Amerant Bancorp Inc.
AMTBNYSEFinancials · National Commercial Banks · FL · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $52.4M | −$15.8M | $32.5M | $63.3M | $112.9M | −$1.7M |
| Total assets | $9.78B | $9.90B | $9.72B | $9.13B | $7.64B | $7.77B |
| Total liabilities | $8.84B | $9.01B | $8.98B | $8.42B | $6.81B | $6.99B |
| Equity | $938.8M | $890.5M | $736.1M | $705.7M | $831.9M | $783.4M |
| EPS (diluted) | $1.26 | $-0.44 | $0.96 | $1.85 | $3.01 | $-0.04 |
| Shares out. | 41.9M | 33.6M | 33.8M | 34.6M | 35.9M | 41.7M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- —
- Return on equity
- 5.6%
- Return on assets
- 0.5%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 90.4%
- Debt / equity
- 9.41×
- Book value / share
- $22.39
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- —
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −0.9%clean
- Piotroski F-Score
- 5/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 severe● 1 warning● 2 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Risk flags
late SEC filings- NT 10-Kmissed a reporting deadline ↗Mar 17, 2021
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Vanguard Capital Management LlcPassive (13G)Apr 29, 2026
- Vanguard Group IncPassive (13G)Mar 26, 2026
- Blackrock, Inc.Passive (13G)Apr 24, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 1.3M | 6.4 | +14.5% |
| Apr 30, 2026 | 1.1M | 3.3 | -5.0% |
| Apr 15, 2026 | 1.2M | 5.3 | -7.6% |
| Mar 31, 2026 | 1.3M | 5.1 | +4.9% |
| Mar 13, 2026 | 1.2M | 3.9 | +35.5% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Director / officer changeMay 29, 2026
- Regulation FD disclosureMay 26, 2026
- Director / officer change · Regulation FD disclosureMay 19, 2026
- Results of operations · Regulation FD disclosure · Other material eventApr 23, 2026
- Director / officer changeApr 10, 2026
- Regulation FD disclosureFeb 11, 2026
- Results of operations · Regulation FD disclosure · Other material eventJan 22, 2026
- Entered a material agreementJan 7, 2026
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.