Amerant Bancorp (US:AMTB) Financial Modeling Prepยท2025-10-28 18:06Core Insights - Amerant Bancorp Inc. reported an earnings per share (EPS) of $0.39, which was below the estimated $0.53, resulting in a significant earnings surprise of -29.09% [2][6] - The company's revenue for the quarter was $111.4 million, exceeding the estimated $110.2 million, and showing year-over-year growth from $101.8 million [3][6] Financial Performance - The net income for the quarter was $14.8 million, translating to $0.35 per diluted share, a decrease from the previous quarter's net income of $23 million or $0.55 per diluted share [4] - The company has shown improvement in earnings compared to the same quarter last year, where it had earnings of $0.27 per share, indicating a year-over-year growth in earnings [2] Revenue Analysis - AMTB's revenue of $111.44 million marked an increase from the previous year's revenue, demonstrating consistent growth in its revenue streams [3] - Over the past four quarters, the company has consistently surpassed consensus revenue estimates, highlighting its ability to generate sales [3] Financial Ratios - The price-to-earnings (P/E) ratio is approximately 178.05, indicating that investors are paying $178.05 for every dollar of earnings [5] - The price-to-sales ratio is about 1.11, suggesting the market value is slightly above its sales revenue [5] - The debt-to-equity ratio stands at approximately 1.05, showing a balanced mix of debt and equity financing, while a current ratio of around 0.22 indicates potential challenges in covering short-term liabilities with current assets [5]