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Financials · AMTB

Amerant Bancorp Inc. (AMTB) financials

For the twelve months ended Sep 30, 2026, Amerant Bancorp Inc. reported $419.37M of revenue and $67.33M of net income.

Revenue, TTM
$419.37M
Revenue growth, YoY
-4.4%
Net income, TTM
$67.33M
Net income growth, YoY
+1.1%
Net margin
16.1%
Free cash flow, TTM
$137.18M
EPS, diluted, TTM
$1.70
EPS growth, YoY
-0.6%
Cash
$361.47M
P/E
17.45
P/S
2.80
Market cap
$1.17B
Annual revenue$439.30M
FY2016FY2025
Annual net income$52.42M
FY2016FY2025
Annual free cash flow$129.24M
FY2016FY2025

AMTB revenue and earnings growth

AMTB revenueQ3 2026$108.80M

Quarter YoY
-2.4%
QoQ
+8.0%
FY YoY
+30.8%
5Y CAGR
+10.8%

AMTB revenue was $108.80M in fiscal Q3 2026 (ended Sep 30, 2026), down 2.4% from a year earlier and up 8.0% from the prior quarter. For the full fiscal 2025 it was $439.30M, up 30.8% from fiscal 2024. Compound annual growth was +10.8% over 5 years. It rose in 5 of the last 9 fiscal years. Fiscal 2025 is the highest of the 10 fiscal years on file.

AMTB net incomeQ3 2026$25.72M

Quarter YoY
+74.3%
QoQ
+22.2%

AMTB net income was $25.72M in fiscal Q3 2026 (ended Sep 30, 2026), up 74.3% from a year earlier and up 22.2% from the prior quarter. For the full fiscal 2025 it was $52.42M, compared with -$15.75M in fiscal 2024.

AMTB EPSQ3 2026$0.65

Quarter YoY
+85.7%
QoQ
+22.6%

AMTB diluted EPS was $0.65 in fiscal Q3 2026 (ended Sep 30, 2026), up 85.7% from a year earlier and up 22.6% from the prior quarter. For the full fiscal 2025 it was $1.26, compared with -$0.44 in fiscal 2024.

AMTB free cash flowQ3 2026$56.41M

Quarter YoY
+160.2%
QoQ
+43.3%
FY YoY
+72.8%
5Y CAGR
+20.1%

AMTB free cash flow was $56.41M in fiscal Q3 2026 (ended Sep 30, 2026), up 160.2% from a year earlier and up 43.3% from the prior quarter. For the full fiscal 2025 it was $129.24M, up 72.8% from fiscal 2024. Compound annual growth was +20.1% over 5 years. Fiscal 2025 is the highest of the 10 fiscal years on file.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$439.30M$335.87M$413.96M$333.94M$325.76M$263.02M$270.20M$272.91M$281.19M$254.20M
Interest expense--$222.12M$72.11M$42.70M$71.00M$99.89M$90.32M$63.61M$46.89M
Pre-tax income$66.14M-$24.08M$41.33M$78.58M$144.02M-$4.33M$64.03M$57.57M$77.05M$33.79M
Income tax$13.72M-$8.33M$10.54M$16.62M$33.71M-$2.61M$12.70M$11.73M$33.99M$10.21M
Net income$52.42M-$15.75M$32.49M$63.31M$112.92M-$1.72M$51.33M$45.83M$43.06M$23.58M
EPS, basic$1.26-$0.44$0.97$1.87$3.04-$0.04$1.21$1.08$1.01$0.55
EPS, diluted$1.26-$0.44$0.96$1.85$3.01-$0.04$1.20$1.08$1.01$0.55
Diluted shares41.7M35.8M33.7M34.1M37.5M41.7M42,93942,48742,48942.5M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$470.15M$590.36M$321.87M$290.60M$274.21M$214.39M$121.32M$85.71M$153.44M$134.99M
Goodwill$19.19M$19.19M$19.19M$19.51M$19.51M$19.51M$19.51M$19.19M$19.19M-
Total assets$9.78B$9.90B$9.72B$9.13B$7.64B$7.77B$7.99B$8.12B$8.44B-
Total liabilities$8.84B$9.01B$8.98B$8.42B$6.81B$6.99B$7.15B$7.38B$7.68B-
Shareholders' equity$938.80M$890.47M$736.07M$705.73M$831.87M$783.42M$834.70M$747.42M$753.45M$704.74M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$136.98M$82.19M$26.72M-$49.16M$67.43M$57.25M$78.39M$62.16M$73.28M$75.27M
Capital expenditures$7.75M$7.40M$10.93M$10.63M$6.58M$5.57M$14.26M$10.04M$8.61M$8.54M
Free cash flow$129.24M$74.79M$15.79M-$59.79M$60.85M$51.67M$64.13M$52.12M$64.68M$66.73M
Investing cash flow-$47.80M-$576.66M-$606.62M-$1.40B$385.32M$286.34M$205.84M$206.51M$7.57M-$322.23M
Financing cash flow-$209.38M$762.96M$611.17M$1.46B-$392.93M-$250.52M-$248.62M-$336.40M-$62.39M$243.67M
Dividends paid$15.10M$12.82M$12.06M$12.23M$0$0$0$40.00M$0$0
Share repurchases$33.00M$7.56M$4.93M$72.06M$36.33M$0$0---
Stock-based compensation$4.98M$5.05M$6.78M$5.79M$4.78M$2.31M$6.37M$166.0K$0$0
Depreciation and amortization$6.69M$6.60M$6.84M$5.88M$7.27M$9.38M$7.09M$8.54M$9.04M$9.13M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY30.8%-18.9%24.0%2.5%23.9%-2.7%-1.0%-2.9%10.6%-
Net income growth, YoY---48.7%-43.9%--12.0%6.4%82.6%-
EPS growth, YoY---48.1%-38.5%--11.1%6.9%--
Net margin11.9%-4.7%7.8%19.0%34.7%-0.7%19.0%16.8%15.3%9.3%
Free cash flow margin29.4%22.3%3.8%-17.9%18.7%19.6%23.7%19.1%23.0%26.3%
Return on equity5.6%-1.8%4.4%9.0%13.6%-0.2%6.1%6.1%5.7%3.3%
Return on assets0.5%-0.2%0.3%0.7%1.5%-0.0%0.6%0.6%0.5%-

Source: XBRL data Amerant Bancorp Inc. files with the SEC, latest filing dated Nov 3, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

AMTB peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
AMTB$419.37M-4.4%$67.33M16.1%$1.17B
JPM$203.15B+13.2%$65.98B32.5%$908.43B
BAC$120.16B+5.4%$32.24B26.8%$348.81B
WFC$87.23B+5.4%$22.97B26.3%$256.63B
C$85.22B+5.6%$14.31B16.8%$201.89B
UBS$49.57B+2.0%$7.80B15.7%$151.93B
MFG¥8.79T+7.6%¥1.16T13.2%$122.19B
COF$63.01B+31.2%$10.87B17.2%$119.45B
BNSC$37.74B+12.1%C$7.79B20.6%$114.51B

AMTB FAQ

8 questions
  • What is AMTB revenue?
    Amerant Bancorp Inc. (AMTB) reported $419.37M of revenue for the twelve months ended Sep 30, 2026. That is down 4.4% from the year before. Revenue for fiscal 2025 was $439.30M.
  • Is AMTB profitable?
    Yes. Amerant Bancorp Inc. earned $67.33M in net income for the twelve months ended Sep 30, 2026, a net margin of 16.1%.
  • How much cash and debt does AMTB have?
    Amerant Bancorp Inc. reported $361.47M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is AMTB revenue growing?
    Amerant Bancorp Inc.'s revenue changed +30.8% in fiscal 2025, to $439.30M. Its compound annual growth rate was +10.8% over 5 years.
  • What is AMTB free cash flow?
    Amerant Bancorp Inc. generated $137.18M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $144.25M less capital expenditures.
  • What is AMTB earnings per share?
    Diluted earnings per share were $1.70 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did AMTB last report financial results?
    The latest statements here come from Amerant Bancorp Inc.'s 10-Q filed on Nov 3, 2026, covering the period ended Sep 30, 2026.
  • Where does this AMTB financial data come from?
    Quantisnow builds these statements from the structured XBRL data Amerant Bancorp Inc. files with the SEC. It is provided for information only and is not investment advice.