Amerant Bancorp Inc Financials
This page shows Amerant Bancorp Inc (AMTB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 9 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).
Amerant’s recent recovery looks driven less by revenue growth than by funding-cost relief and steadier cash generation.
With revenue nearly unchanged from$595.6M to$597.4M , the FY2025 swing back to profit does not read like a sales-driven rebound. The bigger shift was funding-cost relief: interest expense fell to$236.7M from$269.6M , while operating cash flow also improved, so the earnings recovery looks balance-sheet-led rather than volume-led.
The bank still runs with high leverage: debt-to-equity was 9.4x in FY2025, down from 12.2x in FY2023, which means small changes in spreads can still move shareholder results sharply. That amplification shows up in returns, where ROA of
Cash generation was sturdier than bottom-line profit through the last two years: FY2024 still produced
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). 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's revenue grew a modest 0.3% year-over-year to $597.4M. This slow but positive growth earns a score of 41/100.
Amerant Bancorp Inc has elevated debt relative to equity (D/E of 9.41), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Amerant Bancorp Inc has a free cash flow margin of 21.6%, earning a moderate score of 63/100. The company generates positive cash flow after capital investments, but with room for improvement.
Amerant Bancorp Inc generates a 5.6% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 18/100. This is up from -1.8% the prior year.
Amerant Bancorp Inc passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), 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 $597.4M in revenue in fiscal year 2025. This represents an increase of 0.3% from the prior year.
Amerant Bancorp Inc reported $52.4M in net income in fiscal year 2025. This represents an increase of 432.8% from the prior year.
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.
Cash & Balance Sheet
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.
Amerant Bancorp Inc held $470.2M in cash against $0 in long-term debt as of fiscal year 2025.
Amerant Bancorp Inc had 41M shares outstanding in fiscal year 2025.
Margins & Returns
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.
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.
Capital Allocation
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.
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.
AMTB Income Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $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+3.6% | $146.4M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $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+3.3% | $33.9M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $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+5.3% | $67.1M |
| Income Tax | $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-1109.4% | $1.4M |
| Net Income | $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-1070.5% | $5.0M |
| EPS (Diluted) | $0.44 | N/A | $0.35-36.4% | $0.55+96.4% | $0.28 | N/A | $-1.43-1053.3% | $0.15 |
AMTB Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $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+6.2% | $9.7B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $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+116.5% | $310.3M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 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 | $9.0B+1.7% | $8.8B-6.6% | $9.5B+0.6% | $9.4B+1.6% | $9.3B+2.8% | $9.0B-4.6% | $9.5B+4.8% | $9.0B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $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+23.0% | $734.3M |
| Retained Earnings | $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-8.2% | $620.3M |
AMTB Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $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+279.6% | -$2.3M |
| Capital Expenditures | $776K-85.1% | $5.2M+612.4% | -$1.0M-175.9% | $1.3M-39.4% | $2.2M+179.2% | $792K-50.9% | $1.6M+6.7% | $1.5M |
| Free Cash Flow | $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+167.3% | -$3.9M |
| Investing Cash Flow | -$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+27.7% | -$327.9M |
| Financing Cash Flow | $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+3208.9% | -$19.1M |
| Dividends Paid | $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-0.6% | $3.0M |
| Share Buybacks | $18.7M+43.9% | $13.0M+30.0% | $10.0M+100.0% | $5.0M0.0% | $5.0M | $0-100.0% | $3.1M-30.1% | $4.4M |
AMTB Financial Ratios
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 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%-35.1pp | 3.4% |
| Return on Equity | 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%-6.0pp | 0.7% |
| Return on Assets | 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%-0.5pp | 0.1% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 9.84+0.4 | 9.41-0.6 | 10.02-0.2 | 10.18-0.0 | 10.22+0.1 | 10.12-0.3 | 10.47-1.8 | 12.27 |
| FCF Margin | 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%+4.3pp | -2.6% |
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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.
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 5 out of 9, indicating neutral financial health. 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 20 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.