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Amerant Bancorp Inc.

AMTB

$28.89 ▼ -0.27 (-0.91%) at close

11 Visible periods

34 Metrics

Peer-ranked Benchmarks

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Health

Fair

Neutral

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Analytical Summary

Amerant Bancorp Inc. shows mixed fundamentals. Consider comparing against peers in the Financials sector before making investment decisions.

Market Cap $1.2B

Dividend Yield —

Revenue Growth 30.8% ↗

Op. Margin 15.1% ↗

ROIC None

FCF / Share None

Trailing P/E 22.9x

Price / Book 1.3x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

11-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$439.30M

↑ +30.8% —

Net Income Profit after all expenses

$52.42M

↑ +432.8% —

Operating Margin Operating profit as % of sales

15.1%

↑ +310.0% 67th

Health Breakdown

Profitability ↓

Returns ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.09 Latest / share

+0.0% YoY

-69.1% 3-yr CAGR

FY 2015

FY 2016

$0.94

FY 2017

FY 2018

FY 2019

FY 2020

FY 2021

$0.09

FY 2022

$0.09

FY 2023

FY 2024

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Mar 13, 2018 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Revenue Growth YoY (%)	30.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+413%)	-18.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-414%)	24.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+299%)	2.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-58%)	23.9% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+298%)	-2.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-144%)	-1.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-117%)	-2.9% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-149%)	10.6% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+77%)	—	—
EPS Growth YoY (%)	N/M	N/M	-48.1% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	-38.5% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	12.0% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	6.9% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	83.6% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	N/M	N/M	-48.7% Weak Weak Year-over-year change in net income	-43.9% Weak Weak Year-over-year change in net income	N/M	N/M	12.0% Fair ↓ Fair Declining Year-over-year change in net income	6.4% Fair Fair Year-over-year change in net income	82.6% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	9.6% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	1.0% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	16.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	7.3% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	6.1% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	-2.2% Weak Weak Compound annual revenue growth over 3 years	2.1% Caution Caution Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	10.8% Good ↑ Good Improving Compound annual revenue growth over 5 years	4.4% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	8.7% Good ↑ Good Improving Compound annual revenue growth over 5 years	3.5% Caution Caution Compound annual revenue growth over 5 years	5.1% Fair Fair Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-12.3% Weak Weak Compound annual EPS growth over 3 years	—	—	15.6% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	41.2% Excellent Excellent Compound annual EPS growth over 3 years	—	30.1% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Mar 13, 2018 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Operating Margin (%) (%)	15.1% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-40%)	-7.2% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-129%)	10.0% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-60%)	23.5% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-6%)	44.2% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+77%)	-1.6% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-107%)	—	—	—	—	—
Effective Tax Rate (%) (%)	20.7% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	34.6% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.5% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.2% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.4% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	60.3% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—
Profit Margin (%) (%)	11.9% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-46%)	-4.7% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-121%)	7.8% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-64%)	19.0% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-14%)	34.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+58%)	-0.7% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-103%)	19.0% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-14%)	16.8% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-24%)	15.3% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-30%)	9.3% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-58%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Mar 13, 2018 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	5.6% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-53%)	-1.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-115%)	4.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-63%)	9.0% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-25%)	13.6% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+13%)	-0.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-102%)	6.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-49%)	6.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-49%)	5.7% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-52%)	3.3% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-72%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Mar 13, 2018 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Mar 13, 2018 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Revenue per Share (USD)	$10.57	$9.39	$12.35	$9.86	$8.76	—	—	—	$6.62	$5.98	—
Basic EPS, GAAP (USD)	$1.26	$-0.44	$0.97	$1.87	$3.04	$-0.04	$1.21	$1.08	$1.01	$0.55	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	—	—	$0.09	$0.09	—	—	—	—	$0.94	—	—
Book Value per Share (USD)	$22.58	$24.90	$21.96	$20.84	$23.18	—	—	—	$17.73	$16.59	—
Tangible Book Value per Share (USD)	$22.12	$24.37	$21.39	$20.26	$22.64	—	—	—	$17.28	$16.59	—
Basic Weighted Avg Shares (shares)	41.58M	35.76M	33.51M	33.86M	37.17M	41,737	42,543	42,487	42.49M	42.49M	—
Dividend Payout Ratio (%)	—	—	9.3% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	4.8% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	93.1% Weak Weak Dividends paid as a percentage of earnings Optimal: 30-60%	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Mar 13, 2018 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$938.80M	$890.47M	$736.07M	$705.73M	$831.87M	$783.42M	$834.70M	$747.42M	$753.45M	$704.74M	$682.40M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Mar 13, 2018 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Sales/Revenue/Turnover (USD)	$439.30M	$335.87M	$413.96M	$333.94M	$325.76M	$263.02M	$270.20M	$272.91M	$281.19M	$254.20M	—
Depreciation Expense (USD)	$6.69M	$6.60M	$6.84M	$5.88M	$7.27M	$9.38M	$7.09M	$8.54M	$9.04M	$9.13M	—
Net Income, GAAP (USD)	$52.42M	$-15.75M	$32.49M	$63.31M	$112.92M	$-1.72M	$51.33M	$45.83M	$43.06M	$23.58M	—
Operating Cash Flow (USD)	$136.98M	$82.19M	$26.72M	$-49.16M	$67.43M	$57.25M	$78.39M	$62.16M	$73.28M	$75.27M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Mar 13, 2018 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Net Interest Margin (approx.) (%)	3.7%	3.3%	3.4%	2.9%	2.7%	2.4%	2.7%	2.7%	2.5%	—	—
Efficiency Ratio (%) (%)	75.2%	89.2%	75.2%	72.3%	60.9%	68.0%	77.5%	78.8%	73.8%	78.0%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 11 years · 40 quarters

Amerant Bancorp Inc.

Analytical Summary

11-Year Financial Trajectory

Health Breakdown

Dividend History

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