Core Viewpoint - Amerant Bank has appointed Jeffrey K. Tischler as Senior Executive Vice President and Chief Credit Officer to enhance its credit and risk management capabilities, supporting the bank's strategic growth agenda in a prudent manner [1][2]. Group 1: Appointment Details - Jeffrey K. Tischler will oversee Credit Services, Portfolio Management, and Credit Risk functions at Amerant Bank [1]. - Tischler has over 20 years of experience in banking and credit risk management, previously serving as Chief Credit Officer at City National Bank [2]. - His expertise includes credit adjudication, portfolio oversight, and commercial banking strategy [2]. Group 2: Leadership Perspective - Jerry Plush, Chairman and CEO of Amerant Bank, expressed excitement about Tischler's addition, highlighting the importance of his expertise for the bank's growth [2]. - Tischler emphasized his commitment to maintaining high standards of credit quality and risk management while contributing to the bank's tradition of prudent credit management [3]. Group 3: Company Background - Amerant Bank is a prominent financial institution in Florida, serving clients for over 40 years and operating subsidiaries such as Amerant Investments and Amerant Mortgage [4]. - The bank has been recognized as a Most Loved Workplace® in 2022, 2023, and 2024 by Best Practice Institute [4].

Core Insights - Amerant Bank has appointed Bam Adebayo, a three-time NBA All-Star, as its new brand ambassador, enhancing its commitment to the South Florida community and sports culture [1][3] Marketing Initiatives - Adebayo will participate in various marketing campaigns, including social media promotions and exclusive events such as meet-and-greets at the Miami Heat's arena [2] - He will also feature in commercials and promotional content aimed at engaging basketball fans in South Florida [2] Community Engagement - The partnership reflects Amerant Bank's dedication to building meaningful relationships within the community, aligning with Adebayo's values of work ethic and excellence [3] - Adebayo expressed enthusiasm for collaborating with Amerant to positively impact the community that has supported him throughout his career [4] Sports Partnerships - Adebayo joins a roster of other athletes associated with Amerant, including NFL running back Raheem Mostert and NHL player Matthew Tkachuk [3] - Amerant Bank has established partnerships with various local sports teams, including naming rights to the Amerant Bank Arena, home of the Florida Panthers [3]

Financial Position and Assets - As of December 31, 2024, the company had net deferred tax assets (DTAs) with a book value of $53.5 million, based on a U.S. corporate income tax rate of 21%[289]. - The company anticipates that its total assets may exceed $10 billion in 2025, which would subject it to additional regulatory requirements[307]. - As of December 31, 2024, total earning assets amount to $9,255,505,000, with $5,653,575,000 maturing in less than one year[743]. - The company holds $7,124,310,000 in performing loans, with $4,700,832,000 maturing in less than one year[743]. - Interest-bearing liabilities total $7,248,485,000, with $6,038,970,000 maturing in less than one year[743]. - The company has $1,437,170,000 in debt available for sale, with $344,207,000 maturing in less than one year[743]. - Cash and cash equivalents stand at $590,359,000, with $520,863,000 maturing in less than one year[743]. - The company has $58,278,000 in Federal Reserve and FHLB stock, with $42,285,000 maturing in less than one year[743]. Regulatory and Compliance Risks - The company is subject to extensive regulation that could limit its activities and adversely affect its earnings, with compliance costs potentially impacting profitability[306]. - The company may incur additional costs and resource allocation to comply with potential changes in regulations under the new presidential administration[309]. - The company may face regulatory scrutiny regarding compliance with anti-money laundering laws, which could result in significant penalties[323]. - The company is required to meet capital adequacy and liquidity standards; failure to do so could adversely affect its financial condition and operations[317]. - The bank must maintain a capital conservation buffer of 2.5% and meet other regulatory capital ratios to avoid constraints on dividends and financial obligations[345]. Market and Economic Risks - The company is exposed to potential adverse effects from economic conditions, including downturns in the U.S. economy and market conditions, particularly in its primary markets of Miami-Dade, Broward, Palm Beach, and Hillsborough counties[302]. - The company faces risks related to market disruptions that could negatively impact loan performance and increase default rates, affecting its financial condition[303]. - The company anticipates that FDIC insurance premiums may increase significantly, which could reduce profitability and limit business opportunities[319]. - Changes in corporate tax rates could affect the value of the company's DTAs and may require a write-off of a portion of those assets[289]. Investment and Debt Management - The company has no limitations on incurring additional debt, which could increase financial obligations and risks associated with debt management[348]. - The company's ability to meet debt obligations depends on future operating performance and prevailing economic conditions, including inflation and interest rates[343]. - The company expects to redeem the senior notes by April 1, 2025, but the subordinated notes and debentures will remain outstanding[342]. - As of December 31, 2024, the company had $60.0 million in senior notes with a 5.75% coupon rate maturing on June 30, 2025, $30.0 million in subordinated notes at 4.25% due March 15, 2032, and $64.2 million in junior subordinated debentures[342]. Shareholder and Ownership Structure - The company’s executive officers and directors own approximately 36% of the outstanding shares, potentially exerting significant control over corporate matters[330]. - The company is authorized to issue up to 250 million shares of Class A common stock, which could lead to dilution of existing shareholders' equity interests[336]. Performance Metrics - The company reported a net interest income increase to approximately $361.0 million in December 31, 2024, up from $336.0 million in December 31, 2023, primarily due to higher interest income and a 1.9% increase in total assets[731]. - The sensitivity analysis indicated that a 200 basis point increase in interest rates would result in a $24,427 thousand (6.8%) increase in earnings for December 31, 2024[729]. - The economic value of equity (EVE) analysis showed a decrease of 13.61% with a 200 basis point increase in interest rates as of December 31, 2024[734]. - The average duration of the investment portfolio increased to 5.2 years as of December 31, 2024, compared to 5.0 years in 2023, mainly due to lower mortgage-backed securities prepayments[738]. - The company measures potential changes in the market price of its investment portfolio, with a 200 basis point increase in interest rates resulting in a market value decrease of $150,674 thousand as of December 31, 2024[737]. - The interest rate sensitivity gap is negative $385,395,000 for less than one year, indicating potential exposure to interest rate fluctuations[743]. - Cumulative interest rate sensitivity gap reaches $2,007,020,000, reflecting the company's long-term interest rate risk management[743]. - Earnings assets to interest-bearing liabilities ratio is 93.6% for less than one year, indicating a strong asset-liability management[743]. International Exposure - As of December 31, 2024, 24.1% of total deposits, amounting to $1.9 billion, were from residents of Venezuela, indicating significant exposure to international markets[325]. - The company’s total loan exposure to international markets was $40.7 million, or less than 1.5% of total loans, as of December 31, 2024[325]. Legal and Litigation Risks - The company faces risks of litigation and regulatory investigations that could lead to significant financial losses and harm to reputation[315]. - The company is subject to potential tax audits which may result in penalties or additional taxes, adversely impacting financial performance[313].

Financial Data and Key Metrics - Core business demonstrated strong performance in Q4 2024, with solid organic loan and deposit growth, and improvement in net interest income and net interest margin [5] Business Line Data and Key Metrics - No specific data provided for individual business lines [5] Market Data and Key Metrics - No specific data provided for individual markets [5] Company Strategy and Industry Competition - The company is transitioning from a multi-year transformation to focus on the execution and implementation of strategic growth plans [4] Management Commentary on Operating Environment and Future Outlook - Management acknowledged the hard work of the team throughout 2024 and expressed appreciation for their efforts [4] Other Important Information - Discussions on the call contain forward-looking statements and references to non-GAAP financial measures [3] Q&A Session - No Q&A session details provided in the content [1][2][3][4][5]

This presentation contains "forward-looking statements" including statements with respect to the Company's objectives, expectations and intentions and other statements that are not historical facts. Examples of forward- looking statements include but are not limited to: our future operating or financial performance, including revenues, expenses, expense savings, income or loss and earnings or loss per share, and other financial items; statements regarding expectations, plans or objectives for future operati ...

Core Insights - Amerant Bancorp Inc. reported revenue of $111.32 million for the quarter ended December 2024, reflecting a year-over-year increase of 9.9% and a surprise of +10.73% over the Zacks Consensus Estimate of $100.54 million [1] - The company's EPS for the quarter was $0.50, up from $0.46 in the same quarter last year, resulting in an EPS surprise of +85.19% compared to the consensus estimate of $0.27 [1] Financial Metrics - Net charge-offs as a percentage of average total loans held for investment were 0.3%, significantly lower than the average estimate of 0.9% from three analysts [4] - The efficiency ratio was reported at 74.9%, higher than the average estimate of 68.3% from three analysts [4] - The net interest margin stood at 3.8%, exceeding the average estimate of 3.6% from three analysts [4] - Average balances of total interest-earning assets were $9.30 billion, slightly below the average estimate of $9.35 billion from two analysts [4] - Total non-performing loans amounted to $104.10 million, higher than the average estimate of $83.80 million from two analysts [4] - Total non-performing assets were reported at $122.18 million, compared to the average estimate of $95.88 million from two analysts [4] - Noninterest income reached $23.68 million, surpassing the average estimate of $17.84 million from three analysts [4] - Net interest income was $87.63 million, exceeding the average estimate of $82.70 million from three analysts [4] Stock Performance - Shares of Amerant Bancorp have returned +0.5% over the past month, while the Zacks S&P 500 composite has changed by +2.1% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market in the near term [3]

Core Insights - Amerant Bancorp Inc. reported quarterly earnings of $0.50 per share, exceeding the Zacks Consensus Estimate of $0.27 per share, and showing an increase from $0.46 per share a year ago, resulting in an earnings surprise of 85.19% [1] - The company achieved revenues of $111.32 million for the quarter ended December 2024, surpassing the Zacks Consensus Estimate by 10.73% and increasing from $101.29 million year-over-year [2] - The stock has underperformed the market with a gain of about 1.4% since the beginning of the year, compared to the S&P 500's gain of 2.9% [3] Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is $0.38 on revenues of $100.59 million, and for the current fiscal year, it is $2.06 on revenues of $424.58 million [7] - The estimate revisions trend for Amerant Bancorp is mixed, leading to a Zacks Rank 3 (Hold), indicating expected performance in line with the market in the near future [6] Industry Context - The Banks - Southeast industry, to which Amerant Bancorp belongs, is currently in the top 24% of over 250 Zacks industries, suggesting a favorable outlook compared to the bottom 50% [8] - Empirical research indicates a strong correlation between near-term stock movements and trends in earnings estimate revisions, which can be tracked by investors [5]

Financial Performance - Net income attributable to the company was $16.9 million in Q4 2024, compared to a net loss of $48.2 million in Q3 2024[1] - Full-year 2024 net loss attributable to the company was $15.8 million, compared to net income of $32.5 million in 2023[1] - Net income attributable to Amerant Bancorp Inc. for 2024 was a loss of $15,752 thousand, compared to a profit of $32,490 thousand in 2023[22] - Net income attributable to Amerant Bancorp Inc. for Q4 2024 was $16.881 million, a significant improvement from a loss of $48.164 million in Q3 2024[30] - Net income attributable to Amerant Bancorp Inc. for Q4 2024 was $16.881 million, compared to a loss of $48.164 million in Q3 2024[32] - Core net income for Q4 2024 was $21.160 million, up from $9.249 million in Q3 2024[32] - Basic earnings per share for Q4 2024 was $0.40, compared to a loss of $1.43 in Q3 2024[32] - Core basic earnings per share for Q4 2024 was $0.50, up from $0.27 in Q3 2024[32] - Core ROA for Q4 2024 was 0.83%, compared to 0.37% in Q3 2024[32] - Core ROE for Q4 2024 was 9.25%, up from 4.80% in Q3 2024[32] - Efficiency ratio for Q4 2024 was 74.91%, compared to 228.74% in Q3 2024[32] - Core efficiency ratio for Q4 2024 was 64.71%, down from 69.29% in Q3 2024[32] - Total after-tax non-routine items in noninterest expense for Q4 2024 was $11.739 million, up from $4.340 million in Q3 2024[32] - Total after-tax non-routine items in noninterest income for Q4 2024 was a loss of $7.460 million, compared to a gain of $53.073 million in Q3 2024[32] - The company recorded a pre-tax net loss of $68.5 million in Q3 2024 due to an investment portfolio repositioning, with an additional $8.1 million loss in Q4 2024[35] - Securities losses in 2024 amounted to $76.86 million, primarily due to investment portfolio repositioning[55] Net Interest Income and Margin - Net interest income increased by 8% to $87.6 million in Q4 2024, while provision for credit losses declined by 48% to $9.9 million[2] - Net Interest Margin (NIM) improved to 3.75% in Q4 2024, up from 3.49% in Q3 2024[5] - Net interest margin (NIM) for Q4 2024 increased to 3.75%, up from 3.49% in Q3 2024[24] - Net interest income for the year ended December 31, 2024, was $325,957 thousand, slightly down from $326,464 thousand in 2023[22] - Net interest income grew to $87.63 million in Q4 2024, compared to $81.68 million in Q4 2023[46] - Net interest margin improved to 3.75% in Q4 2024, up from 3.72% in Q4 2023[46] - Net interest income slightly decreased to $325.96 million in 2024 from $326.46 million in 2023[49] - Net interest margin decreased to 3.58% in 2024 from 3.76% in 2023[49] Assets and Loans - Total assets decreased by 4.40% to $9.9 billion in Q4 2024, primarily due to the sale of the Houston Franchise[4] - Total gross loans decreased by 3.90% to $7.27 billion in Q4 2024, while total deposits decreased by 3.17% to $7.9 billion[4] - Total assets increased to $9,897,691 thousand as of December 31, 2024, compared to $9,716,327 thousand in December 2023[22] - Total deposits decreased to $7,854,069 thousand as of December 31, 2024, from $7,894,863 thousand in December 2023[22] - Core deposits stood at $5,619,624 thousand as of December 31, 2024, compared to $5,597,766 thousand in December 2023[22] - Total assets increased to $9,897.69 million as of December 31, 2024, compared to $9,716.33 million in 2023[34] - Total assets reached $10.09 billion in Q4 2024, up from $9.51 billion in Q4 2023[45] - Total assets decreased to $9,897.69 million as of December 31, 2024, compared to $10,353.13 million in September 2024, reflecting a 4.4% decline[68] - Loans held for investment increased to $7,224.37 million in December 2024, up from $6,964.17 million in September 2024, a 3.7% growth[68] - Commercial real estate loans (non-owner occupied) decreased slightly to $1,678.47 million in December 2024 from $1,688.31 million in September 2024[70] - Consumer loans and overdrafts decreased to $273.01 million in December 2024 from $278.39 million in September 2024, a 1.9% decline[70] - Loans held for sale at the lower of fair value or cost were $553.94 million in September 2024, but dropped to $0 in December 2024 due to the sale of the Houston franchise[73] - Mortgage loans held for sale at fair value increased to $42.91 million in December 2024 from $43.85 million in September 2024[73] - Total deposits decreased to $7,854.07 million in December 2024 from $8,110.94 million in September 2024, a 3.2% decline[68] - Advances from the Federal Home Loan Bank decreased to $745.00 million in December 2024 from $915.00 million in September 2024, an 18.6% reduction[68] - Retained earnings increased to $582.23 million in December 2024 from $569.13 million in September 2024, a 2.3% growth[68] - Accumulated other comprehensive loss worsened to $(39.81) million in December 2024 from $(12.96) million in September 2024[68] - Total Non-Accrual Loans increased to $100,022 thousand in December 2024 from $28,276 thousand in December 2023, showing a significant rise in non-performing loans[75] - Total Past Due Accruing Loans decreased to $4,079 thousand in December 2024 from $6,124 thousand in December 2023, indicating a reduction in overdue loans[75] - Total Non-Performing Assets stood at $122,175 thousand in December 2024, down from $129,438 thousand in September 2024[77] - Domestic deposits decreased to $5,277,763 thousand in December 2024 from $5,553,336 thousand in September 2024, reflecting a decline in domestic deposit base[82] - Foreign deposits, particularly from Venezuela, remained stable at $1,889,331 thousand in December 2024, compared to $1,887,282 thousand in September 2024[82] - Total deposits decreased to $7,854,069 thousand in December 2024 from $8,110,944 thousand in September 2024, showing a contraction in overall deposit base[82] - Commercial loans categorized as Substandard Doubtful increased to $66,605 thousand in December 2024 from $69,429 thousand in September 2024, indicating a slight improvement in credit quality[79] - Owner-occupied real estate loans in the Substandard Doubtful category increased to $24,097 thousand in December 2024 from $29,310 thousand in September 2024, showing a reduction in riskier loans[79] - Total loans categorized as Special Mention and Substandard Doubtful decreased to $131,105 thousand in December 2024 from $190,618 thousand in September 2024, reflecting an overall improvement in loan quality[79] - The company did not have any loans categorized as "Loss" as of December 2024, indicating no write-offs during the period[79] Credit Losses and Provisions - Provision for credit losses on loans in Q4 2024 was $9.7 million, compared to $17.9 million in Q3 2024, $17.7 million in Q2 2024, and $12.4 million in Q1 2024[27] - Provision for unfunded commitments (contingencies) in Q4 2024 was $0.2 million, compared to $1.1 million in Q3 2024 and $1.5 million in Q2 2024[27] - The Provision for Loan Losses for the year ended December 31, 2024, was $60.5 million, slightly lower than $61.3 million in 2023[27] - Allowance for credit losses increased to $84,963 thousand as of December 31, 2024, from $79,890 thousand in September 2024[22] - Allowance for credit losses to total non-performing loans decreased to 81.62% in Q4 2024, down from 93.51% in Q2 2024[24] Noninterest Income and Expenses - Noninterest income for 2024 was $9,909 thousand, a significant drop from $87,496 thousand in 2023[22] - Total noninterest income for Q4 2024 was $23.684 million, compared to a loss of $47.683 million in Q3 2024[30] - Core noninterest income for Q4 2024 was $17.820 million, slightly lower than $20.801 million in Q3 2024[30] - Core noninterest expenses for Q4 2024 were $68.238 million, down from $70.536 million in Q3 2024[30] - Total noninterest income for 2024 was $9.91 million, a significant drop from $87.5 million in 2023[54] - Gain on sale of Houston Franchise contributed $12.64 million to noninterest income in 2024[54] - Mortgage banking income for Q4 2024 was $1.1 million, compared to $2.8 million in Q3 2024 and $0.6 million in Q4 2023[56] - Total noninterest expense for Q4 2024 was $83.4 million, a 9.4% increase from Q3 2024 ($76.2 million) and a 24% decrease from Q4 2023 ($109.7 million)[59] - Salaries and employee benefits accounted for 42.3% of total noninterest expense in Q4 2024, totaling $35.3 million[59] - Losses on loans held for sale were $12.6 million in Q4 2024, compared to $37.5 million in Q4 2023, representing a 66.4% decrease[59] - Professional and other services fees increased to $14.3 million in Q4 2024, up 4.4% from Q3 2024 and 0.8% from Q4 2023[59] - The company incurred $1.4 million in expenses related to the Houston Transaction in Q4 2024[60] - Fixed assets impairment charge of $3.4 million was recorded in 2024 in connection with the Houston Transaction[61] - Legal expenses related to the Houston Transaction totaled $0.1 million in Q4 2024 and $0.4 million for the full year 2024[62] - Broker fees associated with the Houston Transaction were $1.0 million in Q4 2024 and $1.3 million for the full year 2024[66] - Amerant Mortgage-related expenses were $3.7 million in Q4 2024, compared to $3.5 million in Q4 2023[66] Dividends and Shareholder Equity - The company declared a cash dividend of $0.09 per share, payable on February 28, 2025[7] - Cash dividend declared per common share remained steady at $0.36 for both 2024 and 2023[22] - The company declared cash dividends of $0.09 per share in Q4 2024, totaling $3.8 million, compared to $3.0 million per quarter in previous periods[27] - Tangible common stockholders' equity rose to $866.15 million in December 2024, up from $711.04 million in December 2023[34] - Tangible common equity ratio improved to 8.77% in December 2024 from 7.34% in December 2023[34] - Stockholders' equity increased to $910.16 million in Q4 2024, compared to $736.62 million in Q4 2023[46] Non-GAAP Measures and Forward-Looking Statements - The company uses non-GAAP financial measures such as "pre-provision net revenue (PPNR)", "core pre-provision net revenue (Core PPNR)", and "core earnings per share" to evaluate performance and provide supplemental information to investors[17][18] - Non-GAAP measures are used to account for restructuring activities, non-core banking activities, and other non-routine actions aimed at improving customer service and operating performance[18] - The company's unaudited financial information for interim periods may not reflect the full fiscal year results or financial condition[16] - Forward-looking statements involve risks and uncertainties that could cause actual results to differ materially from projected outcomes[14] - The company's forward-looking statements are qualified by cautionary notices and risk factors detailed in SEC filings[14][15] Loan Portfolio and Yield - Loan portfolio net income increased to $128.91 million with a yield of 7.00% in Q4 2024, compared to $127.09 million and 7.09% yield in Q4 2023[45] - Debt securities available for sale income rose to $16.07 million with a yield of 4.75% in Q4 2024, up from $11.60 million and 4.34% yield in Q4 2023[45] - Total interest-earning assets reached $9.30 billion with a yield of 6.54% in Q4 2024, compared to $8.72 billion and 6.62% yield in Q4 2023[45] - Loan portfolio net income increased to $505.5 million in 2024 from $475.4 million in 2023, with a yield rise from 6.78% to 7.06%[49] - Total interest-earning assets grew to $9.1 billion in 2024, up from $8.68 billion in 2023, with a yield increase from 6.32% to 6.54%[49] - Non-performing loans averaged $101.0 million in Q4 2024, up from $35.1 million in Q4 2023[51] - Average non-performing loans to total loans ratio increased to 1.03% in 2024 from 0.48% in 2023[49] Restructuring and Non-Routine Items - Restructuring of the BOLI program in Q4 2023 resulted in $4.6 million in additional expenses, including a $0.7 million reduction in cash surrender value and $2.8 million in income tax expense[36] - Nonrecurrent expenses related to the engagement of FIS totaled $1.6 million in Q4 2023 and $6.4 million for the full year 2023[39] - The company incurred $12.6 million in losses on the sale of a portfolio of 323 business-purpose residential mortgage loans in 2024[43] - Fair value adjustments of $35.5 million were recorded in 2023 for Houston-based CRE loans held for sale[43] - Income tax effect on nonroutine items was calculated using estimated tax rates of 27.14% and 22.50% for 2024[43] - Other intangible assets primarily consist of naming rights and mortgage servicing rights, totaling $2.0 million and $1.5 million, respectively, as of December 31, 2024[43] Capital and Liquidity - Total capital ratio increased to 13.43% in Q4 2024, up from 12.72% in Q3 2024[24] - Excess of average interest-earning assets over average interest-bearing liabilities grew to $1.93 billion in Q4 2024, up from $1.69 billion in Q4 2023[46] - The company completed a public offering of 8,684,210 shares of Class A common stock at $19.00 per share on September 27, 2024[27]

Core Viewpoint - Amerant Bancorp Inc. (AMTB) is expected to report a quarterly earnings per share (EPS) of $0.27, indicating a 41.3% decline year-over-year, with revenues projected at $100.54 million, a decrease of 0.7% compared to the previous year [1] Earnings Estimates - The consensus EPS estimate has been revised upward by 2.7% over the past 30 days, indicating analysts have reassessed their projections [2] - Revisions to earnings estimates are significant indicators for predicting investor actions regarding the stock, with empirical research showing a strong correlation between earnings estimate trends and short-term stock price performance [3] Key Metrics Forecast - Analysts predict the 'Efficiency Ratio' will reach 68.3%, a significant improvement from 108.3% a year ago [5] - The 'Net Interest Margin' is expected to be 3.6%, slightly down from 3.7% reported in the same quarter last year [5] - 'Average Balances - Total Interest-Earning Assets' are forecasted to be $9.35 billion, up from $8.72 billion in the same quarter last year [6] - 'Total Non-Performing Loans' are expected to be $83.80 million, compared to $34.40 million reported in the same quarter last year [6] - 'Total Non-Performing Assets' are projected at $95.88 million, up from $54.58 million in the same quarter last year [7] - 'Noninterest Income' is estimated at $17.84 million, down from $19.61 million reported in the same quarter last year [7] - 'Net Interest Income' is forecasted to reach $82.70 million, compared to $81.68 million in the same quarter last year [8] Stock Performance - Amerant Bancorp shares have experienced a -0.5% change over the past month, compared to a -0.4% change in the Zacks S&P 500 composite [8] - The company holds a Zacks Rank 3 (Hold), indicating it is expected to closely follow overall market performance in the near term [8]

Core Viewpoint - Amerant Bancorp Inc. (AMTB) is anticipated to report a year-over-year decline in earnings due to lower revenues, with the actual results being a significant factor that could influence its near-term stock price [1][2]. Earnings Expectations - The upcoming earnings report is scheduled for January 22, 2025, with a consensus estimate of $0.27 per share, reflecting a year-over-year decrease of 41.3%. Revenues are projected to be $100.54 million, down 0.7% from the previous year [3][2]. Estimate Revisions - Over the last 30 days, the consensus EPS estimate has been revised 2.7% higher, indicating a reassessment by analysts [4]. However, the Most Accurate Estimate matches the Zacks Consensus Estimate, resulting in an Earnings ESP of 0% [10][11]. Earnings Surprise Prediction - The Zacks Earnings ESP model suggests that a positive or negative reading indicates the potential deviation of actual earnings from the consensus estimate, with a strong predictor of an earnings beat being a positive Earnings ESP combined with a favorable Zacks Rank [6][8]. Historical Performance - In the last reported quarter, Amerant Bancorp exceeded the expected earnings of $0.23 per share, achieving $0.27, which was a surprise of +17.39%. However, the company has only beaten consensus EPS estimates once in the last four quarters [12][13]. Industry Comparison - In contrast, Pinnacle Financial (PNFP), another player in the Zacks Banks - Southeast industry, is expected to report earnings of $1.80 per share, indicating a year-over-year increase of 7.1%, with revenues expected to rise by 16.9% to $463.47 million [17][18].