)
Visual
test
Amerant Bancorp
Amerant Bancorp (AMTB) investor relations material
Amerant Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary23 Jan, 2026
Executive summary
Approved a three-year strategic plan focused on stabilization, optimization, and sustainable growth, emphasizing credit quality, operational efficiency, and human capital development.
Immediate priorities include credit transformation, operational efficiency, and expense reduction initiatives.
Q4 2025 net income was $2.7M ($0.07/diluted share), down from $14.8M in Q3 2025; full-year 2025 net income was $52.4M ($1.26/diluted share) versus a net loss of $15.8M in 2024.
Initiated a share repurchase program and maintained quarterly dividends, reflecting confidence in long-term value creation.
Identified growth opportunities in Venezuela due to potential reopening of the oil sector and increased international deposit flows.
Financial highlights
Total assets at Q4 2025 were $9.8B, down from $10.4B sequentially and 1.3% year-over-year; total deposits fell to $7.8B from $8.3B.
Net interest income for Q4 2025 was $90.2M, down from $94.2M in the prior quarter; net interest margin declined to 3.78% from 3.92%.
Non-interest income for Q4 2025 was $22.0M, up 27.3% sequentially; non-interest expense increased to $106.8M, mainly due to restructuring, contract terminations, and impairment charges.
Diluted EPS for Q4 2025 was $0.07, down from $0.35 in the previous quarter; efficiency ratio worsened to 95.19% from 69.84%.
Assets under management and custody reached $3.3B, up 2.8% sequentially and 12.7% year-over-year.
Outlook and guidance
Projected loan and deposit growth of 7%-9% for 2026, with flat balances expected in 1Q 2026.
Net interest margin expected in the 3.65%-3.70% range; expenses projected at $70-$71M in 1H 2026, reducing to $67-$68M by year-end.
Deposit growth to match loan growth, with focus on improving noninterest-bearing deposit ratio.
Long-term targets include achieving a 1% ROA and 60% efficiency ratio by year-end 2026, with further improvements targeted for 2027-2028.
Continued prudent capital management balancing growth, buybacks, and dividends.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Latest summaries
- TimeTickerHeadlineOpen
- 5 FebMT
Net income rose to $3.2bn in 2025, with $6.5bn EBITDA and higher shareholder returns. - 5 FebBCE
2025 targets met with record margins; 2026 guidance: revenue/EBITDA growth, lower EPS. - 5 FebGEG
Net loss of $16.5M on $3.0M revenue, with 4% AUM growth and $51.2M cash on hand. - 5 FebNESTE
EBITDA and cash flow surged in 2025, driven by operational gains and renewables growth. - 5 FebLSPD
Revenue and gross profit rose, margins improved, and guidance was raised for fiscal 2026. - 5 FebTPR
Record revenue, margin expansion, and raised outlook, led by Coach's 25% sales growth. - 5 FebCARR
2026 outlook projects stable sales and profit, led by commercial, data center, and aftermarket growth. - 5 FebVRLLOG
Stable profit, ₹5 interim dividend, and 1:1 bonus share issue approved. - 5 FebGLAD
Net investment income was $11.3M as portfolio value and credit capacity expanded. - 5 FebALCO
Land sales and leasing drove improved profitability and strong cash flow amid citrus exit.
Next Amerant Bancorp earnings date
Q1 202623 Apr, 2026
Amerant Bancorp
Next Amerant Bancorp earnings date
Q1 202623 Apr, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Amerant Bancorp Inc is a bank holding company that operates through its principal subsidiary, Amerant Bank. The company provides personal and commercial banking, wealth management, and mortgage services to customers primarily in Florida and Texas. It offers services through branches, digital banking platforms, and business banking specialists. Amerant Bancorp Inc is headquartered in Coral Gables, Florida, and its shares are listed on the NASDAQ.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage