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Amerant Bancorp (AMTBB) Financials

Annual Income Statements for Amerant Bancorp

This table shows Amerant Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Income / (Loss) Attributable to Common Shareholders	24	43	46	51	-1.72	113	63	32	-16
Consolidated Net Income / (Loss)	24	43	46	51	-1.72	110	62	31	-16
Net Income / (Loss) Continuing Operations	24	43	46	51	-1.72	110	62	31	-16
Total Pre-Tax Income	34	77	58	64	-4.33	144	79	41	-24
Total Revenue	254	281	273	270	263	326	334	414	336
Net Interest Income / (Expense)	192	210	219	213	190	205	267	326	326
Total Interest Income	239	273	309	313	261	248	339	549	596
Loans and Leases Interest Income	189	224	258	263	221	216	293	475	505
Investment Securities Interest Income	49	48	49	47	39	32	41	55	67
Deposits and Money Market Investments Interest Income	0.81	1.64	2.54	2.75	0.63	0.25	4.15	18	23
Total Interest Expense	47	64	90	100	71	43	72	222	270
Deposits Interest Expense	26	36	56	68	53	28	49	184	231
Long-Term Debt Interest Expense	18	26	35	32	18	15	23	38	39
Federal Funds Purchased and Securities Sold Interest Expense	3.26	1.88	0.01	0.01	0.00	0.00	0.00	0.01	0.00
Total Non-Interest Income	62	71	54	57	73	121	67	87	9.91
Other Service Charges	36	47	31	30	21	29	26	32	38
Net Realized & Unrealized Capital Gains on Investments	1.75	-1.60	-0.12	6.87	30	68	18	34	-56
Investment Banking Income	20	21	17	15	17	19	18	17	18
Other Non-Interest Income	4.42	5.46	5.82	5.71	5.70	5.46	5.41	5.17	9.28
Provision for Credit Losses	22	-3.49	0.38	-3.15	89	-17	14	61	60
Total Non-Interest Expense	198	208	215	209	179	198	241	311	299
Salaries and Employee Benefits	130	132	142	137	111	118	124	134	137
Net Occupancy & Equipment Expense	27	27	29	29	31	35	42	43	39
Marketing Expense	-	-	-	-	1.60	3.38	12	13	14
Property & Liability Insurance Claims	7.13	7.62	6.22	4.04	6.14	6.42	6.60	11	12
Other Operating Expenses	26	32	29	32	20	28	52	104	90
Depreciation Expense	9.10	9.04	8.54	7.09	9.39	7.27	5.88	6.84	6.60
Income Tax Expense	10	34	12	13	-2.61	34	17	11	-8.33
Net Income / (Loss) Attributable to Noncontrolling Interest	-	-	-	0.00	0.00	-2.61	-1.35	-1.70	0.00
Basic Earnings per Share	$0.55	$1.01	$1.08	$1.21	($0.04)	$3.04	$1.87	$0.97	($0.44)
Weighted Average Basic Shares Outstanding	-	-	43.20M	42.21M	38.03M	34.63M	33.83M	33.60M	41.92M
Diluted Earnings per Share	$0.55	$1.01	$1.08	$1.20	($0.04)	$3.01	$1.85	$0.96	($0.44)
Weighted Average Diluted Shares Outstanding	-	-	43.20M	42.21M	38.03M	34.63M	33.83M	33.60M	41.92M
Weighted Average Basic & Diluted Shares Outstanding	-	-	43.20M	42.21M	38.03M	34.63M	33.83M	33.60M	41.92M
Cash Dividends to Common per Share	-	-	-	-	-	-	$0.36	$0.36	$0.36

This table shows Amerant Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025
Period end date	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025
Net Income / (Loss) Attributable to Common Shareholders	22	20	7.31	22	-17	11	4.96	-48	17	12	23
Consolidated Net Income / (Loss)	22	20	7.05	22	-18	11	4.96	-48	17	12	23
Net Income / (Loss) Continuing Operations	22	20	7.05	22	-18	11	4.96	-48	17	12	23
Total Pre-Tax Income	27	25	8.92	28	-21	13	6.32	-62	18	15	30
Total Revenue	107	102	110	100	101	93	100	33	111	106	110
Net Interest Income / (Expense)	82	82	84	79	82	78	79	81	88	86	90
Total Interest Income	113	125	138	139	146	145	146	152	153	146	151
Loans and Leases Interest Income	99	109	120	120	127	123	124	130	129	121	122
Investment Securities Interest Income	13	13	13	14	14	16	17	17	17	19	23
Deposits and Money Market Investments Interest Income	2.05	3.33	5.69	5.27	4.02	5.83	5.34	4.76	6.89	6.47	5.72
Total Interest Expense	31	43	55	61	64	67	67	71	65	61	61
Deposits Interest Expense	24	34	45	50	55	59	58	59	55	51	52
Long-Term Debt Interest Expense	7.62	9.18	9.98	11	8.61	6.99	8.36	11	10	8.58	8.66
Federal Funds Purchased and Securities Sold Interest Expense	-	-	0.00	0.00	-	-	0.00	0.00	-	-	0.00
Total Non-Interest Income	24	19	27	22	20	14	19	-48	24	20	20
Other Service Charges	6.45	8.22	8.01	7.99	7.34	7.56	10	10	10	11	9.16
Net Realized & Unrealized Capital Gains on Investments	16	3.46	12	8.08	9.73	0.26	2.39	-68	13	1.57	3.13
Investment Banking Income	4.05	4.18	4.26	4.37	4.25	4.33	4.54	4.47	4.65	4.73	4.99
Other Non-Interest Income	-2.42	3.48	1.91	1.48	-1.70	2.34	2.24	5.85	-3.97	2.45	2.49
Provision for Credit Losses	17	12	29	8.00	13	12	19	19	9.91	18	6.06
Total Non-Interest Expense	62	65	73	64	110	67	73	76	83	72	74
Salaries and Employee Benefits	33	35	34	31	33	33	34	35	35	33	36
Net Occupancy & Equipment Expense	9.97	9.86	12	11	11	10	12	8.88	8.69	9.61	8.42
Marketing Expense	3.33	2.59	4.33	2.72	3.17	3.08	4.24	3.47	3.70	3.64	4.82
Property & Liability Insurance Claims	1.93	2.74	2.74	2.59	2.54	3.01	2.77	2.86	2.93	3.24	2.90
Other Operating Expenses	12	13	17	15	59	17	19	24	31	21	21
Depreciation Expense	1.96	1.29	2.28	1.80	1.48	1.48	1.65	1.74	1.73	1.59	1.55
Other Special Charges	-	-	-	-	-	-	1.26	-	-	-	0.00
Income Tax Expense	5.63	5.30	1.87	6.34	-2.97	2.89	1.36	-14	1.14	3.47	6.80
Basic Earnings per Share	$0.66	$0.60	$0.22	$0.66	($0.51)	$0.32	$0.15	($1.43)	$0.52	$0.28	$0.55
Weighted Average Basic Shares Outstanding	33.83M	33.81M	33.70M	33.58M	33.60M	33.72M	33.49M	42.11M	41.92M	41.83M	41.75M
Diluted Earnings per Share	$0.64	$0.60	$0.22	$0.66	($0.52)	$0.31	$0.15	($1.43)	$0.53	$0.28	$0.55
Weighted Average Diluted Shares Outstanding	33.83M	33.81M	33.70M	33.58M	33.60M	33.72M	33.49M	42.11M	41.92M	41.83M	41.75M
Weighted Average Basic & Diluted Shares Outstanding	33.83M	33.81M	33.70M	33.58M	33.60M	33.72M	33.49M	42.11M	41.92M	41.83M	41.75M

This table details how cash moves in and out of Amerant Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Change in Cash & Equivalents	-3.29	18	-68	36	93	60	16	31	268
Net Cash From Operating Activities	75	73	62	78	57	67	-49	27	82
Net Cash From Continuing Operating Activities	75	73	62	78	57	67	-49	27	82
Net Income / (Loss) Continuing Operations	24	43	46	51	-1.72	110	62	31	-16
Consolidated Net Income / (Loss)	24	43	46	51	-1.72	110	62	31	-16
Provision For Loan Losses	22	-3.49	0.38	-3.15	89	-17	14	61	60
Depreciation Expense	9.13	9.04	8.54	7.09	9.39	7.27	5.88	6.84	6.60
Amortization Expense	27	19	17	14	15	13	8.54	4.85	4.56
Non-Cash Adjustments to Reconcile Net Income	-11	-2.09	-4.27	-3.33	-40	-98	-288	-333	-355
Changes in Operating Assets and Liabilities, net	4.27	7.41	-5.25	12	-14	51	149	256	381
Net Cash From Investing Activities	-322	7.57	207	206	286	385	-1,397	-607	-577
Net Cash From Continuing Investing Activities	-322	7.57	207	206	286	385	-1,397	-607	-577
Purchase of Property, Leasehold Improvements and Equipment	-8.54	-8.61	-10	-14	-5.57	-6.58	-11	-11	-7.40
Purchase of Investment Securities	-1,457	-787	-277	-602	-609	-439	-1,769	-926	-1,849
Sale of Property, Leasehold Improvements and Equipment	8.16	31	0.91	5.17	13	0.03	0.00	0.54	0.21
Sale and/or Maturity of Investments	1,135	772	312	817	887	830	382	330	1,354
Other Investing Activities, net	-	-	173	-	-	-	0.00	0.00	-74
Net Cash From Financing Activities	244	-62	-336	-249	-251	-393	1,463	611	763
Net Cash From Continuing Financing Activities	244	-62	-336	-249	-251	-393	1,463	611	763
Net Change in Deposits	58	409	141	-290	-26	-101	1,413	851	528
Issuance of Debt	2,239	1,772	1,278	1,800	808	486	1,159	1,955	1,463
Issuance of Common Equity	0.00	0.00	18	29	-	-	0.00	0.00	156
Repayment of Debt	-2,030	-1,530	-1,284	-1,758	-963	-730	-1,024	-2,177	-1,361
Repurchase of Common Equity	0.00	0.00	-18	-28	-69	-46	-72	-4.93	-7.56
Payment of Dividends	0.00	0.00	-40	-	0.00	0.00	-12	-12	-13
Other Financing Activities, Net	-23	-714	-431	-1.70	-0.92	-2.14	-1.06	-0.52	-1.58
Cash Interest Paid	46	62	89	100	73	46	67	212	272
Cash Income Taxes Paid	9.26	19	19	7.54	11	15	28	25	4.86

This table details how cash moves in and out of Amerant Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025
Period end date	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025
Net Change in Cash & Equivalents	-12	195	-41	-136	13	338	-349	362	-81	58	-12
Net Cash From Operating Activities	-17	-19	11	49	-14	2.79	-2.34	4.21	78	20	58
Net Cash From Continuing Operating Activities	-17	-19	11	49	-14	2.79	-2.34	4.21	78	20	58
Net Income / (Loss) Continuing Operations	22	20	7.05	22	-18	11	4.96	-48	17	12	23
Consolidated Net Income / (Loss)	22	20	7.05	22	-18	11	4.96	-48	17	12	23
Provision For Loan Losses	17	12	29	8.00	13	12	19	19	9.91	18	6.06
Depreciation Expense	1.96	1.29	2.28	1.80	1.48	1.48	1.65	1.74	1.73	1.59	1.55
Amortization Expense	1.56	1.24	1.20	1.22	1.19	1.25	1.34	1.46	0.51	0.56	0.57
Non-Cash Adjustments to Reconcile Net Income	-85	-81	-125	-80	-46	-62	-97	-69	-127	-61	-42
Changes in Operating Assets and Liabilities, net	25	28	96	97	35	39	67	99	176	49	69
Net Cash From Investing Activities	-384	-182	-71	21	-375	287	-328	-237	-298	-223	-202
Net Cash From Continuing Investing Activities	-384	-182	-71	21	-375	287	-328	-237	-298	-223	-202
Purchase of Property, Leasehold Improvements and Equipment	-2.60	-3.74	-3.51	-1.07	-2.62	-3.48	-1.51	-1.61	-0.79	-2.21	-1.34
Purchase of Investment Securities	-471	-247	-125	-60	-495	-229	-393	-454	-773	-296	-247
Sale and/or Maturity of Investments	89	68	57	82	122	519	67	219	549	75	46
Net Cash From Financing Activities	389	396	20	-206	402	48	-19	594	139	261	133
Net Cash From Continuing Financing Activities	389	396	20	-206	402	48	-19	594	139	261	133
Net Change in Deposits	456	243	293	-33	348	-52	-62	295	311	300	-372
Issuance of Debt	400	1,030	100	150	675	408	805	200	50	0.00	50
Repayment of Debt	-464	-872	-369	-318	-619	-338	-755	-50	-219	-30	-60
Repurchase of Common Equity	-	-0.57	-1.66	-2.71	-	0.00	-4.45	-3.11	-	-5.00	-5.00
Payment of Dividends	-3.01	-3.02	-3.02	-3.02	-3.01	-3.01	-3.02	-3.00	-3.78	-3.89	-3.77
Other Financing Activities, Net	-0.05	-1.17	0.27	-0.02	0.40	33	0.39	-0.09	0.21	-0.60	524
Cash Interest Paid	30	39	51	60	61	73	61	73	65	62	59
Cash Income Taxes Paid	5.77	0.49	13	6.16	4.93	0.27	4.48	0.07	0.04	0.32	0.40

This table presents Amerant Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Total Assets	8,437	8,124	7,985	7,771	7,638	9,128	9,716	9,902
Cash and Due from Banks	45	26	28	30	34	19	47	39
Restricted Cash	-	-	-	-	0.00	42	26	24
Interest Bearing Deposits at Other Banks	109	60	93	184	241	229	243	520
Trading Account Securities	1,777	1,671	1,666	1,308	1,190	1,131	1,246	1,483
Loans and Leases, Net of Allowance	5,994	5,858	5,692	-111	5,340	6,774	6,778	7,143
Loans and Leases	6,066	5,920	5,744	-	5,409	6,857	6,873	7,228
Allowance for Loan and Lease Losses	72	62	52	111	70	84	96	85
Accrued Investment Income	73	74	67	94	92	156	256	179
Premises and Equipment, Net	129	124	129	110	38	42	44	32
Goodwill	19	19	20	20	20	20	19	19
Other Assets	285	293	290	6,137	541	715	692	462
Total Liabilities & Shareholders' Equity	8,437	8,124	7,985	7,771	7,638	9,128	9,716	9,902
Total Liabilities	7,683	7,377	7,151	6,987	6,807	8,422	8,980	9,011
Non-Interest Bearing Deposits	896	769	763	872	1,183	1,368	1,427	1,505
Interest Bearing Deposits	5,427	5,264	4,994	4,859	4,448	5,677	6,468	6,350
Other Short-Term Payables	69	-	-	83	106	179	164	152
Long-Term Debt	1,291	1,284	1,327	1,173	933	1,059	798	899
Other Long-Term Liabilities	-	60	66	-	137	140	123	106
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	753	747	835	783	834	708	736	890
Total Preferred & Common Equity	753	747	835	783	832	706	736	890
Total Common Equity	753	747	835	783	834	708	736	890
Common Stock	372	390	424	309	266	198	196	348
Retained Earnings	388	394	444	442	553	590	611	582
Accumulated Other Comprehensive Income / (Loss)	-6.13	-18	13	32	15	-81	-71	-40

This table presents Amerant Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q2 2022	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025	Q2 2025
Period end date	6/30/2022	9/30/2022	3/31/2023	6/30/2023	9/30/2023	3/31/2024	6/30/2024	9/30/2024	3/31/2025	6/30/2025
Total Assets	8,151	8,740	9,495	9,520	9,346	9,818	9,748	10,353	10,170	10,335
Cash and Due from Banks	29	38	41	45	48	41	33	41	40	48
Restricted Cash	22	46	33	34	52	34	32	10	13	7.98
Interest Bearing Deposits at Other Banks	303	218	412	366	203	578	238	614	588	573
Trading Account Securities	1,429	1,122	1,111	1,080	1,062	1,349	1,332	1,523	1,725	1,918
Loans and Leases, Net of Allowance	-52	6,392	6,965	7,061	6,975	6,861	6,617	6,884	7,060	7,097
Loans and Leases	-	6,446	7,050	7,167	7,073	6,957	6,711	6,964	7,158	7,183
Allowance for Loan and Lease Losses	52	54	84	106	99	96	94	80	98	87
Accrued Investment Income	122	160	173	180	202	202	220	222	177	165
Premises and Equipment, Net	39	41	42	44	43	45	33	33	32	32
Goodwill	20	20	21	21	21	19	19	19	19	19
Other Assets	6,173	702	697	689	697	688	671	453	475	476
Total Liabilities & Shareholders' Equity	8,151	8,740	9,495	9,520	9,346	9,818	9,748	10,353	10,170	10,335
Total Liabilities	7,440	8,044	8,766	8,799	8,626	9,080	9,013	9,450	9,263	9,410
Non-Interest Bearing Deposits	1,299	1,319	1,361	1,294	1,370	1,397	1,465	1,482	1,665	1,707
Interest Bearing Deposits	4,904	5,269	5,926	6,286	6,177	6,481	6,351	6,629	6,490	6,600
Other Short-Term Payables	-	182	153	176	210	211	173	165	129	136
Long-Term Debt	983	1,134	1,205	923	748	868	918	1,069	869	859
Other Long-Term Liabilities	254	141	122	120	121	122	106	106	111	109
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	713	698	731	724	723	738	734	903	906	924
Total Preferred & Common Equity	711	696	729	721	720	738	734	903	906	924
Total Common Equity	713	698	731	724	723	738	734	903	906	920
Common Stock	194	195	198	199	197	196	193	347	343	336
Retained Earnings	571	588	608	612	631	618	620	569	590	610
Accumulated Other Comprehensive Income / (Loss)	-51	-86	-74	-87	-106	-76	-79	-13	-27	-25

This table displays calculated financial ratios and metrics derived from Amerant Bancorp's official financial filings.

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Growth Metrics	-	-	-	-	-	-	-	-	-
Revenue Growth	0.00%	10.62%	-2.94%	-1.00%	-2.66%	23.85%	2.51%	23.96%	-18.87%
EBITDA Growth	0.00%	50.24%	-21.25%	2.88%	-76.68%	722.76%	-43.25%	-42.99%	-124.37%
EBIT Growth	0.00%	128.02%	-25.29%	11.23%	-106.77%	3,423.03%	-45.44%	-47.41%	-158.28%
NOPAT Growth	0.00%	82.61%	6.45%	12.00%	-105.91%	3,736.07%	-43.83%	-50.31%	-154.76%
Net Income Growth	0.00%	82.61%	6.45%	12.00%	-103.35%	6,505.98%	-43.83%	-50.31%	-151.16%
EPS Growth	0.00%	83.64%	6.93%	11.11%	-103.33%	7,625.00%	-38.54%	-48.11%	-145.83%
Operating Cash Flow Growth	0.00%	-2.64%	-15.18%	26.11%	-26.97%	17.79%	-172.90%	154.36%	207.60%
Free Cash Flow Firm Growth	0.00%	0.00%	102.94%	-234.35%	356.35%	48.94%	-79.60%	324.42%	-203.94%
Invested Capital Growth	0.00%	0.00%	-0.64%	6.42%	-9.52%	-9.80%	0.02%	-13.07%	16.61%
Revenue Q/Q Growth	0.00%	0.00%	0.00%	-17.00%	21.60%	29.99%	-7.93%	-1.25%	3.08%
EBITDA Q/Q Growth	0.00%	0.00%	0.00%	-39.28%	168.63%	84.86%	-39.21%	-48.13%	74.88%
EBIT Q/Q Growth	0.00%	0.00%	0.00%	-45.52%	91.48%	118.77%	-43.00%	-53.92%	61.78%
NOPAT Q/Q Growth	0.00%	0.00%	0.00%	-1.83%	-192.49%	102.50%	-40.68%	-56.36%	61.78%
Net Income Q/Q Growth	0.00%	0.00%	0.00%	-1.83%	-134.56%	109.03%	-40.68%	-56.36%	68.85%
EPS Q/Q Growth	0.00%	0.00%	0.00%	-1.64%	-157.14%	106.16%	-37.71%	-54.72%	70.47%
Operating Cash Flow Q/Q Growth	0.00%	0.00%	144.95%	-19.46%	8.35%	43.14%	-908.41%	11.51%	955.21%
Free Cash Flow Firm Q/Q Growth	0.00%	0.00%	0.00%	0.00%	127.62%	-3.20%	208.75%	-39.48%	50.38%
Invested Capital Q/Q Growth	0.00%	0.00%	0.00%	3.54%	-2.30%	1.13%	-3.52%	4.52%	-9.25%
Profitability Metrics	-	-	-	-	-	-	-	-	-
EBITDA Margin	27.61%	37.50%	30.43%	31.62%	7.57%	50.31%	27.85%	12.81%	-3.85%
EBIT Margin	13.29%	27.40%	21.09%	23.70%	-1.65%	44.21%	23.53%	9.98%	-7.17%
Profit (Net Income) Margin	9.28%	15.31%	16.79%	19.00%	-0.65%	33.86%	18.56%	7.44%	-4.69%
Tax Burden Percent	69.78%	55.88%	79.62%	80.17%	39.73%	76.59%	78.85%	74.50%	65.40%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	30.22%	44.12%	20.38%	19.83%	0.00%	23.41%	21.15%	25.50%	0.00%
Return on Invested Capital (ROIC)	0.00%	4.21%	2.25%	2.45%	-0.15%	5.93%	3.51%	1.87%	-1.01%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	4.21%	2.25%	2.45%	-0.04%	5.93%	3.51%	1.87%	-0.88%
Return on Net Nonoperating Assets (RNNOA)	0.00%	7.22%	3.86%	4.04%	-0.07%	7.71%	4.52%	2.40%	-0.92%
Return on Equity (ROE)	0.00%	11.43%	6.11%	6.49%	-0.21%	13.64%	8.04%	4.26%	-1.94%
Cash Return on Invested Capital (CROIC)	0.00%	-195.79%	2.89%	-3.77%	9.85%	16.23%	3.49%	15.85%	-16.35%
Operating Return on Assets (OROA)	0.00%	0.91%	0.70%	0.79%	-0.06%	1.87%	0.94%	0.44%	-0.25%
Return on Assets (ROA)	0.00%	0.51%	0.55%	0.64%	-0.02%	1.43%	0.74%	0.33%	-0.16%
Return on Common Equity (ROCE)	0.00%	11.43%	6.11%	6.49%	-0.21%	13.64%	8.04%	4.26%	-1.94%
Return on Equity Simple (ROE_SIMPLE)	0.00%	5.71%	6.13%	6.15%	-0.22%	13.26%	8.78%	4.18%	-1.77%
Net Operating Profit after Tax (NOPAT)	24	43	46	51	-3.03	110	62	31	-17
NOPAT Margin	9.28%	15.31%	16.79%	19.00%	-1.15%	33.86%	18.56%	7.44%	-5.02%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	-0.10%	0.00%	0.00%	0.00%	-0.13%
SG&A Expenses to Revenue	61.54%	56.55%	62.56%	61.67%	54.61%	47.97%	53.08%	45.81%	56.85%
Operating Expenses to Revenue	78.01%	73.84%	78.77%	77.47%	67.95%	60.85%	72.29%	75.21%	89.17%
Earnings before Interest and Taxes (EBIT)	34	77	58	64	-4.33	144	79	41	-24
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	70	105	83	85	20	164	93	53	-13
Valuation Ratios	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.00	0.11	0.71	0.36	0.78	1.49	1.23	1.10	1.06
Price to Tangible Book Value (P/TBV)	0.00	0.11	0.73	0.36	0.80	1.53	1.27	1.13	1.08
Price to Revenue (P/Rev)	0.32	0.29	1.94	1.10	2.33	3.82	2.61	1.95	2.80
Price to Earnings (P/E)	3.47	1.90	11.54	5.78	0.00	11.01	13.79	24.89	0.00
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.18%	1.63%	1.49%	1.61%
Earnings Yield	28.79%	52.57%	8.66%	17.31%	0.00%	9.09%	7.25%	4.02%	0.00%
Enterprise Value to Invested Capital (EV/IC)	0.00	0.60	0.85	0.69	0.80	1.08	0.93	0.84	0.70
Enterprise Value to Revenue (EV/Rev)	0.00	4.34	6.33	5.56	5.97	5.84	4.92	3.12	3.74
Enterprise Value to EBITDA (EV/EBITDA)	0.00	11.57	20.80	17.59	78.89	11.62	17.67	24.35	0.00
Enterprise Value to EBIT (EV/EBIT)	0.00	15.83	30.01	23.46	0.00	13.22	20.91	31.24	0.00
Enterprise Value to NOPAT (EV/NOPAT)	0.00	28.32	37.69	29.27	0.00	17.26	26.52	41.93	0.00
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	16.64	27.79	19.17	27.45	28.23	0.00	48.31	15.27
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	29.34	0.00	7.75	6.31	26.68	4.94	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-
Debt to Equity	0.00	1.71	1.72	1.59	1.50	1.12	1.50	1.08	1.01
Long-Term Debt to Equity	0.00	1.71	1.72	1.59	1.50	1.12	1.50	1.08	1.01
Financial Leverage	0.00	1.71	1.72	1.65	1.55	1.30	1.29	1.28	1.04
Leverage Ratio	0.00	11.20	11.03	10.18	9.74	9.52	10.87	13.05	12.06
Compound Leverage Factor	0.00	11.20	11.03	10.18	9.74	9.52	10.87	13.05	12.06
Debt to Total Capital	0.00%	63.15%	63.21%	61.39%	59.95%	52.78%	59.94%	52.02%	50.23%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	0.00%	63.15%	63.21%	61.39%	59.95%	52.78%	59.94%	52.02%	50.23%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.15%	0.12%	0.00%	0.00%
Common Equity to Total Capital	0.00%	36.85%	36.79%	38.61%	40.05%	47.22%	40.06%	47.98%	49.77%
Debt to EBITDA	0.00	12.24	15.46	15.54	58.88	5.69	11.39	15.05	-69.55
Net Debt to EBITDA	0.00	10.79	14.43	14.12	48.11	4.02	8.26	9.10	-24.40
Long-Term Debt to EBITDA	0.00	12.24	15.46	15.54	58.88	5.69	11.39	15.05	-69.55
Debt to NOPAT	0.00	29.99	28.02	25.86	-386.56	8.45	17.09	25.92	-53.30
Net Debt to NOPAT	0.00	26.42	26.15	23.49	-315.90	5.97	12.40	15.67	-18.70
Long-Term Debt to NOPAT	0.00	29.99	28.02	25.86	-386.56	8.45	17.09	25.92	-53.30
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	0.00	-2,002	59	-79	203	302	62	261	-272
Operating Cash Flow to CapEx	20,018.09%	0.00%	680.62%	862.49%	0.00%	1,029.64%	-462.51%	256.98%	1,142.22%
Free Cash Flow to Firm to Interest Expense	0.00	-31.47	0.65	-0.79	2.86	7.07	0.85	1.18	-1.01
Operating Cash Flow to Interest Expense	1.61	1.15	0.69	0.78	0.81	1.58	-0.68	0.12	0.30
Operating Cash Flow Less CapEx to Interest Expense	1.60	1.50	0.59	0.69	0.92	1.43	-0.83	0.07	0.28
Efficiency Ratios	-	-	-	-	-	-	-	-	-
Asset Turnover	0.00	0.03	0.03	0.03	0.03	0.04	0.04	0.04	0.03
Fixed Asset Turnover	0.00	2.17	2.16	2.14	2.20	4.41	8.39	9.70	8.91
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-
Invested Capital	0.00	2,045	2,032	2,162	1,956	1,765	1,765	1,534	1,789
Invested Capital Turnover	0.00	0.28	0.13	0.13	0.13	0.18	0.19	0.25	0.20
Increase / (Decrease) in Invested Capital	0.00	2,045	-13	130	-206	-192	0.36	-231	255
Enterprise Value (EV)	0.00	1,219	1,727	1,502	1,571	1,904	1,643	1,291	1,255
Market Capitalization	82	82	529	296	613	1,243	873	809	940
Book Value per Share	$0.00	$119.60	$17.59	$58.70	$18.59	$22.24	$20.96	$21.92	$21.15
Tangible Book Value per Share	$0.00	$116.55	$17.14	$57.33	$18.13	$21.72	$20.38	$21.35	$20.69
Total Capital	0.00	2,045	2,032	2,162	1,956	1,767	1,767	1,534	1,789
Total Debt	0.00	1,291	1,284	1,327	1,173	933	1,059	798	899
Total Long-Term Debt	0.00	1,291	1,284	1,327	1,173	933	1,059	798	899
Net Debt	0.00	1,138	1,198	1,206	958	658	769	482	315
Capital Expenditures (CapEx)	0.38	-22	9.13	9.09	-7.90	6.55	11	10	7.20
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	-1.31	0.00	0.00	0.00	-1.11
Net Nonoperating Obligations (NNO)	0.00	1,291	1,284	1,327	1,173	930	1,057	798	899
Total Depreciation and Amortization (D&A)	36	28	25	21	24	20	14	12	11
Earnings Adjustments	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.55	$1.01	$1.08	$1.21	($0.04)	$3.04	$1.87	$0.97	($0.44)
Adjusted Weighted Average Basic Shares Outstanding	0.00	0.00	43.20M	42.21M	38.03M	34.63M	33.83M	33.60M	41.92M
Adjusted Diluted Earnings per Share	$0.55	$1.01	$1.08	$1.20	($0.04)	$3.01	$1.85	$0.96	($0.44)
Adjusted Weighted Average Diluted Shares Outstanding	0.00	0.00	43.20M	42.21M	38.03M	34.63M	33.83M	33.60M	41.92M
Adjusted Basic & Diluted Earnings per Share	$0.55	$1.01	$1.08	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	0.00	0.00	43.20M	42.21M	38.03M	34.63M	33.83M	33.60M	41.92M
Normalized Net Operating Profit after Tax (NOPAT)	24	43	46	51	-3.03	110	62	31	-17
Normalized NOPAT Margin	9.28%	15.31%	16.79%	19.00%	-1.15%	33.86%	18.56%	7.44%	-5.02%
Pre Tax Income Margin	13.29%	27.40%	21.09%	23.70%	-1.65%	44.21%	23.53%	9.98%	-7.17%
Debt Service Ratios	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.72	1.21	0.64	0.64	-0.06	3.37	1.09	0.19	-0.09
NOPAT to Interest Expense	0.50	0.68	0.51	0.51	-0.04	2.58	0.86	0.14	-0.06
EBIT Less CapEx to Interest Expense	0.71	1.56	0.54	0.55	0.05	3.22	0.94	0.14	-0.12
NOPAT Less CapEx to Interest Expense	0.49	1.02	0.41	0.42	0.07	2.43	0.71	0.09	-0.09
Payout Ratios	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	87.27%	0.00%	0.00%	0.00%	19.74%	39.18%	-81.38%
Augmented Payout Ratio	0.00%	0.00%	126.35%	55.45%	-4,028.92%	41.61%	136.03%	55.20%	-129.35%

This table displays calculated financial ratios and metrics derived from Amerant Bancorp's official financial filings.

Metric	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025
Period end date	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-21.26%	45.94%	53.73%	17.06%	-4.93%	-9.07%	-10.61%	-66.85%	9.90%	13.89%	10.57%
EBITDA Growth	-65.95%	28.75%	-12.56%	18.22%	-158.91%	-41.73%	-24.84%	-288.79%	211.15%	8.10%	211.20%
EBIT Growth	-68.35%	39.26%	-15.75%	25.20%	-176.20%	-46.67%	-29.11%	-320.43%	186.19%	13.65%	310.20%
NOPAT Growth	-66.07%	39.43%	-15.64%	24.31%	-167.09%	-47.01%	-29.56%	-299.28%	215.32%	13.15%	363.47%
Net Income Growth	-66.07%	39.43%	-15.64%	24.31%	-182.23%	-47.01%	-29.56%	-321.54%	194.10%	13.15%	363.47%
EPS Growth	-63.64%	36.36%	-12.00%	26.92%	-181.25%	-48.33%	-31.82%	-316.67%	201.92%	-9.68%	266.67%
Operating Cash Flow Growth	-162.45%	-55.11%	129.92%	193.98%	16.21%	114.84%	-121.37%	-91.38%	643.57%	624.63%	2,559.01%
Free Cash Flow Firm Growth	-91.62%	-135.58%	29.26%	671.78%	906.80%	1,150.90%	-106.79%	-242.73%	-210.18%	-146.35%	-2,647.52%
Invested Capital Growth	0.02%	2.77%	-2.98%	-19.76%	-13.07%	-16.93%	0.54%	34.31%	16.61%	10.50%	7.89%
Revenue Q/Q Growth	24.10%	-4.57%	8.67%	-9.05%	0.79%	-8.72%	6.83%	-66.27%	234.13%	-4.44%	3.65%
EBITDA Q/Q Growth	17.74%	-10.29%	-55.38%	150.86%	-158.66%	188.75%	-42.46%	-730.15%	134.54%	-8.65%	72.35%
EBIT Q/Q Growth	22.38%	-8.02%	-64.67%	214.81%	-174.48%	164.37%	-53.03%	-1,078.84%	129.12%	-9.17%	82.01%
NOPAT Q/Q Growth	24.75%	-8.60%	-64.67%	208.56%	-167.33%	172.19%	-53.04%	-972.95%	138.96%	-29.16%	92.36%
Net Income Q/Q Growth	24.75%	-8.60%	-64.67%	208.56%	-182.52%	158.91%	-53.04%	-1,070.46%	135.05%	-29.16%	92.36%
EPS Q/Q Growth	23.08%	-6.25%	-63.33%	200.00%	-178.79%	159.62%	-51.61%	-1,053.33%	137.06%	-47.17%	96.43%
Operating Cash Flow Q/Q Growth	-202.50%	-10.41%	158.29%	345.61%	-129.22%	119.55%	-183.97%	279.63%	1,743.12%	-73.94%	184.96%
Free Cash Flow Firm Q/Q Growth	132.02%	-249.93%	278.99%	565.48%	-43.62%	56.50%	-101.16%	-13,887.53%	56.48%	34.16%	31.45%
Invested Capital Q/Q Growth	-3.52%	9.57%	-15.00%	-10.71%	4.52%	4.70%	2.89%	19.28%	-9.25%	-0.79%	0.46%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	29.06%	27.32%	11.22%	30.93%	-18.01%	17.51%	9.43%	-176.17%	18.21%	17.41%	28.95%
EBIT Margin	25.76%	24.83%	8.07%	27.94%	-20.65%	14.56%	6.40%	-185.77%	16.19%	15.39%	27.03%
Profit (Net Income) Margin	20.48%	19.61%	6.38%	21.63%	-17.71%	11.43%	5.02%	-144.57%	15.16%	11.24%	20.86%
Tax Burden Percent	79.50%	79.00%	79.00%	77.43%	85.79%	78.50%	78.49%	77.82%	93.66%	77.50%	77.20%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	94.25%	100.00%
Effective Tax Rate	20.50%	21.00%	21.00%	22.57%	0.00%	21.50%	21.51%	0.00%	6.34%	22.50%	22.80%
Return on Invested Capital (ROIC)	3.88%	3.76%	1.55%	5.50%	-3.63%	2.61%	1.20%	-24.64%	3.07%	2.32%	4.36%
ROIC Less NNEP Spread (ROIC-NNEP)	3.88%	3.76%	1.55%	5.50%	-3.98%	2.61%	1.20%	-25.17%	3.07%	2.32%	4.36%
Return on Net Nonoperating Assets (RNNOA)	4.99%	5.91%	2.05%	7.27%	-5.12%	3.68%	1.51%	-28.08%	3.20%	2.45%	4.68%
Return on Equity (ROE)	8.87%	9.67%	3.59%	12.77%	-8.74%	6.30%	2.71%	-52.72%	6.26%	4.77%	9.04%
Cash Return on Invested Capital (CROIC)	3.49%	0.81%	7.00%	26.20%	15.85%	19.71%	0.63%	-31.85%	-16.35%	-10.89%	-7.38%
Operating Return on Assets (OROA)	1.03%	1.05%	0.37%	1.30%	-0.91%	0.61%	0.26%	-6.15%	0.55%	0.54%	0.97%
Return on Assets (ROA)	0.82%	0.83%	0.29%	1.00%	-0.78%	0.48%	0.21%	-4.78%	0.52%	0.39%	0.75%
Return on Common Equity (ROCE)	8.87%	9.67%	3.59%	12.77%	-8.74%	6.30%	2.71%	-52.72%	6.26%	4.77%	9.02%
Return on Equity Simple (ROE_SIMPLE)	0.00%	9.27%	9.20%	9.80%	0.00%	2.90%	2.63%	-5.60%	0.00%	-1.58%	0.40%
Net Operating Profit after Tax (NOPAT)	22	20	7.05	22	-15	11	4.96	-43	17	12	23
NOPAT Margin	20.48%	19.61%	6.38%	21.63%	-14.45%	11.43%	5.02%	-130.04%	15.16%	11.24%	20.86%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.36%	0.00%	0.00%	0.53%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	43.26%	46.54%	45.56%	44.68%	46.47%	49.80%	50.49%	142.06%	42.83%	43.80%	44.69%
Operating Expenses to Revenue	58.42%	63.67%	65.61%	64.10%	108.30%	72.03%	74.21%	228.74%	74.91%	67.27%	67.48%
Earnings before Interest and Taxes (EBIT)	27	25	8.92	28	-21	13	6.32	-62	18	16	30
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	31	28	12	31	-18	16	9.31	-59	20	19	32
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.23	0.98	0.79	0.80	1.10	1.05	1.04	0.79	1.06	0.95	0.83
Price to Tangible Book Value (P/TBV)	1.27	1.01	0.81	0.82	1.13	1.08	1.07	0.81	1.08	0.98	0.85
Price to Revenue (P/Rev)	2.61	1.96	1.41	1.38	1.95	1.92	1.94	2.20	2.80	2.48	2.12
Price to Earnings (P/E)	13.79	10.52	8.49	8.07	24.89	33.92	37.11	0.00	0.00	0.00	207.38
Dividend Yield	1.63%	1.70%	2.14%	2.10%	1.49%	1.56%	1.59%	1.68%	1.61%	1.74%	1.97%
Earnings Yield	7.25%	9.51%	11.78%	12.39%	4.02%	2.95%	2.69%	0.00%	0.00%	0.00%	0.48%
Enterprise Value to Invested Capital (EV/IC)	0.93	0.74	0.64	0.70	0.84	0.62	0.83	0.57	0.70	0.62	0.56
Enterprise Value to Revenue (EV/Rev)	4.92	3.93	2.59	2.45	3.12	2.45	3.50	3.44	3.74	3.13	2.76
Enterprise Value to EBITDA (EV/EBITDA)	17.67	14.49	10.77	10.03	24.35	23.92	35.90	0.00	0.00	0.00	97.93
Enterprise Value to EBIT (EV/EBIT)	20.91	16.78	12.49	11.44	31.24	33.54	51.08	0.00	0.00	0.00	2,389.58
Enterprise Value to NOPAT (EV/NOPAT)	26.52	21.27	15.83	14.54	41.93	46.28	71.21	0.00	0.00	0.00	269.70
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	0.00	0.00	42.81	48.31	20.52	39.33	0.00	15.27	10.97	6.22
Enterprise Value to Free Cash Flow (EV/FCFF)	26.68	92.82	8.98	2.37	4.94	2.84	131.63	0.00	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	1.50	1.65	1.28	1.04	1.08	1.18	1.25	1.18	1.01	0.96	0.93
Long-Term Debt to Equity	1.50	1.65	1.28	1.04	1.08	1.18	1.25	1.18	1.01	0.96	0.93
Financial Leverage	1.29	1.57	1.32	1.32	1.28	1.41	1.26	1.12	1.04	1.06	1.07
Leverage Ratio	10.87	11.65	12.30	12.73	13.05	13.14	13.22	12.12	12.06	12.16	12.11
Compound Leverage Factor	10.87	11.65	12.30	12.73	13.05	13.14	13.22	12.12	12.06	11.46	12.11
Debt to Total Capital	59.94%	62.23%	56.05%	50.86%	52.02%	54.05%	55.57%	54.20%	50.23%	48.94%	48.17%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	59.94%	62.23%	56.05%	50.86%	52.02%	54.05%	55.57%	54.20%	50.23%	48.94%	48.17%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.12%	0.12%	0.16%	0.20%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	40.06%	37.77%	43.95%	49.14%	47.98%	45.95%	44.43%	45.80%	49.77%	51.06%	51.60%
Debt to EBITDA	11.39	12.14	9.47	7.32	15.05	20.96	23.95	-20.78	-69.55	-75.33	84.82
Net Debt to EBITDA	8.26	7.25	4.90	4.35	9.10	5.20	16.03	-7.85	-24.40	-19.72	22.63
Long-Term Debt to EBITDA	11.39	12.14	9.47	7.32	15.05	20.96	23.95	-20.78	-69.55	-75.33	84.82
Debt to NOPAT	17.09	17.82	13.92	10.60	25.92	40.55	47.51	-24.22	-53.30	-56.12	233.58
Net Debt to NOPAT	12.40	10.64	7.21	6.31	15.67	10.05	31.81	-9.15	-18.70	-14.69	62.32
Long-Term Debt to NOPAT	17.09	17.82	13.92	10.60	25.92	40.55	47.51	-24.22	-53.30	-56.12	233.58
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.25%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	21	-32	58	383	216	338	-3.91	-547	-238	-157	-107
Operating Cash Flow to CapEx	-655.53%	-502.84%	312.25%	4,563.08%	-545.30%	80.07%	-154.89%	260.66%	9,790.40%	914.07%	4,297.76%
Free Cash Flow to Firm to Interest Expense	0.69	-0.75	1.05	6.30	3.38	5.07	-0.06	-7.74	-3.65	-2.59	-1.77
Operating Cash Flow to Interest Expense	-0.55	-0.44	0.20	0.80	-0.22	0.04	-0.03	0.06	1.19	0.33	0.95
Operating Cash Flow Less CapEx to Interest Expense	-0.63	-0.53	0.14	0.79	-0.26	-0.01	-0.06	0.04	1.18	0.30	0.93
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.04	0.04	0.05	0.05	0.04	0.04	0.04	0.03	0.03	0.03	0.04
Fixed Asset Turnover	8.39	9.11	9.77	9.95	9.70	9.28	10.20	8.59	8.91	9.10	11.07
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	1,765	1,934	1,644	1,468	1,534	1,606	1,653	1,971	1,789	1,775	1,783
Invested Capital Turnover	0.19	0.19	0.24	0.25	0.25	0.23	0.24	0.19	0.20	0.21	0.21
Increase / (Decrease) in Invested Capital	0.36	52	-51	-361	-231	-327	8.87	504	255	169	130
Enterprise Value (EV)	1,643	1,438	1,049	1,026	1,291	991	1,377	1,119	1,255	1,093	992
Market Capitalization	873	716	569	578	809	776	762	716	940	865	763
Book Value per Share	$20.96	$21.62	$21.40	$21.45	$21.92	$21.97	$21.78	$26.96	$21.15	$21.62	$22.00
Tangible Book Value per Share	$20.38	$21.01	$20.79	$20.84	$21.35	$21.40	$21.21	$26.38	$20.69	$21.16	$21.54
Total Capital	1,767	1,936	1,646	1,471	1,534	1,606	1,653	1,971	1,789	1,775	1,783
Total Debt	1,059	1,205	923	748	798	868	918	1,069	899	869	859
Total Long-Term Debt	1,059	1,205	923	748	798	868	918	1,069	899	869	859
Net Debt	769	719	478	445	482	215	615	404	315	227	229
Capital Expenditures (CapEx)	2.60	3.74	3.51	1.07	2.62	3.48	1.51	1.61	0.79	2.21	1.34
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	3.30	0.00	0.00	4.84	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	1,057	1,202	920	745	798	868	918	1,069	899	869	859
Total Depreciation and Amortization (D&A)	3.52	2.53	3.47	3.01	2.67	2.72	2.99	3.20	2.25	2.15	2.12
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.66	$0.60	$0.22	$0.66	($0.51)	$0.32	$0.15	($1.43)	$0.52	$0.28	$0.55
Adjusted Weighted Average Basic Shares Outstanding	33.83M	33.81M	33.70M	33.58M	33.60M	33.72M	33.49M	42.11M	41.92M	41.83M	41.75M
Adjusted Diluted Earnings per Share	$0.64	$0.60	$0.22	$0.66	($0.52)	$0.31	$0.15	($1.43)	$0.53	$0.28	$0.55
Adjusted Weighted Average Diluted Shares Outstanding	33.83M	33.81M	33.70M	33.58M	33.60M	33.72M	33.49M	42.11M	41.92M	41.83M	41.75M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	33.83M	33.81M	33.70M	33.58M	33.60M	33.72M	33.49M	42.11M	41.92M	41.83M	41.75M
Normalized Net Operating Profit after Tax (NOPAT)	22	20	7.05	22	-15	11	4.96	-43	17	12	23
Normalized NOPAT Margin	20.48%	19.61%	6.38%	21.63%	-14.45%	11.43%	5.02%	-130.04%	15.16%	11.24%	20.86%
Pre Tax Income Margin	25.76%	24.83%	8.07%	27.94%	-20.65%	14.56%	6.40%	-185.77%	16.19%	14.50%	27.03%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.88	0.59	0.16	0.46	-0.33	0.20	0.09	-0.88	0.28	0.27	0.49
NOPAT to Interest Expense	0.70	0.47	0.13	0.36	-0.23	0.16	0.07	-0.61	0.26	0.20	0.38
EBIT Less CapEx to Interest Expense	0.80	0.50	0.10	0.44	-0.37	0.15	0.07	-0.90	0.26	0.23	0.47
NOPAT Less CapEx to Interest Expense	0.62	0.38	0.06	0.34	-0.27	0.11	0.05	-0.64	0.25	0.16	0.36
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	19.74%	17.89%	18.20%	17.11%	39.18%	56.30%	62.37%	-23.82%	-81.38%	-95.34%	392.60%
Augmented Payout Ratio	136.03%	44.23%	21.56%	24.10%	55.20%	76.69%	99.38%	-38.76%	-129.35%	-182.77%	749.09%

Financials Breakdown Chart

Key Financial Trends

Amerant Bancorp (NYSE:AMTB) has shown notable financial fluctuations over the past four years, with some key trends emerging from quarterly financial data up to Q2 2025.

Positive Developments:

Consistent growth in Net Interest Income (NII), reaching $90.48 million in Q2 2025 from $58.95 million in Q2 2022, reflecting improved core banking profitability.
Net Income has strengthened substantially, with Q2 2025 net income at $23 million continuing an upward trend from a low in 2023 and marked recovery from prior losses.
Amerant's total assets have steadily increased from about $8.15 billion in Q2 2022 to over $10.33 billion in Q2 2025, indicating balance sheet growth and expansion.
Loan and lease balances have grown consistently, with net loans increasing from approximately $6.62 billion in Q2 2022 to $7.1 billion in Q2 2025, supporting interest income growth.
The company has maintained stable common equity, rising from about $713 million in Q2 2022 to $920 million in Q2 2025, supporting capital adequacy.
Steady earnings per share (EPS) growth is visible, with diluted EPS rising to $0.55 in Q2 2025 from $0.15 in Q1 2025, and recovering strongly compared to negative EPS in 2023 quarters.
Provision for credit losses has reduced from very high levels (e.g., $29 million provision in Q2 2023) to $6.06 million in Q2 2025, indicating improved credit quality management.
Operational efficiency improved with controlled non-interest expenses; non-interest expense as of Q2 2025 is $74.4 million, showing stability compared to elevated expenses in 2023.
Cash flow from operating activities has turned positive and increased to $57.6 million in Q2 2025, a healthy sign for liquidity from core operations.

Neutral Factors:

The bank continues notable investing activities, predominantly purchasing and selling investment securities, which affects cash flow and earnings volatility.
Amerant maintains a sizable long-term debt position around $858 million in Q2 2025, signaling ongoing financing reliance but manageable interest expense levels.
Dividend payments remain consistent, with dividends per share steady at $0.09, supporting income-focused investors but representing cash outflows.
Shares outstanding have remained relatively stable around 41.7 million in 2025, meaning shareholder dilution risk is low currently.

Negative Aspects:

In 2023, the company faced significant earnings challenges, with losses in Q3 and Q4 reaching negative $48.16 million and negative $17.94 million respectively, driven by high provision charges and unrealized capital losses.
The company has experienced volatility in net realized and unrealized capital gains, including steep negative values in some quarters (e.g., -$68.48 million in Q3 2024), impacting profitability.
Cash flow from investing activities shows heavy outflows, reflecting aggressive investment security purchases totaling hundreds of millions per quarter, which could pressure liquidity.
Deposit levels showed volatility, with declines in some recent quarters (net deposit decrease of $371.9 million in Q2 2025), which could signal competitive pressures in funding.
Interest expense has increased modestly, mainly from higher deposit and long-term debt costs, putting some pressure on net interest margins.

Summary:

Amerant Bancorp has demonstrated a strong recovery trajectory following losses and operational instability in 2023. Improving net interest income, controlled credit losses, and stabilization of expenses support a healthier earnings profile. The company’s expanding asset base and solid capital position further enhance its financial strength. However, investors should remain cautious of ongoing volatility in investment gains, deposit fluctuations, and the effects of substantial investing cash outflows. Overall, the recent quarters suggest positive momentum heading into 2025 after a challenging period.

10/20/25 02:34 PM ETAI Generated. May Contain Errors.

Frequently Asked Questions About Amerant Bancorp's Financials

When does Amerant Bancorp's fiscal year end?

According to the most recent income statement we have on file, Amerant Bancorp's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Amerant Bancorp's net income changed over the last 8 years?

Amerant Bancorp's net income appears to be on a downward trend, with a most recent value of -$15.75 million in 2024, falling from $23.58 million in 2016. The previous period was $30.79 million in 2023.

How has Amerant Bancorp's revenue changed over the last 8 years?

Over the last 8 years, Amerant Bancorp's total revenue changed from $254.20 million in 2016 to $335.87 million in 2024, a change of 32.1%.

How much debt does Amerant Bancorp have?

Amerant Bancorp's total liabilities were at $9.01 billion at the end of 2024, a 0.3% increase from 2023, and a 17.3% increase since 2017.

How much cash does Amerant Bancorp have?

In the past 7 years, Amerant Bancorp's cash and equivalents has ranged from $19.49 million in 2022 to $47.23 million in 2023, and is currently $39.20 million as of their latest financial filing in 2024.

How has Amerant Bancorp's book value per share changed over the last 8 years?

Over the last 8 years, Amerant Bancorp's book value per share changed from 0.00 in 2016 to 21.15 in 2024, a change of 2,114.7%.

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This page (NASDAQ:AMTBB) was last updated on 10/20/2025 by MarketBeat.com Staff

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Amerant Bancorp (AMTBB) Financials

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Amerant Bancorp (AMTBB) Financials

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