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what it is
Amerant is a Florida bank that takes deposits, makes loans, and sells wealth and trust services.
how it gets paid
Last year Amerant Bancorp made $597M in revenue. Core deposits and lending was the main engine at $432M, or 72% of sales.
why it's growing
Revenue grew 0.3% last year on ~$597M. Ignore triple-digit vs. prior year % on banks unless the comp quarter is clean—period mix and line definitions move the number.
what just happened
The latest quarter is on the order of ~$149M revenue (≈¼ of ~$597M FY) with EPS near $1.19 in this feed—if you see $450M, that is a different line or period label.
At a glance
C++ balance sheet — some cracks in the foundation
20/100 earnings predictability — expect surprises
13.2x trailing p/e — the market's not buying it — or you found a deal
1.7% dividend yield — cash in your pocket every quarter
-$0.44 fy2024 eps est
xvary composite: 46/100 — below average
What they do
Amerant is a Florida bank that takes deposits, makes loans, and sells wealth and trust services.
You are not picking a generic bank here. Amerant has 20 banking centers in Florida and 698 employees, so local relationships still matter. That makes leaving painful when your checking, loans, and trust accounts all sit in one place.
How they make money
$597M
annual revenue · their business grew +0.3% last year
Core deposits and lending
$432M
+0.0%
Service charges and account fees
$61M
+1.0%
Wealth management and fiduciary
$44M
+3.0%
Mortgage banking
$32M
−12.0%
Other noninterest income
$28M
+2.0%
The products that matter
retail and commercial banking
Amerant Bank
$6.6B loan book
it's the core bank. the $6.6B loan portfolio drives the $396.7M net interest income line that powers most of the business.
core engine
home loan origination
Amerant Mortgage
feeds the bank
this unit originates mortgages and can feed loans back into the bank's $6.6B portfolio. On this page, there is no evidence it is a stand-alone growth engine yet.
loan supply
wealth management and brokerage
Amerant Investments
~$165M fee rows (table)
management wants more fee income, and this is one path. the segment table sums service charges, wealth, mortgage, and other non-interest to about $165M—not $200M—so the story stays “mostly NII,” and any larger non-interest total has to come from a different filing line.
fee mix watch
Key numbers
$809M
long-term debt
Debt is 49% of capital. That is a lot of fixed claims for a bank with an $832M market cap.
$832M
market cap
The equity cushion is thin next to the debt stack.
13.2x
trailing p/e
You are paying 13.2 times trailing earnings for a bank with a jagged profit line.
1.7%
dividend yield
The payout is small. It does not erase the leverage risk.
Financial health
C++
strength
- balance sheet grade C++ — below average — limited financial resources
- risk rank 3 — safer than 50% of stocks
- price stability 45 / 100
- long-term debt $809M (49% of capital)
C++ — balance sheet grade and long-term debt are flagged. this stock carries more risk than average.
Total return vs. market
Return history isn't available for AMTB right now.
source: institutional data · return history unavailable
What just happened
beat estimates
Amerant printed about ~$149M in quarterly revenue (vs ~$597M FY) and $1.19 EPS in the latest print in this feed.
Prior copy used $450M and 195% vs. prior year—those do not reconcile to a ~$597M year without a non-revenue line or bad comp. Risk copy below cites Q4 EPS ~$0.39 (miss vs $0.53); the ~$1.19 print here is a different quarter/period label in this feed—do not merge them without the filing date.
~$149M
Q revenue (approx.)
$1.19
eps (Q)
n/a
n/a
eps vs. leverage
$1.19 EPS on a ~$149M revenue quarter is the check—pair it with credit quality and the ~$809M debt stack, not a bogus vs. prior year revenue %.
source: company earnings report, 2026
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What could go wrong
the #1 risk is turnaround execution under interim leadership.
med
Turnaround under interim leaders
The company appointed an interim CEO in November 2025 and an interim COO while launching a strategic shift. You are being asked to underwrite execution before the permanent leadership question is settled.
if execution slips, the stock loses the cheap-turnaround angle and starts looking like a small regional bank with weak earnings visibility.
med
earnings power is moving lower
Q4 EPS was $0.39 versus a $0.53 estimate, a 26% miss. Net income fell from $14.8M in Q3 to $2.7M in Q4, and consensus FY2024 EPS has been cut 19% to -$0.44.
that is not one bad line item. it means the market is revising the earnings base lower, which makes a low p/e less comforting than it looks.
med
regional concentration
As a Florida-focused bank with $9.8B in assets and a Houston presence, your investment is tied to local real estate, business formation, and credit conditions rather than a diversified national footprint.
regional softness can hit loan growth and credit quality at the same time. that is a rough setup for a bank already trying to stabilize profits.
profits fell from $14.8M to $2.7M in one quarter, EPS missed by 26%, and consensus EPS has been cut 19% to -$0.44. if the next few quarters do not show cleaner earnings, the buyback will read as confidence theater, not proof.
source: institutional data · regulatory filings · risk analysis
Pay attention to
earnings repair
net income off the $2.7M floor
The first thing you want to see is simple: quarterly profit moving away from $2.7M and back toward something that supports the current valuation.
capital return
$40M buyback execution
Approval is one thing. Actual repurchases are the signal. If management buys stock while earnings recover, that argument gets stronger.
leadership
permanent CEO appointment
The interim label matters. A permanent appointment would remove one of the clearest overhangs on the story and tell you who owns the plan.
core banking
net interest income at $90.2M
That line is the core engine. If it keeps sliding without a bigger fee-income offset, the turnaround rests on weaker economics than the stock is pricing in.
Analyst rankings
earnings predictability
20 / 100
that is a low score. in human-speak: this bank's earnings are hard to model, and the last quarter is a clean example of why.
source: institutional data
Institutional activity
institutional ownership data for AMTB is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$21
current price
n/a
target midpoint · n/a from current
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