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Amerant Bancorp

Amerant Bancorp (AMTB) Q4 2025 Earnings

Reported Jan 22, 2026 at 5:01 PM ET · SEC Source

Q4 25 EPS

$0.07

MISS 80.28%

Est. $0.36

Q4 25 Revenue

$112.2M

BEAT +5.32%

Est. $106.5M

vs S&P Since Q4 25

+16.9%

BEATING MARKET

AMTB +28.0% vs S&P +11.1%

Full Year 2025 Results

FY 25 EPS

$1.26

MISS 18.84%

Est. $1.55

FY 25 Revenue

$439.3M

BEAT +1.92%

Est. $431.0M

Market Reaction

Did AMTB Beat Earnings? Q4 2025 Results

Amerant Bancorp delivered a deeply disappointing fourth quarter, posting earnings of just $0.07 per diluted share against a consensus estimate of $0.36, an 80.56% miss, as a wave of strategic credit actions and non-core charges overwhelmed the Florid… Read more Amerant Bancorp delivered a deeply disappointing fourth quarter, posting earnings of just $0.07 per diluted share against a consensus estimate of $0.36, an 80.56% miss, as a wave of strategic credit actions and non-core charges overwhelmed the Florida-based bank's bottom line. Revenue fell 25.1% year over year to $112.17 million, with the quarter defined by $29.20 million in non-core noninterest expenses that included loan transfer losses, contract termination costs, and CEO transition-related separation charges. Non-performing assets surged 53% year over year to $186.91 million, or 1.91% of total assets, underscoring the asset quality deterioration that management is now racing to address. Stripping out the noise, core net income came in at $21.67 million, or $0.53 per diluted share, offering a cleaner picture of the franchise's underlying capacity. Looking ahead, management projects a net interest margin of 3.65-3.70% for 2026, with annualized loan growth of 7-9% and core expenses declining progressively through year-end, as a three-year strategic plan centered on credit transformation and operational efficiency takes hold. A director's open-market share purchase following the results signaled at least some confidence that the worst may be behind the company.

Key Takeaways

  • • Net interest margin of 3.78% supported by declining deposit costs (2.34% vs 2.41% QoQ)
  • • Non-core charges of $29.2 million including $14.9 million losses on loans held for sale, $7.5 million contract termination costs, and $3.8 million staff separation costs
  • • Elevated credit deterioration with classified loans up 46.7% QoQ to $354.8 million and non-performing loans up 37.9% QoQ to $171.4 million
  • • Net charge-offs of 1.07% annualized, up from 0.39% in Q3 2025
  • • Noninterest income increased 27.3% QoQ to $22.0 million, aided by $3.3 million gain on sale-leaseback of two banking centers
  • • AUM increased 2.8% QoQ to $3.3 billion
24/7 Wall St

AMTB YoY Financials

Q4 2025 vs Q4 2024, source: SEC Filings

24/7 Wall St

AMTB Revenue by Segment

Business unit performance breakdown

“Amerant's fourth quarter reflected our significant efforts to position the bank for long-term success. We incurred elevated non-interest expenses and experienced ongoing credit normalization, both driven by our strategic actions to address key credit matters, enhance our risk-selection processes, and improve organizational efficiencies. During this period, we updated our strategic plan to prioritize sustainable growth supported by disciplined credit management and maintained a strong funding mix, high liquidity levels, and a solid capital position. We believe our full-year results underscore the resilience of our franchise, highlighted by a healthy financial margin and solid core PPNR. As we enter 2026, our priorities are clear: strengthen asset quality, optimize our balance sheet and operational processes, and accelerate profitable growth. I am confident in our team's dedication and the fundamentals of our business model. We remain committed to delivering value to our customers, communities, and shareholders.”

— Carlos Iafigliola, Q4 2025 Earnings Press Release

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