Amerant Bancorp Inc. (AMTB) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 13, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Jul 31, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the AMTB SEC filings page.
Amerant Bancorp Inc. (AMTB) reported $422.0M in revenue over the twelve months to Jun 30, 2026, up 17.1% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 10 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
FY2025 recovery came with stronger cash generation and a less leveraged balance sheet, but returns remain modest for its asset base.
The earnings recovery was accompanied by operating cash flow of$137M and free cash flow of$129M , indicating that reported profitability was supported by cash generation rather than standing alone. From FY2024 to FY2025, liabilities fell while equity rose, taking reported debt-to-equity from 10.1x to 9.4x; the improvement therefore included balance-sheet repair, not just an earnings rebound.
Net margin volatility is the defining earnings pattern: it moved from
With assets still near
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Amerant Bancorp Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Amerant Bancorp Inc. earned a return on assets of 0.5% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from -0.2% the prior year. Earnings ranks banks on that return over three years, and Amerant Bancorp Inc. scores 22/100 among other banks.
Amerant Bancorp Inc. reported revenue of $439.3M in fiscal year 2025, against $335.9M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Amerant Bancorp Inc. scores 27/100 among other banks.
Amerant Bancorp Inc. funded 9.6% of its assets with shareholders' equity at the end of fiscal year 2025, holding $938.8M of equity against $9.8B of assets. Capital ranks banks on that cushion, and Amerant Bancorp Inc. scores 24/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Amerant Bancorp Inc. scores 17/100 on it among other banks.
Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Amerant Bancorp Inc. scores 13/100 on it among other banks.
Amerant Bancorp Inc. reported net income of $52.4M in fiscal year 2025, against a loss of $15.8M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Amerant Bancorp Inc. scores 22/100 among other banks.
Amerant Bancorp Inc. passes 6 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Amerant Bancorp Inc. generates $2.61 in operating cash flow ($137.0M OCF vs $52.4M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Amerant Bancorp Inc. generated $100.7M in revenue in Q2 2026. This represents a decrease of 8.6% from the same quarter a year earlier. Against the prior quarter it is up 3.1%.
Amerant Bancorp Inc. reported $21.0M in net income in Q2 2026. This represents a decrease of 8.5% from the same quarter a year earlier. Against the prior quarter it is up 17.7%.
Amerant Bancorp Inc. earned $0.53 per diluted share (EPS) in Q2 2026. This represents a decrease of 3.6% from the same quarter a year earlier. Against the prior quarter it is up 20.5%.
Not reported for Q2 2026.
Cash & Balance Sheet
Amerant Bancorp Inc. generated $39.4M in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 30.0% from the same quarter a year earlier. Against the prior quarter it is up 287.9%.
Amerant Bancorp Inc. held $301.1M in cash as of Q2 2026; long-term debt is not reported for that period.
Amerant Bancorp Inc. paid $0.09 per share in dividends in Q2 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.
Margins & Returns
Amerant Bancorp Inc.'s net profit margin was 20.9% in Q2 2026, showing the share of revenue converted to profit. That is unchanged from the same quarter a year earlier. Against the prior quarter it is up 2.6 percentage points.
Amerant Bancorp Inc.'s ROE was 2.3% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 0.2 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.3 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
Amerant Bancorp Inc. spent $16.4M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 227.2% from the same quarter a year earlier. Against the prior quarter it is down 12.6%.
Amerant Bancorp Inc. invested $2K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 99.9% from the same quarter a year earlier. Against the prior quarter it is down 99.7%.
Not reported for Q2 2026.
AMTB Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $100.7M-8.6% | $97.7M-7.4% | $112.2M+0.8% | $111.4M+234.5% | $110.3M+11.6% | $105.4M+14.0% | $111.3M+9.9% | $33.3M-66.8% |
| SG&A Expenses | $35.4M-1.6% | $32.0M-3.9% | $38.8M+9.8% | $35.1M+0.3% | $36.0M+6.4% | $33.3M+1.2% | $35.3M+6.8% | $35.0M+11.6% |
| Interest Expense | $53.1M-12.4% | $52.7M-12.8% | $57.0M-12.6% | $58.6M-17.1% | $60.6M-9.6% | $60.5M-9.2% | $65.3M+2.2% | $70.6M+16.2% |
| Income Tax | $6.1M-10.7% | $5.1M+46.1% | -$794K-169.5% | $4.3M+131.0% | $6.8M+399.6% | $3.5M+19.9% | $1.1M+138.4% | -$13.7M-316.6% |
| Net Income | $21.0M-8.5% | $17.9M+49.5% | $2.7M-84.0% | $14.8M+130.6% | $23.0M+363.5% | $12.0M+13.2% | $16.9M+189.7% | -$48.2M-317.7% |
| EPS (Basic) | $0.54-1.8% | $0.44+57.1% | $0.07-86.8% | $0.35+124.5% | $0.55+266.7% | $0.28-12.5% | $0.53+203.9% | -$1.43-316.7% |
| EPS (Diluted) | $0.53-3.6% | $0.44+57.1% | $0.07-86.8% | $0.35+124.5% | $0.55+266.7% | $0.28-9.7% | $0.53+203.9% | -$1.43-316.7% |
| Diluted Shares (Avg) | 40M-5.6% | 41M-4.0% | N/A | 42M+23.6% | 42M+24.0% | 42M+24.7% | N/A | 34M+0.3% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
AMTB Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $10.3B-0.4% | $9.9B-2.6% | $9.8B-1.3% | $10.4B+0.6% | $10.3B+6.0% | $10.2B+3.6% | $9.9B+1.9% | $10.4B+10.8% |
| Cash & Equivalents | $301.1M-52.7% | $188.7M-70.9% | $470.2M-20.4% | $630.9M-6.1% | $636.8M+105.2% | $648.4M-1.7% | $590.4M+83.4% | $671.8M+117.5% |
| Short-Term Investments | $0-100.0% | $7.3M+4.1% | $7.2M+4.2% | $7.2M+4.2% | $7.1M+4.5% | $7.0M+4.6% | $6.9M+14.2% | $6.9M+14.1% |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | $19.2M0.0% | $19.2M0.0% | $19.2M0.0% | $19.2M0.0% | $19.2M0.0% | $19.2M0.0% | $19.2M0.0% | $19.2M-6.5% |
| Total Liabilities | $9.4B-0.3% | $9.0B-3.0% | $8.8B-1.9% | $9.5B+0.2% | $9.4B+4.4% | $9.3B+2.0% | $9.0B+0.3% | $9.5B+9.6% |
| Total Equity | $914.4M-1.1% | $913.9M+0.8% | $938.8M+5.4% | $944.9M+4.7% | $924.3M+25.9% | $906.3M+22.8% | $890.5M+21.0% | $902.9M+25.4% |
| Retained Earnings | $651.1M+6.8% | $633.7M+7.4% | $619.6M+6.4% | $620.5M+9.0% | $609.5M-1.7% | $590.3M-4.5% | $582.2M-4.7% | $569.1M-9.8% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
AMTB Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $39.4M-31.7% | $10.9M-46.0% | $36.5M-53.0% | $22.7M+439.5% | $57.6M+2559.0% | $20.2M+624.6% | $77.5M+643.6% | $4.2M-91.4% |
| Depreciation & Amortization | $1.5M-5.1% | $1.5M-4.5% | $2.1M+18.8% | $1.5M-14.4% | $1.6M-6.1% | $1.6M+7.5% | $1.7M+17.2% | $1.7M-3.2% |
| Stock-Based Compensation | N/A | $658K-16.7% | N/A | N/A | N/A | $790K-51.7% | N/A | N/A |
| Capital Expenditures | $2K-99.9% | $776K-64.9% | $5.2M+558.0% | -$1.0M-37.0% | $1.3M-11.4% | $2.2M-36.5% | $792K-69.7% | $1.6M+50.8% |
| Free Cash Flow | $39.4M-30.0% | $10.1M-43.6% | $31.3M-59.3% | $21.7M+736.1% | $56.3M+1559.5% | $18.0M+2693.5% | $76.7M+554.6% | $2.6M-94.6% |
| Investing Cash Flow | -$293.6M-45.3% | -$441.5M-97.9% | $453.3M+251.9% | -$75.9M+68.0% | -$202.1M+38.4% | -$223.1M-177.8% | -$298.3M+20.4% | -$237.2M-1205.4% |
| Financing Cash Flow | $366.7M+175.8% | $149.2M-42.8% | -$650.5M-566.9% | $47.3M-92.0% | $132.9M+795.2% | $260.9M+440.4% | $139.3M-65.3% | $594.5M+388.0% |
| Dividends Paid | $3.6M-4.0% | $3.7M-4.5% | $3.7M-2.4% | $3.8M+25.0% | $3.8M+24.6% | $3.9M+29.0% | $3.8M+25.7% | $3.0M-0.4% |
| Share Buybacks | $16.4M+227.2% | $18.7M+274.2% | $13.0M | $10.0M+221.8% | $5.0M+12.4% | $5.0M | $0 | $3.1M+14.8% |
AMTB Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 20.9%0.0pp | 18.3%+7.0pp | 2.4%-12.8pp | 13.2% | 20.9%+15.8pp | 11.3%-0.1pp | 15.2%+33.7pp | -144.6% |
| Return on Equity | 2.3%-0.2pp | 2.0%+0.6pp | 0.3%-1.6pp | 1.6%+6.9pp | 2.5%+1.8pp | 1.3%-0.1pp | 1.9%+4.5pp | -5.3%-8.4pp |
| Return on Assets | 0.2%0.0pp | 0.2%+0.1pp | 0.0%-0.1pp | 0.1%+0.6pp | 0.2%+0.2pp | 0.1%0.0pp | 0.2%+0.4pp | -0.5%-0.7pp |
| Debt-to-Equity | 10.26+0.1x | 9.84-0.4x | 9.41-0.7x | 10.02-0.4x | 10.18-2.1x | 10.22-2.1x | 10.12-2.1x | 10.47-1.5x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.000.0x |
| FCF Margin | 39.1%-11.9pp | 10.4%-6.7pp | 27.9%-41.1pp | 19.4%+11.7pp | 51.0%+54.9pp | 17.1%+17.8pp | 68.9%+85.6pp | 7.8%-39.7pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Amerant Bancorp Inc. AMTB | FY2025 | $439.3M | $52.4M | 11.9% | $1.1B | 21/100 |
| Community Trust Bancorp Inc CTBI | FY2025 | $282.6M | $98.1M | 34.7% | $1.4B | 65/100 |
| Southside Bancshares, Inc. SBSI | FY2025 | $237.0M | $69.2M | 29.2% | $903.2M | 52/100 |
| Capitol Federal Financial, Inc. CFFN | FY2025 | $201.0M | $68.0M | 33.8% | $1.0B | 44/100 |
| First Mid Bancshares, Inc. FMBH | FY2025 | $349.2M | $91.7M | 26.3% | $1.3B | 50/100 |
Where Amerant Bancorp Inc. Ranks
Frequently Asked Questions
What is Amerant Bancorp Inc.'s annual revenue?
Amerant Bancorp Inc. (AMTB) reported $439.3M in total revenue for fiscal year 2025. This represents a 30.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Amerant Bancorp Inc.'s revenue growing?
Amerant Bancorp Inc. (AMTB) revenue grew by 30.8% year-over-year, from $335.9M to $439.3M in fiscal year 2025.
Is Amerant Bancorp Inc. profitable?
Yes, Amerant Bancorp Inc. (AMTB) reported a net income of $52.4M in fiscal year 2025, with a net profit margin of 11.9%.
What is Amerant Bancorp Inc.'s net profit margin?
Amerant Bancorp Inc. (AMTB) had a net profit margin of 11.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Amerant Bancorp Inc.'s return on equity (ROE)?
Amerant Bancorp Inc. (AMTB) has a return on equity of 5.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Amerant Bancorp Inc.'s free cash flow?
Amerant Bancorp Inc. (AMTB) generated $129.2M in free cash flow during fiscal year 2025. This represents a 72.8% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Amerant Bancorp Inc.'s operating cash flow?
Amerant Bancorp Inc. (AMTB) generated $137.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Amerant Bancorp Inc.'s total assets?
Amerant Bancorp Inc. (AMTB) had $9.8B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Amerant Bancorp Inc.'s capital expenditures?
Amerant Bancorp Inc. (AMTB) invested $7.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Amerant Bancorp Inc.'s debt-to-equity ratio?
Amerant Bancorp Inc. (AMTB) had a debt-to-equity ratio of 9.41 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Amerant Bancorp Inc.'s return on assets (ROA)?
Amerant Bancorp Inc. (AMTB) had a return on assets of 0.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Amerant Bancorp Inc.'s P/E ratio?
Amerant Bancorp Inc. (AMTB) trades at 20.2x earnings, its market capitalization divided by net income of $56.4M net income, trailing 12 months to June 30, 2026. The market capitalization is $1.1B as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Amerant Bancorp Inc.'s price-to-sales ratio?
Amerant Bancorp Inc. (AMTB) trades at 2.7x sales, its market capitalization divided by revenue of $422.0M revenue, trailing 12 months to June 30, 2026. The market capitalization is $1.1B as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Amerant Bancorp Inc.'s Piotroski F-Score?
Amerant Bancorp Inc. (AMTB) has a Piotroski F-Score of 6 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Amerant Bancorp Inc.'s earnings high quality?
Amerant Bancorp Inc. (AMTB) has an earnings quality ratio of 2.61x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Amerant Bancorp Inc.?
Amerant Bancorp Inc. (AMTB) scores 21 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.