NYSE$AMTB

Amerant Bancorp Inc · Q1 2021 earnings

Q1 2021 earnings · · Investor relations

Briefing

Reported net income of $14.5 million and diluted earnings per share of $0.38.

Amerant Bancorp Inc. reported a net income of $14.5 million, or $0.38 per diluted share, for the first quarter of 2021. This represents an increase compared to both the previous quarter and the same quarter of the prior year. The positive results were primarily driven by higher non-interest income and lower expenses. The company originated $81.5 million in Paycheck Protection Program (“PPP”) loans and Reached $2 billion in Assets Under Management (“AUM”).

  • Net income was $14.5 million, up 70.7% from the previous quarter and 327.5% from Q1 2020.
  • Net Interest Income (NII) was $47.6 million, a decrease of 2.2% from the previous quarter and 3.4% from Q1 2020.
  • Noninterest income increased by 23.0% to $14.2 million compared to the fourth quarter of 2020.
  • Noninterest expense decreased by 15.5% to $43.6 million compared to the fourth quarter of 2020.

Headline financials

Total Revenue

$61.7M

Previous: $71.1M-13.2%
EPS (adj)

$0.39

Previous: $0.08+387.5%
Efficiency Ratio

70.7%

Previous: 63.1%+12.0%
Return on Assets

0.8%

No prior period
Return on Equity

7.5%

No prior period
Capital Expenditures

-$805K

Previous: -$1.32M+39.1%
Free Cash Flow

$13.7M

Previous: $2.06M+562.5%
Net Income

$14.5M

Previous: $3.38M+327.5%
Operating Income

$37.3M

Previous: $16.9M+120.3%
Gross Profit

$61.7M

Previous: $49.1M+25.6%
Cash & Equivalents

$234M

Previous: $271M-13.9%
Total Assets

$7.75B

Previous: $8.1B-4.3%
Stock-Based Comp

$757K

Previous: $392K+93.1%

Revenue & EPS history

Amerant · Revenue · Quarterly

$61.7M

Q1 2021-13.2%vs Q1 2020
Beat estimate in 9 of 13 quarters(69%)
ActualEstimate

Forward guidance

Amerant will focus on core deposit growth, building brand awareness, rationalizing business lines and geographies, driving cost efficiencies, and optimizing capital to improve performance.

Tailwinds

  • Focus on core deposit growth.
  • Building brand awareness.
  • Rationalizing business lines and geographies.
  • Driving cost efficiencies across the business.
  • Optimizing capital.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2021

Historical avgQ1 2021

-0.6%

Avg return

Earnings day

+0.4%

Avg return

5 days after

+5.6%

Avg return

30 days after

54%

19 / 35 earnings

Positive

+16.5%

Q1 2020

Best reaction

-13.1%

Q1 2025

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+1.5%-4.7%-7.0%
Q4 2025-4.5%-6.0%+1.7%
Q3 2025-3.7%-4.3%+7.5%
Q2 2025-3.1%-1.8%+2.8%
Q1 2025-13.1%-12.4%-12.4%
Q4 2024+3.3%+3.5%-0.2%
Q3 2024+0.1%+6.6%+24.5%
Q2 2024-9.2%-18.2%-17.4%
Q1 2024-2.8%-3.7%-1.8%
Q4 2023+2.2%+0.5%-8.9%
Q3 2023-9.4%-10.2%+11.0%
Q2 2023-2.8%-1.9%-1.5%
Q1 2023-4.6%-5.3%-5.8%
Q4 2022+2.2%-0.3%+6.9%
Q3 2022+6.7%+12.7%+11.2%
Q2 2022-8.5%-8.2%-3.2%
Q1 2022+1.5%-4.4%-1.7%
Q4 2021-0.6%+3.4%-1.9%
Q3 2021-0.4%-0.4%+17.3%
Q2 2021+1.4%+2.9%+11.8%
Q1 2021+1.4%+10.8%+34.6%
Q4 2020+0.1%+6.5%+13.2%
Q3 2020+6.9%+16.8%+64.1%
Q2 2020-9.9%-3.5%-3.4%
Q1 2020+16.5%+6.7%+1.7%
Q4 2019-5.4%-3.6%-6.3%
Q3 2019+0.3%+2.2%+11.6%
Q2 2019-1.6%+3.0%-6.8%
Q1 2018+0.8%-0.8%+3.4%
Q1 2019+7.2%+17.3%+24.2%
Q4 2016+10.9%+14.9%+28.9%
Q4 2018+5.6%+5.3%+18.9%
Q3 2018-11.2%-11.8%-31.4%
Q2 2018+0.3%
Q4 2017+0.3%
Q3 2017
Q2 2017
Q1 2017

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