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
$955.26M
P/E (TTM)
17.8
14.9
Dividend Yield
1.6%
52W High
$23.55
52W Low
$15.62
52W Range
Rank57Top 83.3%
2.4
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 2.4 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025
Financial Dashboard
Q4 2025 Data
Revenue
$153.57M+2.48%
4-Quarter Trend
EPS
$0.07-83.50%
4-Quarter Trend
FCF
$31.27M-100.00%
4-Quarter Trend
2025 Annual Earnings Highlights
Key Highlights
Profitability Reversal Achieved Net income attributable reached $52.4M in 2025, reversing the $15.8M net loss reported in 2024, driven by higher NII and lower provision.
Net Interest Margin Expansion NIM increased 24 basis points to 3.82% in 2025 from 3.58% in 2024, supported by repricing deposits and higher yields on debt securities.
Operational Efficiency Gains Efficiency ratio improved significantly to 75.25% in 2025 from 89.17% in 2024, aided by lower non-interest expenses and strategic restructuring.
Asset Quality Downgrades Noted Total non-performing assets rose 53.0% to $186.9M, reflecting significant downgrades across CRE and commercial loan portfolios during 2025.
Risk Factors
Deteriorating Asset Quality Non-performing assets increased 53.0% to $186.9M, and classified loans more than doubled, signaling increased credit stress in the portfolio.
Interest Rate Sensitivity Exposure Balance sheet duration led to significant potential negative impact on EVE (up to 13.32% drop with 200bps rate hike) in market scenarios.
Core Deposit Growth Challenge Future growth depends on expanding core deposits, as depositors have many choices, risking net deposit outflows and higher funding costs.
Strategic Implementation Risk Success hinges on executing the refreshed 2026-2028 strategy pillars, including transforming credit quality and achieving operational efficiency targets.
Outlook
Credit Transformation Focus Management emphasizes transforming credit quality and managing concentrations, especially CRE loans, which represented 238.8% of risk-based capital.
Mortgage Business Wind-Down Amerant Mortgage wind-down expected to complete in the first half of 2026, reducing FTE count from 77 to 3 by year-end 2025.
Core Deposit Gathering Strategy prioritizes relationship-driven core deposits to reduce reliance on high-cost brokered funds, aiming to improve the loan-to-deposit ratio.
Continued Efficiency Drive Future strategy emphasizes Operational Efficiency and Client Profitability pillars to enhance long-term performance and expected return on investment.
Peer Comparison
Revenue (TTM)
$730.38M
$655.25M
$527.15M
Gross Margin (Latest Quarter)
88.4%
82.0%
81.4%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| DCOM | $1.50B | 13.3 | 7.7% | 2.4% |
| AMAL | $1.18B | 11.3 | 13.7% | 1.1% |
| AMTB | $955.26M | 17.8 | 5.6% | 9.4% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
-2.4%
Flat Growth
4Q Net Income CAGR
-39.1%
Declining Profitability
Cash Flow Stability
100%
Strong Cash Flow
Deep Research
Next earnings:Apr 21, 2026
EPS:-
|Revenue:-
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement | LTM |
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No Data