Amerant Bancorp Inc. Financial Ratios — 0KZA Stock

Profitability (USD)

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	- -	5.91	6.11	6.49	-0.21	13.96	8.21	4.5	-1.94	5.73
Return on Assets (%)	- -	- -	0.51	0.55	0.64	-0.02	1.47	0.76	0.34	-0.16	0.53
Return on Capital (%)	- -	- -	2.27	2.25	2.45	- -	5.99	3.4	1.92	- -	2.79
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	10.38	13.33	27.4	21.16	23.62	-1.65	54.34	24.95	12.57	-7.89	15.77
Profit Margin (%)	6.63	9.3	15.31	16.85	18.94	-0.66	42.6	20.1	9.88	-5.16	12.5
Net Income to Common Margin (%)	6.63	9.3	15.31	16.85	18.94	-0.66	42.6	20.1	9.88	-5.16	12.5
Effective Tax Rate (%)	36.14	30.22	44.12	20.38	19.83	- -	23.41	21.15	25.5	- -	20.75
Dvd Payout Ratio (%)	- -	- -	- -	87.27	- -	- -	- -	20.18	41.47	-81.38	28.8
Sustainable Growth Rate (%)	- -	- -	5.91	0.78	6.49	-0.21	13.96	6.55	2.63	-3.51	4.08

Credit (USD)

Credit Ratios API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	1,049	1,291	1,284	1,327	1,173	1,069	1,199	921	1,005	923
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	60	- -
LT Debt	- -	1,049	1,291	1,284	1,327	1,173	1,069	1,199	921	945	923
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	8.36	8.93	9.2	10.45	10.08	10.92	7.75	7.58	8.99	9.6
Long-Term Debt/Equity (%)	- -	148.87	171.36	171.81	159.01	149.7	128.53	169.94	125.17	106.11	98.36
Long-Term Debt/Capital (%)	- -	59.82	63.15	63.21	61.39	59.95	56.24	62.95	55.59	49.86	49.59
Long-Term Debt/Total Assets (%)	- -	12.44	15.3	15.81	16.62	15.09	14	13.14	9.48	9.54	9.44
Total Debt/Equity (%)	- -	148.87	171.36	171.81	159.01	149.7	128.53	169.94	125.17	112.83	98.36
Total Debt/Capital (%)	- -	59.82	63.15	63.21	61.39	59.95	56.24	62.95	55.59	53.01	49.59
Total Debt/Total Assets (%)	- -	12.44	15.3	15.81	16.62	15.09	14	13.14	9.48	10.15	9.44
Net Debt to Equity	- -	129.71	150.99	160.34	144.47	122.33	79.15	114.88	68.22	37.36	36.43
Net Debt/Capital (%)	- -	56.47	60.16	61.59	59.1	55.02	40.47	48.94	36.88	25.03	24.46
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	8.36	8.93	9.2	10.45	10.08	10.92	7.75	7.58	8.99	9.6
Long-Term Debt/Equity (%)	- -	148.87	171.36	171.81	159.01	149.7	128.53	169.94	125.17	106.11	98.36
Long-Term Debt/Capital (%)	- -	59.82	63.15	63.21	61.39	59.95	56.24	62.95	55.59	49.86	49.59
Long-Term Debt/Total Assets (%)	- -	12.44	15.3	15.81	16.62	15.09	14	13.14	9.48	9.54	9.44
Total Debt/Equity (%)	- -	148.87	171.36	171.81	159.01	149.7	128.53	169.94	125.17	112.83	98.36
Total Debt/Capital (%)	- -	59.82	63.15	63.21	61.39	59.95	56.24	62.95	55.59	53.01	49.59
Total Debt/Total Assets (%)	- -	12.44	15.3	15.81	16.62	15.09	14	13.14	9.48	10.15	9.44
CFO/Total Liabilities	- -	0.97	0.95	0.84	1.1	0.82	0.99	-0.58	0.3	0.91	1.55
CFO/CapEx	4.23	8.82	8.52	6.19	5.5	10.27	10.25	-4.63	2.44	11.11	17.69
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	- -	3.93	3.71	3.86	3.27	2.85	2.53	- -	- -	- -
Days Sales Outstanding	- -	- -	92.89	98.44	94.61	111.58	128.26	144	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	577	1,244	912	846	947	816
- Cash & Cash Equivalents	- -	135	153	86	121	214	274	248	296	566	464
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	-3	-2	- -	- -	- -
+ Total Debt	- -	1,049	1,291	1,284	1,327	1,173	1,069	1,199	921	1,005	923
Enterprise Value	- -	- -	- -	- -	- -	311	861	804	254	-51	-750
Total Capital	- -	1,754	2,045	2,032	2,162	1,956	1,901	1,905	1,657	1,895	1,862
Total Debt/Capital (%)	- -	59.82	63.15	63.21	61.39	59.95	56.24	62.95	55.59	53.01	49.59
Total Debt / EV	- -	- -	- -	- -	- -	3.78	1.24	1.49	3.63	-19.65	-1.23
EV/Sales	- -	- -	- -	- -	- -	1.18	3.25	2.55	0.77	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	12.77	- -	9.49	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	14.15	- -	16.06	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	637	1,301	921	848	804	838
Diluted Enterprise Value	- -	- -	- -	- -	- -	370	918	812	255	-194	-727
EV per Share	- -	- -	- -	- -	- -	8.21	24	23.76	7.55	- -	- -
TTM Sales	227	253	281	272	271	263	265	315	329	305	419
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	64	75	73	62	78	- -	67	-49	27	- -	137
TTM Free Cash Flow to Firm	49	67	65	52	64	- -	61	-60	16	- -	129

Multiples (USD)

Valuation Multiples API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -	12.32	21.38	-15.41	53.68	10.75	6.49
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	311	861	804	254	-51	-750
Low Price	- -	- -	- -	- -	- -	9.52	14.33	25.15	16.49	19.33	16.65
EV/Sales	- -	- -	- -	- -	- -	1.18	3.25	2.55	0.77	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	11.41	14.43	25.96	- -	15.94
Price/Earnings Average	- -	- -	- -	- -	- -	- -	7.45	15.68	21.96	- -	15.63
Price/Earnings High	- -	- -	- -	- -	- -	- -	11.59	19.23	30.58	- -	18.38
Price/Earnings Low	- -	- -	- -	- -	- -	- -	4.72	13.45	17.01	- -	13.21
Price/Book Value	- -	- -	- -	- -	- -	0.74	1.49	1.29	1.15	1.06	0.87
Price/Book Value Average	- -	- -	- -	- -	- -	0.62	0.97	1.4	0.97	1.05	0.85
Price/Book Value High	- -	- -	- -	- -	- -	0.8	1.51	1.72	1.35	1.25	1
Price/Book Value Low	- -	- -	- -	- -	- -	0.46	0.62	1.2	0.75	0.91	0.72
Price/Tangible Book Value	- -	- -	- -	- -	- -	0.76	1.53	1.33	1.18	1.09	0.89
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	0.64	1	1.44	1	1.08	0.87
Price/Tangible Book Value High	- -	- -	- -	- -	- -	0.82	1.55	1.77	1.39	1.28	1.02
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	0.47	0.63	1.24	0.77	0.93	0.74
Price/Sales	- -	- -	- -	- -	- -	2.42	4.86	2.9	2.56	2.63	1.99
Price/Sales Average	- -	- -	- -	- -	- -	2.04	3.17	3.15	2.17	2.61	1.95
Price/Sales High	- -	- -	- -	- -	- -	2.64	4.94	3.87	3.02	3.1	2.3
Price/Sales Low	- -	- -	- -	- -	- -	1.51	2.01	2.7	1.68	2.26	1.65
Price/Cash Flow	- -	- -	- -	- -	- -	11.12	19.11	-18.59	31.56	9.78	6.1
Price/Cash Flow Average	- -	- -	- -	- -	- -	9.38	12.47	-20.19	26.7	9.68	5.98
Price/Cash Flow High	- -	- -	- -	- -	- -	12.1	19.41	-24.77	37.18	11.52	7.03
Price/Cash Flow Low	- -	- -	- -	- -	- -	6.94	7.9	-17.32	20.68	8.41	5.05
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	10.39	13.95	-16.74	45.41	10.64	6.36
Price/Free Cash Flow High	- -	- -	- -	- -	- -	13.41	21.72	-20.54	63.23	12.66	7.48
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	7.69	8.84	-14.36	35.18	9.24	5.38
EV/Sales Average	- -	- -	- -	- -	- -	0.84	1.62	2.8	0.37	- -	- -
EV/Sales High	- -	- -	- -	- -	- -	1.38	3.32	3.52	1.23	0.38	- -
EV/Sales Low	- -	- -	- -	- -	- -	0.36	0.5	2.35	- -	- -	- -
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	15.26	34.67	26.98	25.17	22.49	20.09
High Price	- -	- -	- -	- -	- -	16.6	35.22	35.96	29.65	26.47	23.17
Enterprise Value Average	- -	- -	- -	- -	- -	220	429	882	123	-61	-766
Enterprise Value High	- -	- -	- -	- -	- -	362	881	1,107	404	117	-625
Enterprise Value Low	- -	- -	- -	- -	- -	94	131	742	-38	-184	-889

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	35	35	42	43	43	38	36	34	34	42	41
Diluted Weighted Avg Shares	35	35	35	42	43	42	38	34	34	36	42
Basic Weighted Avg Shares	35	35	35	42	43	42	37	34	34	36	42
Revenue per Share	6.5	7.26	8.05	6.4	6.37	6.3	7.13	9.3	9.81	8.54	10.09
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.43	0.68	1.23	1.08	1.21	-0.04	3.04	1.87	0.97	-0.44	1.26
Basic EPS from Cont Ops	0.43	0.68	1.23	1.08	1.21	-0.04	2.97	1.83	0.92	-0.44	1.26
Diluted EPS, GAAP	0.43	0.68	1.23	1.08	1.2	-0.04	3.01	1.85	0.96	-0.44	1.26
Diluted EPS from Cont Ops	0.43	0.68	1.23	1.08	1.2	-0.04	2.94	1.81	0.91	-0.44	1.26
Dividend per Share	- -	- -	- -	0.94	- -	- -	- -	0.36	0.36	0.36	0.36
Cash Flow per Share	1.82	2.16	2.1	1.46	1.84	1.37	1.81	-1.45	0.8	2.3	3.29
Free Cash Flow per Basic Share	1.39	1.91	1.85	1.23	1.51	1.24	1.64	-1.77	0.47	2.09	3.11
Cash & Equivalents per Share	- -	64.67	43.32	38.71	39.12	38.04	40.4	38.62	45.04	47.55	61.31
Book Value per Share	- -	20.18	17.73	17.31	19.32	20.7	23.26	20.93	21.9	21.14	23.13
Tangible Book Value per Share	- -	19.63	17.28	16.86	18.87	20.19	22.71	20.36	21.33	20.68	22.65