Provide a range of banking products including checking and savings accounts. Offer various loan products such as commercial real estate and personal loans. Now — the numbers.
This is an established company with proven profits.
Average growth of 21% a year over the last 4 years. Red columns mark years that ended in a loss.
The market pays 21.9× for every dollar of annual profit — around what a business like this usually costs.
Against companies in its own sector, it looks cheaper than 90% of them.
Analysts' average target sits 17% below today's price.
Executives buying with their own money is usually read as confidence in the company’s future.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly above the class average — a step short of the very top.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price looks reasonable next to what the company earns.
Sales are growing strongly for its sector.
The stock has been running stronger than the market lately.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
The stock trades 18% below its peak. The market has trimmed its expectations for the company.
Over the last 4 years, sales grew about 21% a year on average.
Over the last 12 months, company executives reported 66 buys and 60 sells. Management buying with its own money is usually read as a good sign.
The stock trades 17% above the average analyst price target.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 49/100.
On our five-subject report card, AMTB sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: AMTB is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.
Not covered, because the filings we hold do not carry it: the revenue breakdown.