Amerant Q4 net income drops 82% to $2.7M; NPLs up 34%; declares $0.09 dividend and $40M buyback

Amerant Bancorp Inc.

2025-FY EPS reported $1.26

Q4 net income $2.7M ($0.07 EPS) vs Q3 $14.8M ($0.35 EPS); full-year net $52.4M ($1.26 EPS) vs loss of $15.8M in 2024.
Non-performing assets rose 33.6% QoQ to $186.9M; ACL decreased to $79.3M from $94.9M.
Net interest margin narrowed to 3.78% from 3.92%; non-interest expense surged 37.2% QoQ to $106.8M.
Board declared $0.09/share dividend payable Feb 27, 2026, record Feb 13, 2026.
New $40M share repurchase program authorized through Dec 31, 2026; management cites attractive valuation.

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