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Amerant Bancorp Inc.

NASDAQ•AMTB
CEO: Mr. Gerald Paul Plush C.M.A., CPA
セクター: Financial Services
業種: Banks - Regional
上場日: 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.
連絡先情報
220 Alhambra Circle, Coral Gables, FL, 33134, United States
305-460-8728
www.amerantbank.com
時価総額
$877.23M
PER (TTM)
16.3
14.4
配当利回り
1.7%
52週高値
$23.55
52週安値
$15.62
52週レンジ
67%
順位57Top 83.3%
2.4
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
弱い • 2.4 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$153.57M+2.48%
直近4四半期の推移

EPS

$0.07-83.50%
直近4四半期の推移

フリーCF

$31.27M-100.00%
直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

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.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

DCOM stock ticker logoDCOM
$730.38M
+13.0%
AMTB stock ticker logoAMTB
$655.25M
+14.0%
MCB stock ticker logoMCB
$527.15M
+7.1%

粗利益率 (最新四半期)

CCBG stock ticker logoCCBG
88.4%
+2.5pp
CPF stock ticker logoCPF
82.0%
+10.7pp
HBT stock ticker logoHBT
81.4%
+3.2pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
DCOM$1.40B12.47.7%2.4%
AMAL$1.14B10.913.7%1.1%
EQBK$917.35M36.63.4%7.0%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
-2.4%
横ばい
4四半期純利益CAGR
-39.1%
収益性の低下
キャッシュフロー安定性
100%
優れたキャッシュフローの実績

深度リサーチ

次回決算:2026年4月21日
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EPS:-
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売上高:-
財務データ
決算説明会
財務レポート
ニュース
損益計算書
バランスシート
キャッシュフロー計算書
財務比率
変化率
損益計算書
直近12ヶ月
データなし