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Amerant Bancorp Inc.

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
220 Alhambra Circle, Coral Gables, FL, 33134, United States
305-460-8728
www.amerantbank.com
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
14%
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)

Dime Community Bancshares, Inc.DCOM
$657.81M
-3.6%
Amerant Bancorp Inc.AMTB
$653.14M
+19.6%
Metropolitan Bank Holding Corp.MCB
$510.83M
+6.5%

Gross Margin (Latest Quarter)

Amalgamated Financial Corp.AMAL
67.8%
-2.2 pp
Northeast BankNBN
60.2%
+3.2 pp
Metropolitan Bank Holding Corp.MCB
0.0%
+0.0 pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
DCOM$1.15B19.34.1%5.7%
AMAL$824.43M8.114.3%1.1%
HAFC$799.54M10.99.6%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%
    Miss
  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 1, 2025|
    Revenue: $169.76M+3.6%
    |
    EPS: $0.55+266.7%
    Beat
  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 2, 2025|
    Revenue: $165.57M+4.1%
    |
    EPS: $0.28-12.5%
    Miss
  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Mar 5, 2025|
    Revenue: $574.93M+4.3%
    |
    EPS: $-0.44-145.4%
    Miss
  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 4, 2024|
    Revenue: $102.15M-31.4%
    |
    EPS: $-1.43-316.7%
    Miss
  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 2, 2024|
    Revenue: $163.80M+8.1%
    |
    EPS: $0.15-31.8%
    Miss
  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 3, 2024|
    Revenue: $159.11M+22.7%
    |
    EPS: $0.32-46.7%
    Miss
  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Mar 7, 2024|
    Revenue: $551.02M+42.4%
    |
    EPS: $0.97-48.1%
    Miss