Sep 2026 (Q3 FY26) — Oct 23, 2026
Amerant Q3 FY26 — Strong Profitability and Capital Position, Share Repurchase Authorized
Read the full callAmerant (AMTB) earnings
- Jun 2026
- Sep 2026 (Q3 FY26)
- Dec 2025
Amerant earnings: last reported Fri, 23 Oct 2026, for the quarter ended Sep 2026.
Reported
The figures, each with its period
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | Quarterly, as filed | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Operating margin | Operating profit / revenue | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Net profit | 21.0 | −8.5% YoY | Quarterly, as filed | Quarter to Jun 2026 | Profit after tax as filed. |
Guidance
What management said, and what became of it
3 of 3 judged targets kept · 6 open · verdicts reflect calls analysed to Sep 2026.
| Target | Original wording | Said | Latest call | Verdict |
|---|---|---|---|---|
| Net interest margin | approximately 3.50% | Jun 2026 | Net interest margin was 3.77% compared to 3.52% in the second quarter. | Achieved |
| Total deposits | approximately $9.1 billion | Jun 2026 | we are revising our total deposit guidance to approximately $8.5 billion by the fourth quarter of 2026. | Revised Down |
| Gross charge-offs | 30 to 35 basis points | Sep 2026 | We estimate gross charge-offs to be in the range of 30 to 35 basis points for the fourth quarter, including some possible write-offs of existing specific reserves. | New |
6 of Amerant Bancorp Inc.'s 9 targets are still open. See which are on track and which have gone quiet. The 3 above are the free sample; 6 more targets are in the full ledger.
Claimed
Qualified
Price
$30.06 +1.35% · +$0.4
Performance +69.7% 1Y
1Y: $17.71 on 22 Oct 2025 → $30.06. High $30.58 (28 Jul 2026), low $16.7 (6 Nov 2025).
- Previous close
- $29.66
- 52-week range
- $16.7 – $30.58
- One year
- +76.93%
Overview
- Symbol
- AMTB
- Sector
- Financials
- Exchange
- US
- Currency
- USD
Guidance
What management said, and what became of it
3 of 3 judged targets kept · 6 open · verdicts reflect calls analysed to Sep 2026.
| Target | Original wording | Said | Latest call | Verdict |
|---|---|---|---|---|
| Net interest margin | approximately 3.50% | Jun 2026 | Net interest margin was 3.77% compared to 3.52% in the second quarter. | Achieved |
| Total deposits | approximately $9.1 billion | Jun 2026 | we are revising our total deposit guidance to approximately $8.5 billion by the fourth quarter of 2026. | Revised Down |
| Gross charge-offs | 30 to 35 basis points | Sep 2026 | We estimate gross charge-offs to be in the range of 30 to 35 basis points for the fourth quarter, including some possible write-offs of existing specific reserves. | New |
Claimed
Qualified
The full ledger
Open Amerant Bancorp Inc.’s full ledger
A free account opens 5 company ledgers a month. All 9 tracked commitments, with each call’s wording and source.
Call summaries
Jun 2026 (Q2 FY26) — Jul 24, 2026
Amerant Bancorp Q2 FY26 — Strong Deposit Growth and Improved Profitability
Read the full callEvery analysed call
Amerant earnings calls (AMTB)
Financials
What the filings say
Net profit, year on year: −9% (quarter to jun 2026 against jun 2025).
| Line item | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Profit before tax | -62 | 18 | 15 | 30 | 19 | 2 | 23 | 27 |
| Tax rate | 22.2% | 6.3% | 22.5% | 22.8% | 22.4% | −41.6% | 22.1% | 22.4% |
| Net profit | -48 | 17 | 12 | 23 | 15 | 3 | 18 | 21 |
| EPS ($ per share) | -1.43 | — | 0.28 | 0.55 | 0.35 | — | 0.44 | 0.54 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Equity capital | — | — | — | 4 | 3 | 3 | 4 | 4 |
| Reserves | 394 | 444 | 442 | 553 | 590 | 611 | 582 | 620 |
| Total liabilities | 7,377 | 7,151 | 6,987 | 6,807 | 8,422 | 8,980 | 9,011 | 8,838 |
| Fixed assets | 124 | 129 | 110 | 38 | 42 | 44 | 32 | 23 |
| Total assets | 8,124 | 7,985 | 7,771 | 7,638 | 9,128 | 9,716 | 9,902 | 9,777 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Cash from operations | 62 | 78 | 57 | 67 | -49 | 27 | 82 | 137 |
| Cash from investing | 207 | 206 | 286 | 385 | -1,397 | -607 | -577 | -48 |
| Cash from financing | -336 | -249 | -251 | -393 | 1,463 | 611 | 763 | -209 |
| Net cash flow | -68 | 36 | 93 | 60 | 16 | 31 | 268 | -120 |
| Capital expenditure | -10 | -14 | -6 | -7 | -11 | -11 | -7 | -8 |
| Free cash flow | 52 | 64 | 52 | 61 | -60 | 16 | 75 | 129 |
AMTB operating KPIs by quarter
| KPI | Jun 2026 Q2 FY26 | Sep 2026 Q3 FY26 | Change vs prior quarter |
|---|---|---|---|
| Assets under management (AUM) | $3.4BOur assets under management decreased $53 million to $3.4 billion in the second quarter.Source: earnings call transcript | $3.45BWe are pleased to report that our assets under management increased $77.9 million to $3.45 billion in the third quarter, driven primarily by net new assets of $76.5 million.Source: earnings call transcript | +1.5% |
| Net interest margin | 3.52%The interest margin was 3.52% compared to 3.55% in the first quarter.Source: earnings call transcript | 3.77%Net interest margin was 3.77% compared to 3.52% in the second quarter.Source: earnings call transcript | +0.3 pt |
| Efficiency ratio | 68.37%Our efficiency ratio was 68.37% compared to 68.52% in the first quarter.Source: earnings call transcript | 63.51%Our efficiency ratio was 63.51% compared to 68.37% in the second quarter.Source: earnings call transcript | -4.9 pt |
Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.
Insider filings
65 filings between Nov 18, 2025 and Oct 8, 2026.
Open market
decisions to buy or sellPurchases
$143.0K
3 purchases by 2 insiders
Sales
None
No insider sold shares.
Compensation
not trading decisions- 32
- Option exercise — converted options into shares
- 24
- Tax withheld — shares kept back by the company to cover tax
Also filed: 6 gifts.
Who traded
open market only| Insider | Bought | Sold | Last filing |
|---|---|---|---|
| Almeida Odilon | $101.1K | — | Jan 27, 2026 |
| Iafigliola Carlos | $41.9K | — | Apr 27, 2026 |
Latest filings (50)
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| Oct 8, 2026 | Nursey Michael E. See remarks | Tax withheld | 122 | $3.5K |
| Oct 8, 2026 | Nursey Michael E. See remarks | Option exercise | 500 | $0 |
| Jul 21, 2026 | Cragg Lee Ann SEVP, Chief Credit Officer | Option exercise | 201 | $0 |
| Jul 21, 2026 | Cragg Lee Ann SEVP, Chief Credit Officer | Tax withheld | 49 | $1.3K |
| Jun 17, 2026 | Nursey Michael E. See remarks | Option exercise | 1,343 | $0 |
| Jun 17, 2026 | Nursey Michael E. See remarks | Tax withheld | 328 | $7.6K |
| Jun 1, 2026 | Calderon Sharymar SEVP - Chief Financial Officer | Option exercise | 3,971 | $0 |
| Jun 1, 2026 | Calderon Sharymar SEVP - Chief Financial Officer | Tax withheld | 967 | $21.3K |
| May 11, 2026 | Fleitas Armando EVP, Chief Accounting Officer | Option exercise | 834 | $0 |
| May 11, 2026 | Fleitas Armando EVP, Chief Accounting Officer | Tax withheld | 204 | $4.7K |
| May 7, 2026 | Suarez Oscar Director | Option exercise | 3,761 | $0 |
| May 7, 2026 | Quill John Walton Director | Option exercise | 3,761 | $0 |
| May 7, 2026 | Dana Pamella J Director | Option exercise | 3,761 | $0 |
| May 7, 2026 | Wilson Millar Director | Option exercise | 3,761 | $0 |
| May 7, 2026 | Almeida Odilon Director | Option exercise | 3,761 | $0 |
| May 7, 2026 | Marturet M. Gustavo Director | Option exercise | 3,761 | $0 |
| May 7, 2026 | Rucker Ashaki Director | Option exercise | 3,761 | $0 |
| May 7, 2026 | Knight Erin D. Director | Option exercise | 3,761 | $0 |
| May 7, 2026 | Lutoff-Perlo Lisa Director | Option exercise | 3,761 | $0 |
| Apr 27, 2026 | Iafigliola Carlos See remarks | Purchase | 885 | $20.2K |
| Mar 26, 2026 | Marturet M. Gustavo Director | Gift | 612,443 | $0 |
| Mar 3, 2026 | Nursey Michael E. See remarks | Tax withheld | 195 | $4.2K |
| Mar 3, 2026 | Nursey Michael E. See remarks | Option exercise | 800 | $0 |
| Feb 18, 2026 | Calderon Sharymar SEVP - Chief Financial Officer | Option exercise | 2,490 | $0 |
| Feb 18, 2026 | Sanchez Mariola See remarks | Tax withheld | 424 | $9.5K |
| Feb 18, 2026 | Sanchez Mariola See remarks | Option exercise | 1,740 | $0 |
| Feb 18, 2026 | Fleitas Armando EVP, Chief Accounting Officer | Tax withheld | 203 | $4.5K |
| Feb 18, 2026 | Fleitas Armando EVP, Chief Accounting Officer | Option exercise | 833 | $0 |
| Feb 18, 2026 | Iafigliola Carlos See remarks | Option exercise | 2,307 | $0 |
| Feb 18, 2026 | Calderon Sharymar SEVP - Chief Financial Officer | Tax withheld | 607 | $13.6K |
| Feb 18, 2026 | Iafigliola Carlos See remarks | Tax withheld | 562 | $12.6K |
| Feb 18, 2026 | Capriles Alberto SEVP Chief Risk Officer | Tax withheld | 479 | $10.7K |
| Feb 18, 2026 | Capriles Alberto SEVP Chief Risk Officer | Option exercise | 1,964 | $0 |
| Feb 18, 2026 | Eelman Anthony J. EVP, Chief Products Officer | Option exercise | 333 | $0 |
| Feb 18, 2026 | Rodriguez Adrian See remarks | Tax withheld | 203 | $4.5K |
| Feb 18, 2026 | Rodriguez Adrian See remarks | Option exercise | 833 | $0 |
| Feb 18, 2026 | Nursey Michael E. See remarks | Tax withheld | 187 | $4.2K |
| Feb 18, 2026 | Eelman Anthony J. EVP, Chief Products Officer | Tax withheld | 99 | $2.2K |
| Feb 18, 2026 | Nursey Michael E. See remarks | Option exercise | 666 | $0 |
| Feb 18, 2026 | Parra Pedro See Remarks | Tax withheld | 163 | $3.6K |
| Feb 18, 2026 | Parra Pedro See Remarks | Option exercise | 666 | $0 |
| Feb 17, 2026 | Calderon Sharymar SEVP - Chief Financial Officer | Option exercise | 3,057 | $0 |
| Feb 17, 2026 | Sanchez Mariola See remarks | Tax withheld | 802 | $18.2K |
| Feb 17, 2026 | Sanchez Mariola See remarks | Option exercise | 2,928 | $0 |
| Feb 17, 2026 | Fleitas Armando EVP, Chief Accounting Officer | Tax withheld | 495 | $11.3K |
| Feb 17, 2026 | Fleitas Armando EVP, Chief Accounting Officer | Option exercise | 1,667 | $0 |
| Feb 17, 2026 | Iafigliola Carlos See remarks | Tax withheld | 960 | $21.8K |
| Feb 17, 2026 | Iafigliola Carlos See remarks | Option exercise | 3,942 | $0 |
| Feb 17, 2026 | Capriles Alberto SEVP Chief Risk Officer | Tax withheld | 1,023 | $23.3K |
| Feb 17, 2026 | Capriles Alberto SEVP Chief Risk Officer | Option exercise | 3,656 | $0 |
Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.
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