AMTB · Amerant Bancorp Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $6.69M | $6.60M | $6.84M | $5.88M | $7.27M | $9.38M |
| Operating Income | $66.14M | ($24.08M) | $41.33M | $78.58M | ($4.33M) | ($4.33M) |
| Interest Expense | - | - | $222.12M | $72.11M | $42.70M | $71.00M |
| Income Tax | $13.72M | ($8.33M) | $10.54M | $16.62M | $33.71M | ($2.61M) |
| Net Income | $52.42M | ($15.75M) | $32.49M | $63.31M | $112.92M | ($1.72M) |
| EPS - Basic | $1.26 | ($0.44) | $0.97 | $1.87 | $3.04 | ($0.04) |
| EPS - Diluted | $1.26 | ($0.44) | $0.96 | $1.85 | $3.01 | ($0.04) |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $470.15M | $590.36M | $321.87M | $290.60M | $274.21M | $214.39M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $9.78B | $9.90B | $9.72B | $9.13B | $7.64B | $7.77B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $8.84B | $9.01B | $8.98B | $8.42B | $6.81B | $6.99B |
| Stockholders' Equity | $938.80M | $890.47M | $736.07M | $705.73M | $831.87M | $783.42M |
| Retained Earnings | $619.55M | $582.23M | $553.17M | $590.38M | $553.17M | $442.40M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $136.98M | $82.19M | $26.72M | ($49.16M) | $67.43M | $57.25M |
| Investing Cash Flow | ($47.80M) | ($576.66M) | ($606.62M) | ($1.40B) | $385.32M | $286.34M |
| Financing Cash Flow | ($209.38M) | $762.96M | $611.17M | $1.46B | ($392.93M) | ($250.52M) |
| CapEx | $7.75M | $7.40M | $10.93M | $10.63M | $6.58M | $5.57M |
| Free Cash Flow | $129.24M | $74.79M | $15.79M | ($59.79M) | $60.85M | $51.67M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | 2.47 | -4.75 | 0.49 | -0.94 | 0.54 | -30.01 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 20.7% | - | 24.5% | 20.8% | 23.0% | - |
| Return on assets | 0.5% | -0.2% | 0.3% | 0.7% | 1.5% | -0.0% |
| Return on equity | 5.6% | -1.8% | 4.4% | 9.0% | 13.6% | -0.2% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | - | - | 0.2x | 1.1x | -0.1x | -0.1x |
| Equity multiplier | 10.41 | 11.12 | 13.20 | 12.93 | 9.18 | 9.92 |
| Liabilities / Assets | 0.90 | 0.91 | 0.92 | 0.92 | 0.89 | 0.90 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 15.5x | - | 25.6x | 14.5x | 11.5x | - |
| P / B | 0.9x | 0.9x | 1.1x | 1.3x | 0.0x | 0.0x |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | 4.7x | - | 10.5x | 7.4x | -93.0x | -42.3x |
| Growth | ||||||
| Revenue growth (YoY) | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | - | - | -47.4% | - | 0.0% | - |
| Net income growth (YoY) | - | - | -48.7% | -43.9% | - | - |
| EPS growth (YoY) | - | - | -48.1% | -38.5% | - | - |
| EPS CAGR (3y) | -12.0% | - | - | 15.5% | 76.2% | - |
| EPS CAGR (5y) | - | - | 11.8% | - | - | - |
| FCF growth (YoY) | 72.8% | 373.7% | - | - | 17.8% | -19.4% |
| FCF CAGR (5y) | 20.1% | 3.1% | -25.0% | - | - | - |
| Book value growth (YoY) | 5.4% | 21.0% | 4.3% | -15.2% | 6.2% | -6.1% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
4/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✗No share dilution
- -Gross margin improved
- -Asset turnover improved
Peer comparison
Same SIC group: National Commercial Banks
Comparing Amerant Bancorp Inc. against the 5 most active filers in the same SIC group.
Dividends
$0.36/share trailing 12 months · 0.0% YoY
| Ex-date | Per share |
|---|---|
| May 15, 2026 | $0.0900 |
| Feb 13, 2026 | $0.0900 |
| Nov 14, 2025 | $0.0900 |
| Aug 15, 2025 | $0.0900 |
| May 15, 2025 | $0.0900 |
| Feb 14, 2025 | $0.0900 |
| Nov 14, 2024 | $0.0900 |
| Aug 15, 2024 | $0.0900 |
| May 14, 2024 | $0.0900 |
| Feb 13, 2024 | $0.0900 |
| Nov 13, 2023 | $0.0900 |
| Aug 14, 2023 | $0.0900 |
| May 12, 2023 | $0.0900 |
| Feb 10, 2023 | $0.0900 |
| Nov 14, 2022 | $0.0900 |
| Aug 16, 2022 | $0.0900 |
| May 12, 2022 | $0.0900 |
| Feb 10, 2022 | $0.0900 |
| Dec 21, 2021 | $0.0600 |