)

Quick Summary — As of 2026-08-27, Amerant Bancorp Inc. (AMTB) trades at $28.82, versus a $11.57 median fair value across its 6 active models — 59.8% below the current price. QOC: 8.4/10. Value Trap Risk: 0/100 (SAFE). 6/13 models active.

Key Facts

Ticker
AMTB
Price
$28.82
Quality Score
8.4/10
Value Trap Risk
0/100
Models Active
6/13
Last Updated
Strength: Quality Score of 8.4/10 indicates strong fundamentals
Risk: Majority of models suggest overvaluation

Is Amerant Bancorp Inc. (AMTB) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, Amerant Bancorp Inc. (AMTB) appears overvalued as of : the median of 6 independent fair value estimates is $11.57, 59.8% below the current price of $28.82. Estimates range from $9.12 to $42.42. AMTB scores 8.4/10 on fundamental quality and 0/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. AMTB’s -59.8% gap is wider than that market norm, and the Banks - Regional sector median is -22.0%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Amerant Bancorp Inc. Stock in 2026? →

What Fair Value Does Each Model Give AMTB?

6 Intrinsic Value Models vs. Current Price ($28.82)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $9.26 -67.9%
Ensemble · Low Conviction
 $12.20 -57.7%
Intrinsic · High Conviction
 $10.94 -62.0%
Unlock the Full Matrix

Access 3 additional models including ML-RIV, Regime Cross-Sectional, and more.

$1.30 / day

Billed monthly ($39/mo) or annually ($299/yr)

Unlock All 6 Models →

Cancel anytime · No contracts · Instant access

What Is AMTB's Fair Value Range?

Spread across 6 independent models · $9.12 to $42.42

CirclFi's 6 active models place Amerant Bancorp Inc. (AMTB) between $9.12 and $42.42 per share, a spread of 288% of the median. The median of that range — $11.57 — is the fair value CirclFi publishes for AMTB, against a current price of $28.82.

Low · ML-RIVHigh · Regime Cross
$9.12median $11.57$42.42
Where the range comes from
Most bearish modelML Residual Income$9.12
Most bullish modelRegime Cross-Sectional$42.42
Model agreement1 bullish · 5 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for AMTB. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on AMTB, not a CirclFi price target. How each model works →

What Is Amerant Bancorp Inc. (AMTB) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Amerant Bancorp Inc.'s intrinsic value is estimated at $11.57. Trading at its current price of $28.82, the valuation engine raises significant caution: 5 of 6 models flag downside risk, projecting a median implied return of -59.8%. Notably, Regime Cross sees the most upside at +47.2% (fair value: $42.42), while ML-RIV is the most conservative at -68.4% ($9.12). The spread between these extremes — +115.5% — reveals how different analytical frameworks can reach starkly different conclusions.

What Do the Models Say About AMTB?

6 of 13 models are currently active for AMTB. Of these, 1 model suggests upside while 5 models suggest overvaluation. Taken together, their median fair value for AMTB is $11.57 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does AMTB Rank in Banks - Regional?

Among 349 Banks - Regional stocks, AMTB ranks #75 by Quality of Company score. CirclFi's QOC score of 8.4/10 evaluates 32 fundamental signals. A score of 8.4 places AMTB in the top tier.

See all Most Undervalued Banks - Regional Stocks →

The Banks - Regional sector introduces analytical considerations specific to financial institution businesses. For Amerant Bancorp Inc., metrics like deposit growth provide important context that general-purpose valuation models may underweight.

Is AMTB a Value Trap?

CirclFi's Value Trap algorithm assigns AMTB a score of 0/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for Amerant Bancorp Inc.. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Deep Alpha Valuation Engine, Amerant Bancorp Inc. scores 8.4 out of 10 on our 32-signal quality assessment, a strong rating that demonstrates strong fundamentals across the majority of our quality signals. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.

The gap between the most bullish and bearish model spans +115.5% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every AMTB valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across AMTB's 6 active models, average confidence is 39%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Amerant Bancorp Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

WBHCWilson Bank Holding CompanyQOC 8.4CLSTCatalyst Bancorp, Inc.QOC 8.4MCBSMetroCity Bankshares, Inc.QOC 8.4GCBCGreene County Bancorp, Inc.QOC 8.4OVBCOhio Valley Banc Corp.QOC 8.4FHBFirst Hawaiian, Inc.QOC 8.4BCHBanco de ChileQOC 8.1CBUCommunity Financial System, Inc.QOC 7.5MGNOMagnolia Bancorp, Inc.QOC 5.4ESQEsquire Financial Holdings, Inc.QOC 9.1PEBOPeoples Bancorp Inc.QOC 9.1

Read investment analysis: WBHC · CLST · MCBS · GCBC · OVBC · FHB · BCH · CBU · MGNO · ESQ · PEBO

Which Other Stocks Have a Similar Quality Score to AMTB?

5 companies across all industries closest to AMTB’s Quality of Company score of 8.4/10.

ALGNAlign Technology, Inc.QOC 8.4PSNParsons CorporationQOC 8.4EMREmerson Electric Co.QOC 8.4MXCMexco Energy CorporationQOC 8.4NVDANVIDIA CorporationQOC 10.0

Read investment analysis: ALGN · PSN · EMR · MXC · NVDA

Where Does AMTB Sit in CirclFi's Banks - Regional Rankings?

AMTB is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Amerant Bancorp Inc.’s Valuation?

What is Amerant Bancorp Inc.'s intrinsic value in 2026?

CirclFi puts Amerant Bancorp Inc. (AMTB)'s intrinsic value at $11.57 — the median of 6 independent model estimates as of 2026-08-27, ranging from $9.12 to $42.42. The Quality of Company score is 8.4/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is AMTB overvalued or undervalued right now?

At $28.82, 1 of 6 active models suggest AMTB may be undervalued, while 5 indicate potential overvaluation. The median of all 6 fair value estimates is $11.57, 59.8% below the current price of $28.82 — a consensus view that AMTB is overvalued. The assessment depends on which methodology best fits Amerant Bancorp Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 8.4 mean for AMTB?

Amerant Bancorp Inc.'s QOC of 8.4/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on AMTB?

CirclFi analyzes AMTB with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on AMTB?

Of the 6 models currently active on AMTB, Regime Cross-Sectional is the most bullish at $42.42 per share, and ML Residual Income is the most bearish at $9.12. CirclFi's published fair value for AMTB is the median of that range, $11.57, not either extreme. The gap between the two ends equals 288% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is AMTB a value trap in 2026?

Amerant Bancorp Inc.'s Value Trap score is 0/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, Amerant Bancorp Inc. (AMTB) has a median fair value of $11.57 — 59.8% below the current price of $28.82 — as of 2026-08-27.” Source: circlfi.com/stock/AMTB/ · Methodology
Primary sources for this AMTB valuation
  • Financial statements: Amerant Bancorp Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001734342) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for AMTB as of ; valuations recomputed .

You’ve done the research. Don’t stop at half the picture.

Stop collecting opinions. Let 6 mathematical frameworks give you clarity on AMTB.

Unlock All 6 Fair Values — $39/mo

Cancel anytime · Less than a cup of coffee · Instant access

3 models hidden for AMTB Unlock All 6 — $39/mo