Amerant Bancorp (FRA:0KZA) Scaled Net Operating Assets: 0.17 (As of Mar. 2026)

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FRA:0KZA Amerant Bancorp Inc FRA:0KZA
65 GF Score
Price €20.40
GF Value €16.97
! 6 Warning Signs
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What is Amerant Bancorp Scaled Net Operating Assets?

Amerant Bancorp FRA:0KZA -2.86% 65 Scaled Net Operating Assets is 0.17 as of Mar. 2026. GuruFocus rates FRA:0KZA with a GF Score™ of 65/100 and a GF Value™ of €16.97. The stock has 6 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Amerant Bancorp's operating assets for the quarter that ended in Mar. 2026 was €8,409.3 Mil. Amerant Bancorp's operating liabilities for the quarter that ended in Mar. 2026 was €6,960.5 Mil. Amerant Bancorp's Total Assets for the quarter that ended in Dec. 2025 was €8,349.6 Mil. Therefore, Amerant Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.17.

FRA:0KZA
65GF Score
Amerant Bancorp Inc FRA:0KZA
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Amerant Bancorp Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Amerant Bancorp's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(7953.355-6759.241)/9456.156
=0.13

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=8349.573 - 396.218
=7953.355

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=7547.836 - 788.595 - 0
=6759.241

Amerant Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(8409.277-6960.536)/8349.573
=0.17

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=8566.54 - 157.263
=8409.277

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=7776.001 - 815.465 - 0
=6960.536

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

What does a Scaled Net Operating Assets of 0.17 mean?
Amerant Bancorp (FRA:0KZA) has a Scaled Net Operating Assets of 0.17 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Amerant Bancorp and its competitors.
Is Amerant Bancorp's Scaled Net Operating Assets too high?
Amerant Bancorp's current Scaled Net Operating Assets is 0.17. Overall, Amerant Bancorp has a GF Score™ of 65/100, reflecting its overall financial health beyond just this single metric.
How does Amerant Bancorp's Scaled Net Operating Assets compare to CCNE and CPF?
Amerant Bancorp's Scaled Net Operating Assets of 0.17 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Amerant Bancorp and its competitors. Amerant Bancorp's current Scaled Net Operating Assets is 0.17. 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?
Amerant Bancorp (FRA:0KZA) has a current Scaled Net Operating Assets of 0.17. The stock's GF Value™ is €16.97, compared to a current price of €20.40 — trading 20.2% above its estimated fair value. The current Scaled Net Operating Assets is 0.17. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Amerant Bancorp (FRA:0KZA), the current Scaled Net Operating Assets is 0.17 as of Mar. 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 (FRA:0KZA) Overvalued in 2026?

Based on GuruFocus' analysis, Amerant Bancorp stock appears to be overvalued. The current stock price of €20.40 is trading 20.2% above its estimated GF Value™ of €16.97.

Key valuation signals for FRA:0KZA:

  • Scaled Net Operating Assets: 0.17
  • GF Value™: €16.97 vs. price of €20.40 (20.2% above fair value)
  • GF Score™: 65/100 with 6 warning signs

No single metric tells the full story. See the FRA:0KZA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Amerant Bancorp Business Description

Other Exchanges AMTB:USA
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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€20.40
Price
€16.97
GF Value