NYSE$AMTB

Amerant Bancorp Inc · Q1 2025 earnings

Q1 2025 earnings · · After market close · Investor relations

Briefing

Amerant Bancorp reported Q1 2025 net income of $12.0M on revenue of $103.0M with diluted EPS of $0.28.

Amerant Bancorp posted net income of $12.0 million for the quarter ended March 31, 2025, on revenue of $103.0 million. Diluted EPS was $0.28 as the South Florida and Texas bank navigated deposit pricing and loan growth. Management discusses NIM, asset quality, and capital in the 10-Q.

  • Q1 net income $12.0M; revenue $103.0M.
  • Diluted EPS $0.28.
  • Deposit and loan growth in core markets.
  • Margin compression from funding costs is a watch item.

Headline financials

Total Revenue

$105M

Previous: $92.5M+14.0%
EPS (adj)

$0.28

Previous: $0.32-12.5%
Net Interest Margin

3.8%

No prior period
Efficiency Ratio

67.9%

No prior period
Return on Assets

0.5%

No prior period
Return on Equity

5.3%

No prior period
Loan to Deposit Ratio

88.5%

No prior period
Total Capital Ratio

13.4%

No prior period
Tier 1 Capital Ratio

11.8%

No prior period
Tier 1 Leverage Ratio

9.7%

No prior period
Common Equity Tier 1 Capital Ratio

11.1%

No prior period
Tangible Common Equity Ratio

8.7%

No prior period
Non-Performing Assets to Total Assets

1.4%

No prior period
Non-Performing Loans to Total Loans

1.7%

No prior period
ACL to Non-Performing Loans

79.8%

No prior period
ACL to Total Loans HFI

1.4%

No prior period
Net Charge-Offs to Average Loans HFI

0.2%

No prior period
Noninterest Expense to Avg Assets

2.9%

No prior period
Salaries & Benefits to Avg Assets

1.4%

No prior period
Other Operating Expenses to Avg Assets

1.5%

No prior period
Capital Expenditures

-$2.21M

Previous: -$3.48M+36.5%
Net Income

$12M

Previous: $10.6M+13.2%
Operating Income

$33.9M

Previous: -$11.9M+385.3%

Revenue & EPS history

Amerant · Revenue · Quarterly

$105M

Q1 2025+14%vs Q1 2024
Beat estimate in 11 of 15 quarters(73%)
ActualEstimate

Forward guidance

Bank outlook focuses on net interest income, credit quality, and capital returns.

Tailwinds

  • Deposit growth and stable credit trends support NII.
  • Capital ratios remain above regulatory minimums.

Headwinds

  • Rate cuts could compress net interest margins.
  • Commercial real estate and consumer credit are watch items.

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 2025

Historical avgQ1 2025

-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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