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Amerant Bancorp (AMTB) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 3, 2026 · Amerant Bancorp (AMTB) Q3 2026 earnings results →
Q3 2026 Revenue down 2% year over year to $109M · 24¢ of every $1 of revenue kept as net profit · operating margin 30.8%
Amerant Bancorp made $109M in Q3 2026 (-2% Y/Y): Net interest income $90.5M, Noninterest income $18.3M. Operating margin 30.8%, net earnings $25.7M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 3, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $108.8M in Q3 2026, down 2% year over year and up 8% from the previous quarter. Net interest income was the largest line at 83% of revenue. Net interest income lost $3.7M year over year (down 4%), 140% of the total change.
Operating profit was $33.5M, a 30.8% margin (up 13.7 points year over year). Total costs fell 19% while revenue fell 2%. Net earnings were $25.7M, up 74% year over year. The effective tax rate was 23.2%.
Operating cash flow was $57.5M (up 153% year over year), 224% of net earnings. Non-cash charges added back $1.4M of depreciation and amortization and $1.5M of share-based compensation. Working capital and other items added $28.8M. Capital expenditures of $1.1M left free cash flow of $56.4M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 3, 2026 | $109M | -2% | 30.8% | $25.7M | $57.5M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Amerant Bancorp
We are a bank holding company headquartered in Coral Gables, FL, with $9.8 billion in assets, $6.6 billion in loans held for investment, $7.8 billion in deposits, $938.8 million of shareholders’ equity, and $3.3 billion in assets under management and custody (“AUM”) as of December 31, 2025. We provide individuals and businesses with a comprehensive array of deposit, credit, investment, wealth management, retail banking, mortgage services and fiduciary services. We serve customers in our United States markets and select international customers. These services are offered through our main subsidiary, Amerant Bank, N.A., or the Bank, which is also headquartered in Coral Gables, FL, as well as the Bank’s securities broker-dealer, Amerant Investments Inc., or Amerant Investments. Fiduciary, investment, wealth management and mortgage services are provided by the Bank and Amerant Investments.
In its own words, from its 10-K, filed Feb 27, 2026.
Amerant Bancorp against its National Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: -2% against the peers' median +6%. Operating margin: 30.8% against the peers' median 30.8%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| AMTB Amerant Bancorp | Q3 2026 | $109M | -2% | 30.8% |
| JPM JPMorgan Chase | Q3 2026 | $50.2B | +8% | 40.1% |
| BAC Bank of America | Q3 2026 | $30.0B | +3% | 29.9% |
| C Citigroup | Q3 2026 | $23.8B | +8% | 30.6% |
| WFC Wells Fargo | Q3 2026 | $21.9B | +2% | 32.5% |
| COF Capital One Financial | Q3 2026 | $16.3B | +6% | 28.0% |
| USB US Bancorp | Q3 2026 | $8.0B | +9% | 35.1% |
| PNC PNC Financial Services Group | Q3 2026 | $6.6B | +11% | 40.0% |
| TFC Truist Financial | Q3 2026 | $3.7B | -28% | 23.9% |
Source: Amerant Bancorp 10-Q on SEC EDGAR · CIK 1734342 · National Commercial Banks
Guidance and outlook
13F: who owns AMTB and who is buying
More on AMTB
History
Every quarter: Q3 2026 results