The earnings call reflects a generally positive outlook, highlighted by improved net interest margins, significant deposit growth, and a reduction in nonperforming loans. However, challenges remain with loan growth, increased classified and special mention loans, and higher non-core expenses.

Company Guidance -

Q3 2025

In the second quarter of 2025, Amerant Bancorp reported improved financial results, driven by higher core pre-provision net revenue and a lower provision for credit losses. Total assets reached $10.3 billion, with investment securities increasing to $2 billion and gross loans slightly declining to $7.2 billion. Deposits grew by $151.6 million, reaching $8.3 billion, with a significant rise in core customer deposits. Amerant's net interest margin (NIM) was reported at 3.81%, with net interest income at $90.5 million. The provision for credit losses decreased to $6.1 million, while noninterest income and expenses were $19.8 million and $74.4 million, respectively. Key capital metrics improved, with a return on assets (ROA) of 0.90% and return on equity (ROE) of 10.1%. The company also repurchased 275,666 shares at an average price of $18.14. Looking ahead, Amerant projects a 3.75% NIM for the third quarter, with continued focus on achieving a 1% ROA by the year's end.

Improved Net Interest Margin and Revenue

Net interest margin (NIM) was higher than projected at 3.81% due to recovery of interest on commercial loans, and net interest income was $90.5 million, up $4.6 million.

Deposit Growth

Customer deposits grew by $202.3 million, with total deposits up by $151.6 million to $8.3 billion, driven by growth in core deposits.

Nonperforming Loans Decrease

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

Asset Under Management Growth

Assets under management increased by $132.42 million to $3.1 billion.

Pre-provision Net Revenue Increase

Pre-provision net revenue was higher at $35.9 million in 2Q '25 compared to $33.9 million in 1Q '25, and core PPNR was $37.1 million, up 17.7%.

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	$20.12	$20.24	+0.60%
Apr 23, 2025	$19.38	$16.85	-13.05%
Jan 22, 2025	$22.20	$23.28	+4.86%
Oct 23, 2024	$20.02	$20.40	+1.90%

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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