What is Amerant Bancorp Inc's earnings per share (EPS)?

Amerant Bancorp Inc (AMTB) reported diluted earnings per share of $1.26 for fiscal year 2025. This represents a 386.4% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Amerant Bancorp Inc Financials

AMTB

Trailing 12 months to June 30, 2026

Revenue $568.6M -5.6% YoY

Net Income $56.4M +1433.1% YoY

EPS (Diluted) $1.39 +2085.7% YoY

Free Cash Flow $102.5M -33.3% YoY

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Jul 31, 2026 Currency USD FYE December

Amerant Bancorp Inc (AMTB) reported $568.6M in revenue over the twelve months to Jun 30, 2026, down 5.6% 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).

Rhea AI AMTB FY2025 2026-07-31

FY2025's earnings rebound came mainly from easing funding costs and stronger cash conversion, not from a larger balance sheet.

With revenue essentially flat between FY2024 and FY2025, the swing from -$15.8M to $52.4M of net income tracked both a drop in interest expense from $269.6M to $236.7M and a rise in operating cash flow from $82.2M to $137.0M. That combination points to a spread-and-funding improvement rather than a growth-led recovery or simple balance-sheet expansion.

The balance sheet did not expand to produce the rebound: assets slipped from $9.9B to $9.8B while equity rose. Because liabilities fell at the same time, debt-to-equity improved from 10.1x to 9.4x, leaving a modestly stronger capital cushion after the FY2024 loss year.

Even after recovery, return on assets was only 0.5% on nearly $9.8B of assets, so small funding-cost moves can have an outsized effect on earnings. Free cash flow of $129.2M exceeded dividends of $15.1M, which helps explain why liquidity fell even as reported profit and cash generation improved.

Financial Health Signals

Financial Health Score 30/100

Scored as: Banks peer group

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.

Earnings

Growth

Capital

Efficiency

Credit Quality

Stability

Piotroski F-Score Partial

6/6

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.

Earnings Quality Cash-Backed

2.61x

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

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Earnings & Revenue

Revenue

$597.4M

YoY+0.3%

5Y CAGR+18.1%

Amerant Bancorp Inc generated $597.4M in revenue in fiscal year 2025. This represents an increase of 0.3% from the prior year.

Net Income

$52.4M

YoY+432.8%

Amerant Bancorp Inc reported $52.4M in net income in fiscal year 2025. This represents an increase of 432.8% from the prior year.

EPS (Diluted)

$1.26

YoY+386.4%

Amerant Bancorp Inc earned $1.26 per diluted share (EPS) in fiscal year 2025. This represents an increase of 386.4% from the prior year.

EBITDA

Not reported for fiscal year 2025.

Cash & Balance Sheet

Free Cash Flow

$129.2M

YoY+72.8%

5Y CAGR+20.1%

Amerant Bancorp Inc generated $129.2M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 72.8% from the prior year.

Cash & Debt

$470.2M

YoY-20.4%

5Y CAGR+17.0%

Amerant Bancorp Inc held $470.2M in cash as of fiscal year 2025; long-term debt is not reported for that period.

Shares Outstanding

40M

YoY-4.0%

Amerant Bancorp Inc had 40M shares outstanding in fiscal year 2025. This represents a decrease of 4.0% from the prior year.

Dividends Per Share

Not reported for fiscal year 2025.

Margins & Returns

Net Margin

8.8%

YoY+11.4pp

5Y CAGR+9.4pp

Amerant Bancorp Inc's net profit margin was 8.8% in fiscal year 2025, showing the share of revenue converted to profit. This is up 11.4 percentage points from the prior year.

Return on Equity

5.6%

YoY+7.4pp

5Y CAGR+5.8pp

Amerant Bancorp Inc's ROE was 5.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 7.4 percentage points from the prior year.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Capital Allocation

Share Buybacks

$33.0M

YoY+336.7%

Amerant Bancorp Inc spent $33.0M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 336.7% from the prior year.

Capital Expenditures

$7.7M

YoY+4.6%

5Y CAGR+6.8%

Amerant Bancorp Inc invested $7.7M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 4.6% from the prior year.

R&D Spending

Not reported for fiscal year 2025.

AMTB Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

AMTB quarterly income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16
Revenue	$568.6M	$597.4M+0.3%	$595.6M+8.6%	$548.6M+61.9%	$338.8M+36.7%	$247.8M-4.9%	$260.6M-16.7%	$313.0M+1.2%	$309.4M+13.2%	$273.3M+14.4%	$238.8M
SG&A Expenses	$141.3M	$143.2M+4.5%	$137.1M+2.7%	$133.5M+8.1%	$123.5M+5.0%	$117.6M+5.5%	$111.5M-18.9%	$137.4M-3.1%	$141.8M+7.6%	$131.8M+1.6%	$129.7M
Interest Expense	$221.4M	$236.7M-12.2%	$269.6M+21.4%	$222.1M+208.0%	$72.1M+68.9%	$42.7M-39.9%	$71.0M-28.9%	$99.9M+10.6%	$90.3M+42.0%	$63.6M+35.6%	$46.9M
Income Tax	$14.6M	$13.7M+264.7%	-$8.3M-179.1%	$10.5M-36.6%	$16.6M-50.7%	$33.7M+1390.5%	-$2.6M-120.6%	$12.7M+8.2%	$11.7M-65.5%	$34.0M+232.9%	$10.2M
Net Income	$56.4M	$52.4M+432.8%	-$15.8M-151.2%	$30.8M-50.3%	$62.0M-43.8%	$110.3M+6506.0%	-$1.7M-103.4%	$51.3M+12.0%	$45.8M+6.4%	$43.1M+82.6%	$23.6M
EPS (Diluted)	$1.39	$1.26+386.4%	-$0.44-145.8%	$0.96-48.1%	$1.85-38.5%	$3.01+7625.0%	-$0.04-103.3%	$1.20+11.1%	$1.08+6.9%	$1.01+83.6%	$0.55

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$135.7M+2.0%	$133.0M-9.6%	$147.2M-3.6%	$152.7M+1.1%	$151.1M+3.2%	$146.4M-4.3%	$152.9M+0.8%	$151.6M
SG&A Expenses	$35.4M+10.6%	$32.0M-17.3%	$38.8M+10.4%	$35.1M-2.6%	$36.0M+8.1%	$33.3M-5.5%	$35.3M+0.9%	$35.0M
Interest Expense	$53.1M+0.7%	$52.7M-7.5%	$57.0M-2.7%	$58.6M-3.3%	$60.6M+0.2%	$60.5M-7.3%	$65.3M-7.6%	$70.6M
Income Tax	$6.1M+19.7%	$5.1M+738.5%	-$794K-118.7%	$4.3M-37.4%	$6.8M+95.8%	$3.5M+203.9%	$1.1M+108.3%	-$13.7M
Net Income	$21.0M+17.7%	$17.9M+561.7%	$2.7M-81.7%	$14.8M-35.8%	$23.0M+92.4%	$12.0M-29.2%	$16.9M+135.0%	-$48.2M
EPS (Diluted)	$0.53+20.5%	$0.44+528.6%	$0.07-80.0%	$0.35-36.4%	$0.55+96.4%	$0.28-47.2%	$0.53+137.1%	-$1.43

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.

AMTB Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

AMTB quarterly balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16
Total Assets	$9.8B-1.3%	$9.9B+1.9%	$9.7B+6.4%	$9.1B+19.5%	$7.6B-1.7%	$7.8B-2.7%	$8.0B-1.7%	$8.1B-3.7%	$8.4B	N/A
Cash & Equivalents	$470.2M-20.4%	$590.4M+83.4%	$321.9M+10.8%	$290.6M+6.0%	$274.2M+27.9%	$214.4M+76.7%	$121.3M+41.6%	$85.7M-44.1%	$153.4M+13.7%	$135.0M
Goodwill	$19.2M0.0%	$19.2M0.0%	$19.2M-1.6%	$19.5M0.0%	$19.5M0.0%	$19.5M0.0%	$19.5M+1.6%	$19.2M0.0%	$19.2M	N/A
Total Liabilities	$8.8B-1.9%	$9.0B+0.3%	$9.0B+6.6%	$8.4B+23.7%	$6.8B-2.6%	$7.0B-2.3%	$7.2B-3.1%	$7.4B-4.0%	$7.7B	N/A
Total Equity	$938.8M+5.4%	$890.5M+21.0%	$736.1M+4.3%	$705.7M-15.2%	$831.9M+6.2%	$783.4M-6.1%	$834.7M+11.7%	$747.4M-0.8%	$753.5M+6.9%	$704.7M
Retained Earnings	$619.6M+6.4%	$582.2M-4.7%	$610.8M+3.5%	$590.4M+6.7%	$553.2M+25.0%	$442.4M-0.4%	$444.1M+12.8%	$393.7M+1.5%	$387.8M	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$10.3B+3.9%	$9.9B+1.3%	$9.8B-6.1%	$10.4B+0.7%	$10.3B+1.6%	$10.2B+2.7%	$9.9B-4.4%	$10.4B
Cash & Equivalents	$301.1M+59.6%	$188.7M-59.9%	$470.2M-25.5%	$630.9M-0.9%	$636.8M-1.8%	$648.4M+9.8%	$590.4M-12.1%	$671.8M
Goodwill	$19.2M0.0%	$19.2M0.0%	$19.2M0.0%	$19.2M0.0%	$19.2M0.0%	$19.2M0.0%	$19.2M0.0%	$19.2M
Total Liabilities	$9.4B+4.3%	$9.0B+1.7%	$8.8B-6.6%	$9.5B+0.6%	$9.4B+1.6%	$9.3B+2.8%	$9.0B-4.6%	$9.5B
Total Equity	$914.4M0.0%	$913.9M-2.7%	$938.8M-0.6%	$944.9M+2.2%	$924.3M+2.0%	$906.3M+1.8%	$890.5M-1.4%	$902.9M
Retained Earnings	$651.1M+2.8%	$633.7M+2.3%	$619.6M-0.2%	$620.5M+1.8%	$609.5M+3.3%	$590.3M+1.4%	$582.2M+2.3%	$569.1M

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, 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.

AMTB quarterly cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16
Operating Cash Flow	$109.5M	$137.0M+66.7%	$82.2M+207.6%	$26.7M+154.4%	-$49.2M-172.9%	$67.4M+17.8%	$57.2M-27.0%	$78.4M+26.1%	$62.2M-15.2%	$73.3M-2.6%	$75.3M
Capital Expenditures	$5.0M	$7.7M+4.6%	$7.4M-32.3%	$10.9M+2.9%	$10.6M+61.6%	$6.6M+18.0%	$5.6M-60.9%	$14.3M+42.0%	$10.0M+16.7%	$8.6M+0.8%	$8.5M
Free Cash Flow	$102.5M	$129.2M+72.8%	$74.8M+373.7%	$15.8M+126.4%	-$59.8M-198.2%	$60.9M+17.8%	$51.7M-19.4%	$64.1M+23.1%	$52.1M-19.4%	$64.7M-3.1%	$66.7M
Investing Cash Flow	-$357.8M	-$47.8M+91.7%	-$576.7M+4.9%	-$606.6M+56.6%	-$1.4B-462.6%	$385.3M+34.6%	$286.3M+39.1%	$205.8M-0.3%	$206.5M+2629.1%	$7.6M+102.3%	-$322.2M
Financing Cash Flow	-$87.4M	-$209.4M-127.4%	$763.0M+24.8%	$611.2M-58.2%	$1.5B+472.3%	-$392.9M-56.8%	-$250.5M-0.8%	-$248.6M+26.1%	-$336.4M-439.2%	-$62.4M-125.6%	$243.7M
Dividends Paid	$14.8M	$15.1M+17.8%	$12.8M+6.3%	$12.1M-1.4%	$12.2M	$0	$0	$0-100.0%	$40.0M	$0	$0
Share Buybacks	$58.1M	$33.0M+336.7%	$7.6M+53.2%	$4.9M-93.2%	$72.1M+98.3%	$36.3M	$0	$0-100.0%	$17.9M	$0	$0

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$39.4M+260.4%	$10.9M-70.1%	$36.5M+60.7%	$22.7M-60.6%	$57.6M+185.0%	$20.2M-73.9%	$77.5M+1743.1%	$4.2M
Capital Expenditures	$2K-99.7%	$776K-85.1%	$5.2M+412.4%	-$1.0M-24.1%	$1.3M-39.4%	$2.2M+179.2%	$792K-50.9%	$1.6M
Free Cash Flow	$39.4M+287.9%	$10.1M-67.6%	$31.3M+44.2%	$21.7M-61.5%	$56.3M+212.5%	$18.0M-76.5%	$76.7M+2859.8%	$2.6M
Investing Cash Flow	-$293.6M+33.5%	-$441.5M-197.4%	$453.3M+696.9%	-$75.9M+62.4%	-$202.1M+9.4%	-$223.1M+25.2%	-$298.3M-25.8%	-$237.2M
Financing Cash Flow	$366.7M+145.8%	$149.2M+122.9%	-$650.5M-1476.1%	$47.3M-64.4%	$132.9M-49.0%	$260.9M+87.3%	$139.3M-76.6%	$594.5M
Dividends Paid	$3.6M-2.6%	$3.7M+0.5%	$3.7M-1.7%	$3.8M-0.3%	$3.8M-3.1%	$3.9M+2.8%	$3.8M+25.9%	$3.0M
Share Buybacks	$16.4M-12.6%	$18.7M+43.9%	$13.0M+30.0%	$10.0M+100.0%	$5.0M0.0%	$5.0M	$0-100.0%	$3.1M

AMTB Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

AMTB quarterly financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16
Net Margin	8.8%+11.4pp	-2.6%-8.2pp	5.6%-12.7pp	18.3%-26.2pp	44.5%+45.2pp	-0.7%-17.1pp	16.4%+1.6pp	14.8%-0.9pp	15.8%+5.9pp	9.9%
Return on Equity	5.6%+7.4pp	-1.8%-5.9pp	4.2%-4.6pp	8.8%-4.5pp	13.3%+13.5pp	-0.2%-6.4pp	6.2%0.0pp	6.1%+0.4pp	5.7%+2.4pp	3.4%
Return on Assets	0.5%+0.7pp	-0.2%-0.5pp	0.3%-0.4pp	0.7%-0.8pp	1.4%+1.5pp	0.0%-0.7pp	0.6%+0.1pp	0.6%0.0pp	0.5%	N/A
Debt-to-Equity	9.41-0.7x	10.12-2.1x	12.20+0.3x	11.93+3.8x	8.18-0.7x	8.92+0.4x	8.57-1.3x	9.87-0.3x	10.20	N/A
FCF Margin	21.6%+9.1pp	12.6%+9.7pp	2.9%+20.5pp	-17.6%-42.2pp	24.6%+4.7pp	19.8%-0.7pp	20.5%+3.6pp	16.9%-6.8pp	23.7%-4.3pp	27.9%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Net Margin	15.5%+2.1pp	13.4%+11.6pp	1.8%-7.8pp	9.7%-5.6pp	15.2%+7.1pp	8.2%-2.9pp	11.0%+42.8pp	-31.8%
Return on Equity	2.3%+0.3pp	2.0%+1.7pp	0.3%-1.3pp	1.6%-0.9pp	2.5%+1.2pp	1.3%-0.6pp	1.9%+7.2pp	-5.3%
Return on Assets	0.2%0.0pp	0.2%+0.1pp	0.0%-0.1pp	0.1%-0.1pp	0.2%+0.1pp	0.1%-0.1pp	0.2%+0.6pp	-0.5%
Debt-to-Equity	10.26+0.4x	9.84+0.4x	9.41-0.6x	10.02-0.2x	10.180.0x	10.22+0.1x	10.12-0.3x	10.47
FCF Margin	29.0%+21.4pp	7.6%-13.6pp	21.3%+7.1pp	14.2%-23.0pp	37.2%+24.9pp	12.3%-37.9pp	50.2%+48.5pp	1.7%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

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Where Amerant Bancorp Inc Ranks

Frequently Asked Questions

What is Amerant Bancorp Inc's annual revenue?

Amerant Bancorp Inc (AMTB) reported $597.4M in total revenue for fiscal year 2025. This represents a 0.3% 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 0.3% year-over-year, from $595.6M to $597.4M 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 8.8%.

What is Amerant Bancorp Inc's net profit margin?

Amerant Bancorp Inc (AMTB) had a net profit margin of 8.8% 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.

Does Amerant Bancorp Inc buy back shares?

Yes, Amerant Bancorp Inc (AMTB) spent $33.0M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Amerant Bancorp Inc have outstanding?

Amerant Bancorp Inc (AMTB) had 40M shares outstanding as of fiscal year 2025.

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 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 30 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.