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Amerant Bancorp Inc. key statistics and ratios

In fiscal 2025, Amerant Bancorp Inc. had return on equity of 5.7% and a net margin of 11.9%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2016Dec 20162017Dec 20172018Dec 20182019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Net margin9.3%15.3%16.8%19.0%−0.7%34.7%19.0%7.8%−4.7%11.9%13.4%
Return on equity3.3%5.9%6.1%6.5%−0.2%14.0%8.2%4.5%−1.9%5.7%6.1%
Return on assets—0.5%0.6%0.6%−0.0%1.5%0.8%0.3%−0.2%0.5%0.6%
Effective tax rate30.2%44.1%20.4%19.8%—23.4%21.2%25.5%—20.7%20.6%
Dividends ÷ net income0.0%0.0%87.3%0.0%—0.0%19.3%37.1%—28.8%26.2%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

37 /100

Weak moat

How hard Amerant Bancorp's competitive advantage looks for rivals to wear away, judged from 9 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 4 / 20

    Net income has been a median 0.5% of total assets over 9 years.

  • Durability 5 / 20

    Net margin has been a median 16.0%; its worst year was 1.0%.

  • Discipline 16 / 20

    The diluted share count rose 2.9% over five years; stock-based pay has been a median 1.4% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (42 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

Head to head: AMTB vs SYBTAMTB vs STBAAMTB vs RBCAA

More: Regional Banks stocks compared, Financials sector, rankings of US companies

Figures from Amerant Bancorp Inc.'s SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Amerant Bancorp Inc.