Amerant Bancorp Inc.
- Open
- 26.14
- Day high
- 26.32
- Day low
- 25.66
- Prev close
- 26.18
- Volume
- 388K
- Mkt cap
- $1.0B
- P/E (TTM)
- 18.3
- EPS (TTM)
- $1.41
- P/B
- 1.1
- P/S
- 1.6
- Yield
- 1.40%
- Per share
- $0.36
- ▲Insiders net buying $20K over the last 3 months (1 open-market buy, 0 sales)
- 🏛Institutions accumulating (13F)
Amerant Bancorp Inc. (AMTB) is a Financial Services company listed on NYSE. The stock is up 30% over the past year. Over the trailing 3 months, insiders filed 1 open-market buy and 0 sales (SEC Form 4).
Amerant Bancorp Inc. (AMTB) financials & analyst ratings
Fundamentals (TTM)
Analyst consensus · 2 analysts
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
AMTB earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 24, 2026 | $0.43 | $0.44 | +2.3% | $98M | -3.1% |
| Jan 22, 2026 | $0.43 | $0.53 | +23.3% | $97M | -9.4% |
| Jul 23, 2025 | $0.38 | $0.57 | +50.0% | $109M | +2.3% |
| Apr 23, 2025 | $0.40 | $0.24 | -40.0% | $105M | +3.2% |
| Jan 22, 2025 | $0.38 | $0.50 | +31.6% | $85M | -16.0% |
| Oct 23, 2024 | $0.23 | $0.27 | +17.4% | $102M | +3.7% |
| Jul 24, 2024 | $0.35 | $0.28 | -20.0% | $97M | +3.3% |
| Jan 24, 2024 | $0.46 | $0.46 | +0.0% | $121M | +32.6% |
| Oct 19, 2023 | $0.59 | $0.66 | +11.9% | $88M | -9.6% |
| Jul 20, 2023 | $0.20 | $0.22 | +10.0% | $97M | -0.2% |
| Apr 20, 2023 | $0.69 | $0.60 | -13.0% | $87M | -11.0% |
| Jan 19, 2023 | $0.70 | $0.40 | -42.9% | $87M | -3.6% |
AMTB insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Jun 18, 2026 | Nursey Michael E.officer: See remarks | Option | 1,343 | — |
| Jun 18, 2026 | Nursey Michael E.officer: See remarks | Tax | 328 | $23.23 |
| Jun 10, 2026 | Fleitas Armandoofficer: EVP, Chief Accounting Officer | Grant | 1,093 | — |
| Jun 4, 2026 | Almeida Odilondirector | Grant | 2,885 | — |
| Jun 4, 2026 | Suarez Oscardirector | Grant | 2,885 | — |
| Jun 4, 2026 | Lutoff-Perlo Lisadirector | Grant | 2,885 | — |
| Jun 4, 2026 | Knight Erin D.director | Grant | 2,885 | — |
| Jun 4, 2026 | Rucker Ashakidirector | Grant | 2,885 | — |
| Jun 4, 2026 | KOPNISKY JACK Ldirector | Grant | 2,885 | — |
| Jun 4, 2026 | Wilson Millardirector | Grant | 2,885 | — |
| Jun 4, 2026 | Quill John Waltondirector | Grant | 2,885 | — |
| Jun 4, 2026 | Marturet M. Gustavodirector | Grant | 2,885 | — |
| Jun 4, 2026 | MORRISON PATRICIAdirector | Grant | 2,885 | — |
| May 13, 2026 | Fleitas Armandoofficer: EVP, Chief Accounting Officer | Option | 834 | — |
| May 13, 2026 | Fleitas Armandoofficer: EVP, Chief Accounting Officer | Tax | 204 | $23.09 |
Source: AMTB SEC Form 4 filings, latest Jun 18, 2026. For informational purposes only — not investment advice.
See the full AMTB insider & 13F page →Amerant Bancorp Inc. company profile
Overview
Amerant Bancorp Inc. (NASDAQ:AMTB) is a regional bank holding company founded in 1979 and headquartered in Coral Gables, Florida. Originally known as Mercantil Bank Holding Corporation, the company rebranded to Amerant in June 2019 and went public in October 2018. The company operates through its primary subsidiary, Amerant Bank, N.A., providing traditional banking services across Florida and Texas markets, with a particular focus on serving both domestic and international customers in South Florida's diverse business community.
Business
Amerant operates as a regional commercial bank serving individuals, businesses, and high-net-worth clients primarily in Florida and Texas. The banking industry involves accepting customer deposits and lending those funds to borrowers at higher interest rates, earning profit from the interest rate spread. Banks also generate fee income from various services and act as financial intermediaries in the economy. The company's core offerings include traditional deposit products such as checking accounts, savings accounts, money market accounts, and certificates of deposit. These products allow customers to safely store money while earning interest, with the bank using these deposits as funding sources for loans. On the lending side, Amerant provides commercial real estate loans secured by income-producing properties, residential mortgages for home purchases, commercial and industrial loans for business operations and equipment, and consumer loans including auto loans and personal credit lines. The bank also offers Small Business Administration (SBA) loans which are partially government-guaranteed, reducing credit risk. Beyond traditional banking, Amerant provides wealth management services including trust and estate planning, brokerage services, and investment advisory services for affluent clients. The bank also offers treasury management services such as wire transfers, remote deposit capture, automated clearinghouse services, and cash management solutions for business customers. The company operates approximately 24 banking centers, with 17 locations in Florida and 7 in Texas, along with loan production offices. Amerant has been strategically focusing on expanding its Florida presence while maintaining its Texas operations.
Revenue model
Amerant generates revenue primarily through net interest income - the difference between interest earned on loans and investments versus interest paid on deposits and borrowings. This spread, measured as net interest margin, has been running around 3.75% in recent quarters. The bank's customers are businesses, individuals, and high-net-worth clients who need banking services, with the bank earning higher rates on loans (around 7% yield) while paying lower rates on deposits. The company also generates non-interest income through fees for services including wealth management, treasury management, loan origination fees, deposit account fees, and credit card interchange income. This fee income provides diversification beyond pure interest rate spread business. Several factors influence Amerant's profitability margins. Rising interest rates generally benefit banks initially as loan yields increase faster than deposit costs, though prolonged high rates can hurt loan demand and increase credit losses. Credit quality significantly impacts margins, as loan losses directly reduce profitability - the bank has been managing elevated charge-offs around 70 basis points, expecting normalization to 30 basis points. Deposit competition affects funding costs, with the bank targeting a 40-45 basis point beta on deposit repricing. Loan demand influences growth and utilization of the bank's capital, while regulatory capital requirements limit leverage and growth potential. The bank's efficiency ratio around 60% indicates operational leverage, where expense management relative to revenue growth drives profitability improvements.
Competitive moat
Amerant's competitive moat is relatively modest as a regional bank in a highly competitive industry. The company's primary advantages include its established market presence in South Florida, particularly serving the international business community with bilingual capabilities and cross-border banking expertise. This specialization in serving Latin American businesses and high-net-worth individuals provides some differentiation from larger national banks. The bank benefits from regulatory barriers to entry that make starting new banks difficult and expensive, providing some protection from new competition. Additionally, customer relationships in banking tend to have moderate switching costs due to the inconvenience of changing financial institutions and established credit relationships. However, Amerant faces significant competitive pressures from larger national banks with greater resources, technology capabilities, and economies of scale. Major banks like JPMorgan Chase, Bank of America, and Wells Fargo operate extensively in Amerant's markets with superior digital platforms and broader product offerings. Community banks also compete aggressively for local relationships, while fintech companies increasingly threaten traditional banking services with more convenient digital solutions. The bank's moat is further limited by the commoditized nature of basic banking products, where interest rates and fees are easily comparable. Credit unions also provide competition with tax advantages. Amerant's scale at $10 billion in assets provides some operational efficiency but lacks the technology investment capabilities of much larger institutions, making the competitive position somewhat vulnerable to digital disruption.
Risks & safety
Amerant presents moderate financial risk with some concerning credit trends but adequate capital levels. • Solvency and Capital: Total assets of $10.2 billion with $906 million in shareholder equity provide a solid capital base. Debt-to-equity ratio of 1.08 is reasonable for a bank. Tier 1 capital ratios appear adequate based on regulatory requirements. • Credit Quality Concerns: Nonperforming loans increased to 152 basis points with classified loans rising 24% to $206 million. Provision for credit losses elevated at $18.4 million in Q1 2025, indicating management's concern about asset quality deterioration. • Profitability Pressure: Net income declined to $12 million in Q1 2025 from $16.9 million in Q4 2024. Return on equity of only 1.7% is well below acceptable banking standards. Charge-offs running at 70 basis points, well above the targeted 30 basis points. • Valuation Metrics: Trading at 0.96x book value suggests market skepticism about asset quality. Price-to-earnings ratio of 14x appears reasonable but may not reflect credit risk adequately. • Liquidity: Strong deposit base of $8.2 billion provides stable funding, though loan-to-deposit ratio approaching 95% target limits flexibility.
Recent development
Over the past few years, Amerant has undergone significant strategic transformation focused on geographic consolidation and operational efficiency. The company completed the sale of its Houston multifamily loan portfolio and Houston banking franchise, allowing management to concentrate resources on Florida market expansion where it sees better growth opportunities. The bank has been aggressively expanding in Florida, opening new banking centers in downtown Miami, with additional locations planned for Miami Beach, Palm Beach, and Tampa. Management hired new market presidents for Palm Beach and Central Florida while adding a Broward County market president, signaling serious commitment to Florida growth. Leadership restructuring has been extensive, with new hires including Chief Credit Officer Jeff Tichler, Chief Consumer Banking Officer Braden Smith, Head of Treasury Management Steven Putnam, and Head of Enterprise Risk Management Vida Singh. This suggests management recognition of operational and credit management needs. The company completed a major technology upgrade with its FIS core system conversion and continues digital transformation efforts under "Project Harmony." Additionally, Amerant repositioned its investment portfolio and raised $155.8 million through a public offering to strengthen capital. Credit management has become a key focus area, with increased provisions and proactive monitoring as the bank works through elevated nonperforming loans. Management expects credit normalization by early 2025, though this remains to be proven in execution.
AMTB company profile · for informational purposes only — not investment advice.
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