{"schema_version":"secwatch.filing_event.v1","accession":"0001734342-26-000008","form_type":"8-K","ticker":"AMTB","cik":"0001734342","company_name":"Amerant Bancorp Inc.","filed_at":"2026-01-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:36.029559+00:00","generated_at":"2026-05-16T08:51:50.864035+00:00","sec_items":["2.02","7.01","8.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Amerant Q4 net income drops 82% to $2.7M; NPLs up 34%; declares $0.09 dividend and $40M buyback","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001734342-26-000008","json":"https://secwatch.observer/filing/0001734342-26-000008.json","markdown":"https://secwatch.observer/filing/0001734342-26-000008.md","text":"https://secwatch.observer/filing/0001734342-26-000008.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1734342/000173434226000008/0001734342-26-000008-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1734342/000173434226000008/amtb-20260122.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T08:51:50.864035+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}