Amerant Bancorp Inc. Class A (AMTB)

In July 2025, Amerant Bancorp reported improved second-quarter results. In October 2025, third-quarter earnings missed analysts' estimates, leading to an upgrade from Raymond James and an executive transition announcement. In December 2025, the company issued a year-end credit risk update, detailing efforts to reinforce credit discipline and strengthen credit risk management, including moving loans from held for investment to held for sale. In January 2026, Amerant Bancorp announced it would report its fourth-quarter 2025 financial results and opened a new Bay Harbor Banking Center.

Specific information regarding the demand seasonality for Amerant Bancorp's products and services is not explicitly detailed. Demand for core banking products tends to be less seasonal, but certain lending activities, like mortgage applications, can see fluctuations based on housing market trends and interest rate environments. The company's focus on commercial and real estate lending, as well as international business development, suggests a diversified demand base that may mitigate strong seasonal swings.

Amerant Bancorp, Inc. operates in the financial services sector, providing deposit gathering, lending, and cash management services. The company offers traditional banking products, mortgage and commercial real estate loans, construction financing, equipment lending, and commercial and consumer banking solutions. Additionally, Amerant Bancorp provides wealth management, trust services, treasury management, trade finance services, and digital banking offerings.

Amerant Bancorp has a regional presence in South Florida, including Miami-Dade, Broward, and Palm Beach counties, with 21 banking centers in South Florida and 2 in Tampa, Florida. The company also has branches and loan production offices in the Dallas-Fort Worth metroplex, the New York City area, Westchester County, and Connecticut. Internationally, Amerant Bank extends its services through a presence in the Cayman Islands and business development activities targeting Latin American and Caribbean markets. As of the third quarter of 2025, Amerant Bank, N.A. operates a network of 22 banking centers.

Amerant Bancorp's brand reputation has been influenced by its financial performance and strategic initiatives. The company emphasizes customer service and community engagement, focusing on personalized service and investing in digital banking. It has been certified as a Most Loved Workplace®. However, the company's stock performance has been volatile, underperforming the S&P 500, and market sentiment is cautious due to increased non-performing loans. The company's focus on improving asset quality and operational efficiency is seen as positive.

Amerant Bancorp Inc. is owned by 63.97% institutional shareholders, 5.92% Amerant Bancorp insiders, and 30.11% retail investors. Major institutional owners include Wellington Management Group LLP, BlackRock Inc., Patriot Financial Partners GP II LP, Vanguard Group Inc, Dimensional Fund Advisors LP, and State Street Corp. L. Miguel A. Capriles is the largest individual shareholder, owning 1.03 million shares, representing 2.49% of the company.