Amerant Bancorp Stock Price, News & Analysis

Amerant Bancorp Inc. (NYSE: AMTB) is a bank holding company in the commercial banking industry, operating in the finance and insurance sector. According to company disclosures, Amerant Bancorp Inc. is headquartered in Coral Gables, Florida and has been based there since 1979. The company conducts its banking activities primarily through its main subsidiary, Amerant Bank, N.A., and also operates a subsidiary, Amerant Investments, Inc.

Amerant Bancorp, through Amerant Bank, provides deposit, credit and wealth management services to individuals and businesses. The bank has operated for over 45 years and maintains a network of banking centers in Florida. Public filings and press releases state that the bank operates 22 banking centers, with 20 in South Florida and 2 in Tampa, Florida. The bank also notes that it serves clients both across South Florida and in the Tampa region.

The company’s own description and prior summaries indicate that, through its bank, it offers deposit, credit, investment, wealth management and fiduciary services to individuals and businesses, both in the United States and to select international customers. Amerant Bank provides banking services through traditional channels such as banking centers and ATMs, as well as via secure websites, mobile devices and telephones.

Business model and operations

Amerant Bancorp Inc. operates as a regulated bank holding company. Its primary source of activity is Amerant Bank, N.A., which focuses on providing banking products and services to retail and commercial customers. Company materials describe a mix of deposit services, credit products and wealth management offerings. In addition, Amerant Investments, Inc. supports the group’s investment-related activities.

The bank’s network of 22 banking centers is concentrated in Florida, with a significant presence in South Florida and a growing footprint in Tampa. Recent press releases highlight new banking centers in locations such as Miami Beach, Bay Harbor Islands, Downtown Tampa, West Palm Beach, and other parts of South Florida, reflecting an emphasis on serving residents, professionals and local businesses in these markets.

Geographic focus and market presence

Amerant Bank describes itself as “Florida’s bank of choice” with a presence across South Florida and Tampa, Florida. The bank emphasizes serving clients in high-growth and relationship-driven markets, including communities such as Miami Beach, Bay Harbor Islands, Downtown Miami, Fort Lauderdale (Las Olas Boulevard), West Palm Beach and the greater Tampa Bay region. The company notes that it has been serving clients in these areas for over 45 years and that it is rooted in the communities it serves, supporting numerous non-profit and community organizations.

Amerant’s public communications also reference partnerships and community initiatives in Florida, such as a reusable bag program with Sedano’s Supermarkets and Fresco y Más to support Centro Mater, a local children’s charity. These activities are presented by the company as part of its community engagement and support for educational and social services for local families.

Services and delivery channels

According to company descriptions, Amerant Bancorp’s banking subsidiary offers:

• Deposit services for individuals and businesses.
• Credit services, which include lending activities.
• Wealth management services, supported by Amerant Investments, Inc.
• Investment and fiduciary services, as referenced in prior company summaries.

The bank delivers these services through a combination of physical banking centers and digital channels. It reports providing banking services through traditional branches and ATMs, as well as secure websites, mobile devices and telephones. This combination allows customers to access services in person in South Florida and Tampa, or remotely through the bank’s digital platforms.

Regulatory filings and financial reporting

Amerant Bancorp Inc. is incorporated in Florida and files periodic and current reports with the U.S. Securities and Exchange Commission (SEC) under Commission File Number 001-38534. The company uses Form 8-K filings to report material events such as financial results, executive transitions, asset sales and investor presentations. For example, recent 8-K filings reference quarterly earnings releases, slide presentations on credit and asset quality, and an asset sale agreement involving certain loans held by Amerant Bank.

The company also reports key financial and operating data in its earnings releases, including total assets, loans, deposits, capital ratios, asset quality indicators, and non-GAAP measures such as pre-provision net revenue and core pre-provision net revenue. These disclosures are intended to provide investors with additional context on profitability, capital and asset quality beyond standard GAAP metrics.

Corporate governance and leadership changes

Amerant Bancorp’s SEC filings document changes in senior leadership and board roles. In one Form 8-K, the company reported that its Board of Directors and its then President and Chief Executive Officer agreed that he would step down, and that Carlos Iafigliola, previously Senior Executive Vice President and Chief Operating Officer, was appointed Interim Chief Executive Officer effective November 5, 2025. Subsequent 8-K/A filings describe compensation arrangements for the Interim CEO and the appointment and compensation of an Interim Chief Operating Officer.

Another 8-K/A filing details a separation agreement with a former Senior Executive Vice-President and Chief Commercial Banking Officer, including severance terms and related covenants. These disclosures illustrate the company’s practice of reporting executive transitions, compensation arrangements and related agreements in its current reports.

Branch expansion and community positioning

Press releases issued by Amerant Bank describe an ongoing expansion of its physical footprint in Florida. The bank has announced the opening of new banking centers in:

• Miami Beach, its first banking center in that community, located on a prominent local corridor.
• Bay Harbor Islands, a banking center designed to serve residents, professionals and local businesses in a waterfront community.
• Downtown Tampa, its second banking center in the greater Tampa area, following an earlier location in the Westshore District.

These announcements describe the new locations as offering access to Amerant’s banking and financial services and emphasize a relationship-focused approach to serving clients where they live and work. The bank also notes that it supports numerous non-profit and community organizations and has been recognized as a Most Loved Workplace® by Best Practice Institute in multiple years.

Stock listing and investor communications

Amerant Bancorp Inc.’s common stock trades on the New York Stock Exchange under the ticker symbol AMTB. The company communicates with investors through earnings releases, conference calls and webcasts, as well as slide presentations furnished on Form 8-K. Press releases describe regular quarterly earnings calls hosted by members of senior management to discuss financial and operating results.

In addition, the company has reported declaring cash dividends on its common stock in board meetings, with details such as per-share amounts and record and payment dates disclosed in its press releases and related 8-K filings.

Risk management and asset quality focus

Amerant Bancorp’s earnings releases and investor materials reference a focus on asset quality, risk management and operational efficiency. In discussing quarterly results, the company has highlighted pre-provision net revenue, provisions for credit losses, non-performing assets, allowance for credit losses and related ratios. Management commentary in these releases has referred to efforts to address asset quality, manage non-performing loans and implement expense reductions.

Additional 8-K filings indicate that the company periodically furnishes slide presentations providing updates on credit and asset quality. These materials are made available to investors and are referenced in Regulation FD disclosures.

Use of non-GAAP financial measures

Amerant Bancorp’s earnings releases explain that the company supplements GAAP financial results with non-GAAP measures such as pre-provision net revenue, core pre-provision net revenue, core noninterest income, core noninterest expense, core net income, core earnings per share, core return on assets, core return on equity, core efficiency ratio and tangible stockholders’ equity per common share. The company states that these measures are used both internally and in communications with shareholders and the investment community, and that reconciliations to GAAP measures are provided in its exhibits.

Summary

According to its public disclosures, Amerant Bancorp Inc. is a Florida-based bank holding company whose main operating subsidiary, Amerant Bank, N.A., has operated for more than four decades. The company focuses on providing deposit, credit and wealth management services to individuals and businesses, with a network of banking centers concentrated in South Florida and Tampa. Through SEC filings and press releases, Amerant Bancorp provides investors with information on its financial performance, asset quality, capital, executive leadership changes and branch expansion activities.