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AMTBAmerant Bancorp Inc.
$23.60$991M
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AMTB logoAmerant Bancorp Inc.(AMTB)Earnings, Financials & Key Ratios

AMTB•NASDAQ•Banking & Credit
18.7× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutAmerant 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. The company offers checking, savings, and money market accounts; and certificates of deposits. It also provides variable and fixed rate commercial real estate loans; loans secured by owner-occupied properties; loans to domestic and foreign individuals primarily secured by personal residence; working capital loans, asset-based lending, participations in shared national credits, purchased receivables, and small business administration loans; loans to financial institutions and acceptances; and consumer loans and overdrafts, such as automobile, personal, or loans secured by cash or securities and revolving credit card agreements. In addition, the company 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, it 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. As of December 31, 2021, the company operated 24 banking centers comprising 17 in Florida and 7 in Texas. It also operates loan production offices in Tampa, Florida. 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.Show more
  • Net Interest Income$361M+10.7%
  • Total Revenue$655M+14.0%
  • Net Income$52M+432.8%
  • Return on Equity5.73%+395.9%
  • Net Interest Margin3.69%+12.1%
  • Efficiency Ratio47.27%+1.1%
  • ROA0.53%+431.7%
  • Equity / Assets9.6%+6.8%
  • Book Value per Share22.84-8.3%

AMTB Key Insights

Amerant Bancorp Inc. (AMTB) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong Piotroski F-Score: 7/9
  • ✓Strong NIM of 3.7%
  • ✓Efficient operations: 47.3% efficiency ratio
  • ✓Trading near 52-week high
  • ✓Trading at only 1.0x book value

✗Weaknesses

  • ✗Weak 3Y average ROE of 2.8%
  • ✗Shares diluted 15.0% in last year

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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AMTB Price & Volume

Amerant Bancorp Inc. (AMTB) stock price & volume — 10-year historical chart

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AMTB Growth Metrics

Amerant Bancorp Inc. (AMTB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years-
5 Years14.44%
3 Years19.18%
TTM-

Profit CAGR

10 Years-
5 Years-
3 Years-6.1%
TTM506.16%

EPS CAGR

10 Years-
5 Years-
3 Years-12.02%
TTM334.28%

Return on Capital

10 Years2.56%
5 Years2.81%
3 Years1.02%
Last Year2.21%

AMTB Recent Earnings

Amerant Bancorp Inc. (AMTB) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 5/12 qtrs (45%)●Beat Revenue 6/12 qtrs (67%)
Q2 2026Latest
Apr 23, 2026
Metric
Actual
Est
EPS
$0.44+2.3%
$0.43
Rev
$98M-3.1%
$101M
Q1 2026
Jan 28, 2026
Metric
Actual
Est
EPS
$0.50+0.0%
$0.50
Rev
$154M
—
Q1 2026
Jan 22, 2026
Metric
Actual
Est
EPS
$0.53+49.3%
$0.35
Rev
$112M+4.4%
$107M
Q4 2025
Oct 28, 2025
Metric
Actual
Est
EPS
$0.39-26.4%
$0.53
Rev
$109M-1.5%
$110M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 23, 2026
$0.44vs $0.43+2.3%
$98Mvs $101M-3.1%
Q1 2026Jan 28, 2026
$0.50vs $0.50+0.0%
$154M
Q1 2026Jan 22, 2026
$0.53vs $0.35+49.3%
$112Mvs $107M+4.4%
Q4 2025Oct 28, 2025
$0.39vs $0.53-26.4%
$109Mvs $110M-1.5%
Based on last 12 quarters of dataView full earnings history →

AMTB Peer Comparison

Amerant Bancorp Inc. (AMTB) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
OCFC logoOCFCOceanFirst Financial Corp.Direct Competitor1.03B18.0315.41-4.7%10.75%4.26%0.98
BUSE logoBUSEFirst Busey CorporationDirect Competitor2.41B28.2319.2057.56%12.96%5.69%0.20
IBCP logoIBCPIndependent Bank CorporationDirect Competitor706.3M34.3110.49-0.3%22.12%14.2%0.23
SFNC logoSFNCSimmons First National CorporationDirect Competitor3.18B21.90-7.42-56.66%-64.33%-11.48%0.19
INDB logoINDBIndependent Bank Corp.Product Competitor4.01B81.0518.2119.82%17.57%6.21%0.25
CVBF logoCVBFCVB Financial Corp.Product Competitor2.83B20.8113.69-2.33%32.48%9.25%0.43
TRMK logoTRMKTrustmark CorporationProduct Competitor2.63B44.6712.0734.75%19.32%10.77%0.53
BANR logoBANRBanner CorporationProduct Competitor2.2B64.8311.49-0.95%23.84%10.34%0.19

Compare AMTB vs Peers

Amerant Bancorp Inc. (AMTB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs OCFC

Most directly comparable listed peer for AMTB.

Scale Benchmark

vs V

Larger-name benchmark to compare AMTB against a more recognizable public peer.

Peer Set

Compare Top 5

vs OCFC, BUSE, IBCP, SFNC

AMTB Income Statement

Amerant Bancorp Inc. (AMTB) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Net Interest Income
209.71M219.04M213.09M189.55M205.14M266.67M326.46M325.96M360.69M274.78M
NII Growth %
9.26%4.45%-2.72%-11.05%8.22%29.99%22.42%-0.16%10.65%-66.87%
Net Interest Margin %
2.49%2.7%2.67%2.44%2.69%2.92%3.36%3.29%3.69%10.14%
Interest Income
273.32M309.36M312.97M260.55M247.84M338.78M548.58M595.59M597.43M451.02M
Interest Expense
63.61M90.32M99.89M71M42.7M72.11M222.12M269.63M236.74M176.24M
Loan Loss Provision
-3.49M375K-3.15M88.62M-16.5M13.95M61.28M60.46M42.6M24.15M
Non-Interest Income
71.48M52.99M58M73.21M59.91M48.29M2.44M-20.66M57.82M69.56M
Non-Interest Income %
20.73%14.62%15.63%21.94%19.47%12.48%0.44%-3.59%8.82%13.36%
Total Revenue
344.81M▲ 0%
362.35M▲ 5.1%
370.97M▲ 2.4%
333.77M▼ 10.0%
307.75M▼ 7.8%
387.07M▲ 25.8%
551.02M▲ 42.4%
574.92M▲ 4.3%
655.25M▲ 14.0%
520.58M▲ 0%
Revenue Growth %
14.79%5.09%2.38%-10.03%-7.79%25.77%42.36%4.34%13.97%-12.08%
Non-Interest Expense
207.64M214.09M210.2M178.48M137.53M222.43M226.3M268.92M309.76M238.74M
Efficiency Ratio
60.22%59.08%56.66%53.47%44.69%57.47%41.07%46.77%47.27%45.86%
Operating Income
77.05M▲ 0%
57.57M▼ 25.3%
64.03M▲ 11.2%
-4.33M▼ 106.8%
144.02M▲ 3423.0%
78.58M▼ 45.4%
41.33M▼ 47.4%
-24.08M▼ 158.3%
66.14M▲ 374.6%
50.71M▲ 0%
Operating Margin %
22.35%15.89%17.26%-1.3%46.8%20.3%7.5%-4.19%10.09%9.74%
Operating Income Growth %
128.02%-25.29%11.23%-106.77%3423.03%-45.44%-47.41%-158.28%374.63%-
Pretax Income
77.05M▲ 0%
57.57M▼ 25.3%
64.03M▲ 11.2%
-4.33M▼ 106.8%
144.02M▲ 3423.0%
78.58M▼ 45.4%
41.33M▼ 47.4%
-24.08M▼ 158.3%
66.14M▲ 374.6%
68.58M▲ 0%
Pretax Margin %
22.35%15.89%17.26%-1.3%46.8%20.3%7.5%-4.19%10.09%13.17%
Income Tax
33.99M11.73M12.7M-2.61M33.71M16.62M10.54M-8.33M13.72M10.25M
Effective Tax Rate %
44.12%20.38%19.83%60.27%23.41%21.15%25.5%34.6%20.75%14.95%
Net Income
43.06M▲ 0%
45.83M▲ 6.4%
51.33M▲ 12.0%
-1.72M▼ 103.4%
112.92M▲ 6657.5%
63.31M▼ 43.9%
32.49M▼ 48.7%
-15.75M▼ 148.5%
52.42M▲ 432.8%
58.33M▲ 0%
Net Margin %
12.49%12.65%13.84%-0.52%36.69%16.36%5.9%-2.74%8%11.21%
Net Income Growth %
82.61%6.45%12%-103.35%6657.55%-43.93%-48.68%-148.48%432.76%506.16%
Net Income (Continuing)
43.06M45.83M51.33M-1.72M110.31M61.96M30.79M-15.75M52.42M58.33M
EPS (Diluted)
1.23▲ 0%
1.08▼ 12.2%
1.20▲ 11.1%
-0.04▼ 103.4%
3.01▲ 7388.1%
1.85▼ 38.5%
0.96▼ 48.1%
-0.44▼ 145.8%
1.26▲ 386.4%
1.44▲ 0%
EPS Growth %
80.88%-12.2%11.11%-103.44%7388.14%-38.54%-48.11%-145.83%386.36%334.28%
EPS (Basic)
1.231.081.21-0.043.041.870.97-0.441.26-
Diluted Shares Outstanding
34.92M42.49M42.94M41.74M37.53M34.14M33.67M35.76M41.1M40.51M

AMTB Balance Sheet

Amerant Bancorp Inc. (AMTB) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash & Short Term Investments
1.84B1.67B1.69B1.44B1.45B1.31B1.51B2B2.5B6.31B
Cash & Due from Banks
153.44M85.71M121.32M214.39M274.21M248.44M296.02M565.99M470.15M188.71M
Short Term Investments
1.69B1.59B1.57B1.23B1.18B1.06B1.22B1.44B2.02B2.37B
Total Investments
7.78B7.53B7.36B7.04B6.79B8.15B8.62B8.63B8.65B2.37B
Investments Growth %
-0.38%-3.18%-2.27%-4.34%-3.52%19.96%5.75%0.12%0.22%-70.8%
Long-Term Investments
6.09B5.94B5.79B5.81B5.62B7.09B7.4B7.19B6.62B24.48B
Accounts Receivables
73.08M73.65M66.89M93.77M92.5M156.01M0000
Goodwill & Intangibles
19.19M19.19M19.51M19.51M19.51M19.51M19.19M19.19M19.19M0
Goodwill
19.19M19.19M19.51M19.51M19.51M19.51M19.19M19.19M19.19M0
Intangible Assets
0000000000
PP&E (Net)
129.36M123.5M128.82M109.99M179M181.76M162.09M131.84M110.59M108.98M
Other Assets
270.25M276.33M284.79M282.56M270.5M326.15M567.3M505.16M496.13M0
Total Current Assets
1.91B1.75B1.76B1.53B1.54B1.46B1.51B2B2.5B2.56B
Total Non-Current Assets
6.52B6.38B6.23B6.24B6.1B7.67B8.2B7.9B7.28B151.51M
Total Assets
8.44B▲ 0%
8.12B▼ 3.7%
7.99B▼ 1.7%
7.77B▼ 2.7%
7.64B▼ 1.7%
9.13B▲ 19.5%
9.72B▲ 6.4%
9.9B▲ 1.9%
9.78B▼ 1.3%
2.71B▲ 0%
Asset Growth %
0.03%-3.7%-1.71%-2.69%-1.7%19.5%6.45%1.91%-1.26%-68.03%
Return on Assets (ROA)
0.51%0.55%0.64%-0.02%1.47%0.76%0.34%-0.16%0.53%0.7%
Accounts Payable
69.23M000000000
Total Debt
1.29B1.28B1.33B1.17B1.07B1.2B921.33M1B1.04B0
Net Debt
1.14B1.2B1.21B958.37M795.04M950.86M625.3M438.72M570.71M-188.71M
Long-Term Debt
1.29B1.28B1.33B1.17B932.65M1.06B798.16M838.8M923.41M0
Short-Term Debt
000000059.84M00
Other Liabilities
060.13M66.31M83.07M106.41M178.57M164.07M151.96M2.01B0
Total Current Liabilities
6.39B6.03B5.76B5.73B5.63B7.04B7.89B7.91B5.79B0
Total Non-Current Liabilities
1.29B1.34B1.39B1.26B1.18B1.38B1.09B1.1B3.05B0
Total Liabilities
7.68B7.38B7.15B6.99B6.81B8.42B8.98B9.01B8.84B8.99B
Total Equity
753.45M▲ 0%
747.42M▼ 0.8%
834.7M▲ 11.7%
783.42M▼ 6.1%
831.87M▲ 6.2%
705.73M▼ 15.2%
736.07M▲ 4.3%
890.47M▲ 21.0%
938.8M▲ 5.4%
913.92M▲ 0%
Equity Growth %
6.91%-0.8%11.68%-6.14%6.18%-15.16%4.3%20.98%5.43%36.8%
Equity / Assets (Capital Ratio)
8.93%9.2%10.45%10.08%10.89%7.73%7.58%8.99%9.6%33.72%
Return on Equity (ROE)
5.91%6.11%6.49%-0.21%13.98%8.23%4.51%-1.94%5.73%6.27%
Book Value per Share
21.5817.5919.4418.7722.1720.6721.8624.9022.8422.56
Tangible BV per Share
21.0317.1418.9818.3021.6520.1021.2924.3722.3722.56
Common Stock
4.25M4.46M4.67M3.79M3.59M3.38M3.36M4.21M4.06M3.98M
Additional Paid-in Capital
367.5M385.37M419.05M305.57M262.51M194.69M192.7M343.83M316.07M0
Retained Earnings
387.83M393.66M444.12M442.4M553.17M590.38M610.8M582.23M619.55M633.72M
Accumulated OCI
-6.13M-18.16M13.23M31.66M15.22M-80.64M-70.8M-39.81M-875K-21.28M
Treasury Stock
0-17.91M-46.37M0000000
Preferred Stock
0000000000

AMTB Cash Flow Statement

Amerant Bancorp Inc. (AMTB) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash from Operations
73.28M62.16M78.39M57.25M67.43M-49.16M26.72M82.19M100.5M116.77M
Operating CF Growth %
-2.64%-15.18%26.11%-26.97%17.79%-172.9%154.36%207.6%22.27%2845.59%
Net Income
43.06M45.83M51.33M-1.72M110.31M61.96M30.79M-15.75M51.62M58.33M
Depreciation & Amortization
9.04M8.54M7.09M9.38M7.27M5.88M6.84M6.6M4.63M3.04M
Deferred Taxes
14.68M1.27M525K-11.51M6M5M-5.51M165K-1.1M1.87M
Other Non-Cash Items
-910K11.59M925K72.61M-91.46M-133.52M18.13M85.97M62.24M59.57M
Working Capital Changes
7.41M-5.25M12.15M-13.81M30.52M5.73M-30.3M168K-20.45M9.85M
Cash from Investing
7.57M206.51M205.84M286.34M385.32M-1.4B-606.62M-576.66M-501.1M175.3M
Purchase of Investments
-321.87M-216.24M-445.89M-399.23M-526.27M-419.35M-266.59M-735.61M-913.03M-624.68M
Sale/Maturity of Investments
655.62M284.36M508.46M797.04M509.6M262M130.08M703.7M153.41M113.52M
Net Investment Activity
333.75M68.12M62.56M397.81M-16.67M-157.35M-136.52M-31.91M-759.62M-511.16M
Acquisitions
07.5M-14.39M0-1.04M0-1.97M-73.91M00
Other Investing
-317.58M140.93M171.93M-105.9M409.6M-1.23B-457.2M-463.44M261.05M686.78M
Cash from Financing
-62.39M-336.4M-248.62M-250.52M-392.93M1.46B611.17M762.96M441.1M-470.28M
Dividends Paid
0-40M000-12.23M-12.06M-12.82M-11.4M-11.21M
Share Repurchases
0-17.91M-30.16M-70.3M-48.04M-72.06M-4.93M-7.56M-20M-28M
Stock Issued
017.91M29.22M0000155.75M00
Net Stock Activity
00-942K-70.3M-48.04M-72.06M-4.93M148.19M-20M-28M
Debt Issuance (Net)
1000K-1000K1000K-1000K-1000K1000K-1000K1000K1000K-1000K
Other Financing
-304.39M-290.29M-289.93M-25.5M-100.77M1.41B850.14M525.97M445.89M-367.69M
Net Change in Cash
18.46M▲ 0%
-67.73M▼ 467.0%
35.61M▲ 152.6%
93.06M▲ 161.3%
59.82M▼ 35.7%
16.39M▼ 72.6%
31.27M▲ 90.8%
268.49M▲ 758.6%
40.5M▼ 84.9%
-178.21M▲ 0%
Exchange Rate Effect
0000000000
Cash at Beginning
134.99M153.44M85.71M121.32M214.39M274.21M290.6M321.87M590.36M0
Cash at End
153.44M85.71M121.32M214.39M274.21M290.6M321.87M590.36M630.86M0
Interest Paid
61.59M89.28M99.96M73.35M46.33M67.3M211.77M272.31M184.26M176.75M
Income Taxes Paid
18.88M18.95M7.54M10.58M14.54M27.54M24.97M4.86M6.08M9.09M
Free Cash Flow
64.68M▲ 0%
52.12M▼ 19.4%
64.13M▲ 23.1%
51.67M▼ 19.4%
60.85M▲ 17.8%
-59.79M▼ 198.2%
15.79M▲ 126.4%
74.79M▲ 373.7%
97.96M▲ 31.0%
111.24M▲ 0%
FCF Growth %
-3.08%-19.42%23.05%-19.42%17.77%-198.25%126.41%373.73%30.98%18.99%

AMTB Banking Ratios

Amerant Bancorp Inc. (AMTB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201720182019202020212022202320242025TTM
Return on Equity (ROE)
5.91%6.11%6.49%-0.21%13.98%8.23%4.51%-1.94%5.73%6.27%
Return on Assets (ROA)
0.51%0.55%0.64%-0.02%1.47%0.76%0.34%-0.16%0.53%0.7%
Net Interest Margin
2.49%2.7%2.67%2.44%2.69%2.92%3.36%3.29%3.69%10.14%
Efficiency Ratio
60.22%59.08%56.66%53.47%44.69%57.47%41.07%46.77%47.27%45.86%
Equity / Assets
8.93%9.2%10.45%10.08%10.89%7.73%7.58%8.99%9.6%33.72%
Book Value / Share
21.5817.5919.4418.7722.1720.6721.8624.922.8422.56
NII Growth
9.26%4.45%-2.72%-11.05%8.22%29.99%22.42%-0.16%10.65%-17.7%
Dividend Payout
-87.27%---19.32%37.13%-21.76%19.22%
Related:AMTB Dividend History·AMTB Revenue History·AMTB Price History·AMTB P/E History·AMTB Financial Ratios·AMTB Institutional Holders

AMTB SEC Filings & Documents

Amerant Bancorp Inc. (AMTB) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 23, 2026·SEC

Material company update

Apr 10, 2026·SEC

Material company update

Feb 11, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 27, 2026·SEC

FY 2025

Mar 5, 2025·SEC

FY 2024

Mar 7, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Oct 31, 2025·SEC

FY 2025

Aug 1, 2025·SEC

FY 2025

May 2, 2025·SEC

AMTB Frequently Asked Questions

Amerant Bancorp Inc. (AMTB) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Amerant Bancorp Inc. (AMTB) grew revenue by 14.0% over the past year. This is steady growth.

Yes, Amerant Bancorp Inc. (AMTB) is profitable, generating $58.3M in net income for fiscal year 2025 (8.0% net margin).

Dividend & Returns

Yes, Amerant Bancorp Inc. (AMTB) pays a dividend with a yield of 1.18%. This makes it attractive for income-focused investors.

Amerant Bancorp Inc. (AMTB) has a return on equity (ROE) of 5.7%. This is below average, suggesting room for improvement.

Industry Metrics

Amerant Bancorp Inc. (AMTB) has a net interest margin (NIM) of 3.7%. This indicates healthy earnings from lending activities.

Amerant Bancorp Inc. (AMTB) has an efficiency ratio of 47.3%. This is excellent, indicating strong cost control.

What if you invested $1,000 in AMTB back in 2016?

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How much would $100/month in AMTB be worth today?

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