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AMTB

Amerant Bancorp Inc.

AMTB

Amerant Bancorp Inc. • NASDAQ
$18.81 ▼ -0.21% (-0.04)
Market Cap $787.73 M
52w High $25.85
52w Low $15.62
Dividend Yield 0.36%
P/E 10.94
Volume 125.33K
Outstanding Shares 41.88M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $167.319M ▼ $75.12M ▲ $14.756M ▼ 8.819% ▼ $0.35 ▼ $20.495M ▼
Q2-2025 $169.76M ▲ $73.287M ▲ $23.002M ▲ 13.55% ▲ $0.55 ▲ $31.348M ▲
Q1-2025 $165.573M ▲ $71.194M ▲ $11.958M ▼ 7.222% ▼ $0.28 ▼ $17.017M ▼
Q4-2024 $149.862M ▲ $56.646M ▼ $16.881M ▲ 11.264% ▲ $0.4 ▲ $19.757M ▲
Q3-2024 $102.152M $74.406M $-48.164M -47.149% $-1.43 $-60.155M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $625.957M ▼ $10.41B ▲ $9.465B ▲ $944.94M ▲
Q2-2025 $630.833M ▼ $10.335B ▲ $9.41B ▲ $924.286M ▲
Q1-2025 $637.118M ▼ $10.17B ▲ $9.263B ▲ $906.263M ▲
Q4-2024 $2.003B ▲ $9.902B ▼ $9.011B ▼ $890.467M ▼
Q3-2024 $672.118M $10.353B $9.45B $902.888M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $14.756M ▼ $22.698M ▼ $-75.945M ▲ $47.268M ▼ $-5.979M ▲ $23.715M ▼
Q2-2025 $23.002M ▲ $57.59M ▲ $-202.05M ▲ $132.93M ▼ $-11.53M ▼ $56.25M ▲
Q1-2025 $11.958M ▼ $20.21M ▼ $-223.101M ▲ $260.899M ▲ $58.008M ▲ $17.999M ▼
Q4-2024 $16.881M ▲ $77.54M ▲ $-298.335M ▼ $139.313M ▼ $-81.482M ▼ $76.748M ▲
Q3-2024 $-48.164M $4.207M $-237.169M $594.484M $361.522M $2.593M

Five-Year Company Overview

Income Statement

Income Statement Amerant’s revenue has generally trended upward over the past five years, but profitability has been uneven. After a strong rebound in 2021 and 2022, earnings softened in 2023 and slipped into a small loss in 2024. That pattern suggests rising costs, margin pressure from interest rates, or higher credit costs are weighing on results, even though the bank is still growing its top line. Overall, the business is bringing in more income than a few years ago, but it is currently giving some of that progress back in the form of weaker margins and volatile earnings per share.

Balance Sheet

Balance Sheet The balance sheet looks relatively solid for a regional bank. Total assets have grown meaningfully over the period, and cash levels have improved in the most recent year, which provides a liquidity cushion. Debt has fluctuated but does not appear out of line with asset growth, and equity has been building over time, which supports capital strength. The picture is of a bank that is larger and somewhat better capitalized than a few years ago, though still exposed to the usual regional banking risks in its loan book and funding base.

Cash Flow

Cash Flow Amerant’s cash generation has been generally positive, with operating cash flow and free cash flow mostly in the black over the last five years, aside from a weak patch in the middle of the period. Capital spending has been modest and fairly steady, indicating disciplined investment rather than heavy, risky expansion. The overall pattern is one of a bank that usually converts its earnings into cash, with occasional variability typical of a lender navigating changing interest-rate and credit cycles.

Competitive Edge

Competitive Edge Amerant positions itself as a Florida-focused, tech-enabled community bank. Its strength lies in combining local relationships and personalized service with a modern digital experience, supported by numerous fintech partnerships for onboarding, business lending, and wealth management. Concentrating on high-growth Florida markets gives it local knowledge and brand recognition, but also ties its fortunes closely to that regional economy and competitive dynamics with larger national banks and other community lenders. The mix of “high-tech, high-touch” is a clear differentiator, but it must keep executing well to maintain that edge.

Innovation and R&D

Innovation and R&D While it does not have traditional R&D in the way a tech company would, Amerant has been actively investing in innovation through partnerships and platform upgrades. It has modernized digital banking, automated onboarding and small-business lending, and expanded into robo-advisory and alternative investments through specialist partners. Outsourcing some back-office technology to a larger provider aims to cut costs and improve reliability. Looking ahead, further use of data, potential AI tools, and sustainable finance offerings are key watch areas, as successful delivery there could deepen its moat without requiring massive in-house development budgets.

Summary

Amerant has grown its business and strengthened its balance sheet over the last several years, but recent profitability has weakened, culminating in a small loss despite rising revenue. Cash flow remains generally supportive, and capital and liquidity appear reasonable for a regional bank. Strategically, the bank is leaning into a focused Florida footprint and a technology-powered service model, using partnerships rather than building everything itself. The main opportunities are in digital banking, wealth management, and regional growth, while key risks include earnings volatility, interest-rate and credit pressures, and concentration in a single, competitive regional market.

NEWS

November 6, 2025 · 6:00 AM UTC

Amerant Bancorp Announces Executive Transition

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October 28, 2025 · 6:00 AM UTC

Amerant Reports Third Quarter 2025 Results

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October 23, 2025 · 12:20 PM UTC

AMERANT APPOINTS ANGEL MEDINA JR. AS EVP MANAGING EXECUTIVE DIRECTOR OF MIAMI-DADE

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October 22, 2025 · 2:45 PM UTC

Amerant Bancorp Inc. Reschedules Third Quarter 2025 Financial Results and Declares Dividend

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October 16, 2025 · 9:00 AM UTC

AMERANT BANK OPENS NEW DOWNTOWN TAMPA BANKING CENTER, EXPANDING REGIONAL FOOTPRINT

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