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Amerant Bancorp Inc.

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
$941.00M
PER (TTM)
17.5
14.8
配当利回り
1.6%
52週高値
$24.30
52週安値
$15.62
52週レンジ
78%
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

$0.00-100.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

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%.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

Dime Community Bancshares, Inc.DCOM
$730.38M
+13.0%
Amerant Bancorp Inc.AMTB
$655.25M
+14.0%
Metropolitan Bank Holding Corp.MCB
$527.15M
+7.1%

粗利益率 (最新四半期)

Capital City Bank Group, Inc.CCBG
88.4%
+2.5pp
Central Pacific Financial Corp.CPF
82.0%
+10.7pp
HBT Financial, Inc.HBT
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$1.54B13.67.7%2.4%
AMAL$1.21B11.513.7%1.1%
NBN$961.07M11.517.3%10.9%

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
75%
キャッシュフローの変動が大きい

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:-
財務レポート
財務データ
全年度
  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年10月31日|
    売上高: $167.10M+63.6%
    |
    EPS: $0.35-124.5%
    予想を下回る
  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月1日|
    売上高: $169.16M+3.3%
    |
    EPS: $0.55+266.7%
    予想を上回る
  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月2日|
    売上高: $165.41M+4.0%
    |
    EPS: $0.28-12.5%
    予想を下回る
  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年3月5日|
    売上高: $574.93M+4.3%
    |
    EPS: $-0.44-145.4%
    予想を下回る
  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月4日|
    売上高: $102.15M-31.4%
    |
    EPS: $-1.43-316.7%
    予想を下回る
  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月2日|
    売上高: $163.80M+8.1%
    |
    EPS: $0.15-31.8%
    予想を下回る
  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月3日|
    売上高: $159.11M+22.7%
    |
    EPS: $0.32-46.7%
    予想を下回る
  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年3月7日|
    売上高: $551.02M+42.4%
    |
    EPS: $0.97-48.1%
    予想を上回る