World Acceptance vs Amerant

World Acceptance vs Amerant: this page compares the two organisations’ business models, financial performance, and market context in clear, accessible terms. Learn how each company operates, how their strategies shape outcomes, and the environments in which they serve customers. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

WRLD

Metric

AMTB

$662.31M

Market Cap

$840.58M

12.40%

Potential Profit

-0.46%

Hold

Analyst Rating

Buy

Investment Analysis

World Acceptance

WRLD

Pros

Gross loans outstanding increased sequentially by 4.0% in the latest quarter, indicating loan portfolio growth.
Second quarter net charge-offs decreased slightly year-over-year, showing some improvement in loan losses management.
Long-term consistent margin expansion and profit growth with earnings increasing at a 5% annual rate over five years.

Considerations

Net loss was reported for the first six months of fiscal 2026, reversing from net income in the prior year period.
Annualized net charge-offs as a percentage of average loans increased in the first half of 2026, indicating rising credit risk.
Revenue slightly declined by 1.43% in 2024 compared to 2023, suggesting pressure on top-line growth.

Amerant

AMTB

Pros

Market capitalization around $689 million provides a moderate size for nimble banking operations.
Price-to-book ratio under 1 (0.76) suggests potential undervaluation relative to book value.
Strong regional banking presence in Florida and Texas markets with diversified financial services.

Considerations

Relatively small share float (about 41 million shares) may limit liquidity and increase volatility.
Exposure to regional economic cycles and real estate markets could increase vulnerability to downturns.
Lack of recent detailed financial result summaries publicly available may reduce transparency for investors.

About The Companies

World Acceptance (WRLD)

World Acceptance Corporation is a finance company focused on providing personal instalment loan solutions. It primarily serves individuals who may have limited access to credit from traditional sources like banks or credit unions. Beyond loans, the company also offers personal tax preparation and filing services. Through its network of approximately 1,000 community-based branches across 16 US states, it has established a significant physical presence. In certain states, it also acts as an agent, marketing various insurance products, such as credit life and health insurance, in connection with its loans. The business model is centred on providing accessible financial products to a specific segment of the consumer market. As with any investment, it's important to remember that capital is at risk and performance is not guaranteed.

Amerant (AMTB)

Amerant Bancorp Inc. is a bank holding company operating through its main subsidiary, Amerant Bank. It offers a comprehensive suite of financial services to individuals, businesses, and high-net-worth clients. These services include standard retail and commercial banking, such as deposits and credit, alongside more specialised offerings like wealth management, investment products, and fiduciary services. For affluent customers, Amerant provides sophisticated trust and estate planning solutions. The company has embraced digital banking, offering a full range of online and mobile services, which complements its traditional branch-based operations. For investors, Amerant represents a company with deep roots in the financial services industry, attempting to blend traditional banking with modern convenience. As with any financial institution, its performance can be influenced by economic conditions and interest rate changes. The value of investments can go down as well as up.

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World Acceptance vs Amerant

Comparison Snapshot

Investment Analysis

World Acceptance

Pros

Considerations

Amerant

Pros

Considerations

About The Companies

Buy WRLD or AMTB in Nemo

Zero Commission

Trusted & Regulated

6% Interest on Cash

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Frequently asked questions

What is the basic difference between the business models of World Acceptance and Amerant?

How should I interpret a growing loan portfolio versus stable earnings?

What do net charge-offs tell me about credit risk?

How should I view margins and profitability across these two stocks?

What does a low price-to-book ratio indicate in this comparison?

How does market size and liquidity affect investment decisions here?

What market or regional factors should I consider for these stocks?

How does transparency of financial results affect analysis?

What should I do if I’m unsure how to compare these two stocks?

Educational disclaimer: can I rely on this page to make investment decisions?

Comparison Snapshot

About The Companies