Amerant Bancorp Inc. logo

Amerant Bancorp Inc.

AMTB

NYSEFinancial ServicesBanks - Regional

Previous close

$28.69

+$0.25 · +0.88%

Aug 21, 4:00 PM ET

Pre-market

$28.69

$0.00 · 0.00%

Aug 24, 6:07 AM ET

AMTB company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

72

Undervalued

Momentum

60

Neutral

Sentiment

54

Mixed

Risk resilience

71

Moderate Risk

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Company profile

Company website

Amerant 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. The company offers checking, savings, business, and money market accounts; cash management services; and certificates of deposit. It also provides variable and fixed rate commercial real estate loans; owner-occupied; single-family residential; commercial; and 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; retail banking; mortgage; and wealth management and fiduciary services. Further, the company provides debit and credit cards, night depositories, direct deposits, cashier’s checks, safe deposit boxes, letters of credit, 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 ATM, and banking by mobile devices, telephone, and mail. It also operates banking centers. 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.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Carlos Iafigliola
Listed since
Oct 18, 2018
Employees
694

Market position

Day range

Current $28.69

52-week range

Current $28.69

Open
$28.56
Previous close
$28.44
Volume
174.47K
0.52× average
Average volume
332.96K
Average daily volume
Market cap
1.12B USD
Beta
0.84
Market reference 1
50-day average
$26.8022
+7.04% above average
200-day average
$22.6805
+26.50% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
1.37B USD
P/E (TTM)
20.55×
P/B (TTM)
1.23×
P/S (TTM)
1.98×
EV / EBITDA
19.34×
Earnings yield
6.57%
Free cash flow yield
12.27%
Dividend yield
1.25%

Profitability & efficiency

Gross margin
65.04%
Operating margin
12.47%
Net margin
10.80%
Return on equity
5.58%
Return on assets
0.54%
Return on invested capital
1.31%

Financial health

Debt / equity
Current ratio
0.43×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends101%63%25%-14%Gross margin, FY2021: 91.49%Gross margin, FY2022: 77.77%Gross margin, FY2023: 48.57%Gross margin, FY2024: 42.59%Gross margin, FY2025: 57.37%Operating margin, FY2021: 46.80%Operating margin, FY2022: 20.30%Operating margin, FY2023: 7.50%Operating margin, FY2024: -4.19%Operating margin, FY2025: 10.09%Net margin, FY2021: 36.69%Net margin, FY2022: 16.36%Net margin, FY2023: 5.90%Net margin, FY2024: -2.74%Net margin, FY2025: 8.00%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 91.49%. Gross margin FY2022 77.77%. Gross margin FY2023 48.57%. Gross margin FY2024 42.59%. Gross margin FY2025 57.37%. Operating margin FY2021 46.80%. Operating margin FY2022 20.30%. Operating margin FY2023 7.50%. Operating margin FY2024 -4.19%. Operating margin FY2025 10.09%. Net margin FY2021 36.69%. Net margin FY2022 16.36%. Net margin FY2023 5.90%. Net margin FY2024 -2.74%. Net margin FY2025 8.00%.

Income trends

Revenue

655.25M USD+13.97%

Operating income

66.14M USD+90.23M USD

Net income

52.42M USD+68.17M USD
Income trends across reported periods723.18M USD451.45M USD179.71M USD−92.02M USDRevenue, FY2021: 307.75M USDRevenue, FY2022: 387.07M USDRevenue, FY2023: 551.02M USDRevenue, FY2024: 574.93M USDRevenue, FY2025: 655.25M USDOperating income, FY2021: 144.02M USDOperating income, FY2022: 78.58M USDOperating income, FY2023: 41.33M USDOperating income, FY2024: −24.08M USDOperating income, FY2025: 66.14M USDNet income, FY2021: 112.92M USDNet income, FY2022: 63.31M USDNet income, FY2023: 32.49M USDNet income, FY2024: −15.75M USDNet income, FY2025: 52.42M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 307.75M USD. Revenue FY2022 387.07M USD. Revenue FY2023 551.02M USD. Revenue FY2024 574.93M USD. Revenue FY2025 655.25M USD. Operating income FY2021 144.02M USD. Operating income FY2022 78.58M USD. Operating income FY2023 41.33M USD. Operating income FY2024 −24.08M USD. Operating income FY2025 66.14M USD. Net income FY2021 112.92M USD. Net income FY2022 63.31M USD. Net income FY2023 32.49M USD. Net income FY2024 −15.75M USD. Net income FY2025 52.42M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue655.25M USD574.93M USD551.02M USD387.07M USD307.75M USD
Cost of goods sold279.34M USD330.09M USD283.39M USD86.06M USD26.2M USD
Gross profit375.91M USD244.83M USD267.63M USD301.01M USD281.55M USD
Selling, general, and administrative165.88M USD163.15M USD156.92M USD141.73M USD127.39M USD
Operating expenses309.77M USD268.92M USD226.3M USD222.43M USD137.53M USD
Interest income597.43M USD595.59M USD548.58M USD338.78M USD247.84M USD
Interest expense236.74M USD269.63M USD222.12M USD72.11M USD42.7M USD
Depreciation and amortization4.63M USD6.6M USD6.84M USD5.88M USD7.27M USD
Operating income66.14M USD−24.08M USD41.33M USD78.58M USD144.02M USD
Net income52.42M USD−15.75M USD32.49M USD63.31M USD112.92M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
55%
6 beats, 4 misses, 1 met estimate
Average EPS surprise
+12.88%
11 comparable reports
Latest EPS result
0.53
Estimate 0.39 · Beat by 35.03%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.630.490.350.2Q1 '25BeatQ2 '25MissQ3 '25BeatQ4 '25MissQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 22, 2025: actual 0.5, estimate 0.27, surprise +85.19%, Beat. Q2 2025, reported Apr 23, 2025: actual 0.24, estimate 0.4, surprise -40.00%, Miss. Q3 2025, reported Jul 23, 2025: actual 0.57, estimate 0.38, surprise +50.00%, Beat. Q4 2025, reported Oct 28, 2025: actual 0.39, estimate 0.53, surprise -26.42%, Miss. Q1 2026, reported Jan 22, 2026: actual 0.53, estimate 0.355, surprise +49.30%, Beat. Q2 2026, reported Apr 23, 2026: actual 0.44, estimate 0.43, surprise +2.33%, Beat. Q3 2026, reported Jul 23, 2026: actual 0.53, estimate 0.393, surprise +35.03%, Beat. Q4 2026, reported Oct 27, 2026: actual —, estimate 0.59, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates116.66M108.83M101M93.18MQ1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25MissQ1 '26BeatQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 22, 2025: actual 111.32M USD, estimate 100.64M USD, surprise +10.61%, Beat. Q2 2025, reported Apr 23, 2025: actual 104.91M USD, estimate 101.83M USD, surprise +3.02%, Beat. Q3 2025, reported Jul 23, 2025: actual 108.54M USD, estimate 106.73M USD, surprise +1.70%, Beat. Q4 2025, reported Oct 28, 2025: actual 108.51M USD, estimate 110.21M USD, surprise -1.54%, Miss. Q1 2026, reported Jan 22, 2026: actual 112.17M USD, estimate 107.46M USD, surprise +4.38%, Beat. Q2 2026, reported Apr 23, 2026: actual 97.66M USD, estimate 100.75M USD, surprise -3.06%, Miss. Q3 2026, reported Jul 23, 2026: actual 100.74M USD, estimate 98.64M USD, surprise +2.13%, Beat. Q4 2026, reported Oct 27, 2026: actual —, estimate 103.27M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$24.33

15.20% downside
Past 12 months12-month forecastHigh $25.00Average $24.33Low $23.00

Recent analyst actions

5 institutions
Janney Montgomery ScottdowngradeBuyNeutral

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