NYSE$AMTB

Amerant Bancorp Inc · Q3 2023 earnings

Q3 2023 earnings · · Investor relations

Briefing

Reported improved operating results driven by strong organic deposit growth and reduced higher cost institutional deposits.

Amerant Bancorp Inc. reported a significantly improved net income attributable to the Company of $22.1 million, or $0.66 per diluted share, in the third quarter of 2023, compared to $7.3 million, or $0.22 per diluted share, in the second quarter of 2023. The company focused on organic deposit growth, enabling a reduction in higher-cost institutional deposits.

  • Total assets decreased to $9.3 billion, a decrease of 1.8% compared to the previous quarter.
  • Total gross loans were $7.14 billion, a decrease of 1.0% compared to the previous quarter.
  • Total deposits were $7.55 billion, down 0.4% from the previous quarter, but included $208 million in organic deposit growth.
  • Net Interest Margin (NIM) was 3.57% in 3Q23, compared to 3.83% in 2Q23.

Headline financials

Total Revenue

$100M

Previous: $85.9M+17.1%
EPS (adj)

$0.64

Previous: $0.63+1.6%
Net Interest Margin

3.6%

Previous: 3.6%-1.1%
Efficiency Ratio

64.1%

Previous: 65.4%-1.9%
Loan to Deposit Ratio

94.6%

Previous: 98.7%-4.1%
Capital Expenditures

-$8.32M

Previous: -$8.03M-3.5%
Free Cash Flow

$13.8M

Previous: $12.9M+7.1%
Net Income

$22.1M

Previous: $20.9M+5.7%
Operating Income

$14.1M

Previous: $44.3M-68.0%
Gross Profit

$92.5M

Previous: $82.9M+11.6%
Cash & Equivalents

$251M

Previous: $256M-1.9%
Total Assets

$9.35B

Previous: $8.74B+6.9%
Stock-Based Comp

$1.54M

Previous: $1.65M-6.8%

Revenue & EPS history

Amerant · Revenue · Quarterly

$100M

Q3 2023+17.1%vs Q3 2022
Beat estimate in 11 of 15 quarters(73%)
ActualEstimate

Forward guidance

The Company looks forward to completing the systems conversion in the fourth quarter and focusing on business development and customer service.

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 Q3 2023

Historical avgQ3 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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