Amerant Bancorp Inc. (NYSE: AMTB) shares traded lower on Friday, sliding about 2.9 percent in early session, after the bank reported quarterly and full-year 2025 financial results. The stock is trading near the middle of its 52-week range of $15.62 to $24.40, reflecting recent volatility after a period of recovery from October lows.
Quarterly and Annual Results
Amerant reported net income of $2.7 million, or $0.07 per share, for the fourth quarter ended Dec. 31, down sharply from $14.8 million, or $0.35 per share, in the prior quarter. For full-year 2025, net income attributable to the company was $52.4 million, or $1.26 per diluted share, compared with a net loss of $15.8 million, or $0.44 per diluted share, in fiscal 2024.
Total net interest income in Q4 was $90.2 million, down about 4 percent from a year earlier, while non-interest income rose 27 percent to $22.0 million. Non-interest expense increased 37 percent to $106.8 million, lifting the efficiency ratio to 95.19 percent. Asset quality metrics showed higher non-performing assets and a reduced allowance for credit losses year-over-year.
Year-over-Year and Trend Context
Full-year net interest income increased about 10.7 percent to $360.7 million, driven by volume growth, while pre-provision net revenue climbed nearly 199 percent versus 2024. Core non-interest income rose modestly, and provision for credit losses fell, supporting the swing to profitability for the year. Amerant’s net interest margin for the year expanded slightly to 3.82 percent from 3.58 percent.
Total assets and gross loans declined modestly year-over-year, and deposits were slightly lower, reflecting a pull-back in certain balance sheet categories. Return on average assets and equity for the year improved to positive territory from negative in 2024.
Market Reaction and Trends
Shares of Amerant have traded within a wide annual band, with recent activity anchored off October’s 52-week low as investors assess earnings and broader banking sector dynamics.
Analyst Activity
There were no immediate reports of analyst upgrades or downgrades tied specifically to the earnings release. Recent consensus data shows mixed analyst views with price targets in the $21–$23 range and a neutral-to-buy bias, but no distinct changes were issued today.
Corporate Actions
The board declared a $0.09 quarterly cash dividend payable Feb. 27, 2026.
