Amerant Bancorp (US:AMTB) ZACKS·2026-01-21 15:16Core Viewpoint - Analysts project that Amerant Bancorp Inc. (AMTB) will report quarterly earnings of $0.43 per share, reflecting a 14% decline year over year, with revenues expected to reach $106.51 million, down 4.3% from the same quarter last year [1]. Earnings Projections - The consensus EPS estimate has been revised 6.8% lower over the last 30 days, indicating a collective reevaluation by analysts [2]. - Changes in earnings projections are crucial for predicting investor reactions, as empirical studies show a strong correlation between earnings estimate trends and short-term stock price movements [3]. Key Financial Metrics - Total Non-Performing Loans are expected to reach $127.37 million, up from $104.10 million reported in the same quarter last year [5]. - Net interest margin is projected to remain stable at 3.8%, consistent with the year-ago value [5]. - Efficiency Ratio is expected to improve to 70.0%, compared to 74.9% in the same quarter last year [5]. - Average Balances - Total interest-earning assets are estimated at $9.36 billion, slightly up from $9.30 billion reported last year [6]. - Total Non-Performing Assets are projected to reach $143.98 million, compared to $122.18 million in the same quarter of the previous year [6]. - Noninterest income is forecasted at $17.89 million, down from $23.68 million year over year [7]. - Net interest income is expected to be $88.62 million, compared to $87.63 million reported last year [7]. Stock Performance - Over the past month, Amerant Bancorp shares have recorded a return of +1.1%, while the Zacks S&P 500 composite has changed by -0.4% [7]. - Based on its Zacks Rank 3 (Hold), AMTB is likely to perform in line with the overall market in the upcoming period [7].