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AMTBAmerant Bancorp Inc.
$25.55$1.1B
Overview & Verdict
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AMTB logoAmerant Bancorp Inc.(AMTB)Earnings, Financials & Key Ratios

AMTB•NASDAQ•Banking & Credit
$25.55
20.3× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutAmerant Bancorp Inc. operates as the bank holding company for Amerant Bank, N.A. that provides banking products and services to individuals and businesses in the United States and internationally. The company offers checking, savings, and money market accounts; and certificates of deposits. It also provides variable and fixed rate commercial real estate loans; loans secured by owner-occupied properties; loans to domestic and foreign individuals primarily secured by personal residence; working capital loans, asset-based lending, participations in shared national credits, purchased receivables, and small business administration loans; loans to financial institutions and acceptances; and consumer loans and overdrafts, such as automobile, personal, or loans secured by cash or securities and revolving credit card agreements. In addition, the company offers trust and estate planning products and services to high-net-worth customers, brokerage and investment advisory services in global capital markets, and wealth management and fiduciary services. Further, it provides debit and credit cards, night depositories, direct deposits, cashier's checks, safe deposit boxes, letters of credit, and treasury management services, including wire transfer, remote deposit capture, and automated clearinghouse services; derivative instruments; and online and mobile banking, account balances, statements and other documents, online transfers and bill payment, and electronic delivery of customer statements services, as well as automated teller machines, and banking by mobile devices, telephone, and mail. As of December 31, 2021, the company operated 24 banking centers comprising 17 in Florida and 7 in Texas. It also operates loan production offices in Tampa, Florida. The company was formerly known as Mercantil Bank Holding Corporation and changed its name to Amerant Bancorp Inc. in June 2019. Amerant Bancorp Inc. was founded in 1979 and is headquartered in Coral Gables, Florida.Show more
  • Net Interest Income$361M+10.7%
  • Total Revenue$655M+14.0%
  • Net Income$52M+432.8%
  • Return on Equity5.73%+395.9%
  • Net Interest Margin3.69%+12.1%
  • Efficiency Ratio47.27%+1.1%
  • ROA0.53%+431.7%
  • Equity / Assets9.6%+6.8%
  • Book Value per Share22.84-8.3%

AMTB Price & Volume

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

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Amerant Bancorp Faces Significant Structural Balance Realignment

Investment Thesis • Updated 2026Q1

VerdictNegative: The bank's fundamental outlook is clouded by a sharp asset contraction and a low 1.9% ROE in 2026Q1
Growth:Mixed
Profitability:Strained
Financial:Vulnerable
Cash Flow:Mixed
Primary Risk:CRE concentration and liquidity

Key Thesis Takeaways

  • Amerant Bancorp is currently undergoing a radical balance sheet contraction, with total assets plummeting from $10.4 billion in 2025Q3 to $2.7 billion in 2026Q1, signaling a pivot away from traditional lending toward a securities-heavy model.
  • While the equity-to-assets ratio has improved to 0.34, the bank's profitability remains strained, evidenced by a 0.3% ROA in 2026Q1 and persistent volatility in its efficiency ratio.
  • Investors should monitor the sustainability of this transition, as the heavy concentration of $2.4 billion in investment securities may limit future core earnings growth.

Verdict Logic

suggesting that the current valuation of 1.11x P/B may not fully account for the risks of its pivot toward a securities-heavy balance sheet.

AMTB Growth Metrics

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

Revenue CAGR

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

Profit CAGR

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

EPS CAGR

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

Return on Capital

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

AMTB Recent Earnings

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

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

Latest AMTB News

Recent stock market news and headlines for Amerant Bancorp Inc. (AMTB)

GlobeNewsWire·1 day ago
AMERANT INVESTMENTS APPOINTS RICARDO SUCRE TO LEAD INTERNATIONAL WEALTH MANAGEMENT BUSINESS DEVELOPMENT

Coral Gables, FL, July 06, 2026 (GLOBE NEWSWIRE) -- Amerant Investments, Inc., a subsidiary of Amerant Bank, announced today that Ricardo Sucre has joined the firm as Head of International Wealth Management Business Development, reinforcing the firm's continued investment in expanding its international wealth management platform. With more than 20 years of experience serving international wealth clients at leading financial institutions, including Morgan Stanley, Sucre will focus on growing Amerant's international wealth business by deepening client relationships and recruiting experienced financial advisors seeking a more integrated platform to serve their clients. Amerant has a long-standing commitment to the international market and offers advisors and clients a differentiated model that combines comprehensive wealth management with the strength of Amerant Bank. Through a single relationship, clients can access brokerage and advisory services, cash management, lending solutions - including securities-based lending - and international banking capabilities designed to address the complex needs of international individuals, families, and business owners. “Our continued investment in international wealth management reflects our confidence in this market and in the value of an integrated client experience,” said Sergio Guerrero, Senior Vice President of Wealth Management, Amerant Investments. “Ricardo's leadership strengthens our ability to attract exceptional advisors while expanding the solutions we deliver to clients. Advisors joining Amerant benefit from a collaborative culture, a holistic wealth and banking platform, and the opportunity to grow through the natural referral ecosystem created by our international banking franchise.” Prior to joining Amerant, Sucre served at Bolton Global Capital and previously spent more than two decades advising international clients at premier global wealth management firms. His extensive experience and deep understanding of cross-border relationships make him well positioned to support Amerant's continued growth. As Amerant Investments continues to expand, the firm remains focused on attracting experienced advisors who value a relationship-driven culture, integrated capabilities, and the ability to deliver comprehensive financial solutions through one connected platform.

Business Wire·Jun 26, 2026
Amerant Bancorp Inc. to Announce Second Quarter 2026 Financial Results and Host Conference Call

CORAL GABLES, Fla.--(BUSINESS WIRE)--Amerant Bancorp Inc. (NYSE: AMTB) (“Amerant” or the “Company”), today announced it will release second quarter 2026 results on Thursday, July 23, 2026, after the market closes. Once released, investors may access Amerant's results at https://investor.amerantbank.com by choosing “Financial Results” under the “Financials Info” heading. On Friday, July 24, 2026, Carlos Iafigliola, President and Chief Executive Officer, and Sharymar Calderón, Senior Executive Vi.

Zacks Investment Research·Jun 25, 2026
Best Value Stocks to Buy for June 25th

JLL, ADM and AMTB made it to the Zacks Rank #1 (Strong Buy) value stocks list on June 25th, 2026.

Zacks Investment Research·Jun 23, 2026
New Strong Sell Stocks for June 23rd

ARR, AMTB and AMPH have been added to the Zacks Rank #5 (Strong Sell) List on June 23rd, 2026.

Peers Comparison

Key metrics vs top competitors for Amerant Bancorp Inc. (AMTB)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
AMTB logoAMTBAmerant Bancorp Inc.Current
$25.55$1.07B20.2813.97%8%5.73%1.09%
OCFC logoOCFCOceanFirst Financial Corp.
$18.96$1.09B16.21-4.7%10.55%4.22%—
BUSE logoBUSEFirst Busey Corporation
$29.22$2.47B19.8857.56%19.16%8.84%—
IBCP logoIBCPIndependent Bank Corporation
$35.76$736.88M10.94-0.3%22.54%14.15%—
SFNC logoSFNCSimmons First National Corporation
$22.75$3.3B-7.71-56.66%-63.53%-10.51%—
INDB logoINDBIndependent Bank Corp.
$84.40$4.07B18.9719.82%19.81%7.01%—

Compare AMTB vs Peers

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

Closest Rival

vs OCFC

Most directly comparable listed peer for AMTB.

Scale Benchmark

vs V

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

Peer Set

Compare Top 5

vs OCFC, BUSE, IBCP, SFNC

AMTB SEC Filings & Documents

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

8-K Announcements

6
Material company update

Apr 23, 2026·SEC

Material company update

Apr 10, 2026·SEC

Material company update

Feb 11, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 27, 2026·SEC

FY 2025

Mar 5, 2025·SEC

FY 2024

Mar 7, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Oct 31, 2025·SEC

FY 2025

Aug 1, 2025·SEC

FY 2025

May 2, 2025·SEC

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AMTB Frequently Asked Questions

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

Growth & Financials
How fast is Amerant Bancorp Inc. growing?

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

Is AMTB profitable?

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

Dividend & Returns
Does AMTB pay dividends?

Yes, Amerant Bancorp Inc. (AMTB) pays a dividend with a yield of 1.09%. This makes it attractive for income-focused investors.

What is AMTB's return on equity?

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

Industry Metrics
What is Amerant Bancorp Inc.'s net interest margin?

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

What is Amerant Bancorp Inc.'s efficiency ratio?

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

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

Total return calculator · dividends reinvested · 10+ years of data

See returns →