Amerant Bancorp Inc. (AMTB) - Net Assets
Based on the latest financial reports, Amerant Bancorp Inc. (AMTB) has net assets worth $938.80 Million USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($9.78 Billion) and total liabilities ($8.84 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check tangible net worth ratio of Amerant Bancorp Inc. to evaluate the tangible quality of the company's equity base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $938.80 Million |
| % of Total Assets | 9.6% |
| Annual Growth Rate | 3.24% |
| 5-Year Change | 4.17% |
| 10-Year Change | N/A |
| Growth Volatility | 26.68 |
Amerant Bancorp Inc. - Net Assets Trend (2016–2025)
This chart illustrates how Amerant Bancorp Inc.'s net assets have evolved over time, based on quarterly financial data. See AMTB days of operational coverage to measure how many days the company can operate on defensive assets alone.
Annual Net Assets for Amerant Bancorp Inc. (2016–2025)
The table below shows the annual net assets of Amerant Bancorp Inc. from 2016 to 2025. For live valuation and market cap data, see Amerant Bancorp Inc. (AMTB) market capitalisation.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $938.80 Million | +5.43% |
| 2024-12-31 | $890.47 Million | -11.37% |
| 2023-12-31 | $1.00 Billion | +42.37% |
| 2022-12-31 | $705.73 Million | -21.69% |
| 2021-12-31 | $901.22 Million | +56.03% |
| 2020-12-31 | $577.58 Million | -31.64% |
| 2019-12-31 | $844.92 Million | +13.05% |
| 2018-12-31 | $747.42 Million | -0.80% |
| 2017-12-31 | $753.45 Million | +6.91% |
| 2016-12-31 | $704.74 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Amerant Bancorp Inc.'s total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 80.3% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $619.55 Million | 65.99% |
| Common Stock | $4.06 Million | 0.43% |
| Other Comprehensive Income | $-875.00K | -0.09% |
| Other Components | $316.07 Million | 33.67% |
| Total Equity | $938.80 Million | 100.00% |
Amerant Bancorp Inc. Competitors by Market Cap
The table below lists competitors of Amerant Bancorp Inc. ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Shandong Bohui Paper Industry Co Ltd
SHG:600966
|
$980.07 Million |
|
Jiangsu Kanion Pharmaceutical Co Ltd
SHG:600557
|
$980.08 Million |
|
Hangzhou Flariant Co Ltd
SHG:605566
|
$980.08 Million |
|
ProFrac Holding Corp.
NASDAQ:ACDC
|
$980.32 Million |
|
HOB Biotech Group Corp Ltd
SHG:688656
|
$979.53 Million |
|
Panca Anugrah Wisesa Tbk PT
JK:MGLV
|
$979.45 Million |
|
MetroCity Bankshares
NASDAQ:MCBS
|
$979.31 Million |
|
Plymouth Industrial REIT Inc
NYSE:PLYM
|
$979.23 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Amerant Bancorp Inc.'s equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 890,467,000 to 938,802,000, a change of 48,335,000 (5.4%).
- Net income of 52,417,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 38,931,000.
- Other factors decreased equity by 43,013,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $52.42 Million | +5.58% |
| Other Comprehensive Income | $38.93 Million | +4.15% |
| Other Changes | $-43.01 Million | -4.58% |
| Total Change | $- | 5.43% |
Book Value vs Market Value Analysis
This analysis compares Amerant Bancorp Inc.'s book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.03x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 1.17x to 1.03x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2016-12-31 | $20.18 | $23.60 | x |
| 2017-12-31 | $21.58 | $23.60 | x |
| 2018-12-31 | $17.59 | $23.60 | x |
| 2019-12-31 | $19.44 | $23.60 | x |
| 2020-12-31 | $18.77 | $23.60 | x |
| 2021-12-31 | $22.24 | $23.60 | x |
| 2022-12-31 | $20.73 | $23.60 | x |
| 2023-12-31 | $21.86 | $23.60 | x |
| 2024-12-31 | $24.90 | $23.60 | x |
| 2025-12-31 | $22.84 | $23.60 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Amerant Bancorp Inc. utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 5.58%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 8.00%
- • Asset Turnover: 0.07x
- • Equity Multiplier: 10.41x
- Recent ROE (5.58%) is above the historical average (5.18%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2016 | 3.35% | 7.85% | 0.04x | 11.97x | $-46.89 Million |
| 2017 | 5.71% | 12.49% | 0.04x | 11.20x | $-32.29 Million |
| 2018 | 6.13% | 12.65% | 0.04x | 10.87x | $-28.91 Million |
| 2019 | 6.15% | 13.84% | 0.05x | 9.57x | $-32.14 Million |
| 2020 | -0.22% | -0.52% | 0.04x | 9.92x | $-80.06 Million |
| 2021 | 13.53% | 36.69% | 0.04x | 9.15x | $29.47 Million |
| 2022 | 8.94% | 16.36% | 0.04x | 12.90x | $-7.47 Million |
| 2023 | 4.41% | 5.90% | 0.06x | 13.20x | $-41.12 Million |
| 2024 | -1.77% | -2.74% | 0.06x | 11.12x | $-104.80 Million |
| 2025 | 5.58% | 8.00% | 0.07x | 10.41x | $-41.46 Million |
Industry Comparison
This section compares Amerant Bancorp Inc.'s net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $494,765,778
- Average return on equity (ROE) among peers: 10.18%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Amerant Bancorp Inc. (AMTB) | $938.80 Million | 3.35% | 9.41x | $979.96 Million |
| Ameris Bancorp (ABCB) | $68.20 Million | 10.85% | 9.15x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $80.66 Million | 12.52% | 9.24x | $5.85 Billion |
| ACNB Corporation (ACNB) | $62.69 Million | 13.30% | 9.05x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $80.78 Million | 3.82% | 9.53x | $137.20 Million |
| Alerus Financial Corp (ALRS) | $168.78 Million | 8.32% | 11.15x | $736.27 Million |
| Amalgamated Bank (AMAL) | $585.36 Million | 15.03% | 12.62x | $1.27 Billion |
| Arrow Financial Corporation (AROW) | $371.19 Million | 13.43% | 9.85x | $622.98 Million |
| Associated Banc-Corp (ASB) | $2.94 Billion | 6.41% | 8.44x | $5.45 Billion |
| AmeriServ Financial Inc (ASRV) | $97.98 Million | 7.93% | 10.85x | $62.43 Million |
About Amerant Bancorp Inc.
Amerant Bancorp Inc. operates as the bank holding company for Amerant Bank, N.A. that provides banking products and services to individuals and businesses in the United States and internationally. It offers checking, savings, business, and money market accounts; cash management services; and certificates of deposits. The company also provides variable and fixed rate commercial real estate loans; … Read more