
Amerant Bancorp Inc.
NASDAQ•AMTB
CEO: Mr. Gerald Paul Plush C.M.A., CPA
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 2018-10-18
Amerant Bancorp Inc. operates as the bank holding company for Amerant Bank, N.A. that provides banking products and services to individuals and businesses in the United States and internationally. It offers checking, savings, business, and money market accounts; cash management services; and certificates of deposits. The company also provides variable and fixed rate commercial real estate loans; owner-occupied; single-family residential; commercial; and consumer loans and overdrafts, such as automobile, personal, or loans secured by cash or securities and revolving credit card agreements. In addition, it offers trust and estate planning products and services to high-net-worth customers, brokerage and investment advisory services in global capital markets, and wealth management and fiduciary services. Further, the company provides debit and credit cards, night depositories, direct deposits, cashier's checks, safe deposit boxes, letters of credit, and treasury management services, including wire transfer, remote deposit capture, and automated clearinghouse services; derivative instruments; and online and mobile banking, account balances, statements and other documents, online transfers and bill payment, and electronic delivery of customer statements services, as well as automated teller machines, and banking by mobile devices, telephone, and mail. It operates banking centers in Florida and Texas. The company was formerly known as Mercantil Bank Holding Corporation and changed its name to Amerant Bancorp Inc. in June 2019. Amerant Bancorp Inc. was founded in 1979 and is headquartered in Coral Gables, Florida.
Contact Information
Market Cap
$718.21M
P/E (TTM)
10.1
14.1
Dividend Yield
2.1%
52W High
$26.24
52W Low
$15.62
52W Range
2.2
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 2.2 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2015-2024
Financial Dashboard
Q3 2025 Data
Revenue
$167.95M+64.41%
4-Quarter Trend
EPS
$0.35-124.48%
4-Quarter Trend
FCF
$0.00-100.00%
4-Quarter Trend
2025 Q3 Earnings Highlights
Key Highlights
Strong NIM and Profitability Turnaround Net Interest Margin increased to 3.92% (3 months), up 43 bps YoY. Net income $14.8M (vs. $48.2M loss YoY) driven by securities gains.
Balance Sheet Expansion Noted Total assets reached $10.41B, increasing 5.1% since year-end 2024. Total deposits grew 5.7% to $8.30B, supporting asset growth.
Lower Quarterly Provisioning Provision for credit losses fell 23.2% YoY for the quarter to $14.6M. ACL balance increased 11.7% to $94.9M compared to December 31, 2024.
Robust Capital Position Maintained Company CET1 ratio stood at 11.53%, well above the 6.50% well-capitalized minimum. Bank CET1 ratio was 12.04%.
Risk Factors
Rising Non-Performing Assets Total Non-Performing Assets increased 14.5% to $139.9M from year-end 2024. Potential problem loans grew to $119.1M, driven by CRE downgrades.
Interest Rate Sensitivity Exposure A 200 basis point rate decrease models a $33.7M drop in quarterly net interest income. Portfolio duration shortened to 4.4 years.
Mortgage Business Transition Risk Amerant Mortgage FTE count reduced significantly from 77 to 17. Strategic wind-down or sale is expected to complete in the first half of 2026.
High-Cost Funding Reduction Brokered deposits decreased 21.6% to $550.2M as the Company executes its strategy of reducing high-cost funding sources.
Outlook
Monetary Easing Environment Federal Reserve cut rates twice in Q3/Q4 2025, which is expected to favorably impact the cost of funds in future periods.
Core Banking Expansion Focus Company continues focus on Florida footprint expansion, opening new banking centers in West Palm Beach and planning for St. Petersburg.
Credit Quality Monitoring ACL determined using updated macroeconomic factors for stability. Proactive monitoring continues for potential weakness in CRE and commercial loans.
Loan Portfolio Repositioning Complete Investment portfolio repositioning initiated in 2024 is complete, resulting in higher securities balances and improved yields in 2025.
Peer Comparison
Revenue (TTM)
$657.81M
AMTB$653.14M
MCB$510.83M
Gross Margin (Latest Quarter)
AMAL67.8%
60.2%
MCB0.0%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| DCOM | $1.15B | 19.3 | 4.1% | 5.7% |
| AMAL | $824.43M | 8.1 | 14.3% | 1.1% |
| HAFC | $799.54M | 10.9 | 9.6% | 0.0% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
+3.9%
Moderate Growth
4Q Net Income CAGR
+4.0%
Profitability Slowly Improving
Cash Flow Stability
75%
Volatile Cash Flow
Research & Insights
Reports
All Years
Form 10-Q - Q3 2025
Period End: Sep 30, 2025|Filed: Oct 31, 2025|Revenue: $167.95M+64.4%|EPS: $0.35-124.5%MissForm 10-Q - Q2 2025
Period End: Jun 30, 2025|Filed: Aug 1, 2025|Revenue: $169.76M+3.6%|EPS: $0.55+266.7%BeatForm 10-Q - Q1 2025
Period End: Mar 31, 2025|Filed: May 2, 2025|Revenue: $165.57M+4.1%|EPS: $0.28-12.5%MissForm 10-K - FY 2024
Period End: Dec 31, 2024|Filed: Mar 5, 2025|Revenue: $574.93M+4.3%|EPS: $-0.44-145.4%MissForm 10-Q - Q3 2024
Period End: Sep 30, 2024|Filed: Nov 4, 2024|Revenue: $102.15M-31.4%|EPS: $-1.43-316.7%MissForm 10-Q - Q2 2024
Period End: Jun 30, 2024|Filed: Aug 2, 2024|Revenue: $163.80M+8.1%|EPS: $0.15-31.8%MissForm 10-Q - Q1 2024
Period End: Mar 31, 2024|Filed: May 3, 2024|Revenue: $159.11M+22.7%|EPS: $0.32-46.7%MissForm 10-K - FY 2023
Period End: Dec 31, 2023|Filed: Mar 7, 2024|Revenue: $551.02M+42.4%|EPS: $0.97-48.1%Miss