Amerant Bancorp Inc. (NASDAQ: AMTB) is a financial institution that provides a range of banking services. On October 28, 2025, AMTB reported its earnings before the market opened. The company announced an earnings per share (EPS) of $0.39, which fell short of the estimated $0.53. However, AMTB's actual revenue was $111.4 million, surpassing the estimated $110.2 million.
AMTB's reported EPS of $0.39 was below the Zacks Consensus Estimate of $0.55, resulting in a significant earnings surprise of -29.09%. Despite this, the company showed improvement from the same quarter last year, where it had earnings of $0.27 per share. This indicates a year-over-year growth in earnings, even though it missed the current quarter's expectations.
The company's revenue for the quarter ended September 2025 was $111.44 million, slightly exceeding the Zacks Consensus Estimate by 0.87%. This revenue also marked an increase from the previous year's $101.8 million, demonstrating consistent growth in its revenue streams. Over the past four quarters, AMTB has consistently surpassed consensus revenue estimates, highlighting its ability to generate sales.
AMTB reported a net income of $14.8 million, translating to $0.35 per diluted share, which is a decrease from the second quarter of 2025, where the net income was $23 million, or $0.55 per diluted share. This decline is attributed to higher than expected provisions for credit losses, despite maintaining strong pre-provision net revenue.
The company's financial ratios provide further insight into its performance. With a price-to-earnings (P/E) ratio of approximately 178.05, investors are paying $178.05 for every dollar of earnings. The price-to-sales ratio is about 1.11, indicating the market value is slightly above its sales revenue. The debt-to-equity ratio of approximately 1.05 shows a balanced mix of debt and equity financing. However, a current ratio of around 0.22 suggests potential challenges in covering short-term liabilities with current assets.
