Filing Flows › Amerant Bancorp (AMTB) › Q3 2026 › vs Q3 2025
Amerant Bancorp (AMTB) Q3 2026 vs Q3 2025 (year over year)
Amerant Bancorp's revenue fell $2.6M (-2%) from $111M in Q3 2025 to $109M in Q3 2026. The biggest changes: Net interest income −$3.7M (-4%); Noninterest income +$1.0M (+6%). Operating margin 30.8% against 17.1% (+13.7 pts).
Amerant Bancorp, Q3 2026: revenue $109M (-2% year over year), operating margin 30.8%, net earnings $25.7M, operating cash flow $57.5M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 30.8% | 17.1% | +13.7 pts |
| Net margin | 23.6% | 13.2% | +10.4 pts |
| Free cash flow margin | 51.8% | 21.3% | +30.6 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $90.5M | $94.2M | −$3.7M | -4% |
| Noninterest income | $18.3M | $17.3M | $1.0M | +6% |
| Revenue | $109M | $111M | −$2.6M | -2% |
| Operating profit | $33.5M | $19.0M | $14.5M | +76% |
| Costs & expenses | $75.3M | $92.4M | −$17.1M | -19% |
| Pre-tax earnings | $33.5M | $19.0M | $14.5M | +76% |
| Credit loss provision | $6.2M | $14.6M | −$8.4M | -58% |
| Noninterest expense | $69.1M | $77.8M | −$8.7M | -11% |
| Net earnings | $25.7M | $14.8M | $11.0M | +74% |
| Income tax | $7.8M | $4.3M | $3.5M | +83% |
| Depreciation & amortization | $1.4M | $1.5M | −$90K | -6% |
| Share-based compensation | $1.5M | $1.2M | $373K | +32% |
| Working capital & other | $28.8M | $5.3M | $23.5M | +444% |
| Operating cash flow | $57.5M | $22.7M | $34.8M | +153% |
| Free cash flow (OCF − capex) | $56.4M | $23.7M | $32.7M | +138% |
| Capital expenditures | $1.1M | −$1.0M | $2.1M | — |
Questions
How much did Amerant Bancorp's revenue grow year over year in Q3 2026?
Amerant Bancorp's revenue fell $2.6M (-2%) from $111M in Q3 2025 to $109M in Q3 2026.
What drove Amerant Bancorp's revenue change in Q3 2026?
Net interest income −$3.7M (-4%); Noninterest income +$1.0M (+6%).