AMTB (Amerant Bancorp) Moat Score: 4/10 (As of Jul. 01, 2026)


AMTB Amerant Bancorp Inc AMTB
65 GF Score
Price $26.16
GF Value $21.50
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Amerant Bancorp Moat Score?

Amerant Bancorp AMTB +2.51% 65 Moat Score is 4 as of Jul. 01, 2026. GuruFocus rates AMTB with a GF Score™ of 65/100 and a GF Value™ of $21.50 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,611 Banks companies, Amerant Bancorp ranks better than 86.22% on this metric.

Amerant Bancorp has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Amerant Bancorp has Narrow Moat: Amerant Bancorp Inc has a discernible but modest moat due to its regional banking presence and customer relationships. However, it lacks significant cost advantages or proprietary technology to elevate its moat beyond a narrow level.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Amerant Bancorp might have Narrow Moat - Discernible but modest moat.

Amerant Bancorp  (NYSE:AMTB) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Amerant Bancorp Moat Score Related Terms

AMTB vs CCNE, CPF, BFST: Moat Score Comparison

For the Banks - Regional subindustry, Amerant Bancorp's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Amerant Bancorp Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Amerant Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where Amerant Bancorp's Moat Score falls into.


AMTB
65GF Score
Amerant Bancorp Inc AMTB
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Amerant Bancorp (AMTB) has a Moat Score of 4 as of Jul. 01, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Amerant Bancorp ranks #222 out of 1611 companies in the Banks industry, placing it in the top 13.8%.
Is Amerant Bancorp's Moat Score too high?
Amerant Bancorp's current Moat Score is 4. Based on the distribution chart, Amerant Bancorp ranks #222 out of 1611 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Amerant Bancorp has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Amerant Bancorp's Moat Score compare to CCNE and CPF?
According to the Banks industry distribution chart, Amerant Bancorp ranks #222 out of 1611 companies for Moat Score. This places Amerant Bancorp in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Amerant Bancorp's current Moat Score is 4. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Amerant Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Amerant Bancorp (AMTB) is currently considered Modestly Overvalued. The stock's GF Value™ is $21.50, compared to a current price of $26.16 — trading 21.7% above its estimated fair value. The current Moat Score is 4. Amerant Bancorp's overall GF Score™ is 65/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Amerant Bancorp (AMTB), the current Moat Score is 4 as of Jul. 01, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Amerant Bancorp (AMTB) Overvalued in 2026?

Based on GuruFocus' analysis, Amerant Bancorp stock appears to be overvalued. The current stock price of $26.16 is trading 21.7% above its estimated GF Value™ of $21.50. GuruFocus considers Amerant Bancorp to be Modestly Overvalued.

Key valuation signals for AMTB:

  • Moat Score: 4
  • GF Value™: $21.50 vs. price of $26.16 (21.7% above fair value)
  • GF Score™: 65/100 with 6 warning signs

No single metric tells the full story. See the AMTB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Amerant Bancorp Business Description

Address 220 Alhambra Circle, Coral Gables, FL, USA, 33134
Amerant Bancorp Inc is a bank holding company. Through its bank, it provides individuals and businesses deposit, credit, investment, wealth management, and fiduciary services, both in the United States and to select international customers. The bank also provides banking services through traditional channels, such as banking centers and ATMs, as well as via secure websites, mobile devices and telephones.
65GF Score

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$26.16
Price
$21.50
GF Value