AMTBNYSENational Commercial BanksFiscal year ends December 31
Amerant Bancorp Inc.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Jul 31, 2026
$28.50−0.46 (-1.59%)
Close on Oct 19, 2026
- Market cap
- $1.13B
- P/E (TTM)
- 20.5
- Dividend yield
- –
Margins
Share of revenue, fiscal years 2015 to 2025
Net margin
11.9%+12.6 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +30.8% | +9.6% | +10.8% | – | |
| Net income | – | -6.1% | – | – | |
| EPS, diluted | – | -12.0% | – | – | |
| Free cash flow | +72.8% | – | +20.1% | – |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 3.4% | -0.2% | 5.7% | |
| Return on assets | – | -0.0% | 0.5% | |
| Capex to revenue | 3.4% | 2.1% | 1.8% | |
| Diluted shares | 42M | 42M | 42M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Amerant Bancorp generated $362.49M from operations and spent $249.37M on capital expenditure, dividends and share buybacks. 17% of that went back into the business.
Generated
$362.49M
Used
$249.37M
Capital expenditure$43.29M17%Dividends$52.21M21%Share buybacks$153.88M62%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin11.9%
×Asset turnover0.04×
×Equity multiplier10.76×
=Return on equity, FY20255.7%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 11.9% | 0.04× | 10.76× | 5.7% |
| FY2024 | -4.7% | 0.03× | 12.06× | -1.9% |
| FY2023 | 7.8% | 0.04× | 13.07× | 4.5% |
| FY2022 | 19.0% | 0.04× | 10.90× | 8.2% |
| FY2021 | 34.7% | 0.04× | 9.54× | 14.0% |
| FY2020 | -0.7% | 0.03× | 9.74× | -0.2% |
| FY2019 | 19.0% | 0.03× | 10.18× | 6.5% |
| FY2018 | 16.8% | 0.03× | 11.03× | 6.1% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
5of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$52.42M
- Cash generatingOperating cash flow above zero$136.98M
- Return on assets improvedROA up on the prior year-0.2% → 0.5%
- Earnings backed by cashOperating cash flow above net income$136.98M vs $52.42M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise36M → 42M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.03 → 0.04