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Amerant Bancorp cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$56.4M in Q3 2026 · $137M over twelve months

Operating cash flow$57.5M
Capital spending−$1.1M
Free cash flow+$56.4M
Cash / net income2.2×

Analysis

In Q3 2026, Amerant Bancorp generated $57.5M of operating cash flow and spent $1.1M on capital projects, leaving free cash flow of $56.4M. That is $32.7M more than in Q3 2025 ($23.7M).

Over the twelve months to Sep 30, 2026, operating cash flow was $144M; the largest uses were other investing ($218M), other financing ($124M), buybacks ($50.1M); the cash balance fell by $269M.

Operating cash flow was $57.5M against net income of $25.7M — 2.2× profit, cash ran ahead of reported earnings. The largest differences: payables +$21.9M, stock-based pay +$1.5M, depreciation & amortization +$1.4M.

Free cash flow

Amerant Bancorp: free cash flow by quarterAmerant Bancorp: free cash flow by quarter$76.7MQ4 2024$18.0MQ1 2025$56.2MQ2 2025$23.7MQ3 2025$31.3MQ4 2025$10.1MQ1 2026$39.4MQ2 2026$56.4MQ3 2026
Operating cash flow less capital spending.
Amerant Bancorp: operating cash flow against capital spendingAmerant Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending$77.5M$792KQ4 2024$20.2M$2.2MQ1 2025$57.6M$1.3MQ2 2025$22.7M−$1.0MQ3 2025$36.5M$5.2MQ4 2025$10.9M$776KQ1 2026$39.4M$2KQ2 2026$57.5M$1.1MQ3 2026
Latest (Q3 2026): Operating cash flow $57.5M, Capital spending $1.1M.

Capital allocation, year by year

Amerant Bancorp: where the cash came from (up) and went (down), by fiscal yearAmerant Bancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $67.4MFY2021: Asset sales $28KFY2021: Capital spending −$6.6MFY2021: Acquisitions −$1.0MFY2021: Buybacks −$36.3M$67.5MFY2021FY2022: Operating cash flow −$49.2MFY2022: Capital spending −$10.6MFY2022: Buybacks −$72.1MFY2022: Dividends −$12.2MFY2022FY2023: Operating cash flow $26.7MFY2023: Asset sales $535KFY2023: Capital spending −$10.9MFY2023: Acquisitions −$2.0MFY2023: Buybacks −$4.9MFY2023: Dividends −$12.1M$27.3MFY2023FY2024: Operating cash flow $82.2MFY2024: Shares issued $156MFY2024: Asset sales $205KFY2024: Capital spending −$7.4MFY2024: Buybacks −$7.6MFY2024: Dividends −$12.8M$238MFY2024FY2025: Operating cash flow $137MFY2025: Net borrowing −$60.0MFY2025: Asset sales $14.1MFY2025: Capital spending −$7.7MFY2025: Buybacks −$33.0MFY2025: Dividends −$15.1M$151MFY2025
Over these 5 years operating cash flow totalled $264M; the largest uses were buybacks ($154M) and net borrowing ($60.0M). Cash-flow statements as filed.

Where the cash came from and went

Amerant Bancorp: sources (+) and uses (−) of cash, Q3 2026Amerant Bancorp: sources (+) and uses (−) of cash, Q3 2026Cash drawn (+) / kept (−)−$60.3MOther investing$58.0MOperating cash flow$57.5MOther financing−$48.4MDividends−$3.5MBuybacks−$2.0MCapital spending−$1.1MTaxes on employees’ shares−$112K
Amerant Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Amerant Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Cash drawn (+) / kept (−)$269MOther investing−$218MOperating cash flow$144MOther financing−$124MBuybacks−$50.1MDividends−$14.5MCapital spending−$7.1MTaxes on employees’ shares−$150K

From profit to cash

Amerant Bancorp: net income to operating cash flow, Q3 2026Amerant Bancorp: net income to operating cash flow, Q3 2026Net income$25.7MDepreciation & amortization$1.4MStock-based pay$1.5MOther non-cash$257KPayables$21.9MOperating cash flow$57.5M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsCash drawn (+) / kept (−)Free cash flow
Q3 2026$57.5M−$1.1M−$2.0M−$3.5M−$60.3M$56.4M
Q2 2026$39.4M−$2K−$16.4M−$3.6M−$112M$39.4M
Q1 2026$10.9M−$776K−$18.7M−$3.7M$281M$10.1M
Q4 2025$36.5M−$5.2M−$13.0M−$3.7M$161M$31.3M
Q3 2025$22.7M$1.0M−$10.0M−$3.8M$6.0M$23.7M
Q2 2025$57.6M−$1.3M−$5.0M−$3.8M$11.5M$56.2M
Q1 2025$20.2M−$2.2M−$5.0M−$3.9M−$58.0M$18.0M
Q4 2024$77.5M−$792K—−$3.8M$81.5M$76.7M

Amerant Bancorp: income statement and cash flow

Amerant Bancorp, Q3 2026: revenue $109M (-2% year over year), operating margin 30.8%. The chart follows the revenue to costs, profit and cash.

Amerant Bancorp: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.