)
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
- 7 FebPGIL
Strong 9MFY26 growth with 13.2% higher revenue, margin gains, and upgraded credit ratings. - 7 Feb504614
Strong revenue and profit growth in Q3 FY26, led by power and steel segments. - 7 FebCHEMPLASTS
Net losses widened and revenue fell year-over-year amid regulatory and market headwinds. - 7 FebSBIN
Q3 FY26 net profit reached ₹21,028.15 crore, driven by robust income and strategic divestments. - 6 FebHTOO
Resale registration for 71,429 shares via warrant, with proceeds only on exercise; financial risks persist. - 6 FebVSAT
Q3 revenue up 3% to $1.16B, net income $25M, strong cash flow, Ligado boost, satellite focus. - 6 FebWEC
Targets 7–8% EPS growth, $37.5B capex, and coal exit by 2032 amid surging data center demand. - 6 FebBR
Q2 FY26 recurring revenue grew 8% and adjusted EPS guidance was raised to 9-12%. - 6 FebFFWM
Merger vote includes new non-voting stock class with limited conversion and no voting rights. - 6 FebKKR
Charter amendments seek to modernize governance and establish one share, one vote by 2026.
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