Amerant Bancorp/$AMTB

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About Amerant Bancorp

Amerant Bancorp Inc is a bank holding company. Through its bank, it provides individuals and businesses deposit, credit, investment, wealth management, and fiduciary services, both in the United States and to select international customers. The bank also provides banking services through traditional channels, such as banking centers and ATMs, as well as via secure websites, mobile devices and telephones.
Ticker
$AMTB
Sector
Finance
Primary listing
NYSE
Employees
694

Amerant Bancorp Metrics

BasicAdvanced
$1.2B
21.20
$1.39
0.83
$0.36
1.22%

Bulls say / Bears say

Second-quarter results showed a clear sequential recovery: net income rose to $21.0 million from $17.9 million, while EPS increased to $0.53 from $0.44. Deposits grew 5.2%, core deposits 9.4%, and net interest income also increased, giving the bank more funding to support loan growth. (Amerant Bancorp, SEC filing)
The bank is making measurable progress in cleaning up credit: classified loans fell 14.7% in the quarter and special-mention loans fell 25.9%, while annualised net charge-offs were only 0.08% of average loans. Lower credit-loss provisions helped support the improvement in second-quarter profit. (Amerant Bancorp, StockTitan)
Management has outlined a credible operating-leverage target, with expenses expected to fall to $66–67 million in the fourth quarter and the efficiency ratio moving towards 60%. It also targets about $7.3 billion of loans, $9.1 billion of deposits and roughly 1% return on assets by year-end, which could lift returns if execution holds. (Amerant Bancorp, StockTitan)
Credit quality is improving, but it remains a material earnings risk: second-quarter non-performing loans were $171.1 million and non-performing assets were $186.6 million. The decline in criticised loans was helped by sales, pay-offs and targeted exits, so it still needs to be shown through normal portfolio performance. (Amerant Bancorp, Exa)
Deposit growth is increasingly tied to international balances, particularly Venezuela and the oil sector, rather than a broad domestic franchise. That creates concentration, compliance and stability risks if those institutional balances prove less sticky than management expects. (Yahoo Finance, Exa)
Amerant has priced $50 million of senior notes due 2031 at a relatively high 7% coupon. If issued as planned, the roughly $3.5 million of annual interest would weigh on earnings, while using proceeds partly for buybacks would add leverage rather than directly expand earning assets. (Finviz)
Data summarised monthly by Lightyear AI. Last updated on 16 Sept 2026.

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