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Amerant Bancorp (AMTB) Financials

Amerant Bancorp logo
$23.28 -0.63 (-2.64%)
Closing price 03:59 PM Eastern
Extended Trading
$23.32 +0.04 (+0.18%)
As of 04:10 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for Amerant Bancorp

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 2025
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 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 24 43 46 51 -1.72 113 63 32 -16 52
Consolidated Net Income / (Loss)		 24 43 46 51 -1.72 110 62 31 -16 52
Net Income / (Loss) Continuing Operations		 24 43 46 51 -1.72 110 62 31 -16 52
Total Pre-Tax Income 		34 77 58 64 -4.33 144 79 41 -24 66
Total Revenue		 254 281 273 270 263 326 334 414 336 439
Net Interest Income / (Expense)		 192 210 219 213 190 205 267 326 326 361
Total Interest Income		 239 273 309 313 261 248 339 549 596 597
Loans and Leases Interest Income		 189 224 258 263 221 216 293 475 505 479
Investment Securities Interest Income		 49 48 49 47 39 32 41 55 67 96
Deposits and Money Market Investments Interest Income		 0.81 1.64 2.54 2.75 0.63 0.25 4.15 18 23 22
Total Interest Expense		 47 64 90 100 71 43 72 222 270 237
Deposits Interest Expense		 26 36 56 68 53 28 49 184 231 201
Long-Term Debt Interest Expense		 18 26 35 32 18 15 23 38 39 35
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 0.00
Total Non-Interest Income		 62 71 54 57 73 121 67 87 9.91 79
Other Service Charges		 36 47 31 30 21 29 26 32 38 38
Net Realized & Unrealized Capital Gains on Investments		 1.75 -1.60 -0.12 6.87 30 68 18 34 -56 10
Investment Banking Income		 20 21 17 15 17 19 18 17 18 20
Other Non-Interest Income		 4.42 5.46 5.82 5.71 5.70 5.46 5.41 5.17 9.28 10
Provision for Credit Losses		 22 -3.49 0.38 -3.15 89 -17 14 61 60 43
Total Non-Interest Expense		 198 208 215 209 179 198 241 311 299 331
Salaries and Employee Benefits		 130 132 142 137 111 118 124 134 137 143
Net Occupancy & Equipment Expense		 27 27 29 29 31 35 42 43 39 36
Marketing Expense		 - - - - 1.60 3.38 12 13 14 16
Property & Liability Insurance Claims		 7.13 7.62 6.22 4.04 6.14 6.42 6.60 11 12 11
Other Operating Expenses		 26 32 29 32 20 28 52 104 90 103
Depreciation Expense		 9.10 9.04 8.54 7.09 9.39 7.27 5.88 6.84 6.60 6.69
Other Special Charges		 - - - - - - - - - 16
Income Tax Expense		 10 34 12 13 -2.61 34 17 11 -8.33 14
Net Income / (Loss) Attributable to Noncontrolling Interest		 - - - 0.00 0.00 -2.61 -1.35 -1.70 0.00 0.00
Basic Earnings per Share		 $0.55 $1.01 $1.08 $1.21 ($0.04) $3.04 $1.87 $0.97 ($0.44) $1.26
Weighted Average Basic Shares Outstanding		 - - 43.20M 42.21M 38.03M 34.63M 33.83M 33.60M 41.92M 40.23M
Diluted Earnings per Share		 $0.55 $1.01 $1.08 $1.20 ($0.04) $3.01 $1.85 $0.96 ($0.44) $1.26
Weighted Average Diluted Shares Outstanding		 - - 43.20M 42.21M 38.03M 34.63M 33.83M 33.60M 41.92M 40.23M
Weighted Average Basic & Diluted Shares Outstanding		 - - 43.20M 42.21M 38.03M 34.63M 33.83M 33.60M 41.92M 40.23M
Cash Dividends to Common per Share		 - - - - - - $0.36 $0.36 $0.36 $0.36

Quarterly Income Statements for Amerant Bancorp

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 22 -17 11 4.96 -48 17 12 23 15 2.70 18
Consolidated Net Income / (Loss)		 22 -18 11 4.96 -48 17 12 23 15 2.70 18
Net Income / (Loss) Continuing Operations		 22 -18 11 4.96 -48 17 12 23 15 2.70 18
Total Pre-Tax Income 		28 -21 13 6.32 -62 18 15 30 19 1.91 23
Total Revenue		 100 101 93 100 34 111 106 110 111 111 98
Net Interest Income / (Expense)		 79 82 78 79 81 88 86 90 94 90 80
Total Interest Income		 139 146 145 146 152 153 146 151 153 147 133
Loans and Leases Interest Income		 120 127 123 124 130 129 121 122 121 115 103
Investment Securities Interest Income		 14 14 16 17 17 17 19 23 27 27 28
Deposits and Money Market Investments Interest Income		 5.27 4.02 5.83 5.34 4.76 6.89 6.47 5.72 4.59 5.31 2.66
Total Interest Expense		 61 64 67 67 71 65 61 61 59 57 53
Deposits Interest Expense		 50 55 59 58 59 55 51 52 50 48 45
Long-Term Debt Interest Expense		 11 8.61 6.99 8.36 10 10 8.58 8.66 8.74 8.85 8.12
Total Non-Interest Income		 22 20 14 19 -48 24 20 20 17 22 17
Other Service Charges		 7.99 7.34 7.56 10 10 10 11 9.16 7.55 11 7.31
Net Realized & Unrealized Capital Gains on Investments		 8.08 9.73 0.26 2.39 -65 13 1.57 3.13 2.19 3.34 2.05
Investment Banking Income		 4.37 4.25 4.33 4.54 4.47 4.65 4.73 4.99 5.00 5.30 5.46
Other Non-Interest Income		 1.48 -1.70 2.34 2.24 2.33 -3.97 2.45 2.49 2.55 2.60 2.56
Provision for Credit Losses		 8.00 13 12 19 19 9.91 18 6.06 15 3.49 7.80
Total Non-Interest Expense		 64 110 67 73 76 83 72 74 78 107 67
Salaries and Employee Benefits		 31 33 33 34 35 35 33 36 35 39 32
Net Occupancy & Equipment Expense		 11 11 10 12 8.88 8.69 9.61 8.42 8.37 9.38 8.96
Marketing Expense		 2.72 3.17 3.08 4.24 3.47 3.70 3.64 4.82 3.99 3.54 2.94
Property & Liability Insurance Claims		 2.59 2.54 3.01 2.77 2.86 2.93 3.24 2.90 2.55 2.75 2.85
Other Operating Expenses		 15 59 17 19 25 31 21 21 25 35 17
Depreciation Expense		 1.80 1.48 1.48 1.65 1.74 1.73 1.59 1.55 1.49 2.06 1.52
Other Special Charges		 - - - 1.26 0.00 - 0.00 0.00 0.88 - 1.82
Income Tax Expense		 6.34 -2.97 2.89 1.36 -14 1.14 3.47 6.80 4.25 -0.79 5.07
Basic Earnings per Share		 $0.66 ($0.51) $0.32 $0.15 ($1.43) $0.52 $0.28 $0.55 $0.35 $0.08 $0.44
Weighted Average Basic Shares Outstanding		 33.58M 33.60M 33.72M 33.49M 42.11M 41.92M 41.83M 41.75M 41.27M 40.23M 39.35M
Diluted Earnings per Share		 $0.66 ($0.52) $0.31 $0.15 ($1.43) $0.53 $0.28 $0.55 $0.35 $0.08 $0.44
Weighted Average Diluted Shares Outstanding		 33.58M 33.60M 33.72M 33.49M 42.11M 41.92M 41.83M 41.75M 41.27M 40.23M 39.35M
Weighted Average Basic & Diluted Shares Outstanding		 33.58M 33.60M 33.72M 33.49M 42.11M 41.92M 41.83M 41.75M 41.27M 40.23M 39.35M

Annual Cash Flow Statements for Amerant Bancorp

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 2025
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 12/31/2025
Net Change in Cash & Equivalents		 -3.29 18 -68 36 93 60 16 31 268 -120
Net Cash From Operating Activities		 75 73 62 78 57 67 -49 27 82 137
Net Cash From Continuing Operating Activities		 75 73 62 78 57 67 -49 27 82 137
Net Income / (Loss) Continuing Operations		 24 43 46 51 -1.72 110 62 31 -16 52
Consolidated Net Income / (Loss)		 24 43 46 51 -1.72 110 62 31 -16 52
Provision For Loan Losses		 22 -3.49 0.38 -3.15 89 -17 14 61 60 43
Depreciation Expense		 9.13 9.04 8.54 7.09 9.39 7.27 5.88 6.84 6.60 6.69
Amortization Expense		 27 19 17 14 15 13 8.54 4.85 4.56 2.20
Non-Cash Adjustments to Reconcile Net Income		 -11 -2.09 -4.27 -3.33 -40 -98 -288 -333 -355 -98
Changes in Operating Assets and Liabilities, net		 4.27 7.41 -5.25 12 -14 51 149 256 381 131
Net Cash From Investing Activities		 -322 7.57 207 206 286 385 -1,397 -607 -577 -48
Net Cash From Continuing Investing Activities		 -322 7.57 207 206 286 385 -1,397 -607 -577 -48
Purchase of Property, Leasehold Improvements and Equipment		 -8.54 -8.61 -10 -14 -5.57 -6.58 -11 -11 -7.40 -7.75
Purchase of Investment Securities		 -1,457 -787 -277 -602 -609 -439 -1,769 -926 -1,849 -849
Sale of Property, Leasehold Improvements and Equipment		 8.16 31 0.91 5.17 13 0.03 0.00 0.54 0.21 14
Sale and/or Maturity of Investments		 1,135 772 312 817 887 830 382 330 1,354 795
Other Investing Activities, net		 - - 173 - - - 0.00 0.00 -74 0.00
Net Cash From Financing Activities		 244 -62 -336 -249 -251 -393 1,463 611 763 -209
Net Cash From Continuing Financing Activities		 244 -62 -336 -249 -251 -393 1,463 611 763 -209
Net Change in Deposits		 58 409 141 -290 -26 -101 1,413 851 528 -68
Issuance of Debt		 2,239 1,772 1,278 1,800 808 486 1,159 1,955 1,463 380
Issuance of Common Equity		 0.00 0.00 18 29 - - 0.00 0.00 156 0.00
Repayment of Debt		 -2,030 -1,530 -1,284 -1,758 -963 -730 -1,024 -2,177 -1,361 -473
Repurchase of Common Equity		 0.00 0.00 -18 -28 -69 -46 -72 -4.93 -7.56 -33
Payment of Dividends		 0.00 0.00 -40 - 0.00 0.00 -12 -12 -13 -15
Other Financing Activities, Net		 -23 -714 -431 -1.70 -0.92 -2.14 -1.06 -0.52 -1.58 -0.25

Quarterly Cash Flow Statements for Amerant Bancorp

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -136 13 338 -349 362 -81 58 -12 -5.98 -161 -281
Net Cash From Operating Activities		 49 -14 2.79 -2.34 4.21 78 20 58 23 36 11
Net Cash From Continuing Operating Activities		 49 -14 2.79 -2.34 4.21 78 20 58 23 36 11
Net Income / (Loss) Continuing Operations		 22 -18 11 4.96 -48 17 12 23 15 2.70 18
Consolidated Net Income / (Loss)		 22 -18 11 4.96 -48 17 12 23 15 2.70 18
Provision For Loan Losses		 8.00 13 12 19 19 9.91 18 6.06 15 3.49 7.80
Depreciation Expense		 1.80 1.48 1.48 1.65 1.74 1.73 1.59 1.55 1.49 2.06 1.52
Amortization Expense		 1.22 1.19 1.25 1.34 1.46 0.51 0.56 0.57 0.63 0.44 0.35
Non-Cash Adjustments to Reconcile Net Income		 -80 -46 -62 -97 -69 -127 -61 -42 -6.33 11 -2.61
Changes in Operating Assets and Liabilities, net		 97 35 39 67 99 176 49 69 -2.45 16 -14
Net Cash From Investing Activities		 21 -375 287 -328 -237 -298 -223 -202 -76 453 -442
Net Cash From Continuing Investing Activities		 21 -375 287 -328 -237 -298 -223 -202 -76 453 -442
Purchase of Property, Leasehold Improvements and Equipment		 -1.07 -2.62 -3.48 -1.51 -1.61 -0.79 -2.21 -1.34 1.02 -5.21 -0.78
Purchase of Investment Securities		 -60 -495 -229 -393 -454 -773 -270 -247 -174 -132 -685
Sale and/or Maturity of Investments		 82 122 519 67 219 549 49 46 97 577 244
Net Cash From Financing Activities		 -206 402 48 -19 594 139 261 133 47 -650 149
Net Cash From Continuing Financing Activities		 -206 402 48 -19 594 139 261 133 47 -650 149
Net Change in Deposits		 -33 348 -52 -62 295 311 300 -372 -65 69 152
Issuance of Debt		 150 675 408 805 200 50 0.00 50 330 - 20
Repayment of Debt		 -318 -619 -338 -755 -50 -219 -30 -60 -263 -120 0.00
Repurchase of Common Equity		 -2.71 - 0.00 -4.45 -3.11 - -5.00 -5.00 -10 -13 -19
Payment of Dividends		 -3.02 -3.01 -3.01 -3.02 -3.00 -3.78 -3.89 -3.77 -3.75 -3.69 -3.71
Other Financing Activities, Net		 -0.02 0.40 33 0.39 -0.09 0.21 -0.60 524 59 -583 -0.59

Annual Balance Sheets for Amerant Bancorp

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 2025
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 12/31/2025
Total Assets		 8,437 8,124 7,985 7,771 7,638 9,128 9,716 9,902 9,777
Cash and Due from Banks		 45 26 28 30 34 19 47 64 53
Interest Bearing Deposits at Other Banks		 109 60 93 184 241 229 243 520 409
Trading Account Securities		 1,777 1,671 1,666 1,308 1,190 1,131 1,246 1,483 2,030
Loans and Leases, Net of Allowance		 5,994 5,858 5,692 -111 5,340 6,774 6,778 7,143 6,534
Loans and Leases		 6,066 5,920 5,744 - 5,409 6,857 6,873 7,228 6,613
Allowance for Loan and Lease Losses		 72 62 52 111 70 84 96 85 79
Loans Held for Sale		 5.61 - - 0.00 143 0.00 365 0.00 81
Accrued Investment Income		 73 74 67 94 92 156 256 211 178
Goodwill		 19 19 20 20 20 20 19 19 19
Other Assets		 285 293 290 6,137 541 715 692 462 471
Total Liabilities & Shareholders' Equity		 8,437 8,124 7,985 7,771 7,638 9,128 9,716 9,902 9,777
Total Liabilities		 7,683 7,377 7,151 6,987 6,807 8,422 8,980 9,011 8,838
Non-Interest Bearing Deposits		 896 769 763 872 1,183 1,368 1,427 1,505 1,573
Interest Bearing Deposits		 5,427 5,264 4,994 4,859 4,448 5,677 6,468 6,350 6,214
Other Short-Term Payables		 69 - - 83 106 179 164 - 128
Long-Term Debt		 1,291 1,284 1,327 1,173 933 1,059 798 899 806
Other Long-Term Liabilities		 - 60 66 - 137 140 123 258 117
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 753 747 835 783 834 708 736 890 939
Total Preferred & Common Equity		 753 747 835 783 832 706 736 890 939
Total Common Equity		 753 747 835 783 834 708 736 890 939
Common Stock		 372 390 424 309 266 198 196 348 320
Retained Earnings		 388 394 444 442 553 590 611 582 620
Accumulated Other Comprehensive Income / (Loss)		 -6.13 -18 13 32 15 -81 -71 -40 -0.88

Quarterly Balance Sheets for Amerant Bancorp

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 Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 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 9/30/2025 3/31/2026
Total Assets		 8,740 9,495 9,520 9,346 9,818 9,748 10,353 10,170 10,335 10,410 9,904
Cash and Due from Banks		 38 41 45 48 41 33 41 40 48 46 63
Interest Bearing Deposits at Other Banks		 218 412 366 203 578 238 614 588 573 571 118
Trading Account Securities		 1,122 1,111 1,080 1,062 1,349 1,332 1,523 1,725 1,918 2,245 2,374
Loans and Leases, Net of Allowance		 6,392 6,965 7,061 6,975 6,861 6,617 6,884 7,060 7,097 6,847 6,484
Loans and Leases		 6,446 7,050 7,167 7,073 6,957 6,711 6,964 7,158 7,183 6,942 6,563
Allowance for Loan and Lease Losses		 54 84 106 99 96 94 80 98 87 95 79
Loans Held for Sale		 0.00 - - 43 0.00 552 554 41 - - 190
Accrued Investment Income		 160 173 180 202 202 220 222 177 165 168 175
Goodwill		 20 21 21 21 19 19 19 19 19 19 19
Other Assets		 702 697 689 697 688 671 453 475 476 478 480
Total Liabilities & Shareholders' Equity		 8,740 9,495 9,520 9,346 9,818 9,748 10,353 10,170 10,335 10,410 9,904
Total Liabilities		 8,044 8,766 8,799 8,626 9,080 9,013 9,450 9,263 9,410 9,465 8,990
Non-Interest Bearing Deposits		 1,319 1,361 1,294 1,370 1,397 1,465 1,482 1,665 1,707 1,769 1,467
Interest Bearing Deposits		 5,269 5,926 6,286 6,177 6,481 6,351 6,629 6,490 6,600 6,532 6,472
Other Short-Term Payables		 182 153 176 210 211 173 165 129 136 129 108
Long-Term Debt		 1,134 1,205 923 748 868 918 1,069 869 859 926 826
Other Long-Term Liabilities		 141 122 120 121 122 106 106 111 109 110 116
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 698 731 724 723 738 734 903 906 924 945 914
Total Preferred & Common Equity		 696 729 721 720 738 734 903 906 924 945 914
Total Common Equity		 698 731 724 723 738 734 903 906 920 945 914
Common Stock		 195 198 199 197 196 193 347 343 336 331 301
Retained Earnings		 588 608 612 631 618 620 569 590 610 621 634
Accumulated Other Comprehensive Income / (Loss)		 -86 -74 -87 -106 -76 -79 -13 -27 -25 -6.93 -21

Annual Metrics And Ratios for Amerant Bancorp

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 2025
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 12/31/2025
DEI Shares Outstanding		 - - - - - - - - - 41,265,603.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - 41,265,603.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - 1.27
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 0.00% 10.62% -2.94% -1.00% -2.66% 23.85% 2.51% 23.96% -18.87% 30.80%
EBITDA Growth		 0.00% 50.24% -21.25% 2.88% -76.68% 722.76% -43.25% -42.99% -124.37% 680.66%
EBIT Growth		 0.00% 128.02% -25.29% 11.23% -106.77% 3,423.03% -45.44% -47.41% -158.28% 374.63%
NOPAT Growth		 0.00% 82.61% 6.45% 12.00% -105.91% 3,736.07% -43.83% -50.31% -154.76% 410.92%
Net Income Growth		 0.00% 82.61% 6.45% 12.00% -103.35% 6,505.98% -43.83% -50.31% -151.16% 432.76%
EPS Growth		 0.00% 83.64% 6.93% 11.11% -103.33% 7,625.00% -38.54% -48.11% -145.83% 386.36%
Operating Cash Flow Growth		 0.00% -2.64% -15.18% 26.11% -26.97% 17.79% -172.90% 154.36% 207.60% 66.65%
Free Cash Flow Firm Growth		 0.00% 0.00% 102.94% -234.35% 356.35% 48.94% -79.60% 324.42% -203.94% 135.61%
Invested Capital Growth		 0.00% 0.00% -0.64% 6.42% -9.52% -9.80% 0.02% -13.07% 16.61% -2.48%
Revenue Q/Q Growth		 0.00% 0.00% 0.00% -17.00% 21.60% 29.99% -7.93% -1.25% 3.08% 0.63%
EBITDA Q/Q Growth		 0.00% 0.00% 0.00% -39.28% 168.63% 84.86% -39.21% -48.13% 74.88% -15.70%
EBIT Q/Q Growth		 0.00% 0.00% 0.00% -45.52% 91.48% 118.77% -43.00% -53.92% 61.78% -17.71%
NOPAT Q/Q Growth		 0.00% 0.00% 0.00% -1.83% -192.49% 102.50% -40.68% -56.36% 61.78% -21.29%
Net Income Q/Q Growth		 0.00% 0.00% 0.00% -1.83% -134.56% 109.03% -40.68% -56.36% 68.85% -21.29%
EPS Q/Q Growth		 0.00% 0.00% 0.00% -1.64% -157.14% 106.16% -37.71% -54.72% 70.47% -26.32%
Operating Cash Flow Q/Q Growth		 0.00% 0.00% 144.95% -19.46% 8.35% 43.14% -908.41% 11.51% 955.21% -23.06%
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% -42.21%
Invested Capital Q/Q Growth		 0.00% 0.00% 0.00% 3.54% -2.30% 1.13% -3.52% 4.52% -9.25% -6.73%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 27.61% 37.50% 30.43% 31.62% 7.57% 50.31% 27.85% 12.81% -3.85% 17.08%
EBIT Margin		 13.29% 27.40% 21.09% 23.70% -1.65% 44.21% 23.53% 9.98% -7.17% 15.06%
Profit (Net Income) Margin		 9.28% 15.31% 16.79% 19.00% -0.65% 33.86% 18.56% 7.44% -4.69% 11.93%
Tax Burden Percent		 69.78% 55.88% 79.62% 80.17% 39.73% 76.59% 78.85% 74.50% 65.40% 79.25%
Interest Burden Percent		 100.00% 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% 20.75%
Return on Invested Capital (ROIC)		 0.00% 4.21% 2.25% 2.45% -0.15% 5.93% 3.51% 1.87% -1.01% 2.97%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 4.21% 2.25% 2.45% -0.04% 5.93% 3.51% 1.87% -0.88% 2.97%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 7.22% 3.86% 4.04% -0.07% 7.71% 4.52% 2.40% -0.92% 2.76%
Return on Equity (ROE)		 0.00% 11.43% 6.11% 6.49% -0.21% 13.64% 8.04% 4.26% -1.94% 5.73%
Cash Return on Invested Capital (CROIC)		 0.00% -195.79% 2.89% -3.77% 9.85% 16.23% 3.49% 15.85% -16.35% 5.48%
Operating Return on Assets (OROA)		 0.00% 0.91% 0.70% 0.79% -0.06% 1.87% 0.94% 0.44% -0.25% 0.67%
Return on Assets (ROA)		 0.00% 0.51% 0.55% 0.64% -0.02% 1.43% 0.74% 0.33% -0.16% 0.53%
Return on Common Equity (ROCE)		 0.00% 11.43% 6.11% 6.49% -0.21% 13.64% 8.04% 4.26% -1.94% 5.73%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 5.71% 6.13% 6.15% -0.22% 13.26% 8.78% 4.18% -1.77% 5.58%
Net Operating Profit after Tax (NOPAT)		 24 43 46 51 -3.03 110 62 31 -17 52
NOPAT Margin		 9.28% 15.31% 16.79% 19.00% -1.15% 33.86% 18.56% 7.44% -5.02% 11.93%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% -0.10% 0.00% 0.00% 0.00% -0.13% 0.00%
SG&A Expenses to Revenue		 61.54% 56.55% 62.56% 61.67% 54.61% 47.97% 53.08% 45.81% 56.85% 44.39%
Operating Expenses to Revenue		 78.01% 73.84% 78.77% 77.47% 67.95% 60.85% 72.29% 75.21% 89.17% 75.25%
Earnings before Interest and Taxes (EBIT)		 34 77 58 64 -4.33 144 79 41 -24 66
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 70 105 83 85 20 164 93 53 -13 75
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 0.85
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 0.87
Price to Revenue (P/Rev)		 0.32 0.29 1.94 1.10 2.33 3.82 2.61 1.95 2.80 1.83
Price to Earnings (P/E)		 3.47 1.90 11.54 5.78 0.00 11.01 13.79 24.89 0.00 15.30
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.18% 1.63% 1.49% 1.61% 1.85%
Earnings Yield		 28.79% 52.57% 8.66% 17.31% 0.00% 9.09% 7.25% 4.02% 0.00% 6.54%
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 0.66
Enterprise Value to Revenue (EV/Rev)		 0.00 4.34 6.33 5.56 5.97 5.84 4.92 3.12 3.74 2.61
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 11.57 20.80 17.59 78.89 11.62 17.67 24.35 0.00 15.26
Enterprise Value to EBIT (EV/EBIT)		 0.00 15.83 30.01 23.46 0.00 13.22 20.91 31.24 0.00 17.31
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 28.32 37.69 29.27 0.00 17.26 26.52 41.93 0.00 21.84
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 8.36
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 11.83
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.00 1.71 1.72 1.59 1.50 1.12 1.50 1.08 1.01 0.86
Long-Term Debt to Equity		 0.00 1.71 1.72 1.59 1.50 1.12 1.50 1.08 1.01 0.86
Financial Leverage		 0.00 1.71 1.72 1.65 1.55 1.30 1.29 1.28 1.04 0.93
Leverage Ratio		 0.00 11.20 11.03 10.18 9.74 9.52 10.87 13.05 12.06 10.76
Compound Leverage Factor		 0.00 11.20 11.03 10.18 9.74 9.52 10.87 13.05 12.06 10.76
Debt to Total Capital		 0.00% 63.15% 63.21% 61.39% 59.95% 52.78% 59.94% 52.02% 50.23% 46.19%
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%
Long-Term Debt to Total Capital		 0.00% 63.15% 63.21% 61.39% 59.95% 52.78% 59.94% 52.02% 50.23% 46.19%
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%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.15% 0.12% 0.00% 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% 53.81%
Debt to EBITDA		 0.00 12.24 15.46 15.54 58.88 5.69 11.39 15.05 -69.55 10.74
Net Debt to EBITDA		 0.00 10.79 14.43 14.12 48.11 4.02 8.26 9.10 -24.40 4.57
Long-Term Debt to EBITDA		 0.00 12.24 15.46 15.54 58.88 5.69 11.39 15.05 -69.55 10.74
Debt to NOPAT		 0.00 29.99 28.02 25.86 -386.56 8.45 17.09 25.92 -53.30 15.38
Net Debt to NOPAT		 0.00 26.42 26.15 23.49 -315.90 5.97 12.40 15.67 -18.70 6.54
Long-Term Debt to NOPAT		 0.00 29.99 28.02 25.86 -386.56 8.45 17.09 25.92 -53.30 15.38
Noncontrolling Interest Sharing Ratio		 0.00% 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 97
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% 0.00%
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 0.41
Operating Cash Flow to Interest Expense		 1.61 1.15 0.69 0.78 0.81 1.58 -0.68 0.12 0.30 0.58
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 0.61
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.00 0.03 0.03 0.03 0.03 0.04 0.04 0.04 0.03 0.04
Fixed Asset Turnover		 0.00 2.17 2.16 2.14 2.20 4.41 8.39 9.70 8.91 0.00
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 0.00 2,045 2,032 2,162 1,956 1,765 1,765 1,534 1,789 1,745
Invested Capital Turnover		 0.00 0.28 0.13 0.13 0.13 0.18 0.19 0.25 0.20 0.25
Increase / (Decrease) in Invested Capital		 0.00 2,045 -13 130 -206 -192 0.36 -231 255 -44
Enterprise Value (EV)		 0.00 1,219 1,727 1,502 1,571 1,904 1,643 1,291 1,255 1,145
Market Capitalization		 82 82 529 296 613 1,243 873 809 940 802
Book Value per Share		 $0.00 $119.60 $17.59 $58.70 $18.59 $22.24 $20.96 $21.92 $21.15 $22.75
Tangible Book Value per Share		 $0.00 $116.55 $17.14 $57.33 $18.13 $21.72 $20.38 $21.35 $20.69 $22.29
Total Capital		 0.00 2,045 2,032 2,162 1,956 1,767 1,767 1,534 1,789 1,745
Total Debt		 0.00 1,291 1,284 1,327 1,173 933 1,059 798 899 806
Total Long-Term Debt		 0.00 1,291 1,284 1,327 1,173 933 1,059 798 899 806
Net Debt		 0.00 1,138 1,198 1,206 958 658 769 482 315 343
Capital Expenditures (CapEx)		 0.38 -22 9.13 9.09 -7.90 6.55 11 10 7.20 -6.37
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 -1.31 0.00 0.00 0.00 -1.11 0.00
Net Nonoperating Obligations (NNO)		 0.00 1,291 1,284 1,327 1,173 930 1,057 798 899 806
Total Depreciation and Amortization (D&A)		 36 28 25 21 24 20 14 12 11 8.89
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) $1.26
Adjusted Weighted Average Basic Shares Outstanding		 0.00 0.00 43.20M 42.21M 38.03M 34.63M 33.83M 33.60M 41.92M 40.23M
Adjusted Diluted Earnings per Share		 $0.55 $1.01 $1.08 $1.20 ($0.04) $3.01 $1.85 $0.96 ($0.44) $1.26
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 0.00 43.20M 42.21M 38.03M 34.63M 33.83M 33.60M 41.92M 40.23M
Adjusted Basic & Diluted Earnings per Share		 $0.55 $1.01 $1.08 $0.00 $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 40.23M
Normalized Net Operating Profit after Tax (NOPAT)		 24 43 46 51 -3.03 110 62 31 -17 65
Normalized NOPAT Margin		 9.28% 15.31% 16.79% 19.00% -1.15% 33.86% 18.56% 7.44% -5.02% 14.77%
Pre Tax Income Margin		 13.29% 27.40% 21.09% 23.70% -1.65% 44.21% 23.53% 9.98% -7.17% 15.06%
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 0.28
NOPAT to Interest Expense		 0.50 0.68 0.51 0.51 -0.04 2.58 0.86 0.14 -0.06 0.22
EBIT Less CapEx to Interest Expense		 0.71 1.56 0.54 0.55 0.05 3.22 0.94 0.14 -0.12 0.31
NOPAT Less CapEx to Interest Expense		 0.49 1.02 0.41 0.42 0.07 2.43 0.71 0.09 -0.09 0.25
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 87.27% 0.00% 0.00% 0.00% 19.74% 39.18% -81.38% 28.80%
Augmented Payout Ratio		 0.00% 0.00% 126.35% 55.45% -4,028.92% 41.61% 136.03% 55.20% -129.35% 91.76%

Quarterly Metrics And Ratios for Amerant Bancorp

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

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - - - - 41,265,603.00 40,230,946.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - 41,265,603.00 40,230,946.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - 0.07 0.44
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 17.06% -4.93% -9.07% -10.61% -66.85% 9.90% 13.89% 10.57% 225.31% 2.52% -8.19%
EBITDA Growth		 18.22% -158.91% -41.73% -24.84% -288.79% 211.15% 8.10% 211.20% 136.59% -80.12% 34.01%
EBIT Growth		 25.20% -176.20% -46.67% -29.11% -320.43% 186.19% 13.65% 310.20% 131.19% -93.65% 40.14%
NOPAT Growth		 24.31% -167.09% -47.01% -29.56% -299.28% 215.32% 13.15% 363.47% 134.06% -84.00% 49.46%
Net Income Growth		 24.31% -182.23% -47.01% -29.56% -321.54% 194.10% 13.15% 363.47% 130.64% -84.00% 49.46%
EPS Growth		 26.92% -181.25% -48.33% -31.82% -316.67% 201.92% -9.68% 266.67% 124.48% -84.91% 57.14%
Operating Cash Flow Growth		 193.98% 16.21% 114.84% -121.37% -91.38% 643.57% 624.63% 2,559.01% 439.53% -52.95% -45.96%
Free Cash Flow Firm Growth		 671.78% 906.80% 1,150.90% -106.79% -242.73% -210.18% -146.35% -2,647.52% 121.14% 119.77% 133.63%
Invested Capital Growth		 -19.76% -13.07% -16.93% 0.54% 34.31% 16.61% 10.50% 7.89% -5.12% -2.48% -1.96%
Revenue Q/Q Growth		 -9.05% 0.79% -8.72% 6.83% -66.27% 234.13% -4.44% 3.65% 1.08% -0.19% -12.20%
EBITDA Q/Q Growth		 150.86% -158.66% 188.75% -42.46% -730.15% 134.54% -8.65% 72.35% -33.80% -83.59% 615.51%
EBIT Q/Q Growth		 214.81% -174.48% 164.37% -53.03% -1,078.84% 129.12% -9.17% 82.01% -36.21% -94.92% 2,277.51%
NOPAT Q/Q Growth		 208.56% -167.33% 172.19% -53.04% -972.95% 138.96% -29.16% 92.36% -35.85% -81.70% 561.72%
Net Income Q/Q Growth		 208.56% -182.52% 158.91% -53.04% -1,070.46% 135.05% -29.16% 92.36% -35.85% -81.70% 561.72%
EPS Q/Q Growth		 200.00% -178.79% 159.62% -51.61% -1,053.33% 137.06% -47.17% 96.43% -36.36% -77.14% 450.00%
Operating Cash Flow Q/Q Growth		 345.61% -129.22% 119.55% -183.97% 279.63% 1,743.12% -73.94% 184.96% -60.59% 60.73% -70.06%
Free Cash Flow Firm Q/Q Growth		 565.48% -43.62% 56.50% -101.16% -13,887.53% 56.48% 34.16% 31.45% 207.61% -59.30% 12.01%
Invested Capital Q/Q Growth		 -10.71% 4.52% 4.70% 2.89% 19.28% -9.25% -0.79% 0.46% 4.90% -6.73% -0.26%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 30.93% -18.01% 17.51% 9.43% -176.17% 18.21% 17.41% 28.95% 18.96% 3.12% 25.41%
EBIT Margin		 27.94% -20.65% 14.56% 6.40% -185.77% 16.19% 15.39% 27.03% 17.06% 0.87% 23.49%
Profit (Net Income) Margin		 21.63% -17.71% 11.43% 5.02% -144.57% 15.16% 11.24% 20.86% 13.24% 2.43% 18.30%
Tax Burden Percent		 77.43% 85.79% 78.50% 78.49% 77.82% 93.66% 77.50% 77.20% 77.63% 141.64% 77.90%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 94.25% 100.00% 100.00% 197.62% 100.00%
Effective Tax Rate		 22.57% 0.00% 21.50% 21.51% 0.00% 6.34% 22.50% 22.80% 22.37% -41.64% 22.10%
Return on Invested Capital (ROIC)		 5.50% -3.63% 2.61% 1.20% -24.64% 3.07% 2.32% 4.36% 3.01% 0.60% 4.48%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.50% -3.98% 2.61% 1.20% -25.17% 3.07% 2.32% 4.36% 3.01% 0.60% 4.48%
Return on Net Nonoperating Assets (RNNOA)		 7.27% -5.12% 3.68% 1.51% -28.08% 3.20% 2.45% 4.68% 3.25% 0.56% 4.18%
Return on Equity (ROE)		 12.77% -8.74% 6.30% 2.71% -52.72% 6.26% 4.77% 9.04% 6.26% 1.17% 8.66%
Cash Return on Invested Capital (CROIC)		 26.20% 15.85% 19.71% 0.63% -31.85% -16.35% -10.89% -7.38% 8.72% 5.48% 5.30%
Operating Return on Assets (OROA)		 1.30% -0.91% 0.61% 0.26% -6.15% 0.55% 0.54% 0.97% 0.72% 0.04% 1.01%
Return on Assets (ROA)		 1.00% -0.78% 0.48% 0.21% -4.78% 0.52% 0.39% 0.75% 0.56% 0.11% 0.79%
Return on Common Equity (ROCE)		 12.77% -8.74% 6.30% 2.71% -52.72% 6.26% 4.77% 9.02% 6.26% 1.17% 8.66%
Return on Equity Simple (ROE_SIMPLE)		 9.80% 0.00% 2.90% 2.63% -5.60% 0.00% -1.58% 0.40% 7.05% 0.00% 6.38%
Net Operating Profit after Tax (NOPAT)		 22 -15 11 4.96 -43 17 12 23 15 2.70 18
NOPAT Margin		 21.63% -14.45% 11.43% 5.02% -130.04% 15.16% 11.24% 20.86% 13.24% 2.43% 18.30%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.36% 0.00% 0.00% 0.53% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 44.68% 46.47% 49.80% 50.49% 142.06% 42.83% 43.80% 44.69% 42.58% 46.46% 44.99%
Operating Expenses to Revenue		 64.10% 108.30% 72.03% 74.21% 228.74% 74.91% 67.27% 67.48% 69.84% 95.99% 68.52%
Earnings before Interest and Taxes (EBIT)		 28 -21 13 6.32 -62 18 16 30 19 0.97 23
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 31 -18 16 9.31 -59 20 19 32 21 3.47 25
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.80 1.10 1.05 1.04 0.79 1.06 0.95 0.83 0.85 0.85 0.97
Price to Tangible Book Value (P/TBV)		 0.82 1.13 1.08 1.07 0.81 1.08 0.98 0.85 0.87 0.87 0.99
Price to Revenue (P/Rev)		 1.38 1.95 1.92 1.94 2.20 2.80 2.48 2.12 1.84 1.83 2.06
Price to Earnings (P/E)		 8.07 24.89 33.92 37.11 0.00 0.00 0.00 207.38 12.08 15.30 15.20
Dividend Yield		 2.10% 1.49% 1.56% 1.59% 1.68% 1.61% 1.74% 1.97% 1.87% 1.85% 1.63%
Earnings Yield		 12.39% 4.02% 2.95% 2.69% 0.00% 0.00% 0.00% 0.48% 8.28% 6.54% 6.58%
Enterprise Value to Invested Capital (EV/IC)		 0.70 0.84 0.62 0.83 0.57 0.70 0.62 0.56 0.59 0.66 0.88
Enterprise Value to Revenue (EV/Rev)		 2.45 3.12 2.45 3.50 3.44 3.74 3.13 2.76 2.53 2.61 3.56
Enterprise Value to EBITDA (EV/EBITDA)		 10.03 24.35 23.92 35.90 0.00 0.00 0.00 97.93 12.43 15.26 18.83
Enterprise Value to EBIT (EV/EBIT)		 11.44 31.24 33.54 51.08 0.00 0.00 0.00 2,389.58 13.77 17.31 21.06
Enterprise Value to NOPAT (EV/NOPAT)		 14.54 41.93 46.28 71.21 0.00 0.00 0.00 269.70 16.61 21.84 26.26
Enterprise Value to Operating Cash Flow (EV/OCF)		 42.81 48.31 20.52 39.33 0.00 15.27 10.97 6.22 6.21 8.36 11.99
Enterprise Value to Free Cash Flow (EV/FCFF)		 2.37 4.94 2.84 131.63 0.00 0.00 0.00 0.00 6.61 11.83 16.44
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.04 1.08 1.18 1.25 1.18 1.01 0.96 0.93 0.98 0.86 0.90
Long-Term Debt to Equity		 1.04 1.08 1.18 1.25 1.18 1.01 0.96 0.93 0.98 0.86 0.90
Financial Leverage		 1.32 1.28 1.41 1.26 1.12 1.04 1.06 1.07 1.08 0.93 0.93
Leverage Ratio		 12.73 13.05 13.14 13.22 12.12 12.06 12.16 12.11 11.24 10.76 11.03
Compound Leverage Factor		 12.73 13.05 13.14 13.22 12.12 12.06 11.46 12.11 11.24 21.26 11.03
Debt to Total Capital		 50.86% 52.02% 54.05% 55.57% 54.20% 50.23% 48.94% 48.17% 49.48% 46.19% 47.48%
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		 50.86% 52.02% 54.05% 55.57% 54.20% 50.23% 48.94% 48.17% 49.48% 46.19% 47.48%
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		 0.20% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 49.14% 47.98% 45.95% 44.43% 45.80% 49.77% 51.06% 51.60% 50.52% 53.81% 52.52%
Debt to EBITDA		 7.32 15.05 20.96 23.95 -20.78 -69.55 -75.33 84.82 10.40 10.74 10.16
Net Debt to EBITDA		 4.35 9.10 5.20 16.03 -7.85 -24.40 -19.72 22.63 3.39 4.57 7.93
Long-Term Debt to EBITDA		 7.32 15.05 20.96 23.95 -20.78 -69.55 -75.33 84.82 10.40 10.74 10.16
Debt to NOPAT		 10.60 25.92 40.55 47.51 -24.22 -53.30 -56.12 233.58 13.90 15.38 14.17
Net Debt to NOPAT		 6.31 15.67 10.05 31.81 -9.15 -18.70 -14.69 62.32 4.53 6.54 11.06
Long-Term Debt to NOPAT		 10.60 25.92 40.55 47.51 -24.22 -53.30 -56.12 233.58 13.90 15.38 14.17
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.25% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 383 216 338 -3.91 -547 -238 -157 -107 116 47 53
Operating Cash Flow to CapEx		 4,563.08% -545.30% 80.07% -154.89% 260.66% 9,790.40% 914.07% 4,297.76% 0.00% 700.10% 1,407.47%
Free Cash Flow to Firm to Interest Expense		 6.30 3.38 5.07 -0.06 -7.74 -3.65 -2.59 -1.77 1.97 0.83 1.00
Operating Cash Flow to Interest Expense		 0.80 -0.22 0.04 -0.03 0.06 1.19 0.33 0.95 0.39 0.64 0.21
Operating Cash Flow Less CapEx to Interest Expense		 0.79 -0.26 -0.01 -0.06 0.04 1.18 0.30 0.93 0.40 0.55 0.19
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.04 0.04 0.04 0.03 0.03 0.03 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 9.95 9.70 9.28 10.20 8.59 8.91 9.10 11.07 13.83 0.00 0.00
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,468 1,534 1,606 1,653 1,971 1,789 1,775 1,783 1,871 1,745 1,740
Invested Capital Turnover		 0.25 0.25 0.23 0.24 0.19 0.20 0.21 0.21 0.23 0.25 0.25
Increase / (Decrease) in Invested Capital		 -361 -231 -327 8.87 504 255 169 130 -101 -44 -35
Enterprise Value (EV)		 1,026 1,291 991 1,377 1,119 1,255 1,093 992 1,106 1,145 1,532
Market Capitalization		 578 809 776 762 716 940 865 763 805 802 887
Book Value per Share		 $21.45 $21.92 $21.97 $21.78 $26.96 $21.15 $21.62 $22.00 $22.63 $22.75 $22.72
Tangible Book Value per Share		 $20.84 $21.35 $21.40 $21.21 $26.38 $20.69 $21.16 $21.54 $22.17 $22.29 $22.24
Total Capital		 1,471 1,534 1,606 1,653 1,971 1,789 1,775 1,783 1,871 1,745 1,740
Total Debt		 748 798 868 918 1,069 899 869 859 926 806 826
Total Long-Term Debt		 748 798 868 918 1,069 899 869 859 926 806 826
Net Debt		 445 482 215 615 404 315 227 229 302 343 645
Capital Expenditures (CapEx)		 1.07 2.62 3.48 1.51 1.61 0.79 2.21 1.34 -1.02 5.21 0.78
Net Nonoperating Expense (NNE)		 0.00 3.30 0.00 0.00 4.84 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 745 798 868 918 1,069 899 869 859 926 806 826
Total Depreciation and Amortization (D&A)		 3.01 2.67 2.72 2.99 3.20 2.25 2.15 2.12 2.12 2.50 1.87
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.66 ($0.51) $0.32 $0.15 ($1.43) $0.52 $0.28 $0.55 $0.35 $0.08 $0.44
Adjusted Weighted Average Basic Shares Outstanding		 33.58M 33.60M 33.72M 33.49M 42.11M 41.92M 41.83M 41.75M 41.27M 40.23M 39.35M
Adjusted Diluted Earnings per Share		 $0.66 ($0.52) $0.31 $0.15 ($1.43) $0.53 $0.28 $0.55 $0.35 $0.08 $0.44
Adjusted Weighted Average Diluted Shares Outstanding		 33.58M 33.60M 33.72M 33.49M 42.11M 41.92M 41.83M 41.75M 41.27M 40.23M 39.35M
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		 33.58M 33.60M 33.72M 33.49M 42.11M 41.92M 41.83M 41.75M 41.27M 40.23M 39.35M
Normalized Net Operating Profit after Tax (NOPAT)		 22 -15 11 4.96 -43 17 12 23 15 1.33 19
Normalized NOPAT Margin		 21.63% -14.45% 11.43% 5.02% -130.04% 15.16% 11.24% 20.86% 13.85% 1.20% 19.76%
Pre Tax Income Margin		 27.94% -20.65% 14.56% 6.40% -185.77% 16.19% 14.50% 27.03% 17.06% 1.71% 23.49%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.46 -0.33 0.20 0.09 -0.88 0.28 0.27 0.49 0.32 0.02 0.44
NOPAT to Interest Expense		 0.36 -0.23 0.16 0.07 -0.61 0.26 0.20 0.38 0.25 0.05 0.34
EBIT Less CapEx to Interest Expense		 0.44 -0.37 0.15 0.07 -0.90 0.26 0.23 0.47 0.34 -0.07 0.42
NOPAT Less CapEx to Interest Expense		 0.34 -0.27 0.11 0.05 -0.64 0.25 0.16 0.36 0.27 -0.04 0.32
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 17.11% 39.18% 56.30% 62.37% -23.82% -81.38% -95.34% 392.60% 22.80% 28.80% 25.58%
Augmented Payout Ratio		 24.10% 55.20% 76.69% 99.38% -38.76% -129.35% -182.77% 749.09% 52.83% 91.76% 105.65%

Financials Breakdown Chart

Key Financial Trends

Amerant Bancorp (NYSE: AMTB) started 2026 with a much stronger earnings profile than it showed at the end of 2025, but the quarter also featured some notable balance sheet and cash flow pressure points that investors should watch closely.

For Q1 2026, Amerant reported net income of $17.9 million, up sharply from $2.7 million in Q4 2025 and $14.8 million in Q3 2025. Earnings per share improved to $0.44 from $0.08 in Q4 2025, showing a meaningful rebound in profitability.

Revenue also improved sequentially. Total revenue rose to $97.7 million from $111.2 million in Q4 2025, but profitability improved because expenses fell materially. Non-interest expense dropped to $66.9 million from $106.8 million in Q4 2025, while the provision for credit losses increased to $7.8 million from $3.5 million, which is not ideal but still manageable relative to earnings.

The balance sheet remains sizable at $9.90 billion in total assets. Loans and leases net of allowance were $6.48 billion, down from $6.85 billion in Q3 2025 and $7.10 billion in Q2 2025, suggesting the loan book has been shrinking. Deposits also declined year over year, with non-interest-bearing deposits at $1.47 billion and interest-bearing deposits at $6.47 billion. Total equity stood at $913.9 million.

Cash flow was mixed. Amerant generated only $10.9 million in operating cash flow in Q1 2026, down from $36.5 million in Q4 2025 and $57.6 million in Q2 2025. Investing cash outflow remained heavy at $(441.5) million, driven largely by investment securities activity. Financing inflows helped offset some of that pressure, including a $152.2 million increase in deposits and $20 million of debt issuance, but overall cash and equivalents still fell by $281.4 million.

  • Q1 2026 net income rebounded to $17.9 million, a major improvement from the prior quarter.
  • EPS rose to $0.44, signaling better bottom-line performance.
  • Non-interest expense fell sharply to $66.9 million from $106.8 million in Q4 2025.
  • Net interest income remained solid at $80.3 million, showing the core banking business is still producing meaningful earnings power.
  • Book value support remains intact with $913.9 million in common equity.
  • Total assets were essentially stable near $9.9 billion, indicating no major balance sheet expansion or contraction in the quarter.
  • The company remains profitable, but earnings can swing materially quarter to quarter, which points to volatility in non-interest income and expenses.
  • Allowance for loan losses was $79.2 million, which suggests credit reserves remain present but should be monitored alongside loan growth trends.
  • Operating cash flow was weak relative to earnings, with just $10.9 million generated in Q1 2026.
  • Loans and leases declined to $6.56 billion gross from $6.94 billion in Q3 2025, which may indicate slower loan growth or runoff.
  • Cash and equivalents fell by $281.4 million during the quarter, reflecting pressure from investing activity and balance sheet movements.

Bottom line: Amerant Bancorp showed a clear earnings recovery in Q1 2026, helped by lower expenses and healthier profitability. However, investors should keep an eye on shrinking loans, soft operating cash flow, and the large swings in cash and investment activity, which make the story more volatile than a typical steady-growth bank.

06/15/26 05:05 PM ETAI Generated. May Contain Errors.

Amerant Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Amerant Bancorp's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Over the last 9 years, Amerant Bancorp's net income changed from $23.58 million in 2016 to $52.42 million in 2025, a change of 122.3%. Find out what analysts predict for Amerant Bancorp in the coming months.

Over the last 9 years, Amerant Bancorp's total revenue changed from $254.20 million in 2016 to $439.30 million in 2025, a change of 72.8%.

Amerant Bancorp's total liabilities were at $8.84 billion at the end of 2025, a 1.9% decrease from 2024, and a 15.0% increase since 2017.

In the past 8 years, Amerant Bancorp's cash and equivalents has ranged from $19.49 million in 2022 to $63.56 million in 2024, and is currently $53.48 million as of their latest financial filing in 2025.

Over the last 9 years, Amerant Bancorp's book value per share changed from 0.00 in 2016 to 22.75 in 2025, a change of 2,275.0%.


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Financial statements for NYSE:AMTB last updated on 5/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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