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Amerant Bancorp Inc. (AMTB) fundamental analysis — strengths, weaknesses & financial health based on data analysis
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Amerant Bancorp Inc. (AMTB) stock price & volume — 10-year historical chart
Amerant Bancorp Inc. (AMTB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Amerant Bancorp Inc. (AMTB) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.44vs $0.43+2.3% | $98Mvs $101M-3.1% |
| Q1 2026 | Jan 28, 2026 | $0.50vs $0.50+0.0% | $154M |
| Q1 2026 | Jan 22, 2026 | $0.53vs $0.35+49.3% | $112Mvs $107M+4.4% |
| Q4 2025 | Oct 28, 2025 | $0.39vs $0.53-26.4% | $109Mvs $110M-1.5% |
Amerant Bancorp Inc. (AMTB) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison
Amerant Bancorp Inc. (AMTB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Amerant Bancorp Inc. (AMTB) annual income statement — 10-year revenue, gross profit & net income history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 209.71M | 219.04M | 213.09M | 189.55M | 205.14M | 266.67M | 326.46M | 325.96M | 360.69M | 274.78M |
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 | 273.32M | 309.36M | 312.97M | 260.55M | 247.84M | 338.78M | 548.58M | 595.59M | 597.43M | 451.02M |
Interest Expense | 63.61M | 90.32M | 99.89M | 71M | 42.7M | 72.11M | 222.12M | 269.63M | 236.74M | 176.24M |
Loan Loss Provision | -3.49M | 375K | -3.15M | 88.62M | -16.5M | 13.95M | 61.28M | 60.46M | 42.6M | 24.15M |
Non-Interest Income | 71.48M | 52.99M | 58M | 73.21M | 59.91M | 48.29M | 2.44M | -20.66M | 57.82M | 69.56M |
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 | 207.64M | 214.09M | 210.2M | 178.48M | 137.53M | 222.43M | 226.3M | 268.92M | 309.76M | 238.74M |
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 | 33.99M | 11.73M | 12.7M | -2.61M | 33.71M | 16.62M | 10.54M | -8.33M | 13.72M | 10.25M |
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) | 43.06M | 45.83M | 51.33M | -1.72M | 110.31M | 61.96M | 30.79M | -15.75M | 52.42M | 58.33M |
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) | 1.23 | 1.08 | 1.21 | -0.04 | 3.04 | 1.87 | 0.97 | -0.44 | 1.26 | - |
Diluted Shares Outstanding | 34.92M | 42.49M | 42.94M | 41.74M | 37.53M | 34.14M | 33.67M | 35.76M | 41.1M | 40.51M |
Amerant Bancorp Inc. (AMTB) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 1.84B | 1.67B | 1.69B | 1.44B | 1.45B | 1.31B | 1.51B | 2B | 2.5B | 6.31B |
Cash & Due from Banks | 153.44M | 85.71M | 121.32M | 214.39M | 274.21M | 248.44M | 296.02M | 565.99M | 470.15M | 188.71M |
Short Term Investments | 1.69B | 1.59B | 1.57B | 1.23B | 1.18B | 1.06B | 1.22B | 1.44B | 2.02B | 2.37B |
Total Investments | 7.78B | 7.53B | 7.36B | 7.04B | 6.79B | 8.15B | 8.62B | 8.63B | 8.65B | 2.37B |
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 | 6.09B | 5.94B | 5.79B | 5.81B | 5.62B | 7.09B | 7.4B | 7.19B | 6.62B | 24.48B |
Accounts Receivables | 73.08M | 73.65M | 66.89M | 93.77M | 92.5M | 156.01M | 0 | 0 | 0 | 0 |
Goodwill & Intangibles | 19.19M | 19.19M | 19.51M | 19.51M | 19.51M | 19.51M | 19.19M | 19.19M | 19.19M | 0 |
Goodwill | 19.19M | 19.19M | 19.51M | 19.51M | 19.51M | 19.51M | 19.19M | 19.19M | 19.19M | 0 |
Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
PP&E (Net) | 129.36M | 123.5M | 128.82M | 109.99M | 179M | 181.76M | 162.09M | 131.84M | 110.59M | 108.98M |
Other Assets | 270.25M | 276.33M | 284.79M | 282.56M | 270.5M | 326.15M | 567.3M | 505.16M | 496.13M | 0 |
Total Current Assets | 1.91B | 1.75B | 1.76B | 1.53B | 1.54B | 1.46B | 1.51B | 2B | 2.5B | 2.56B |
Total Non-Current Assets | 6.52B | 6.38B | 6.23B | 6.24B | 6.1B | 7.67B | 8.2B | 7.9B | 7.28B | 151.51M |
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 | 69.23M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total Debt | 1.29B | 1.28B | 1.33B | 1.17B | 1.07B | 1.2B | 921.33M | 1B | 1.04B | 0 |
Net Debt | 1.14B | 1.2B | 1.21B | 958.37M | 795.04M | 950.86M | 625.3M | 438.72M | 570.71M | -188.71M |
Long-Term Debt | 1.29B | 1.28B | 1.33B | 1.17B | 932.65M | 1.06B | 798.16M | 838.8M | 923.41M | 0 |
Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 59.84M | 0 | 0 |
Other Liabilities | 0 | 60.13M | 66.31M | 83.07M | 106.41M | 178.57M | 164.07M | 151.96M | 2.01B | 0 |
Total Current Liabilities | 6.39B | 6.03B | 5.76B | 5.73B | 5.63B | 7.04B | 7.89B | 7.91B | 5.79B | 0 |
Total Non-Current Liabilities | 1.29B | 1.34B | 1.39B | 1.26B | 1.18B | 1.38B | 1.09B | 1.1B | 3.05B | 0 |
Total Liabilities | 7.68B | 7.38B | 7.15B | 6.99B | 6.81B | 8.42B | 8.98B | 9.01B | 8.84B | 8.99B |
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 | 21.58 | 17.59 | 19.44 | 18.77 | 22.17 | 20.67 | 21.86 | 24.90 | 22.84 | 22.56 |
Tangible BV per Share | 21.03 | 17.14 | 18.98 | 18.30 | 21.65 | 20.10 | 21.29 | 24.37 | 22.37 | 22.56 |
Common Stock | 4.25M | 4.46M | 4.67M | 3.79M | 3.59M | 3.38M | 3.36M | 4.21M | 4.06M | 3.98M |
Additional Paid-in Capital | 367.5M | 385.37M | 419.05M | 305.57M | 262.51M | 194.69M | 192.7M | 343.83M | 316.07M | 0 |
Retained Earnings | 387.83M | 393.66M | 444.12M | 442.4M | 553.17M | 590.38M | 610.8M | 582.23M | 619.55M | 633.72M |
Accumulated OCI | -6.13M | -18.16M | 13.23M | 31.66M | 15.22M | -80.64M | -70.8M | -39.81M | -875K | -21.28M |
Treasury Stock | 0 | -17.91M | -46.37M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Amerant Bancorp Inc. (AMTB) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 73.28M | 62.16M | 78.39M | 57.25M | 67.43M | -49.16M | 26.72M | 82.19M | 100.5M | 116.77M |
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 | 43.06M | 45.83M | 51.33M | -1.72M | 110.31M | 61.96M | 30.79M | -15.75M | 51.62M | 58.33M |
Depreciation & Amortization | 9.04M | 8.54M | 7.09M | 9.38M | 7.27M | 5.88M | 6.84M | 6.6M | 4.63M | 3.04M |
Deferred Taxes | 14.68M | 1.27M | 525K | -11.51M | 6M | 5M | -5.51M | 165K | -1.1M | 1.87M |
Other Non-Cash Items | -910K | 11.59M | 925K | 72.61M | -91.46M | -133.52M | 18.13M | 85.97M | 62.24M | 59.57M |
Working Capital Changes | 7.41M | -5.25M | 12.15M | -13.81M | 30.52M | 5.73M | -30.3M | 168K | -20.45M | 9.85M |
Cash from Investing | 7.57M | 206.51M | 205.84M | 286.34M | 385.32M | -1.4B | -606.62M | -576.66M | -501.1M | 175.3M |
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 | 655.62M | 284.36M | 508.46M | 797.04M | 509.6M | 262M | 130.08M | 703.7M | 153.41M | 113.52M |
Net Investment Activity | 333.75M | 68.12M | 62.56M | 397.81M | -16.67M | -157.35M | -136.52M | -31.91M | -759.62M | -511.16M |
Acquisitions | 0 | 7.5M | -14.39M | 0 | -1.04M | 0 | -1.97M | -73.91M | 0 | 0 |
Other Investing | -317.58M | 140.93M | 171.93M | -105.9M | 409.6M | -1.23B | -457.2M | -463.44M | 261.05M | 686.78M |
Cash from Financing | -62.39M | -336.4M | -248.62M | -250.52M | -392.93M | 1.46B | 611.17M | 762.96M | 441.1M | -470.28M |
Dividends Paid | 0 | -40M | 0 | 0 | 0 | -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 | 0 | 17.91M | 29.22M | 0 | 0 | 0 | 0 | 155.75M | 0 | 0 |
Net Stock Activity | 0 | 0 | -942K | -70.3M | -48.04M | -72.06M | -4.93M | 148.19M | -20M | -28M |
Debt Issuance (Net) | 1000K | -1000K | 1000K | -1000K | -1000K | 1000K | -1000K | 1000K | 1000K | -1000K |
Other Financing | -304.39M | -290.29M | -289.93M | -25.5M | -100.77M | 1.41B | 850.14M | 525.97M | 445.89M | -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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 134.99M | 153.44M | 85.71M | 121.32M | 214.39M | 274.21M | 290.6M | 321.87M | 590.36M | 0 |
Cash at End | 153.44M | 85.71M | 121.32M | 214.39M | 274.21M | 290.6M | 321.87M | 590.36M | 630.86M | 0 |
Interest Paid | 61.59M | 89.28M | 99.96M | 73.35M | 46.33M | 67.3M | 211.77M | 272.31M | 184.26M | 176.75M |
Income Taxes Paid | 18.88M | 18.95M | 7.54M | 10.58M | 14.54M | 27.54M | 24.97M | 4.86M | 6.08M | 9.09M |
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% |
Amerant Bancorp Inc. (AMTB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
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 | 21.58 | 17.59 | 19.44 | 18.77 | 22.17 | 20.67 | 21.86 | 24.9 | 22.84 | 22.56 |
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% |
Amerant Bancorp Inc. (AMTB) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 23, 2026·SEC
Apr 10, 2026·SEC
Feb 11, 2026·SEC
Amerant Bancorp Inc. (AMTB) stock FAQ — growth, dividends, profitability & financials explained
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).
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.
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.