The call presented a mixed view with notable achievements in improved financial performance, deposit growth, and reduction in nonperforming loans. However, challenges remain in loan growth, increased classified loans, and higher charge-offs, leading to a balanced outlook.

Company Guidance

During Amerant's second quarter 2025 earnings call, the company highlighted several key metrics and guidance for the upcoming quarters. Total assets reached $10.3 billion, while investment securities grew by $209.2 million, including $120 million in mortgage-backed securities. Total deposits increased by $151.6 million, with customer deposits contributing an additional $202.3 million. Net interest income was reported at $90.5 million, with a net interest margin (NIM) of 3.81%, though this is expected to normalize to approximately 3.75% in the third quarter. The provision for credit losses decreased significantly to $6.1 million from $18.4 million in the previous quarter. The bank's core pre-provision net revenue (PPNR) rose to $37.1 million, marking a 17.7% increase from the first quarter. Looking ahead, Amerant plans to focus on deposit growth of 14% to 15% by year-end 2025 and anticipates a 5% annualized loan growth, with an emphasis on improving asset quality and achieving a 1% return on assets (ROA) in the second half of the year.

Improved Financial Performance

Amerant reported improved results driven by higher core pre-provision net revenue and a lower provision for credit losses. Pre-provision net revenue increased to $35.9 million in 2Q '25 compared to $33.9 million in 1Q '25.

Deposit and Asset Growth

Total deposits rose by $151.6 million to $8.3 billion, with customer deposits growing by $202.3 million. Total assets reached $10.3 billion, and assets under management increased by $132.42 million to $3.1 billion.

Net Interest Margin (NIM) Strength

NIM was higher than projected at 3.81%, supported by recovery of interest on commercial loans and lower cost of time deposits.

Reduction in Nonperforming Loans

A significant net decrease of $41 million in nonperforming loans was achieved, driven by payoffs, loans sold, paydowns, and charge-offs.

Strong Capital Metrics

A cash dividend of $0.09 per share was approved, and the company repurchased 275,666 shares at a weighted average price of $18.14 per share.

Amerant Bancorp (AMTB) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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AMTB Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 16, 2025	2025 (Q3)	0.52 / -	0.27	―	―	―
Jul 23, 2025	2025 (Q2)	0.39 / 0.57	0.28	103.57% (+0.29)
Apr 23, 2025	2025 (Q1)	0.40 / 0.24	0.32	-25.00% (-0.08)
Jan 22, 2025	2024 (Q4)	0.31 / 0.50	0.46	8.70% (+0.04)
Oct 23, 2024	2024 (Q3)	0.21 / 0.27	0.64	-57.81% (-0.37)
Jul 24, 2024	2024 (Q2)	0.35 / 0.28	0.24	16.67% (+0.04)
Apr 24, 2024	2024 (Q1)	0.36 / 0.32	0.59	-45.76% (-0.27)
Jan 24, 2024	2023 (Q4)	0.44 / 0.46	0.61	-24.59% (-0.15)
Oct 19, 2023	2023 (Q3)	0.60 / 0.64	0.63	1.59% (+0.01)
Jul 20, 2023	2023 (Q2)	0.21 / 0.24	0.45	-46.67% (-0.21)

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
Jul 23, 2025	$20.03	$20.15	+0.60%
Apr 23, 2025	$19.30	$16.77	-13.11%
Jan 22, 2025	$22.11	$23.17	+4.79%
Oct 23, 2024	$19.93	$20.31	+1.91%

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 Oct 16, 2025, TBA (Confirmed).

What is Amerant Bancorp Inc Class A (AMTB) earnings time?

Amerant Bancorp Inc Class A (AMTB) earnings time is at Oct 16, 2025, TBA (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is AMTB EPS forecast?

AMTB EPS forecast for the fiscal quarter 2025 (Q3) is 0.52.

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