Amerant Bancorp Inc Class A (AMTB)
NYSE:AMTB
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Earnings Data
Report Date
Jul 29, 2026TBA (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
0.39Last Year’s EPS
0.57Same Quarter Last Year
Moderate Buy
Based on 2 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call emphasized tangible progress in expense reduction, strong improvement in profitability metrics (PPNR, ROA/ROE) and successful deposit momentum—notably international/Venezuela—while also outlining active, disciplined credit remediation and portfolio rebalancing. Headwinds included a meaningful decline in net interest income and margin due to rate cuts and portfolio shifts, higher provisions and modest increases in NPLs and charge-offs. Management provided forward guidance (loan growth ~7% for 2026, deposits +8%–10%, NIM 3.4%–3.5% in Q2, and a sustainable expense run-rate near $68M) and reiterated continued buybacks and dividend support. Overall, positive operational execution and capital/portfolio actions appear to outweigh near-term revenue and credit pressures, supporting a constructive outlook while acknowledging ongoing credit work.Company Guidance
Significant Expense Reduction and Cost Savings
Noninterest expense declined to $66.9 million, down $39.9 million or 37.3% quarter-over-quarter (from $106.8M). Management cites approximately $30 million of cost savings for 2026, including $3.3 million from vendor contract renegotiations, and expects a sustainable run-rate near $68M quarterly.
Marked Improvement in Profitability and Efficiency
Pretax pre-provision net revenue (PPNR) rose to $30.7 million from $5.4 million in 4Q'25 (increase of $25.3M; ~469%). Diluted EPS improved to $0.44 from $0.07. ROA increased to 0.73% (from 0.10%) and ROE to 7.63% (from 1.12%). Efficiency ratio improved to 68.52% from 95.19%.
Deposit Growth and International Traction (Venezuela)
Total deposits were $7.9 billion, up $152.2 million (2% QoQ). Management highlighted $188 million of total deposit growth in Q1 with $95 million from Venezuela (and $66M of that growth in March alone). International deposit cost ~1.15%–1.30% on average; incremental Venezuelan deposits were described as sub-1% cost.
Balance Sheet Reallocation into Higher-Yielding Securities
Cash and cash equivalents declined to $188.7 million (down $281.5M) as the bank purchased investment securities; total investment securities increased to $2.4 billion, up $346.3 million QoQ, as excess cash was deployed into higher-yielding assets.
Capital Position and Shareholder Returns
CET1 remained strong at 11.84% (vs. 11.80% prior quarter). The company repurchased 859,493 shares at a weighted average $21.77 (repurchases represented ~$18.7M) and paid/declared quarterly dividends of $0.09 per share. Remaining buyback availability was ~$21M planned to complete through Q2.
Loan Growth Guidance and Funding Outlook
Gross loans rose to $6.8 billion, up $56.5 million (0.8% QoQ). Management projects Q2 loans ~ $7.0 billion and full-year 2026 annualized loan growth of ~7%. They expect deposits to reach ~$8.0 billion by Q2 and cumulative deposit growth of 8%–10% for 2026.
Improved Portfolio Management and Credit Controls
New portfolio management team, tightened review thresholds (from $5M to $3M, with plans to review exposures >$1M), quarterly top-20 reviews, more rigorous monitoring, and alignment of banker compensation to asset quality — expected to improve credit identification and resolution cadence.
Reduction in Special Mention and Classified Balances via Sales/Payoffs
Payoffs totaled $59.5 million and loans sold totaled $65.7 million in Q1. Special mention loans reduced to $117.3M after a $30.9M CRE sale and are projected to further decline to $88.3M following an additional $29M exit in the coming weeks.
AMTB Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
AMTB Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Apr 23, 2026 | $24.00 | $22.82 | -4.92% |
Jan 23, 2026 | $21.17 | $20.74 | -2.07% |
Oct 28, 2025 | $17.37 | $16.74 | -3.65% |
Jul 23, 2025 | $19.85 | $19.97 | +0.59% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Amerant Bancorp Inc Class A (AMTB) report earnings?
Amerant Bancorp Inc Class A (AMTB) is schdueled to report earning on Jul 29, 2026, TBA (Confirmed).
What is Amerant Bancorp Inc Class A (AMTB) earnings time?
Amerant Bancorp Inc Class A (AMTB) earnings time is at Jul 29, 2026, TBA (Confirmed).
Where can I see when companies are reporting earnings?
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What companies are reporting earnings today?
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What is AMTB EPS forecast?
AMTB EPS forecast for the fiscal quarter 2026 (Q2) is 0.39.