Amerant Bancorp (AMTB) Q3 2025 Earnings
Reported Oct 27, 2025 at 5:40 PM ET · SEC Source
Q3 25 EPS
$0.35
MISS 33.96%
Est. $0.53
Q3 25 Revenue
$111.4M
BEAT +1.12%
Est. $110.2M
vs S&P Since Q3 25
+36.9%
BEATING MARKET
AMTB +46.8% vs S&P +9.9%
Market Reaction
Did AMTB Beat Earnings? Q3 2025 Results
Amerant Bancorp delivered a sharply mixed third quarter of 2025, posting earnings that fell well short of Wall Street's expectations even as revenue held its ground. The South Florida-focused bank reported diluted EPS of $0.35, missing the $0.53 cons… Read more Amerant Bancorp delivered a sharply mixed third quarter of 2025, posting earnings that fell well short of Wall Street's expectations even as revenue held its ground. The South Florida-focused bank reported diluted EPS of $0.35, missing the $0.53 consensus estimate by 33.96%, as a surge in credit provisions more than doubled to $14.60 million from $6.06 million in Q2, reflecting a 42.9% quarter-over-quarter jump in non-performing assets to $139.90 million. Revenue of $111.44 million edged past the $110.20 million consensus by 1.12% and grew 9.1% year over year, supported by net interest margin expansion to 3.92%, though the bottom line absorbed the full force of deteriorating asset quality. The stock fell sharply in pre-market trading following the report. Total gross loans contracted 3.4% to $6.94 billion as management prioritized credit discipline over growth, a posture it expects to shift in Q4, guiding for roughly 2.5% loan growth, NIM near 3.75%, and core ROA improving to the mid-0.80% to low-0.90% range by year-end.
Key Takeaways
- • Net interest margin expansion to 3.92% from 3.81% driven by lower deposit costs
- • Net interest income increased 4.1% to $94.2 million
- • Average cost of total deposits declined to 2.41% from 2.53%
- • Core deposits grew 1.0% to $6.2 billion
- • AUM increased 3.4% to $3.17 billion
- • Cumulative interest-bearing deposit beta of 0.48
AMTB YoY Financials
Q3 2025 vs Q3 2024, source: SEC Filings
AMTB Revenue by Segment
Business unit performance breakdown
“While the Company continues to show strong pre-provision net revenue, our results this quarter show higher than expected provision for credit losses as we continued to proactively focus on addressing asset quality over growth this quarter”
— Jerry Plush, Q3 2025 Earnings Press Release
AMTB Earnings Trends
AMTB vs Market 30 Day Price Reactions
30-day stock return vs benchmark after each earnings
AMTB EPS Trend
Earnings per share: estimate vs actual
AMTB Revenue Trend
Quarterly revenue: estimate vs actual
AMTB Quarterly Results
4 quarters of earnings data
| Quarter | EPS Est. | EPS Act. | Surprise | Revenue | Rev. Surprise |
|---|---|---|---|---|---|
| Q4 25 MISS FY | $0.36 | $0.07 | -80.28% | $112.2M | +5.32% |
| FY Full Year | $1.55 | $1.26 | -18.84% | $439.3M | +1.92% |
| Q3 25 MISS | $0.53 | $0.35 | -33.96% | $111.4M | +1.12% |
| Q2 25 BEAT | $0.39 | $0.55 | +39.59% | $110.3M | +6.52% |
| Q1 25 MISS | $0.40 | $0.28 | -29.11% | $105.4M | +3.53% |