NYSE$AMTB

Amerant Bancorp Inc · Q2 2023 earnings

Q2 2023 earnings · · Investor relations

Briefing

Reported net income of $7.3 million, driven by strong organic deposit growth and a solid net interest margin.

Amerant Bancorp Inc. reported a net income attributable to the company of $7.3 million, or $0.22 per diluted share, for the second quarter of 2023. The company saw strong organic deposit growth and solid growth in pre-provision net revenue, driven primarily by a strong net interest margin.

  • Total assets increased $24.2 million, or 0.3%, to $9.5 billion compared to 1Q23.
  • Total gross loans increased $101.9 million, or 1.4%, to $7.22 billion compared to $7.12 billion in 1Q23.
  • Total deposits were $7.58 billion, up $292.8 million, or 4.0%, compared to $7.29 billion in 1Q23.
  • Pre-provision net revenue was $38.3 million in 2Q23, an increase of $1.1 million or 2.9%, compared to $37.2 million in 1Q23.

Headline financials

Total Revenue

$110M

Previous: $71.9M+53.7%
EPS (adj)

$0.24

Previous: $0.45-46.7%
Net Interest Margin

3.8%

Previous: 3.3%+16.8%
Efficiency Ratio

65.6%

Previous: 86.6%-24.2%
Loan to Deposit Ratio

95.2%

No prior period
Capital Expenditures

-$7.25M

Previous: -$4.49M-61.3%
Free Cash Flow

$61K

Previous: $3.18M-98.1%
Net Income

$7.31M

Previous: $7.67M-4.8%
Operating Income

$4.46M

Previous: $41.1M-89.2%
Gross Profit

$81.4M

Previous: $71.9M+13.3%
Cash & Equivalents

$411M

Previous: $354M+16.0%
Total Assets

$9.52B

Previous: $8.15B+16.8%
Stock-Based Comp

$1.66M

Previous: $1.28M+29.8%

Revenue & EPS history

Amerant · Revenue · Quarterly

$110M

Q2 2023+53.7%vs Q2 2022
Beat estimate in 11 of 15 quarters(73%)
ActualEstimate

Forward guidance

The company remains keenly focused on driving profitable growth and achieving its goal of becoming the bank of choice in the markets it serves.

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 Q2 2023

Historical avgQ2 2023

-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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