Amerant Bancorp
Runs deposit, credit, treasury, wealth, and fiduciary services from a Florida branch base.
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Profile
Provides banking, lending, treasury, investment, wealth, mortgage-focused, and fiduciary services through Amerant Bank and Amerant Investments. The franchise is centered in Florida, reports one consolidated segment, and is preparing risk and compliance systems for regulatory requirements tied to crossing the bank-size threshold.
Operates through Amerant Bank, N.A. and Amerant Investments, offering deposits, credit, treasury management, investment and wealth management, retail banking, mortgage-focused services, and fiduciary services. Management reports one consolidated segment rather than separate business lines.
The franchise is concentrated in Florida, with banking centers in South Florida and Tampa, and serves individuals, businesses, and select international customers. Current strategy centers on relationship banking, operating efficiency, client profitability, and risk-management capability.
Execution depends on deposit costs, loan spreads, credit quality, and bank regulation. Amerant is winding down Amerant Mortgage and Elant Bank & Trust while continuing in-footprint mortgage service, and its compliance program is preparing for requirements tied to crossing the bank-size threshold.
Company facts
Categories
Key statistics
Year to date +46.4% · Average volume (30d) 411.0K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Aug 12, 2026 | Stephens & Co. | Downgrade | Overweight | Equal Weight | ||
| Jan 26, 2026 | Piper Sandler | Reiterate | Overweight | $22 | $25 | |
| Jan 7, 2026 | Raymond James | Reiterate | Outperform | $21 | $23 | |
| Oct 29, 2025 | Piper Sandler | Reiterate | Overweight | $26 | $22 | |
| Oct 29, 2025 | Raymond James | Upgrade | Market Perform | Outperform | $36 | $21 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 23, 2026Q2 FY26 | $0.39 | $0.53 | +35.0% | $98.6M | $100.7M | +2.1% | +10.25% |
| Apr 23, 2026Q1 FY26 | $0.43 | $0.44 | +2.3% | $100.7M | $97.7M | −3.1% | −4.92% |
| Jan 22, 2026Q4 FY25 | $0.36 | $0.53 | +49.3% | $107.5M | $112.2M | +4.4% | −4.28% |
| Oct 28, 2025Q3 FY25 | $0.53 | $0.39 | −26.4% | $110.2M | $108.5M | −1.5% | −0.95% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $165.4M | $169.2M | $167.1M | $153.6M | $147.8M | $100.7M | |
| Gross profit | $86.5M | $102.5M | $93.9M | $93.1M | $87.2M | $96.0M | |
| Operating income | $15.4M | $29.8M | $19.0M | $1.9M | $22.9M | $27.1M | |
| Net income | $12.0M | $23.0M | $14.8M | $2.7M | $22.9M | $21.0M | |
| Diluted EPS | $0.28 | $0.55 | $0.35 | $0.07 | $0.44 | $0.53 | |
| Gross margin | 52.3% | 60.6% | 56.2% | 60.6% | 59.0% | 95.3% | |
| Operating margin | 9.3% | 17.6% | 11.4% | 1.2% | 15.5% | 26.9% |
Fiscal years (4-quarter sums)FY21 $308.6M · FY22 $382.2M · FY23 $551.2M · FY24 $574.9M · FY25 $655.2M
Balance sheet, Jun 30, 2026Cash & short-term investments $41.0M · Total debt $912.1M · Total assets $10.29B · Shareholders' equity $914.4M
Dividends
Raised for 3 straight years — most recently to $0.09 from $0.06 in Feb 2022. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 14, 2026 | Aug 14 | Aug 28 | $0.09 | |
| May 15, 2026 | May 15 | May 29 | $0.09 | |
| Feb 13, 2026 | Feb 13 | Feb 27 | $0.09 | |
| Nov 14, 2025 | Nov 14 | Nov 28 | $0.09 | |
| Aug 15, 2025 | Aug 15 | Aug 29 | $0.09 | |
| May 15, 2025 | May 15 | May 30 | $0.09 | |
| Feb 14, 2025 | Feb 14 | Feb 28 | $0.09 | |
| Nov 14, 2024 | Nov 14 | Nov 29 | $0.09 |
Ownership
Shares outstanding 39.18M · Float 34.75M · 88.7% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| Wellington Management Group LLP | 5.39M | 13.76% | 13F | Aug 14, 2026 |
| BlackRock, Inc. | 2.83M | 7.22% | 13F | Aug 7, 2026 |
| Manufacturers Life Insurance Company, the | 2.18M | 5.56% | 13F | Aug 14, 2026 |
| Patriot Financial Partners GP Ii, L.P. | 2.01M | 5.12% | 13F | Aug 13, 2026 |
| North Reef Capital Management LP | 1.86M | 4.74% | 13F | Aug 14, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Apr 27, 2026 | Carlos Iafigliola | officer: See remarks | +885 | $22.80 |
| Jan 30, 2026 | Carlos Iafigliola | officer: See remarks | +1,000 | $21.74 |
| Jan 27, 2026 | Odilon Almeida | director | +4,816 | $20.99 |
Peers
- BankUnited
South Florida bank peer in deposits, lending, and treasury services
- Seacoast Banking
Florida community-bank rival across branches, wealth, and lending
- SouthState
Larger Florida-headquartered Southeast bank across core banking lines
- Pinnacle Financial Partners
Southeast scale rival carrying Synovus and Pinnacle relationship banking
- Regions Financial
Large Southeast bank competing in Florida deposits, wealth, and loans
- Truist Financial
Top-10 bank with a dense Florida branch and treasury footprint
- Fifth Third
Growth-market regional bank expanding Florida commercial and wealth reach
- Valley National Bancorp
Florida-active regional peer in CRE, C&I, deposits, and wealth
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Amerant Bancorp | $28.84 | −0.05% | $1.13B | 20.8 | 11.3 | 2.0 | −7.2% |
| BankUnited | $46.39 | −0.01% | $3.37B | 13.0 | 10.9 | 1.8 | +3.9% |
| Seacoast Banking | $34.37 | 0.00% | $3.34B | 22.2 | 12.9 | 3.5 | +38.7% |
| SouthState | $105.98 | +0.00% | $10.28B | 11.1 | 10.8 | 3.2 | +1.2% |
| Pinnacle Financial Partners | $101.09 | +0.02% | $15.26B | 12.4 | 9.4 | 3.1 | +145.2% |
| Regions Financial | $30.33 | +0.02% | $25.88B | 12.4 | 11.1 | 2.7 | +2.2% |
| Truist Financial | $53.13 | +5.37% | $62.83B | 12.0 | 10.6 | 2.1 | +6.5% |
| Fifth Third | $54.60 | +0.14% | $49.43B | 18.6 | 11.9 | 3.3 | +45.2% |
| Valley National Bancorp | $13.92 | 0.00% | $7.71B | 11.6 | 9.8 | 2.6 | +13.3% |
| Median | 12.4 | 10.8 | 2.9 | +9.9% |