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Amerant Bancorp (AMTB) Financials

$20.12 +0.27 (+1.36%)
As of 03:58 PM Eastern
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Annual Income Statements for Amerant Bancorp

Annual Income Statements for Amerant Bancorp

This table shows Amerant Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 24 43 46 51 -1.72 113 63 32 -16
Consolidated Net Income / (Loss)		 24 43 46 51 -1.72 110 62 31 -16
Net Income / (Loss) Continuing Operations		 24 43 46 51 -1.72 110 62 31 -16
Total Pre-Tax Income 		34 77 58 64 -4.33 144 79 41 -24
Total Revenue		 254 281 273 270 263 326 334 414 336
Net Interest Income / (Expense)		 192 210 219 213 190 205 267 326 326
Total Interest Income		 239 273 309 313 261 248 339 549 596
Loans and Leases Interest Income		 189 224 258 263 221 216 293 475 505
Investment Securities Interest Income		 49 48 49 47 39 32 41 55 67
Deposits and Money Market Investments Interest Income		 0.81 1.64 2.54 2.75 0.63 0.25 4.15 18 23
Total Interest Expense		 47 64 90 100 71 43 72 222 270
Deposits Interest Expense		 26 36 56 68 53 28 49 184 231
Long-Term Debt Interest Expense		 18 26 35 32 18 15 23 38 39
Federal Funds Purchased and Securities Sold Interest Expense		 3.26 1.88 0.01 0.01 0.00 0.00 0.00 0.01 0.00
Total Non-Interest Income		 62 71 54 57 73 121 67 87 9.91
Other Service Charges		 36 47 31 30 21 29 26 32 38
Net Realized & Unrealized Capital Gains on Investments		 1.75 -1.60 -0.12 6.87 30 68 18 34 -56
Investment Banking Income		 20 21 17 15 17 19 18 17 18
Other Non-Interest Income		 4.42 5.46 5.82 5.71 5.70 5.46 5.41 5.17 9.28
Provision for Credit Losses		 22 -3.49 0.38 -3.15 89 -17 14 61 60
Total Non-Interest Expense		 198 208 215 209 179 198 241 311 299
Salaries and Employee Benefits		 130 132 142 137 111 118 124 134 137
Net Occupancy & Equipment Expense		 27 27 29 29 31 35 42 43 39
Marketing Expense		 - - - - 1.60 3.38 12 13 14
Property & Liability Insurance Claims		 7.13 7.62 6.22 4.04 6.14 6.42 6.60 11 12
Other Operating Expenses		 26 32 29 32 20 28 52 104 90
Depreciation Expense		 9.10 9.04 8.54 7.09 9.39 7.27 5.88 6.84 6.60
Income Tax Expense		 10 34 12 13 -2.61 34 17 11 -8.33
Net Income / (Loss) Attributable to Noncontrolling Interest		 - - - 0.00 0.00 -2.61 -1.35 -1.70 0.00
Basic Earnings per Share		 $0.55 $1.01 $1.08 $1.21 ($0.04) $3.04 $1.87 $0.97 ($0.44)
Weighted Average Basic Shares Outstanding		 - - 43.20M 42.21M 38.03M 34.63M 33.83M 33.60M 41.92M
Diluted Earnings per Share		 $0.55 $1.01 $1.08 $1.20 ($0.04) $3.01 $1.85 $0.96 ($0.44)
Weighted Average Diluted Shares Outstanding		 - - 43.20M 42.21M 38.03M 34.63M 33.83M 33.60M 41.92M
Weighted Average Basic & Diluted Shares Outstanding		 - - 43.20M 42.21M 38.03M 34.63M 33.83M 33.60M 41.92M
Cash Dividends to Common per Share		 - - - - - - $0.36 $0.36 $0.36

Quarterly Income Statements for Amerant Bancorp

This table shows Amerant Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025
Period end date 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025
Net Income / (Loss) Attributable to Common Shareholders		 22 20 7.31 22 -17 11 4.96 -48 17 12 23
Consolidated Net Income / (Loss)		 22 20 7.05 22 -18 11 4.96 -48 17 12 23
Net Income / (Loss) Continuing Operations		 22 20 7.05 22 -18 11 4.96 -48 17 12 23
Total Pre-Tax Income 		27 25 8.92 28 -21 13 6.32 -62 18 15 30
Total Revenue		 107 102 110 100 101 93 100 33 111 106 110
Net Interest Income / (Expense)		 82 82 84 79 82 78 79 81 88 86 90
Total Interest Income		 113 125 138 139 146 145 146 152 153 146 151
Loans and Leases Interest Income		 99 109 120 120 127 123 124 130 129 121 122
Investment Securities Interest Income		 13 13 13 14 14 16 17 17 17 19 23
Deposits and Money Market Investments Interest Income		 2.05 3.33 5.69 5.27 4.02 5.83 5.34 4.76 6.89 6.47 5.72
Total Interest Expense		 31 43 55 61 64 67 67 71 65 61 61
Deposits Interest Expense		 24 34 45 50 55 59 58 59 55 51 52
Long-Term Debt Interest Expense		 7.62 9.18 9.98 11 8.61 6.99 8.36 11 10 8.58 8.66
Federal Funds Purchased and Securities Sold Interest Expense		 - - 0.00 0.00 - - 0.00 0.00 - - 0.00
Total Non-Interest Income		 24 19 27 22 20 14 19 -48 24 20 20
Other Service Charges		 6.45 8.22 8.01 7.99 7.34 7.56 10 10 10 11 9.16
Net Realized & Unrealized Capital Gains on Investments		 16 3.46 12 8.08 9.73 0.26 2.39 -68 13 1.57 3.13
Investment Banking Income		 4.05 4.18 4.26 4.37 4.25 4.33 4.54 4.47 4.65 4.73 4.99
Other Non-Interest Income		 -2.42 3.48 1.91 1.48 -1.70 2.34 2.24 5.85 -3.97 2.45 2.49
Provision for Credit Losses		 17 12 29 8.00 13 12 19 19 9.91 18 6.06
Total Non-Interest Expense		 62 65 73 64 110 67 73 76 83 72 74
Salaries and Employee Benefits		 33 35 34 31 33 33 34 35 35 33 36
Net Occupancy & Equipment Expense		 9.97 9.86 12 11 11 10 12 8.88 8.69 9.61 8.42
Marketing Expense		 3.33 2.59 4.33 2.72 3.17 3.08 4.24 3.47 3.70 3.64 4.82
Property & Liability Insurance Claims		 1.93 2.74 2.74 2.59 2.54 3.01 2.77 2.86 2.93 3.24 2.90
Other Operating Expenses		 12 13 17 15 59 17 19 24 31 21 21
Depreciation Expense		 1.96 1.29 2.28 1.80 1.48 1.48 1.65 1.74 1.73 1.59 1.55
Other Special Charges		 - - - - - - 1.26 - - - 0.00
Income Tax Expense		 5.63 5.30 1.87 6.34 -2.97 2.89 1.36 -14 1.14 3.47 6.80
Basic Earnings per Share		 $0.66 $0.60 $0.22 $0.66 ($0.51) $0.32 $0.15 ($1.43) $0.52 $0.28 $0.55
Weighted Average Basic Shares Outstanding		 33.83M 33.81M 33.70M 33.58M 33.60M 33.72M 33.49M 42.11M 41.92M 41.83M 41.75M
Diluted Earnings per Share		 $0.64 $0.60 $0.22 $0.66 ($0.52) $0.31 $0.15 ($1.43) $0.53 $0.28 $0.55
Weighted Average Diluted Shares Outstanding		 33.83M 33.81M 33.70M 33.58M 33.60M 33.72M 33.49M 42.11M 41.92M 41.83M 41.75M
Weighted Average Basic & Diluted Shares Outstanding		 33.83M 33.81M 33.70M 33.58M 33.60M 33.72M 33.49M 42.11M 41.92M 41.83M 41.75M

Annual Cash Flow Statements for Amerant Bancorp

This table details how cash moves in and out of Amerant Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 -3.29 18 -68 36 93 60 16 31 268
Net Cash From Operating Activities		 75 73 62 78 57 67 -49 27 82
Net Cash From Continuing Operating Activities		 75 73 62 78 57 67 -49 27 82
Net Income / (Loss) Continuing Operations		 24 43 46 51 -1.72 110 62 31 -16
Consolidated Net Income / (Loss)		 24 43 46 51 -1.72 110 62 31 -16
Provision For Loan Losses		 22 -3.49 0.38 -3.15 89 -17 14 61 60
Depreciation Expense		 9.13 9.04 8.54 7.09 9.39 7.27 5.88 6.84 6.60
Amortization Expense		 27 19 17 14 15 13 8.54 4.85 4.56
Non-Cash Adjustments to Reconcile Net Income		 -11 -2.09 -4.27 -3.33 -40 -98 -288 -333 -355
Changes in Operating Assets and Liabilities, net		 4.27 7.41 -5.25 12 -14 51 149 256 381
Net Cash From Investing Activities		 -322 7.57 207 206 286 385 -1,397 -607 -577
Net Cash From Continuing Investing Activities		 -322 7.57 207 206 286 385 -1,397 -607 -577
Purchase of Property, Leasehold Improvements and Equipment		 -8.54 -8.61 -10 -14 -5.57 -6.58 -11 -11 -7.40
Purchase of Investment Securities		 -1,457 -787 -277 -602 -609 -439 -1,769 -926 -1,849
Sale of Property, Leasehold Improvements and Equipment		 8.16 31 0.91 5.17 13 0.03 0.00 0.54 0.21
Sale and/or Maturity of Investments		 1,135 772 312 817 887 830 382 330 1,354
Other Investing Activities, net		 - - 173 - - - 0.00 0.00 -74
Net Cash From Financing Activities		 244 -62 -336 -249 -251 -393 1,463 611 763
Net Cash From Continuing Financing Activities		 244 -62 -336 -249 -251 -393 1,463 611 763
Net Change in Deposits		 58 409 141 -290 -26 -101 1,413 851 528
Issuance of Debt		 2,239 1,772 1,278 1,800 808 486 1,159 1,955 1,463
Issuance of Common Equity		 0.00 0.00 18 29 - - 0.00 0.00 156
Repayment of Debt		 -2,030 -1,530 -1,284 -1,758 -963 -730 -1,024 -2,177 -1,361
Repurchase of Common Equity		 0.00 0.00 -18 -28 -69 -46 -72 -4.93 -7.56
Payment of Dividends		 0.00 0.00 -40 - 0.00 0.00 -12 -12 -13
Other Financing Activities, Net		 -23 -714 -431 -1.70 -0.92 -2.14 -1.06 -0.52 -1.58
Cash Interest Paid		 46 62 89 100 73 46 67 212 272
Cash Income Taxes Paid		 9.26 19 19 7.54 11 15 28 25 4.86

Quarterly Cash Flow Statements for Amerant Bancorp

This table details how cash moves in and out of Amerant Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025
Period end date 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025
Net Change in Cash & Equivalents		 -12 195 -41 -136 13 338 -349 362 -81 58 -12
Net Cash From Operating Activities		 -17 -19 11 49 -14 2.79 -2.34 4.21 78 20 58
Net Cash From Continuing Operating Activities		 -17 -19 11 49 -14 2.79 -2.34 4.21 78 20 58
Net Income / (Loss) Continuing Operations		 22 20 7.05 22 -18 11 4.96 -48 17 12 23
Consolidated Net Income / (Loss)		 22 20 7.05 22 -18 11 4.96 -48 17 12 23
Provision For Loan Losses		 17 12 29 8.00 13 12 19 19 9.91 18 6.06
Depreciation Expense		 1.96 1.29 2.28 1.80 1.48 1.48 1.65 1.74 1.73 1.59 1.55
Amortization Expense		 1.56 1.24 1.20 1.22 1.19 1.25 1.34 1.46 0.51 0.56 0.57
Non-Cash Adjustments to Reconcile Net Income		 -85 -81 -125 -80 -46 -62 -97 -69 -127 -61 -42
Changes in Operating Assets and Liabilities, net		 25 28 96 97 35 39 67 99 176 49 69
Net Cash From Investing Activities		 -384 -182 -71 21 -375 287 -328 -237 -298 -223 -202
Net Cash From Continuing Investing Activities		 -384 -182 -71 21 -375 287 -328 -237 -298 -223 -202
Purchase of Property, Leasehold Improvements and Equipment		 -2.60 -3.74 -3.51 -1.07 -2.62 -3.48 -1.51 -1.61 -0.79 -2.21 -1.34
Purchase of Investment Securities		 -471 -247 -125 -60 -495 -229 -393 -454 -773 -296 -247
Sale and/or Maturity of Investments		 89 68 57 82 122 519 67 219 549 75 46
Net Cash From Financing Activities		 389 396 20 -206 402 48 -19 594 139 261 133
Net Cash From Continuing Financing Activities		 389 396 20 -206 402 48 -19 594 139 261 133
Net Change in Deposits		 456 243 293 -33 348 -52 -62 295 311 300 -372
Issuance of Debt		 400 1,030 100 150 675 408 805 200 50 0.00 50
Repayment of Debt		 -464 -872 -369 -318 -619 -338 -755 -50 -219 -30 -60
Repurchase of Common Equity		 - -0.57 -1.66 -2.71 - 0.00 -4.45 -3.11 - -5.00 -5.00
Payment of Dividends		 -3.01 -3.02 -3.02 -3.02 -3.01 -3.01 -3.02 -3.00 -3.78 -3.89 -3.77
Other Financing Activities, Net		 -0.05 -1.17 0.27 -0.02 0.40 33 0.39 -0.09 0.21 -0.60 524
Cash Interest Paid		 30 39 51 60 61 73 61 73 65 62 59
Cash Income Taxes Paid		 5.77 0.49 13 6.16 4.93 0.27 4.48 0.07 0.04 0.32 0.40

Annual Balance Sheets for Amerant Bancorp

This table presents Amerant Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Total Assets		 8,437 8,124 7,985 7,771 7,638 9,128 9,716 9,902
Cash and Due from Banks		 45 26 28 30 34 19 47 39
Restricted Cash		 - - - - 0.00 42 26 24
Interest Bearing Deposits at Other Banks		 109 60 93 184 241 229 243 520
Trading Account Securities		 1,777 1,671 1,666 1,308 1,190 1,131 1,246 1,483
Loans and Leases, Net of Allowance		 5,994 5,858 5,692 -111 5,340 6,774 6,778 7,143
Loans and Leases		 6,066 5,920 5,744 - 5,409 6,857 6,873 7,228
Allowance for Loan and Lease Losses		 72 62 52 111 70 84 96 85
Accrued Investment Income		 73 74 67 94 92 156 256 179
Premises and Equipment, Net		 129 124 129 110 38 42 44 32
Goodwill		 19 19 20 20 20 20 19 19
Other Assets		 285 293 290 6,137 541 715 692 462
Total Liabilities & Shareholders' Equity		 8,437 8,124 7,985 7,771 7,638 9,128 9,716 9,902
Total Liabilities		 7,683 7,377 7,151 6,987 6,807 8,422 8,980 9,011
Non-Interest Bearing Deposits		 896 769 763 872 1,183 1,368 1,427 1,505
Interest Bearing Deposits		 5,427 5,264 4,994 4,859 4,448 5,677 6,468 6,350
Other Short-Term Payables		 69 - - 83 106 179 164 152
Long-Term Debt		 1,291 1,284 1,327 1,173 933 1,059 798 899
Other Long-Term Liabilities		 - 60 66 - 137 140 123 106
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 753 747 835 783 834 708 736 890
Total Preferred & Common Equity		 753 747 835 783 832 706 736 890
Total Common Equity		 753 747 835 783 834 708 736 890
Common Stock		 372 390 424 309 266 198 196 348
Retained Earnings		 388 394 444 442 553 590 611 582
Accumulated Other Comprehensive Income / (Loss)		 -6.13 -18 13 32 15 -81 -71 -40

Quarterly Balance Sheets for Amerant Bancorp

This table presents Amerant Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q2 2022 Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025
Period end date 6/30/2022 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025
Total Assets		 8,151 8,740 9,495 9,520 9,346 9,818 9,748 10,353 10,170 10,335
Cash and Due from Banks		 29 38 41 45 48 41 33 41 40 48
Restricted Cash		 22 46 33 34 52 34 32 10 13 7.98
Interest Bearing Deposits at Other Banks		 303 218 412 366 203 578 238 614 588 573
Trading Account Securities		 1,429 1,122 1,111 1,080 1,062 1,349 1,332 1,523 1,725 1,918
Loans and Leases, Net of Allowance		 -52 6,392 6,965 7,061 6,975 6,861 6,617 6,884 7,060 7,097
Loans and Leases		 - 6,446 7,050 7,167 7,073 6,957 6,711 6,964 7,158 7,183
Allowance for Loan and Lease Losses		 52 54 84 106 99 96 94 80 98 87
Accrued Investment Income		 122 160 173 180 202 202 220 222 177 165
Premises and Equipment, Net		 39 41 42 44 43 45 33 33 32 32
Goodwill		 20 20 21 21 21 19 19 19 19 19
Other Assets		 6,173 702 697 689 697 688 671 453 475 476
Total Liabilities & Shareholders' Equity		 8,151 8,740 9,495 9,520 9,346 9,818 9,748 10,353 10,170 10,335
Total Liabilities		 7,440 8,044 8,766 8,799 8,626 9,080 9,013 9,450 9,263 9,410
Non-Interest Bearing Deposits		 1,299 1,319 1,361 1,294 1,370 1,397 1,465 1,482 1,665 1,707
Interest Bearing Deposits		 4,904 5,269 5,926 6,286 6,177 6,481 6,351 6,629 6,490 6,600
Other Short-Term Payables		 - 182 153 176 210 211 173 165 129 136
Long-Term Debt		 983 1,134 1,205 923 748 868 918 1,069 869 859
Other Long-Term Liabilities		 254 141 122 120 121 122 106 106 111 109
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 713 698 731 724 723 738 734 903 906 924
Total Preferred & Common Equity		 711 696 729 721 720 738 734 903 906 924
Total Common Equity		 713 698 731 724 723 738 734 903 906 920
Common Stock		 194 195 198 199 197 196 193 347 343 336
Retained Earnings		 571 588 608 612 631 618 620 569 590 610
Accumulated Other Comprehensive Income / (Loss)		 -51 -86 -74 -87 -106 -76 -79 -13 -27 -25

Annual Metrics And Ratios for Amerant Bancorp

This table displays calculated financial ratios and metrics derived from Amerant Bancorp's official financial filings.

Metric 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - - - - - - - -
Revenue Growth		 0.00% 10.62% -2.94% -1.00% -2.66% 23.85% 2.51% 23.96% -18.87%
EBITDA Growth		 0.00% 50.24% -21.25% 2.88% -76.68% 722.76% -43.25% -42.99% -124.37%
EBIT Growth		 0.00% 128.02% -25.29% 11.23% -106.77% 3,423.03% -45.44% -47.41% -158.28%
NOPAT Growth		 0.00% 82.61% 6.45% 12.00% -105.91% 3,736.07% -43.83% -50.31% -154.76%
Net Income Growth		 0.00% 82.61% 6.45% 12.00% -103.35% 6,505.98% -43.83% -50.31% -151.16%
EPS Growth		 0.00% 83.64% 6.93% 11.11% -103.33% 7,625.00% -38.54% -48.11% -145.83%
Operating Cash Flow Growth		 0.00% -2.64% -15.18% 26.11% -26.97% 17.79% -172.90% 154.36% 207.60%
Free Cash Flow Firm Growth		 0.00% 0.00% 102.94% -234.35% 356.35% 48.94% -79.60% 324.42% -203.94%
Invested Capital Growth		 0.00% 0.00% -0.64% 6.42% -9.52% -9.80% 0.02% -13.07% 16.61%
Revenue Q/Q Growth		 0.00% 0.00% 0.00% -17.00% 21.60% 29.99% -7.93% -1.25% 3.08%
EBITDA Q/Q Growth		 0.00% 0.00% 0.00% -39.28% 168.63% 84.86% -39.21% -48.13% 74.88%
EBIT Q/Q Growth		 0.00% 0.00% 0.00% -45.52% 91.48% 118.77% -43.00% -53.92% 61.78%
NOPAT Q/Q Growth		 0.00% 0.00% 0.00% -1.83% -192.49% 102.50% -40.68% -56.36% 61.78%
Net Income Q/Q Growth		 0.00% 0.00% 0.00% -1.83% -134.56% 109.03% -40.68% -56.36% 68.85%
EPS Q/Q Growth		 0.00% 0.00% 0.00% -1.64% -157.14% 106.16% -37.71% -54.72% 70.47%
Operating Cash Flow Q/Q Growth		 0.00% 0.00% 144.95% -19.46% 8.35% 43.14% -908.41% 11.51% 955.21%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 127.62% -3.20% 208.75% -39.48% 50.38%
Invested Capital Q/Q Growth		 0.00% 0.00% 0.00% 3.54% -2.30% 1.13% -3.52% 4.52% -9.25%
Profitability Metrics		 - - - - - - - - -
EBITDA Margin		 27.61% 37.50% 30.43% 31.62% 7.57% 50.31% 27.85% 12.81% -3.85%
EBIT Margin		 13.29% 27.40% 21.09% 23.70% -1.65% 44.21% 23.53% 9.98% -7.17%
Profit (Net Income) Margin		 9.28% 15.31% 16.79% 19.00% -0.65% 33.86% 18.56% 7.44% -4.69%
Tax Burden Percent		 69.78% 55.88% 79.62% 80.17% 39.73% 76.59% 78.85% 74.50% 65.40%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 30.22% 44.12% 20.38% 19.83% 0.00% 23.41% 21.15% 25.50% 0.00%
Return on Invested Capital (ROIC)		 0.00% 4.21% 2.25% 2.45% -0.15% 5.93% 3.51% 1.87% -1.01%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 4.21% 2.25% 2.45% -0.04% 5.93% 3.51% 1.87% -0.88%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 7.22% 3.86% 4.04% -0.07% 7.71% 4.52% 2.40% -0.92%
Return on Equity (ROE)		 0.00% 11.43% 6.11% 6.49% -0.21% 13.64% 8.04% 4.26% -1.94%
Cash Return on Invested Capital (CROIC)		 0.00% -195.79% 2.89% -3.77% 9.85% 16.23% 3.49% 15.85% -16.35%
Operating Return on Assets (OROA)		 0.00% 0.91% 0.70% 0.79% -0.06% 1.87% 0.94% 0.44% -0.25%
Return on Assets (ROA)		 0.00% 0.51% 0.55% 0.64% -0.02% 1.43% 0.74% 0.33% -0.16%
Return on Common Equity (ROCE)		 0.00% 11.43% 6.11% 6.49% -0.21% 13.64% 8.04% 4.26% -1.94%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 5.71% 6.13% 6.15% -0.22% 13.26% 8.78% 4.18% -1.77%
Net Operating Profit after Tax (NOPAT)		 24 43 46 51 -3.03 110 62 31 -17
NOPAT Margin		 9.28% 15.31% 16.79% 19.00% -1.15% 33.86% 18.56% 7.44% -5.02%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% -0.10% 0.00% 0.00% 0.00% -0.13%
SG&A Expenses to Revenue		 61.54% 56.55% 62.56% 61.67% 54.61% 47.97% 53.08% 45.81% 56.85%
Operating Expenses to Revenue		 78.01% 73.84% 78.77% 77.47% 67.95% 60.85% 72.29% 75.21% 89.17%
Earnings before Interest and Taxes (EBIT)		 34 77 58 64 -4.33 144 79 41 -24
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 70 105 83 85 20 164 93 53 -13
Valuation Ratios		 - - - - - - - - -
Price to Book Value (P/BV)		 0.00 0.11 0.71 0.36 0.78 1.49 1.23 1.10 1.06
Price to Tangible Book Value (P/TBV)		 0.00 0.11 0.73 0.36 0.80 1.53 1.27 1.13 1.08
Price to Revenue (P/Rev)		 0.32 0.29 1.94 1.10 2.33 3.82 2.61 1.95 2.80
Price to Earnings (P/E)		 3.47 1.90 11.54 5.78 0.00 11.01 13.79 24.89 0.00
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.18% 1.63% 1.49% 1.61%
Earnings Yield		 28.79% 52.57% 8.66% 17.31% 0.00% 9.09% 7.25% 4.02% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.60 0.85 0.69 0.80 1.08 0.93 0.84 0.70
Enterprise Value to Revenue (EV/Rev)		 0.00 4.34 6.33 5.56 5.97 5.84 4.92 3.12 3.74
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 11.57 20.80 17.59 78.89 11.62 17.67 24.35 0.00
Enterprise Value to EBIT (EV/EBIT)		 0.00 15.83 30.01 23.46 0.00 13.22 20.91 31.24 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 28.32 37.69 29.27 0.00 17.26 26.52 41.93 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 16.64 27.79 19.17 27.45 28.23 0.00 48.31 15.27
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 29.34 0.00 7.75 6.31 26.68 4.94 0.00
Leverage & Solvency		 - - - - - - - - -
Debt to Equity		 0.00 1.71 1.72 1.59 1.50 1.12 1.50 1.08 1.01
Long-Term Debt to Equity		 0.00 1.71 1.72 1.59 1.50 1.12 1.50 1.08 1.01
Financial Leverage		 0.00 1.71 1.72 1.65 1.55 1.30 1.29 1.28 1.04
Leverage Ratio		 0.00 11.20 11.03 10.18 9.74 9.52 10.87 13.05 12.06
Compound Leverage Factor		 0.00 11.20 11.03 10.18 9.74 9.52 10.87 13.05 12.06
Debt to Total Capital		 0.00% 63.15% 63.21% 61.39% 59.95% 52.78% 59.94% 52.02% 50.23%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 63.15% 63.21% 61.39% 59.95% 52.78% 59.94% 52.02% 50.23%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.15% 0.12% 0.00% 0.00%
Common Equity to Total Capital		 0.00% 36.85% 36.79% 38.61% 40.05% 47.22% 40.06% 47.98% 49.77%
Debt to EBITDA		 0.00 12.24 15.46 15.54 58.88 5.69 11.39 15.05 -69.55
Net Debt to EBITDA		 0.00 10.79 14.43 14.12 48.11 4.02 8.26 9.10 -24.40
Long-Term Debt to EBITDA		 0.00 12.24 15.46 15.54 58.88 5.69 11.39 15.05 -69.55
Debt to NOPAT		 0.00 29.99 28.02 25.86 -386.56 8.45 17.09 25.92 -53.30
Net Debt to NOPAT		 0.00 26.42 26.15 23.49 -315.90 5.97 12.40 15.67 -18.70
Long-Term Debt to NOPAT		 0.00 29.99 28.02 25.86 -386.56 8.45 17.09 25.92 -53.30
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 0.00 -2,002 59 -79 203 302 62 261 -272
Operating Cash Flow to CapEx		 20,018.09% 0.00% 680.62% 862.49% 0.00% 1,029.64% -462.51% 256.98% 1,142.22%
Free Cash Flow to Firm to Interest Expense		 0.00 -31.47 0.65 -0.79 2.86 7.07 0.85 1.18 -1.01
Operating Cash Flow to Interest Expense		 1.61 1.15 0.69 0.78 0.81 1.58 -0.68 0.12 0.30
Operating Cash Flow Less CapEx to Interest Expense		 1.60 1.50 0.59 0.69 0.92 1.43 -0.83 0.07 0.28
Efficiency Ratios		 - - - - - - - - -
Asset Turnover		 0.00 0.03 0.03 0.03 0.03 0.04 0.04 0.04 0.03
Fixed Asset Turnover		 0.00 2.17 2.16 2.14 2.20 4.41 8.39 9.70 8.91
Capital & Investment Metrics		 - - - - - - - - -
Invested Capital		 0.00 2,045 2,032 2,162 1,956 1,765 1,765 1,534 1,789
Invested Capital Turnover		 0.00 0.28 0.13 0.13 0.13 0.18 0.19 0.25 0.20
Increase / (Decrease) in Invested Capital		 0.00 2,045 -13 130 -206 -192 0.36 -231 255
Enterprise Value (EV)		 0.00 1,219 1,727 1,502 1,571 1,904 1,643 1,291 1,255
Market Capitalization		 82 82 529 296 613 1,243 873 809 940
Book Value per Share		 $0.00 $119.60 $17.59 $58.70 $18.59 $22.24 $20.96 $21.92 $21.15
Tangible Book Value per Share		 $0.00 $116.55 $17.14 $57.33 $18.13 $21.72 $20.38 $21.35 $20.69
Total Capital		 0.00 2,045 2,032 2,162 1,956 1,767 1,767 1,534 1,789
Total Debt		 0.00 1,291 1,284 1,327 1,173 933 1,059 798 899
Total Long-Term Debt		 0.00 1,291 1,284 1,327 1,173 933 1,059 798 899
Net Debt		 0.00 1,138 1,198 1,206 958 658 769 482 315
Capital Expenditures (CapEx)		 0.38 -22 9.13 9.09 -7.90 6.55 11 10 7.20
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 -1.31 0.00 0.00 0.00 -1.11
Net Nonoperating Obligations (NNO)		 0.00 1,291 1,284 1,327 1,173 930 1,057 798 899
Total Depreciation and Amortization (D&A)		 36 28 25 21 24 20 14 12 11
Earnings Adjustments		 - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.55 $1.01 $1.08 $1.21 ($0.04) $3.04 $1.87 $0.97 ($0.44)
Adjusted Weighted Average Basic Shares Outstanding		 0.00 0.00 43.20M 42.21M 38.03M 34.63M 33.83M 33.60M 41.92M
Adjusted Diluted Earnings per Share		 $0.55 $1.01 $1.08 $1.20 ($0.04) $3.01 $1.85 $0.96 ($0.44)
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 0.00 43.20M 42.21M 38.03M 34.63M 33.83M 33.60M 41.92M
Adjusted Basic & Diluted Earnings per Share		 $0.55 $1.01 $1.08 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 0.00 43.20M 42.21M 38.03M 34.63M 33.83M 33.60M 41.92M
Normalized Net Operating Profit after Tax (NOPAT)		 24 43 46 51 -3.03 110 62 31 -17
Normalized NOPAT Margin		 9.28% 15.31% 16.79% 19.00% -1.15% 33.86% 18.56% 7.44% -5.02%
Pre Tax Income Margin		 13.29% 27.40% 21.09% 23.70% -1.65% 44.21% 23.53% 9.98% -7.17%
Debt Service Ratios		 - - - - - - - - -
EBIT to Interest Expense		 0.72 1.21 0.64 0.64 -0.06 3.37 1.09 0.19 -0.09
NOPAT to Interest Expense		 0.50 0.68 0.51 0.51 -0.04 2.58 0.86 0.14 -0.06
EBIT Less CapEx to Interest Expense		 0.71 1.56 0.54 0.55 0.05 3.22 0.94 0.14 -0.12
NOPAT Less CapEx to Interest Expense		 0.49 1.02 0.41 0.42 0.07 2.43 0.71 0.09 -0.09
Payout Ratios		 - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 87.27% 0.00% 0.00% 0.00% 19.74% 39.18% -81.38%
Augmented Payout Ratio		 0.00% 0.00% 126.35% 55.45% -4,028.92% 41.61% 136.03% 55.20% -129.35%

Quarterly Metrics And Ratios for Amerant Bancorp

This table displays calculated financial ratios and metrics derived from Amerant Bancorp's official financial filings.

Metric Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025
Period end date 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -21.26% 45.94% 53.73% 17.06% -4.93% -9.07% -10.61% -66.85% 9.90% 13.89% 10.57%
EBITDA Growth		 -65.95% 28.75% -12.56% 18.22% -158.91% -41.73% -24.84% -288.79% 211.15% 8.10% 211.20%
EBIT Growth		 -68.35% 39.26% -15.75% 25.20% -176.20% -46.67% -29.11% -320.43% 186.19% 13.65% 310.20%
NOPAT Growth		 -66.07% 39.43% -15.64% 24.31% -167.09% -47.01% -29.56% -299.28% 215.32% 13.15% 363.47%
Net Income Growth		 -66.07% 39.43% -15.64% 24.31% -182.23% -47.01% -29.56% -321.54% 194.10% 13.15% 363.47%
EPS Growth		 -63.64% 36.36% -12.00% 26.92% -181.25% -48.33% -31.82% -316.67% 201.92% -9.68% 266.67%
Operating Cash Flow Growth		 -162.45% -55.11% 129.92% 193.98% 16.21% 114.84% -121.37% -91.38% 643.57% 624.63% 2,559.01%
Free Cash Flow Firm Growth		 -91.62% -135.58% 29.26% 671.78% 906.80% 1,150.90% -106.79% -242.73% -210.18% -146.35% -2,647.52%
Invested Capital Growth		 0.02% 2.77% -2.98% -19.76% -13.07% -16.93% 0.54% 34.31% 16.61% 10.50% 7.89%
Revenue Q/Q Growth		 24.10% -4.57% 8.67% -9.05% 0.79% -8.72% 6.83% -66.27% 234.13% -4.44% 3.65%
EBITDA Q/Q Growth		 17.74% -10.29% -55.38% 150.86% -158.66% 188.75% -42.46% -730.15% 134.54% -8.65% 72.35%
EBIT Q/Q Growth		 22.38% -8.02% -64.67% 214.81% -174.48% 164.37% -53.03% -1,078.84% 129.12% -9.17% 82.01%
NOPAT Q/Q Growth		 24.75% -8.60% -64.67% 208.56% -167.33% 172.19% -53.04% -972.95% 138.96% -29.16% 92.36%
Net Income Q/Q Growth		 24.75% -8.60% -64.67% 208.56% -182.52% 158.91% -53.04% -1,070.46% 135.05% -29.16% 92.36%
EPS Q/Q Growth		 23.08% -6.25% -63.33% 200.00% -178.79% 159.62% -51.61% -1,053.33% 137.06% -47.17% 96.43%
Operating Cash Flow Q/Q Growth		 -202.50% -10.41% 158.29% 345.61% -129.22% 119.55% -183.97% 279.63% 1,743.12% -73.94% 184.96%
Free Cash Flow Firm Q/Q Growth		 132.02% -249.93% 278.99% 565.48% -43.62% 56.50% -101.16% -13,887.53% 56.48% 34.16% 31.45%
Invested Capital Q/Q Growth		 -3.52% 9.57% -15.00% -10.71% 4.52% 4.70% 2.89% 19.28% -9.25% -0.79% 0.46%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 29.06% 27.32% 11.22% 30.93% -18.01% 17.51% 9.43% -176.17% 18.21% 17.41% 28.95%
EBIT Margin		 25.76% 24.83% 8.07% 27.94% -20.65% 14.56% 6.40% -185.77% 16.19% 15.39% 27.03%
Profit (Net Income) Margin		 20.48% 19.61% 6.38% 21.63% -17.71% 11.43% 5.02% -144.57% 15.16% 11.24% 20.86%
Tax Burden Percent		 79.50% 79.00% 79.00% 77.43% 85.79% 78.50% 78.49% 77.82% 93.66% 77.50% 77.20%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 94.25% 100.00%
Effective Tax Rate		 20.50% 21.00% 21.00% 22.57% 0.00% 21.50% 21.51% 0.00% 6.34% 22.50% 22.80%
Return on Invested Capital (ROIC)		 3.88% 3.76% 1.55% 5.50% -3.63% 2.61% 1.20% -24.64% 3.07% 2.32% 4.36%
ROIC Less NNEP Spread (ROIC-NNEP)		 3.88% 3.76% 1.55% 5.50% -3.98% 2.61% 1.20% -25.17% 3.07% 2.32% 4.36%
Return on Net Nonoperating Assets (RNNOA)		 4.99% 5.91% 2.05% 7.27% -5.12% 3.68% 1.51% -28.08% 3.20% 2.45% 4.68%
Return on Equity (ROE)		 8.87% 9.67% 3.59% 12.77% -8.74% 6.30% 2.71% -52.72% 6.26% 4.77% 9.04%
Cash Return on Invested Capital (CROIC)		 3.49% 0.81% 7.00% 26.20% 15.85% 19.71% 0.63% -31.85% -16.35% -10.89% -7.38%
Operating Return on Assets (OROA)		 1.03% 1.05% 0.37% 1.30% -0.91% 0.61% 0.26% -6.15% 0.55% 0.54% 0.97%
Return on Assets (ROA)		 0.82% 0.83% 0.29% 1.00% -0.78% 0.48% 0.21% -4.78% 0.52% 0.39% 0.75%
Return on Common Equity (ROCE)		 8.87% 9.67% 3.59% 12.77% -8.74% 6.30% 2.71% -52.72% 6.26% 4.77% 9.02%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 9.27% 9.20% 9.80% 0.00% 2.90% 2.63% -5.60% 0.00% -1.58% 0.40%
Net Operating Profit after Tax (NOPAT)		 22 20 7.05 22 -15 11 4.96 -43 17 12 23
NOPAT Margin		 20.48% 19.61% 6.38% 21.63% -14.45% 11.43% 5.02% -130.04% 15.16% 11.24% 20.86%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.36% 0.00% 0.00% 0.53% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 43.26% 46.54% 45.56% 44.68% 46.47% 49.80% 50.49% 142.06% 42.83% 43.80% 44.69%
Operating Expenses to Revenue		 58.42% 63.67% 65.61% 64.10% 108.30% 72.03% 74.21% 228.74% 74.91% 67.27% 67.48%
Earnings before Interest and Taxes (EBIT)		 27 25 8.92 28 -21 13 6.32 -62 18 16 30
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 31 28 12 31 -18 16 9.31 -59 20 19 32
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.23 0.98 0.79 0.80 1.10 1.05 1.04 0.79 1.06 0.95 0.83
Price to Tangible Book Value (P/TBV)		 1.27 1.01 0.81 0.82 1.13 1.08 1.07 0.81 1.08 0.98 0.85
Price to Revenue (P/Rev)		 2.61 1.96 1.41 1.38 1.95 1.92 1.94 2.20 2.80 2.48 2.12
Price to Earnings (P/E)		 13.79 10.52 8.49 8.07 24.89 33.92 37.11 0.00 0.00 0.00 207.38
Dividend Yield		 1.63% 1.70% 2.14% 2.10% 1.49% 1.56% 1.59% 1.68% 1.61% 1.74% 1.97%
Earnings Yield		 7.25% 9.51% 11.78% 12.39% 4.02% 2.95% 2.69% 0.00% 0.00% 0.00% 0.48%
Enterprise Value to Invested Capital (EV/IC)		 0.93 0.74 0.64 0.70 0.84 0.62 0.83 0.57 0.70 0.62 0.56
Enterprise Value to Revenue (EV/Rev)		 4.92 3.93 2.59 2.45 3.12 2.45 3.50 3.44 3.74 3.13 2.76
Enterprise Value to EBITDA (EV/EBITDA)		 17.67 14.49 10.77 10.03 24.35 23.92 35.90 0.00 0.00 0.00 97.93
Enterprise Value to EBIT (EV/EBIT)		 20.91 16.78 12.49 11.44 31.24 33.54 51.08 0.00 0.00 0.00 2,389.58
Enterprise Value to NOPAT (EV/NOPAT)		 26.52 21.27 15.83 14.54 41.93 46.28 71.21 0.00 0.00 0.00 269.70
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 0.00 42.81 48.31 20.52 39.33 0.00 15.27 10.97 6.22
Enterprise Value to Free Cash Flow (EV/FCFF)		 26.68 92.82 8.98 2.37 4.94 2.84 131.63 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.50 1.65 1.28 1.04 1.08 1.18 1.25 1.18 1.01 0.96 0.93
Long-Term Debt to Equity		 1.50 1.65 1.28 1.04 1.08 1.18 1.25 1.18 1.01 0.96 0.93
Financial Leverage		 1.29 1.57 1.32 1.32 1.28 1.41 1.26 1.12 1.04 1.06 1.07
Leverage Ratio		 10.87 11.65 12.30 12.73 13.05 13.14 13.22 12.12 12.06 12.16 12.11
Compound Leverage Factor		 10.87 11.65 12.30 12.73 13.05 13.14 13.22 12.12 12.06 11.46 12.11
Debt to Total Capital		 59.94% 62.23% 56.05% 50.86% 52.02% 54.05% 55.57% 54.20% 50.23% 48.94% 48.17%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 59.94% 62.23% 56.05% 50.86% 52.02% 54.05% 55.57% 54.20% 50.23% 48.94% 48.17%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.12% 0.12% 0.16% 0.20% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 40.06% 37.77% 43.95% 49.14% 47.98% 45.95% 44.43% 45.80% 49.77% 51.06% 51.60%
Debt to EBITDA		 11.39 12.14 9.47 7.32 15.05 20.96 23.95 -20.78 -69.55 -75.33 84.82
Net Debt to EBITDA		 8.26 7.25 4.90 4.35 9.10 5.20 16.03 -7.85 -24.40 -19.72 22.63
Long-Term Debt to EBITDA		 11.39 12.14 9.47 7.32 15.05 20.96 23.95 -20.78 -69.55 -75.33 84.82
Debt to NOPAT		 17.09 17.82 13.92 10.60 25.92 40.55 47.51 -24.22 -53.30 -56.12 233.58
Net Debt to NOPAT		 12.40 10.64 7.21 6.31 15.67 10.05 31.81 -9.15 -18.70 -14.69 62.32
Long-Term Debt to NOPAT		 17.09 17.82 13.92 10.60 25.92 40.55 47.51 -24.22 -53.30 -56.12 233.58
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.25%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 21 -32 58 383 216 338 -3.91 -547 -238 -157 -107
Operating Cash Flow to CapEx		 -655.53% -502.84% 312.25% 4,563.08% -545.30% 80.07% -154.89% 260.66% 9,790.40% 914.07% 4,297.76%
Free Cash Flow to Firm to Interest Expense		 0.69 -0.75 1.05 6.30 3.38 5.07 -0.06 -7.74 -3.65 -2.59 -1.77
Operating Cash Flow to Interest Expense		 -0.55 -0.44 0.20 0.80 -0.22 0.04 -0.03 0.06 1.19 0.33 0.95
Operating Cash Flow Less CapEx to Interest Expense		 -0.63 -0.53 0.14 0.79 -0.26 -0.01 -0.06 0.04 1.18 0.30 0.93
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.05 0.05 0.04 0.04 0.04 0.03 0.03 0.03 0.04
Fixed Asset Turnover		 8.39 9.11 9.77 9.95 9.70 9.28 10.20 8.59 8.91 9.10 11.07
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,765 1,934 1,644 1,468 1,534 1,606 1,653 1,971 1,789 1,775 1,783
Invested Capital Turnover		 0.19 0.19 0.24 0.25 0.25 0.23 0.24 0.19 0.20 0.21 0.21
Increase / (Decrease) in Invested Capital		 0.36 52 -51 -361 -231 -327 8.87 504 255 169 130
Enterprise Value (EV)		 1,643 1,438 1,049 1,026 1,291 991 1,377 1,119 1,255 1,093 992
Market Capitalization		 873 716 569 578 809 776 762 716 940 865 763
Book Value per Share		 $20.96 $21.62 $21.40 $21.45 $21.92 $21.97 $21.78 $26.96 $21.15 $21.62 $22.00
Tangible Book Value per Share		 $20.38 $21.01 $20.79 $20.84 $21.35 $21.40 $21.21 $26.38 $20.69 $21.16 $21.54
Total Capital		 1,767 1,936 1,646 1,471 1,534 1,606 1,653 1,971 1,789 1,775 1,783
Total Debt		 1,059 1,205 923 748 798 868 918 1,069 899 869 859
Total Long-Term Debt		 1,059 1,205 923 748 798 868 918 1,069 899 869 859
Net Debt		 769 719 478 445 482 215 615 404 315 227 229
Capital Expenditures (CapEx)		 2.60 3.74 3.51 1.07 2.62 3.48 1.51 1.61 0.79 2.21 1.34
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 3.30 0.00 0.00 4.84 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 1,057 1,202 920 745 798 868 918 1,069 899 869 859
Total Depreciation and Amortization (D&A)		 3.52 2.53 3.47 3.01 2.67 2.72 2.99 3.20 2.25 2.15 2.12
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.66 $0.60 $0.22 $0.66 ($0.51) $0.32 $0.15 ($1.43) $0.52 $0.28 $0.55
Adjusted Weighted Average Basic Shares Outstanding		 33.83M 33.81M 33.70M 33.58M 33.60M 33.72M 33.49M 42.11M 41.92M 41.83M 41.75M
Adjusted Diluted Earnings per Share		 $0.64 $0.60 $0.22 $0.66 ($0.52) $0.31 $0.15 ($1.43) $0.53 $0.28 $0.55
Adjusted Weighted Average Diluted Shares Outstanding		 33.83M 33.81M 33.70M 33.58M 33.60M 33.72M 33.49M 42.11M 41.92M 41.83M 41.75M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 33.83M 33.81M 33.70M 33.58M 33.60M 33.72M 33.49M 42.11M 41.92M 41.83M 41.75M
Normalized Net Operating Profit after Tax (NOPAT)		 22 20 7.05 22 -15 11 4.96 -43 17 12 23
Normalized NOPAT Margin		 20.48% 19.61% 6.38% 21.63% -14.45% 11.43% 5.02% -130.04% 15.16% 11.24% 20.86%
Pre Tax Income Margin		 25.76% 24.83% 8.07% 27.94% -20.65% 14.56% 6.40% -185.77% 16.19% 14.50% 27.03%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.88 0.59 0.16 0.46 -0.33 0.20 0.09 -0.88 0.28 0.27 0.49
NOPAT to Interest Expense		 0.70 0.47 0.13 0.36 -0.23 0.16 0.07 -0.61 0.26 0.20 0.38
EBIT Less CapEx to Interest Expense		 0.80 0.50 0.10 0.44 -0.37 0.15 0.07 -0.90 0.26 0.23 0.47
NOPAT Less CapEx to Interest Expense		 0.62 0.38 0.06 0.34 -0.27 0.11 0.05 -0.64 0.25 0.16 0.36
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 19.74% 17.89% 18.20% 17.11% 39.18% 56.30% 62.37% -23.82% -81.38% -95.34% 392.60%
Augmented Payout Ratio		 136.03% 44.23% 21.56% 24.10% 55.20% 76.69% 99.38% -38.76% -129.35% -182.77% 749.09%

Key Financial Trends

Amerant Bancorp (NASDAQ:AMTB) has demonstrated a generally improving financial performance through the recent quarters into 2025 after a challenging period in 2023. Here are the key points and trends observed from the last four years, focusing on the most recent quarter (Q2 2025) compared with prior periods:

  • Growth in Net Income: The company’s consolidated net income improved substantially to $23.0 million in Q2 2025 from $11.96 million in Q1 2025 and a loss in Q3 2024. This signals a solid turnaround from past losses in 2023.
  • Increasing Net Interest Income: Net interest income rose to approximately $90.5 million in Q2 2025, up from $85.9 million in Q1 2025, driven mainly by higher loans and leases interest income ($122.2 million) outperforming the interest expenses ($60.6 million).
  • Strong Operating Cash Flows: Net cash from continuing operating activities rose significantly to $57.6 million in Q2 2025, up from $20.2 million in Q1 2025, indicating improving cash generation from core operations.
  • Deposits Growth in Prior Periods: There was a notable increase in total deposits through 2023 and early 2024, with accumulated non-interest bearing and interest bearing deposits growing, supporting asset growth.
  • Reduction in Provision for Loan Losses Recently: Provision for credit losses has decreased significantly from $19.0 million in Q3 2024 to $6.06 million in Q2 2025, which may indicate improving credit quality.
  • Stable Share Count: Weighted average diluted shares outstanding remained steady around 41.7 million in 2025 quarters, indicating no recent dilution impact on earnings per share.
  • Consistent Dividend Payments: The company continued to pay dividends quarterly around $0.09 per share, reflecting a commitment to returning capital to shareholders.
  • Capital Levels: Total common equity was $920 million as of Q2 2025, showing steady capitalization with improving retained earnings. However, the company has a substantial $858.9 million of long-term debt on the balance sheet.
  • Investment Securities Activity: Significant outflows in investment securities purchases ($246.8 million in Q2 2025) versus sales/maturities ($46.1 million) impacted investing cash flows negatively, with net investing cash outflow of $202 million in latest quarter.
  • Deposit Outflow in Q2 2025: Deposits decreased markedly by $371.9 million in Q2 2025, which could pressure liquidity and lending capacity if the trend continues.

Overall Summary: Amerant Bancorp has shown a return to profitability with growing net income and net interest income in the first half of 2025, recovering from significant losses in 2023. Operating cash flows have strengthened, and credit loss provisions are declining, supporting a positive operational outlook. However, the company faces pressure from large investment activities and recent deposit outflows that warrant monitoring. Its capital base remains solid, though ongoing debt management and deposit stability are key areas of focus as it continues its growth trajectory.

08/18/25 04:08 PMAI Generated. May Contain Errors.

Frequently Asked Questions About Amerant Bancorp's Financials

When does Amerant Bancorp's fiscal year end?

According to the most recent income statement we have on file, Amerant Bancorp's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Amerant Bancorp's net income changed over the last 8 years?

Amerant Bancorp's net income appears to be on a downward trend, with a most recent value of -$15.75 million in 2024, falling from $23.58 million in 2016. The previous period was $30.79 million in 2023.

How has Amerant Bancorp's revenue changed over the last 8 years?

Over the last 8 years, Amerant Bancorp's total revenue changed from $254.20 million in 2016 to $335.87 million in 2024, a change of 32.1%.

How much debt does Amerant Bancorp have?

Amerant Bancorp's total liabilities were at $9.01 billion at the end of 2024, a 0.3% increase from 2023, and a 17.3% increase since 2017.

How much cash does Amerant Bancorp have?

In the past 7 years, Amerant Bancorp's cash and equivalents has ranged from $19.49 million in 2022 to $47.23 million in 2023, and is currently $39.20 million as of their latest financial filing in 2024.

How has Amerant Bancorp's book value per share changed over the last 8 years?

Over the last 8 years, Amerant Bancorp's book value per share changed from 0.00 in 2016 to 21.15 in 2024, a change of 2,114.7%.


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This page (NYSE:AMTB) was last updated on 8/18/2025 by MarketBeat.com Staff
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