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An announcement from Amerant Bancorp ( (AMTB) ) is now available.
On December 30, 2025, Amerant Bancorp released an investor credit update detailing intensified efforts in the fourth quarter of 2025 to reinforce credit discipline and strengthen credit risk management ahead of year-end. During 2025, the bank’s Credit Administration and Credit Review functions, including a third-party firm, reassessed risk ratings across about 85% of its commercial and CRE loan commitments, with roughly $4.5 billion, or 73%, reviewed through financial statement and covenant analysis in the fourth quarter alone. Management increased oversight through weekly leadership meetings focused on special assets, added resources to accelerate portfolio reviews, and expanded coverage to validate risk ratings, while the Special Assets group pushed resolutions of criticized credits through loan sales and heightened collection efforts on previously charged-off loans. As part of criticized portfolio management, the company moved approximately $94 million of loans from held for investment to held for sale, recognizing a non-routine loss of about $16 million but positioning itself to reduce classified loans by $94 million upon expected sale closings in January 2026. The update showed that estimated non-performing loans rose to about $156.7 million in the fourth quarter of 2025, driven primarily by five loans placed on non-accrual status, with subsequent transfers of $19 million in non-accrual loans to held for sale expected to lower NPLs to around $137 million, while charge-offs of $23 million were partly offset by approximately $18 million in recoveries and previously recorded specific reserves. Special mention and classified loans saw active churn through downgrades, paydowns, charge-offs and loan sales, with a significant portion secured by real estate at relatively conservative loan-to-value ratios, underscoring Amerant’s attempt to clean up problem assets and bolster its balance sheet despite near-term credit costs.
The most recent analyst rating on (AMTB) stock is a Buy with a $22.00 price target. To see the full list of analyst forecasts on Amerant Bancorp stock, see the AMTB Stock Forecast page.
Spark’s Take on AMTB Stock
According to Spark, TipRanks’ AI Analyst, AMTB is a Outperform.
Amerant Bancorp’s overall stock score reflects a strong financial recovery and positive technical indicators, balanced by valuation concerns and challenges highlighted in the earnings call and recent corporate events. The company’s strategic initiatives and focus on improving asset quality and operational efficiency are positive, but risks remain with increased nonperforming assets and leverage.
To see Spark’s full report on AMTB stock, click here.
More about Amerant Bancorp
Amerant Bancorp, which trades on the NYSE under the ticker AMTB, operates in the banking sector, focusing on commercial and commercial real estate (CRE) lending as well as private banking services. The company emphasizes credit quality and risk management across its loan portfolio, with a particular focus on non-performing, special mention and classified loans, and seeks to maintain disciplined underwriting while pursuing sustainable, healthy growth.
Average Trading Volume: 284,473
Technical Sentiment Signal: Buy
Current Market Cap: $826.6M
For detailed information about AMTB stock, go to TipRanks’ Stock Analysis page.