Amerant Bancorp Q4 Earnings Call Highlights

Amerant Bancorp (NYSE:AMTB) utilized its fourth-quarter 2025 net telephone to outline a recently approved three-year strategical program and to sermon the fiscal and recognition actions absorption said are underway to “stabilize, optimize, and grow” the organization. Interim CEO Carlos Iafigliola said the program is built connected a “disciplined and sequenced roadmap” intended to heighten shareholder value, with near-term efforts focused connected recognition transformation, equilibrium expanse optimization, and operational efficiency.

Iafigliola said Amerant’s stabilization signifier is prioritizing steps to “restore predictability” successful recognition performance. He described a decisive reappraisal of the indebtedness portfolio and efforts to resoluteness recognition issues, align exposures with strategical objectives, exit non-core markets and ample exposures, and debar migration into criticized categories. Management besides emphasized much disciplined hazard enactment aligned with the company’s hazard appetite.

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On equilibrium expanse optimization, absorption said it identified components that pushed assets supra the $10 cardinal threshold and reduced non-core backing by 4th extremity to “right-size” the equilibrium expanse and amended cardinal metrics. Operationally, Iafigliola said the institution is reviewing processes and leveraging exertion to amended productivity and lawsuit experience, including launching an AI task to place usage cases to optimize processes.

The institution besides highlighted superior actions. CFO Sharymar Calderón said Amerant repurchased 737,334 shares during the 4th astatine a weighted mean terms of $17.63 per share, compared with tangible publication worth of $22.56 astatine December 31, 2025, which she said represented 78% of tangible publication value. Calderón added that CET1 was 11.8%, up from 11.54% successful the anterior quarter, and noted $13 cardinal successful stock repurchases and $3.7 cardinal successful shareholder dividends during the period. The committee approved a quarterly dividend of $0.09 per stock payable February 27.

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Calderón reported diluted EPS of $0.07 for the 4th quarter, down from $0.35 successful the 3rd quarter. Net involvement income totaled $90.2 million, a $4.0 cardinal diminution from the anterior quarter, which absorption attributed to a smaller equilibrium sheet, asset-liability repricing timing aft involvement complaint cuts, and little interaction versus the anterior 4th from postulation efforts connected antecedently classified loans. Net involvement borderline decreased to 3.78% from 3.92% successful the 3rd quarter.