---
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"
generated_at: "2026-05-16T08:51:50.864035+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001734342-26-000008
- JSON: https://secwatch.observer/filing/0001734342-26-000008.json
- Plain text: https://secwatch.observer/filing/0001734342-26-000008.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.