Also trades as: AMTBB (NASDAQ) · $vol 1M

$22.46

+0.06 (+0.27%)

Weekly Expected Move ±3.4%

$21 $22 $22 $23 $24

NYSE · Financial Services · Banks - Regional · Alpha Radar Sell · Power 44 · $883.9M mcap · 35M float · 0.772% daily turnover · Short 58% of daily vol

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

NO EDGE

39.1 / 100

NoneWeakNarrowWide

Primary source: Network Effects · ROIC: -12.3%

Cost Advantage

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. AMTB has No discernible competitive edge (39.1/100). The business operates without significant structural advantages. The primary source of advantage is Network Effects. Negative ROIC of -12.3% indicates the company is currently destroying value, though this may reflect a growth investment phase.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

Low

$23

Avg Target

$23

High

Based on 5 analyst ratings (12 mo)

Analyst Recommendations

Strong Buy: 0Buy: 3Hold: 4Sell: 0Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$23.40

Analysts5

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-01-26	Piper Sandler	—	$22	$25	+3	+17.6%	$21.26
2026-01-07	Raymond James	—	$21	$23	+2	+12.6%	$20.42
2025-10-29	Piper Sandler	—	$26	$22	-4	+30.3%	$16.89
2025-10-29	Raymond James	—	$36	$21	-15	+24.3%	$16.89
2025-10-22	Piper Sandler	—	$26	$26	-0	+46.8%	$17.71
2024-09-30	Stephens	Russel Gunther	Initiated	$25	—	+21.6%	$20.56
2024-09-29	Piper Sandler	Stephen Scouten	Initiated	$26	—	+28.9%	$20.56
2022-04-22	Raymond James	—	Initiated	$36	—	+21.6%	$29.60

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

B-

May 22, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. AMTB receives an overall rating of B-. Areas of concern: DCF (1/5), D/E (2/5), P/E (2/5).

Rating Change History

Date	From	To
2026-05-14	C+	B-
2026-05-04	B-	C+
2026-05-01	B	B-
2026-04-30	B-	B
2026-04-01	C+	B-
2026-02-24	B-	C+
2026-02-23	C+	B-
2026-02-06	B-	C+
2026-02-03	B	B-

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 57 Grade A

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. AMTB scores highest in Earnings Quality (97/100) and lowest in Profitability (46/100). An overall grade of A places AMTB among the highest-quality companies in its peer group.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score

3.04

Safe Zone

Piotroski F-Score

8/9

✓ ✓ ✓ ✓ ✗ ✓ ✓ ✓ ✓

Beneish M-Score

-2.70

Unlikely Manipulator

Ohlson O-Score

-5.14

Bankruptcy prob: 0.6%

Low Risk

Credit Rating

BB+

Score: 49.9/100

Trend: Improving

Earnings Quality

100/100

OCF/NI: 2.01x

Accruals: -0.7%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. AMTB scores 3.04, placing it in the Safe Zone (safe > 3.0, distress < 1.5). Bankruptcy is statistically unlikely within the next two years. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. AMTB scores 8/9, signaling strong financial health across all three dimensions. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. AMTB's score of -2.70 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. AMTB's implied 0.6% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. AMTB receives an estimated rating of BB+ (score: 49.9/100), with a improving trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). AMTB's score of 100/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

14.28x

PEG

0.01x

P/S

1.39x

P/B

0.99x

P/FCF

7.36x

P/OCF

6.99x

EV/EBITDA

-7.32x

EV/Revenue

-0.88x

EV/EBIT

-7.62x

EV/FCF

-4.62x

Earnings Yield

7.10%

FCF Yield

13.59%

Shareholder Yield

6.90%

Graham Number

$28.57

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 14.3x earnings, AMTB trades at a reasonable valuation. An earnings yield of 7.1% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $28.57 per share, suggesting a potential 27% margin of safety at the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.861

NI / EBT

Interest Burden

1.000

EBT / EBIT

EBIT Margin

0.115

EBIT / Rev

Asset Turnover

0.065

Rev / Assets

Equity Multiplier

10.758

Assets / Equity

ROE

6.9%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. AMTB's ROE of 6.9% is driven by financial leverage (equity multiplier: 10.76x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Adj. Growth Rate

0.00%

Fair P/E

8.50x

Intrinsic Value

$13.30

Price/Value

1.66x

Margin of Safety

-65.68%

Premium

65.68%

Assessment

Overvalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with AMTB's realized 0.0% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. AMTB trades at a 66% premium to its adjusted intrinsic value of $13.30, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 8.5x compares to the current market P/E of 14.3x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$22.48

Median 1Y

$21.81

5th Pctile

$10.78

95th Pctile

$44.57

Ann. Volatility

46.4%

25th–75th percentile 5th–95th percentile Median path Historical

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
Gerald P. Plush Former Chairman, President and Chief Executive Officer	$872,000	$1,212,318	$5,883,243
Braden Smith Consumer enior Executive Vice President and Chief Consumer Banking Officer	$565,000	$428,087	$1,607,677
Carlos Iafigliola Interim Executive Vice President and Interim Chief Executive Officer	$597,692	$333,385	$1,099,618
Howard Levine Consumer enior Executive Vice President and Chief Consumer Banking Officer	$88,288	$—	$980,467
Sharymar Calderón Financial ecutive Vice President and Chief Financial Officer	$475,000	$359,902	$976,497
Alberto Capriles Risk or Executive Vice President and Chief Risk Officer	$468,500	$283,986	$829,454
Mariola Sanchez Administrative ve Vice President and Chief Administrative Banking Officer	$415,000	$251,544	$761,883

CEO Pay Ratio

25:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $5,883,243

Avg Employee Cost (SGA/emp): $239,022

Employees: 694

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

694

-0.6% YoY

Revenue / Employee

$944,157

Rev: $655,245,000

Profit / Employee

$75,529

NI: $52,417,000

SGA / Employee

$239,022

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
ROE	5.0%	6.9%	14.0%	14.1%	13.1%	13.2%	7.8%	8.4%	8.3%	8.9%	4.5%	3.2%	2.8%	-6.9%	-1.9%	-1.8%	0.5%	8.2%	5.7%	6.9%	6.93%
ROA	0.5%	0.7%	1.5%	1.5%	1.4%	1.4%	0.7%	0.8%	0.8%	0.8%	0.3%	0.2%	0.2%	-0.5%	-0.2%	-0.1%	0.0%	0.7%	0.5%	0.6%	0.64%
ROIC	7.7%	10.5%	24.3%	24.3%	22.8%	23.0%	9.8%	10.7%	10.5%	11.2%	21.4%	14.9%	13.4%	-34.6%	17.6%	16.2%	-3.4%	-61.7%	-10.2%	-12.3%	-12.30%
ROCE	2.4%	3.3%	7.2%	7.2%	6.7%	6.8%	3.6%	3.9%	3.8%	4.1%	2.3%	1.6%	1.5%	-3.5%	-1.2%	-1.1%	0.1%	4.1%	1.7%	1.8%	1.85%
Gross Margin	92.2%	93.9%	96.7%	99.8%	86.3%	74.3%	55.9%	58.0%	44.8%	53.8%	36.9%	50.3%	47.4%	12.3%	49.8%	52.3%	60.7%	56.2%	60.6%	59.0%	59.03%
Operating Margin	24.7%	29.2%	1.1%	23.1%	12.8%	21.7%	19.8%	19.5%	5.9%	18.9%	-17.3%	8.5%	3.9%	-60.6%	12.0%	9.3%	17.6%	11.4%	1.2%	15.5%	15.53%
Net Margin	20.1%	22.8%	82.0%	19.6%	10.2%	17.0%	15.9%	15.6%	4.8%	14.9%	-14.1%	6.6%	3.0%	-47.1%	11.3%	7.2%	13.5%	8.8%	1.8%	15.5%	15.53%
EBITDA Margin	27.0%	32.0%	1.1%	24.6%	14.4%	23.1%	21.4%	20.5%	7.4%	20.1%	-16.1%	9.4%	4.9%	-58.9%	13.2%	10.3%	18.5%	12.3%	1.2%	15.5%	15.53%
FCF Margin	18.6%	13.5%	19.7%	13.0%	-7.0%	-4.4%	-15.6%	-15.8%	-4.3%	2.4%	2.9%	6.5%	4.4%	-3.4%	13.0%	16.1%	26.1%	26.8%	19.7%	19.0%	19.02%
OCF Margin	20.0%	15.5%	21.9%	15.5%	-4.2%	-1.4%	-12.9%	-12.9%	-1.6%	4.4%	4.8%	8.3%	5.9%	-1.8%	14.3%	17.1%	27.2%	27.3%	20.9%	20.0%	20.01%
ROE 3Y Avg	snapshot only																				2.75%
ROE 5Y Avg	snapshot only																				6.21%
ROA 3Y Avg	snapshot only																				0.25%
ROIC Economic	snapshot only																				3.22%
Cash ROA	snapshot only																				1.31%
NOPAT Margin	snapshot only																				9.93%
Pretax Margin	snapshot only																				11.54%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				26.02%
SBC / Revenue	snapshot only																				0.54%

Valuation

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
P/E Ratio	18.58	15.54	10.63	9.16	8.46	7.43	14.32	10.80	8.69	8.26	24.43	33.02	36.39	-14.20	-59.04	-59.78	205.67	12.02	15.30	14.08	14.282
P/S Ratio	2.43	2.86	3.89	3.34	2.85	2.31	2.25	1.62	1.10	1.03	1.44	1.30	1.26	1.29	1.62	1.48	1.29	1.23	1.22	1.40	1.386
P/B Ratio	0.96	1.11	1.44	1.25	1.08	0.95	1.22	0.99	0.78	0.80	1.08	1.03	1.01	0.96	1.04	0.96	0.85	0.90	0.85	0.95	0.991
P/FCF	13.05	21.25	19.73	25.69	-40.63	-52.89	-14.40	-10.26	-25.63	43.31	50.27	20.07	28.37	-37.51	12.43	9.18	4.92	4.58	6.21	7.36	7.356
P/OCF	12.11	18.44	17.81	21.60	—	—	—	—	—	23.58	29.70	15.63	21.34	—	11.32	8.62	4.74	4.50	5.85	6.99	6.992
EV/EBITDA	8.48	7.79	5.42	4.40	3.68	2.93	9.38	6.78	5.15	4.93	4.18	4.46	4.64	-2.02	3.91	9.08	-30.40	-2.23	-9.22	-7.32	-7.319
EV/Revenue	1.57	1.98	2.66	2.12	1.65	1.20	1.97	1.37	0.89	0.84	0.37	0.28	0.26	0.21	-0.12	-0.24	-0.41	-0.30	-0.99	-0.88	-0.880
EV/EBIT	10.08	8.85	5.70	4.60	3.84	3.04	10.12	7.28	5.60	5.35	4.88	5.52	5.74	-1.81	2.84	6.33	-178.48	-2.40	-9.86	-7.62	-7.621
EV/FCF	8.44	14.73	13.49	16.32	-23.45	-27.53	-12.61	-8.70	-20.70	35.13	12.76	4.33	5.88	-6.07	-0.91	-1.50	-1.58	-1.13	-5.05	-4.62	-4.624
Earnings Yield	5.4%	6.4%	9.4%	10.9%	11.8%	13.5%	7.0%	9.3%	11.5%	12.1%	4.1%	3.0%	2.7%	-7.0%	-1.7%	-1.7%	0.5%	8.3%	6.5%	7.1%	7.10%
FCF Yield	7.7%	4.7%	5.1%	3.9%	-2.5%	-1.9%	-6.9%	-9.7%	-3.9%	2.3%	2.0%	5.0%	3.5%	-2.7%	8.0%	10.9%	20.3%	21.8%	16.1%	13.6%	13.59%
PEG Ratio	snapshot only																				0.010
Price/Tangible Book	snapshot only																				0.971
EV/OCF	snapshot only																				-4.396
EV/Gross Profit	snapshot only																				-1.488
Acquirers Multiple	snapshot only																				-7.621
Shareholder Yield	snapshot only																				6.90%
Graham Number	snapshot only																				$28.57

Leverage & Solvency

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Current Ratio	0.27	0.27	0.27	0.27	0.27	0.27	0.21	0.21	0.21	0.21	0.19	0.19	0.19	0.19	0.25	0.25	0.25	0.25	0.43	0.43	0.431
Quick Ratio	0.27	0.27	0.27	0.27	0.27	0.27	0.21	0.21	0.21	0.21	0.19	0.19	0.19	0.19	0.25	0.25	0.25	0.25	0.43	0.43	0.431
Debt/Equity	1.50	1.50	1.28	1.28	1.28	1.28	1.69	1.69	1.69	1.69	1.25	1.25	1.25	1.25	1.13	1.13	1.13	1.13	1.11	1.11	1.109
Net Debt/Equity	-0.34	-0.34	-0.46	-0.46	-0.46	-0.46	-0.15	-0.15	-0.15	-0.15	-0.80	-0.80	-0.80	-0.80	-1.12	-1.12	-1.12	-1.12	-1.55	-1.55	-1.549
Debt/Assets	0.15	0.15	0.14	0.14	0.14	0.14	0.13	0.13	0.13	0.13	0.09	0.09	0.09	0.09	0.10	0.10	0.10	0.10	0.11	0.11	0.106
Debt/EBITDA	20.40	15.17	7.07	7.10	7.58	7.58	14.92	13.69	13.79	12.91	19.13	25.19	27.62	-16.26	-57.46	-65.22	126.11	11.34	14.71	13.57	13.572
Net Debt/EBITDA	-4.64	-3.45	-2.51	-2.52	-2.70	-2.70	-1.33	-1.22	-1.23	-1.15	-12.29	-16.19	-17.75	10.45	57.11	64.81	-125.32	-11.27	-20.55	-18.96	-18.961
Interest Coverage	0.88	1.42	3.37	3.66	3.34	2.71	1.03	0.77	0.54	0.45	0.19	0.12	0.10	-0.23	-0.09	-0.08	0.01	0.34	0.28	0.32	0.322
Equity Multiplier	9.92	9.92	9.15	9.15	9.15	9.15	12.90	12.90	12.90	12.90	13.20	13.20	13.20	13.20	11.12	11.12	11.12	11.12	10.41	10.41	10.414
Cash Ratio	snapshot only																				0.431
Debt Service Coverage	snapshot only																				0.335
Cash to Debt	snapshot only																				2.397
FCF to Debt	snapshot only																				0.117
Defensive Interval	snapshot only																				3009.2 days

Efficiency & Turnover

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.06	0.07	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.07	0.07	0.06	0.065
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	3.87	3.78	3.31	3.35	3.39	3.69	3.08	3.49	4.05	4.41	7.07	7.44	7.60	7.00	—	—	—	—	161.98	157.58	157.581
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
DSO	94	97	110	109	108	99	119	105	90	83	52	49	48	52	0	0	0	0	2	2	2.3 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
Cash Conversion Cycle	94	97	110	109	108	99	119	105	90	83	52	49	48	52	0	0	0	0	2	2	—
Fixed Asset Turnover	snapshot only																				5.771
Cash Velocity	snapshot only																				0.256
Capital Intensity	snapshot only																				15.320

Growth (YoY)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue	-14.1%	-13.8%	-7.6%	-0.9%	1.5%	13.3%	23.9%	38.8%	59.4%	59.5%	44.2%	33.9%	17.9%	-0.4%	4.3%	0.1%	-0.9%	19.4%	14.1%	9.8%	9.77%
Net Income	2.0%	16.1%	66.6%	11.2%	1.6%	91.0%	-46.8%	-43.0%	-40.0%	-36.0%	-45.9%	-64.8%	-67.8%	-1.7%	-1.5%	-1.6%	-82.1%	2.3%	4.3%	5.4%	5.41%
EPS	2.3%	18.1%	74.8%	12.1%	1.9%	1.1%	-41.7%	-40.9%	-39.6%	-35.9%	-45.3%	-64.3%	-67.9%	-1.7%	-1.4%	-1.5%	-85.5%	2.1%	4.4%	5.6%	5.60%
FCF	-1.6%	-5.2%	17.8%	-27.5%	-1.4%	-1.4%	-2.0%	-2.7%	2.2%	1.9%	1.3%	1.6%	2.2%	-2.4%	3.7%	1.5%	4.8%	10.3%	72.8%	29.8%	29.84%
EBITDA	1.5%	6.7%	29.0%	7.1%	1.5%	82.5%	-46.9%	-41.8%	-38.4%	-34.1%	-40.1%	-58.3%	-61.6%	-1.6%	-1.4%	-1.4%	-76.1%	2.6%	5.0%	6.0%	5.98%
Op. Income	2.0%	22.2%	34.2%	14.2%	1.8%	99.2%	-48.3%	-43.3%	-40.8%	-36.9%	-44.5%	-63.8%	-66.3%	-1.7%	-1.6%	-1.7%	-95.0%	2.3%	3.7%	4.3%	4.33%
OCF Growth	snapshot only																				28.19%
Asset Growth	snapshot only																				-1.26%
Equity Growth	snapshot only																				5.43%
Debt Growth	snapshot only																				3.60%
Shares Change	snapshot only																				-3.97%
Dividend Growth	snapshot only																				8.96%

Growth (CAGR)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue 3Y	—	—	48.7%	18.7%	4.0%	-2.6%	1.0%	5.3%	11.6%	15.9%	18.2%	22.6%	24.0%	21.6%	23.1%	23.0%	23.0%	23.8%	19.7%	13.8%	13.75%
Revenue 5Y	—	—	—	—	—	—	—	—	—	—	42.5%	25.5%	16.2%	8.0%	9.2%	9.4%	10.2%	13.1%	14.4%	15.1%	15.14%
EPS 3Y	—	—	1.1%	71.7%	49.3%	37.5%	14.2%	25.1%	80.1%	2.0%	—	40.4%	-17.4%	—	—	—	-69.6%	-20.4%	-10.5%	-6.5%	-6.54%
EPS 5Y	—	—	—	—	—	—	—	—	—	—	23.8%	1.3%	-8.4%	—	—	—	-23.0%	82.9%	—	44.6%	44.64%
Net Income 3Y	—	—	98.5%	60.6%	38.1%	26.9%	5.4%	15.9%	67.8%	1.8%	—	34.7%	-20.3%	—	—	—	-67.4%	-14.6%	-4.5%	-0.8%	-0.78%
Net Income 5Y	—	—	—	—	—	—	—	—	—	—	17.6%	-3.6%	-12.6%	—	—	—	-22.9%	82.6%	—	46.6%	46.63%
EBITDA 3Y	—	—	1.0%	60.3%	36.9%	25.1%	4.2%	14.2%	55.7%	1.1%	1.1%	25.0%	-16.6%	—	—	—	-61.6%	-14.4%	-4.2%	-4.3%	-4.35%
EBITDA 5Y	—	—	—	—	—	—	—	—	—	—	21.8%	0.0%	-9.5%	—	—	—	-19.1%	54.5%	69.5%	32.6%	32.59%
Gross Profit 3Y	—	—	59.1%	29.3%	12.7%	3.3%	2.1%	4.2%	12.0%	16.4%	15.3%	13.4%	5.2%	-6.8%	-4.6%	-5.6%	-2.3%	5.7%	8.9%	9.3%	9.28%
Gross Profit 5Y	—	—	—	—	—	—	—	—	—	—	30.7%	14.6%	6.4%	-4.8%	-2.2%	-0.3%	6.3%	14.3%	16.6%	15.1%	15.06%
Op. Income 3Y	—	—	1.1%	64.8%	40.7%	28.6%	5.2%	16.5%	71.0%	2.1%	—	46.0%	-17.7%	—	—	—	-78.4%	-15.4%	-3.9%	-3.4%	-3.36%
Op. Income 5Y	—	—	—	—	—	—	—	—	—	—	21.7%	-1.7%	-11.1%	—	—	—	-38.9%	94.8%	—	50.6%	50.62%
FCF 3Y	—	—	53.0%	13.7%	—	—	—	—	—	-32.9%	-32.6%	-12.4%	-23.1%	—	7.1%	32.0%	—	—	—	—	—
FCF 5Y	—	—	—	—	—	—	—	—	—	—	-1.4%	6.4%	-10.6%	—	3.1%	11.0%	21.2%	32.3%	20.1%	16.7%	16.72%
OCF 3Y	—	—	46.4%	12.3%	—	—	—	—	—	-23.2%	-22.4%	-7.5%	-17.5%	—	6.8%	27.3%	—	—	—	—	—
OCF 5Y	—	—	—	—	—	—	—	—	—	—	4.5%	7.2%	-8.6%	—	1.0%	7.6%	17.3%	27.5%	19.1%	15.9%	15.89%
Assets 3Y	—	—	-2.0%	-2.0%	-2.0%	-2.0%	4.6%	4.6%	4.6%	4.6%	7.7%	7.7%	7.7%	7.7%	9.0%	9.0%	9.0%	9.0%	2.3%	2.3%	2.32%
Assets 5Y	—	—	—	—	—	—	—	—	—	—	3.6%	3.6%	3.6%	3.6%	4.4%	4.4%	4.4%	4.4%	4.7%	4.7%	4.70%
Equity 3Y	—	—	3.7%	3.7%	3.7%	3.7%	-5.3%	-5.3%	-5.3%	-5.3%	-2.1%	-2.1%	-2.1%	-2.1%	2.2%	2.2%	2.2%	2.2%	9.9%	9.9%	9.87%
Book Value 3Y	—	—	9.2%	10.9%	12.1%	12.4%	2.6%	2.1%	1.6%	1.9%	5.4%	2.1%	1.6%	1.4%	-2.2%	-3.9%	-4.7%	-4.8%	3.0%	3.5%	3.49%
Dividend 3Y	—	—	—	—	—	—	—	68.9%	34.0%	17.8%	7.1%	4.1%	3.7%	3.5%	-2.3%	-1.9%	-1.0%	0.6%	-1.1%	-3.1%	-3.07%

Growth Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue Stability	0.14	0.95	0.40	0.28	0.04	0.36	0.00	0.17	0.38	0.55	0.91	0.90	0.77	0.52	0.62	0.68	0.73	0.81	0.92	0.94	0.939
Earnings Stability	0.00	0.00	0.38	0.41	0.54	0.44	0.29	0.33	0.40	0.33	0.09	0.05	0.03	0.07	0.11	0.12	0.04	0.00	0.03	0.03	0.033
Margin Stability	0.83	0.75	0.78	0.79	0.79	0.78	0.78	0.78	0.74	0.71	0.74	0.74	0.74	0.68	0.69	0.67	0.68	0.68	0.77	0.82	0.824
Rev. Growth Consistency	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	0.00	1.00	1.00	0.00	0.50	1.00	1.00	1.000
Earn. Growth Consistency	0.50	0.50	0.50	0.50	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.500
FCF Positive Streak	1	1	1	1	0	0	0	0	0	0	0	0	0	0	1	1	1	0	1	1	1
Earnings Persistence	0.50	0.50	0.20	0.50	0.50	0.50	0.50	0.83	0.84	0.86	0.82	0.50	0.50	0.20	0.20	0.20	0.50	0.20	0.20	0.20	0.200
Earnings Smoothness	0.00	0.00	—	0.00	0.11	0.37	0.39	0.45	0.50	0.56	0.40	0.04	0.00	—	—	—	0.00	—	—	—	—
ROE Trend	0.02	0.03	0.11	0.11	0.09	0.09	0.02	0.02	0.00	-0.00	-0.07	-0.08	-0.08	-0.18	-0.08	-0.08	-0.05	0.06	0.04	0.06	0.060
Gross Margin Trend	0.13	0.24	0.28	0.32	0.27	0.18	0.05	-0.11	-0.29	-0.35	-0.35	-0.34	-0.28	-0.31	-0.20	-0.14	-0.05	0.09	0.12	0.14	0.140
FCF Margin Trend	0.02	-0.04	0.03	-0.03	-0.24	-0.17	-0.33	-0.31	-0.10	-0.02	0.01	0.08	0.10	-0.02	0.19	0.21	0.26	0.27	0.12	0.08	0.077
Sustainable Growth Rate	5.0%	6.9%	14.0%	13.7%	12.4%	12.1%	6.2%	6.8%	6.7%	7.3%	2.8%	1.5%	1.2%	—	—	—	-1.3%	6.3%	4.1%	5.3%	5.30%
Internal Growth Rate	0.5%	0.7%	1.5%	1.5%	1.3%	1.3%	0.6%	0.6%	0.6%	0.7%	0.2%	0.1%	0.1%	—	—	—	—	0.5%	0.4%	0.5%	0.50%

Cash Flow Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
OCF/Net Income	1.53	0.84	0.60	0.42	-0.13	-0.05	-0.82	-0.86	-0.13	0.35	0.82	2.11	1.71	0.19	-5.22	-6.94	43.39	2.67	2.61	2.01	2.014
FCF/OCF	0.93	0.87	0.90	0.84	1.66	3.08	1.22	1.22	2.62	0.54	0.59	0.78	0.75	1.96	0.91	0.94	0.96	0.98	0.94	0.95	0.951
FCF/Net Income	snapshot only																				1.914
OCF/EBITDA	snapshot only																				1.665
CapEx/Revenue	1.5%	2.0%	2.1%	2.5%	2.8%	2.9%	2.8%	2.9%	2.7%	2.0%	2.0%	1.8%	1.5%	1.7%	1.3%	1.1%	1.0%	0.5%	1.2%	1.0%	0.99%
CapEx/Depreciation	snapshot only																				2.077
Accruals Ratio	-0.00	0.00	0.01	0.01	0.02	0.01	0.01	0.01	0.01	0.01	0.00	-0.00	-0.00	-0.00	-0.01	-0.01	-0.02	-0.01	-0.01	-0.01	-0.007
Sloan Accruals	snapshot only																				0.266
Cash Flow Adequacy	snapshot only																				6.015
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Dividend Yield	0.0%	0.0%	0.0%	0.3%	0.7%	1.2%	1.4%	1.7%	2.2%	2.1%	1.5%	1.6%	1.6%	1.7%	1.4%	1.6%	1.9%	1.9%	1.9%	1.7%	1.60%
Dividend/Share	$0.00	$0.00	$0.00	$0.09	$0.18	$0.27	$0.36	$0.36	$0.36	$0.36	$0.36	$0.36	$0.36	$0.36	$0.30	$0.32	$0.34	$0.36	$0.37	$0.37	$0.36
Payout Ratio	0.0%	0.0%	0.0%	2.8%	5.8%	8.6%	20.3%	18.6%	18.9%	17.7%	37.1%	52.7%	58.7%	—	—	—	3.9%	22.8%	28.8%	23.5%	23.53%
FCF Payout Ratio	0.0%	0.0%	0.0%	7.8%	—	—	—	—	—	92.5%	76.4%	32.0%	45.8%	—	17.1%	14.6%	9.4%	8.7%	11.7%	12.3%	12.29%
Total Payout Ratio	1.6%	1.2%	42.5%	92.4%	1.1%	1.1%	1.4%	48.0%	23.9%	24.9%	51.1%	65.0%	95.5%	—	—	—	7.2%	52.8%	91.8%	97.2%	97.20%
Div. Increase Streak	—	—	—	0	0	0	0	1	1	1	0	0	0	0	0	0	0	0	1	1	0
Chowder Number	—	—	—	—	—	—	—	2.85	0.97	0.33	0.00	0.01	0.02	0.02	0.08	0.15	0.22	0.28	0.20	0.11	0.106
Buyback Yield	8.4%	7.5%	4.0%	9.8%	12.5%	14.0%	8.5%	2.7%	0.6%	0.9%	0.6%	0.4%	1.0%	1.0%	0.8%	1.5%	1.6%	2.5%	4.1%	5.2%	5.23%
Net Buyback Yield	8.4%	7.5%	4.0%	9.8%	12.5%	14.0%	8.5%	2.7%	0.6%	0.9%	0.6%	0.4%	1.0%	1.0%	0.8%	1.5%	1.6%	2.5%	4.1%	5.2%	5.16%
Total Shareholder Return	8.4%	7.5%	4.0%	10.1%	13.2%	15.2%	9.9%	4.4%	2.8%	3.0%	2.1%	2.0%	2.6%	2.7%	2.2%	3.1%	3.5%	4.4%	6.0%	6.8%	6.84%

DuPont Factors

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Tax Burden (NI/EBT)	0.84	0.82	0.78	0.79	0.79	0.79	0.81	0.80	0.80	0.80	0.79	0.77	0.76	0.79	0.65	0.65	2.71	0.81	0.79	0.86	0.861
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
EBIT Margin	0.16	0.22	0.47	0.46	0.43	0.39	0.19	0.19	0.16	0.16	0.07	0.05	0.05	-0.12	-0.04	-0.04	0.00	0.13	0.10	0.12	0.115
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.06	0.07	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.07	0.07	0.06	0.065
Equity Multiplier	9.74	9.74	9.52	9.52	9.52	9.52	10.87	10.87	10.87	10.87	13.05	13.05	13.05	13.05	12.06	12.06	12.06	12.06	10.76	10.76	10.758

Per Share

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
EPS (Diluted TTM)	$1.08	$1.49	$3.05	$3.24	$3.13	$3.16	$1.78	$1.92	$1.89	$2.03	$0.97	$0.68	$0.61	$-1.47	$-0.37	$-0.34	$0.09	$1.59	$1.28	$1.57	$1.57
Book Value/Share	$20.78	$20.88	$22.51	$23.76	$24.61	$24.73	$20.93	$20.91	$20.99	$21.01	$22.02	$22.02	$21.79	$21.79	$21.06	$21.11	$21.27	$21.32	$22.84	$23.17	$22.67
Tangible Book/Share	$20.27	$20.36	$21.99	$23.21	$24.03	$24.15	$20.36	$20.33	$20.41	$20.43	$21.44	$21.44	$21.22	$21.22	$20.61	$20.65	$20.81	$20.86	$22.37	$22.70	$22.70
Revenue/Share	$8.24	$8.09	$8.32	$8.90	$9.30	$10.19	$11.30	$12.81	$14.91	$16.27	$16.49	$17.37	$17.55	$16.16	$13.60	$13.78	$14.03	$15.61	$15.96	$15.75	$15.82
FCF/Share	$1.53	$1.09	$1.64	$1.16	$-0.65	$-0.44	$-1.77	$-2.02	$-0.64	$0.39	$0.47	$1.13	$0.78	$-0.56	$1.77	$2.22	$3.67	$4.18	$3.14	$3.00	$3.01
OCF/Share	$1.65	$1.26	$1.82	$1.38	$-0.39	$-0.14	$-1.45	$-1.65	$-0.24	$0.71	$0.80	$1.44	$1.04	$-0.28	$1.94	$2.36	$3.81	$4.26	$3.33	$3.15	$3.17
Cash/Share	$38.19	$38.37	$39.11	$41.28	$42.74	$42.95	$38.62	$38.58	$38.74	$38.76	$45.27	$45.27	$44.80	$44.80	$47.39	$47.48	$47.84	$47.95	$60.70	$61.59	$1.57
EBITDA/Share	$1.53	$2.06	$4.08	$4.29	$4.16	$4.18	$2.38	$2.59	$2.58	$2.76	$1.44	$1.09	$0.99	$-1.68	$-0.41	$-0.37	$0.19	$2.12	$1.72	$1.89	$1.89
Debt/Share	$31.11	$31.26	$28.85	$30.45	$31.53	$31.68	$35.47	$35.42	$35.57	$35.59	$27.56	$27.56	$27.27	$27.27	$23.77	$23.82	$23.99	$24.05	$25.32	$25.69	$25.69
Net Debt/Share	$-7.08	$-7.11	$-10.26	$-10.83	$-11.21	$-11.27	$-3.16	$-3.15	$-3.17	$-3.17	$-17.71	$-17.71	$-17.53	$-17.53	$-23.62	$-23.67	$-23.84	$-23.90	$-35.38	$-35.90	$-35.90

Academic Models

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	3.037
Altman Z-Prime	snapshot only																				-1.848
Piotroski F-Score	6	5	6	6	5	5	4	4	4	5	5	6	6	2	6	5	6	8	8	8	8
Beneish M-Score	-2.60	-2.28	-2.54	-2.58	-2.40	-2.17	-1.37	-1.31	-1.14	-1.59	-3.08	-3.07	-3.33	-2.00	-2.44	-2.53	-2.66	-2.32	-2.63	-2.70	-2.705
Ohlson O-Score	snapshot only																				-5.136
Net-Net WC	snapshot only																				$-156.58

Credit

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Credit Rating	snapshot only																				BB+
Credit Score	43.04	42.46	61.83	60.92	59.13	58.83	34.67	37.28	37.48	40.88	35.24	34.00	31.55	24.85	27.95	27.77	35.33	50.36	51.02	49.93	49.930
Credit Grade	snapshot only																				11
Credit Trend	snapshot only																				22.156
Implied Spread (bps)	snapshot only																				400.000
Industry Credit Rank	snapshot only																				28
Sector Credit Rank	snapshot only																				36

AMTB NYSE

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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