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Amerant Bancorp Inc.

AMTB Financial Banks Regional

Amerant Bancorp Inc.’s revenue for fiscal 2025 (year ended December 2025) was $676.0 million, up 11.7% from fiscal 2024.

Revenue
−6.05%
EPS
+87.6%
Free cash flow
+137.9%
Total debt
−7.36%

Quarter to September 2026, against a year earlier

29.76 0.22 +0.74%
Market cap
$1.2B
P/E
17.3×
Fwd P/E
13.2×
Dividend yield
1.22%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.14
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — 2 — — 1 — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 8.92%

Capital & Financial Ratios $m

Size
Market Cap 1,150.00
Revenue ttm 633.16
Net income ttm 67.33
Free cash flow ttm 151.29
Net debt Q 495.50
Valuation
P/E 17.26
Forward P/E 13.20
Price / sales 1.82
Forward P/S Powerpack
Price / FCF 7.63
Price / book 1.37
Financial health
Current ratio Q 0.89
Debt / equity Q 1.02
Interest coverage Q —
Growth
Revenue growth Q −6.05% (below 0%: shrinking)
Operating income growth Q +76.27% (above 0%: growing)
EPS, this year +31.21% (at or above 15%: strong)
EPS, next year A +27.75% (at or above 15%: strong)
Revenue, next year A −38.64% (below 0%: weak)
EPS, past 5 yrs —
EPS, next 5 yrs A +23.61% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 60.45%
10-year low 10-year high
P/S against its own 10 years 56.80%
10-year low 10-year high
P/B against its own 10 years 90.23%
10-year low 10-year high

Dividends

Yield
1.22%
Annual rate
0.36
Payout ratio
21.3%
Growth, 2021–26
+43.1%/yr
  1. 0.06 ’21
  2. 0.36 ’22 +500
  3. 0.36 ’23 +0
  4. 0.36 ’24 +0
  5. 0.36 ’25 +0
  6. 0.36 ’26 +0
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 322 590 470 362
Receivables — — — —
Inventory — — — —
Other — — — —
7,747 7,987 7,266 7,515
2023 2024 2025 Q'26
Payables 8,059 8,007 7,915 8,399
ST’ Debt — — — —
Other — — — —
8,059 8,007 7,915 8,399

Compound Annual Growth %

10y 5y 3y
Sales — 15.14% 18.52%
Cash Flow — 19.06% 0.00%
Earnings — 0.00% (6.10%)
Book Value — 3.68% 9.98%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.57 Actual 0.65

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.43 0.53 Beat by 0.10
Q1 FY26 0.43 0.44 Beat by 0.01
Q2 FY26 0.41 0.53 Beat by 0.12
Q3 FY26 0.57 0.65 Beat by 0.08
Q4 FY26 0.65 — Reports 28 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.44 0.53 0.65 — —
’25 0.28 0.55 0.35 0.07 1.26
’24 0.31 0.15 (1.43) 0.40 (0.44)
’23 0.60 0.22 0.66 (0.51) 0.96
’22 0.45 0.23 0.62 0.55 1.85
’21 0.38 0.42 0.45 1.77 3.01
’20 0.08 (0.37) 0.04 0.20 (0.04)
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 150 154 160 — —
’25 166 171 170 169 676
’24 159 166 104 177 605
’23 144 165 161 165 636
’22 79 84 105 138 406
’21 74 77 75 142 368
’20 93 84 82 75 334
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 11 39 57 — —
’25 20 58 23 36 137
’24 3 (2) 4 78 82
’23 (19) 11 49 (14) 27
’22 (12) (37) 17 (17) (49)
’21 7 25 8 27 67
’20 3 24 23 7 57
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 10 39 56 — —
’25 18 56 24 45 143
’24 (1) (4) 3 77 75
’23 (23) 7 48 (16) 16
’22 (14) (39) 13 (20) (60)
’21 6 24 6 158 193
’20 2 22 23 19 65
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 301 345 363 370 334 368 406 636 605 676 633 +9.4% 415 451 475 (11.1%)
Gross margin, % 84.43 81.55 75.13 73.01 78.74 88.41 82.24 65.08 55.47 64.98 66.23 (19.4) pt
EBT 34 77 58 64 (4) 144 79 41 (24) 66 85 +7.7%
EBT margin, % 11.22 22.35 15.85 17.30 (1.30) 39.09 19.35 6.50 (3.98) 9.78 13.50 (1.4) pt
Net income 24 43 46 51 (2) 110 62 31 (16) 52 67 +9.3%
Per share, $
Per share, $ Revenue 7.09 8.12 8.55 8.70 8.00 9.91 11.99 18.98 16.93 16.26 16.17 +9.7%
Earnings 0.55 1.01 1.08 1.21 (0.04) 3.04 1.87 0.97 (0.44) 1.26 1.71 +9.5%
Cash flow 1.77 1.72 1.46 1.84 1.37 1.81 (1.45) 0.80 2.30 3.29 3.68 +7.1%
Capex (0.01) 0.52 (0.21) (0.21) 0.19 3.38 (0.31) (0.31) (0.20) 0.15 0.18 n/m
Free cash flow 1.76 2.25 1.25 1.63 1.56 5.20 (1.77) 0.49 2.10 3.45 3.86 +7.7%
Book value 0.00 17.73 17.59 19.62 18.77 22.38 20.84 21.97 24.90 22.58 21.47 n/m
Shares, m 42 42 42 43 42 37 34 34 36 42 40 (0.2%)
Valuation, ×
Valuation, × P/E 18.81 18.81 12.06 18.01 0.00 11.29 14.22 25.64 0.00 15.61 17.26 13.4
P/S 2.14 2.14 1.52 2.50 1.90 3.49 2.22 1.31 1.32 1.20 1.82 2.0
P/B 1.06 1.06 0.74 1.11 0.81 1.54 1.28 1.13 0.90 0.86 1.37 1.1
EV/Sales 5.67 5.67 4.82 5.76 4.77 5.27 4.11 2.06 1.83 1.70 — 4.2
EV/FCF 27.51 27.51 33.02 30.78 24.45 10.05 (27.91) 80.24 14.79 8.00 — 22.8
Cash, $m
Cash, $m Operating cash flow 75 73 62 78 57 67 (49) 27 82 137 144 +6.9%
Capex 0 22 (9) (9) 8 126 (11) (10) (7) 6 7 n/m
Free cash flow 75 95 53 69 65 193 (60) 16 75 143 151 +7.5%
Balance, $m
Balance, $m Working capital — (166) (75) 57 225 127 60 (311) (19) (648) (885) +18.6%
Net debt 594 1,138 1,198 1,206 958 658 769 476 308 336 495 (6.1%)
Shareholders’ equity — 753 747 835 783 832 706 736 890 939 841 +2.8%
Returns, %
Returns, % ROA 0.56 1.02 0.55 0.64 (0.02) 1.47 0.76 0.34 (0.16) 0.53 0.65 0.0 pt
ROIC 3.56 2.55 1.85 1.96 (0.16) 6.04 3.33 2.13 (1.26) 3.24 4.00 (0.3) pt
ROE 3.23 5.90 6.11 6.49 (0.21) 13.98 8.23 4.51 (1.94) 5.73 7.54 +2.5 pt
People
People Employees — 948 911 829 — 763 692 682 698 694 — (3.8%)
Revenue/emp, $m 0.00 0.36 0.40 0.45 0.00 0.48 0.59 0.93 0.87 0.97 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026

Amerant Bancorp Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
PFBC Preferred Bank $1.2B 9.4× 9.8× −3.71% (below 0%: shrinking) −4.14% (below 0%: shrinking) −33.29% (below 0%: shrinking) 57.05% 0.00% Compare
MCB Metropolitan Bank Holding Corp. $1.2B 11.9× 9.9× +10.67% (above 0%: growing) −12.92% (below 0%: shrinking) −168.73% (below 0%: shrinking) 64.82% 0.00% Compare
HFWA Heritage Financial Corporation $1.2B 14.1× 14.6× +24.60% (above 0%: growing) −17.86% (below 0%: shrinking) +0.66% (above 0%: growing) 79.05% 0.00% Compare
AMTB Amerant Bancorp Inc. $1.2B 17.3× 13.2× −6.05% (below 0%: shrinking) +87.60% (above 0%: growing) +137.85% (above 0%: growing) 68.11% 0.00%
UVSP Univest Corporation of Pennsylvania $1.1B 11.9× 10.5× +2.73% (above 0%: growing) −12.36% (below 0%: shrinking) +47.79% (above 0%: growing) 66.61% 0.00% Compare
NBN Northeast Bancorp $1.1B 9.7× 8.7× +6.35% (above 0%: growing) +34.97% (above 0%: growing) −136.55% (below 0%: shrinking) 62.31% 0.00% Compare
FSBC Five Star Bancorp $1.1B 12.4× 12.5× +21.04% (above 0%: growing) +19.48% (above 0%: growing) +40.75% (above 0%: growing) 65.07% 0.00% Compare
CFFN Capitol Federal Financial $1.1B 13.1× 12.3× +6.50% (above 0%: growing) +35.71% (above 0%: growing) +45.71% (above 0%: growing) 53.81% 0.00% Compare
HBNC Horizon Bancorp (IN) $1.1B — (loss-making) 9.8× −1.83% (below 0%: shrinking) +4.26% (above 0%: growing) +72.88% (above 0%: growing) 75.11% 0.00% Compare
Median of peers $1.1B 11.9× 10.2× +6.43% +0.06% +20.70% 64.95% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 21 April 2026

Ownership

Directors and executive officers, together 2.70%
Wellington Management Group LLP 14.53%
Blackrock, Inc. 7.24%
Patriot Financial Partners III, L.P. 5.93%
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Amerant Bancorp Inc. (AMTB) Latest News

29 Oct

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Impact 3 · · The Motley Fool transcript
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29 Jul

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26 Jul

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24 Jul

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23 Jul

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25 Jun

Impact 3 · · Simply Wall St.

11 Jun

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19 May

Impact 4 · · Business Wire

27 Apr

Impact 4 · · MarketBeat

25 Apr

Impact 4 · · GuruFocus.com

24 Apr

Impact 4 · · Moby
Impact 3 · · Simply Wall St.

23 Apr

Impact 4 · · Zacks
stockrow.com/AMTB · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com