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Amerant Bancorp ROA %

: 0.91% (As of Sep. 2021)
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ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Amerant Bancorp's annualized Net Income for the quarter that ended in Sep. 2021 was $68.1 Mil. Amerant Bancorp's average Total Assets over the quarter that ended in Sep. 2021 was $7,511.1 Mil. Therefore, Amerant Bancorp's annualized ROA % for the quarter that ended in Sep. 2021 was 0.91%.

The historical rank and industry rank for Amerant Bancorp's ROA % or its related term are showing as below:

NAS:AMTB' s ROA % Range Over the Past 10 Years
Min: -0.02   Med: 0.51   Max: 0.73
Current: 0.73

-0.02
0.73

During the past 6 years, Amerant Bancorp's highest ROA % was 0.73%. The lowest was -0.02%. And the median was 0.51%.

NAS:AMTB's ROA % is ranked lower than
64% of the 1471 Companies
in the Banks industry.

( Industry Median: 0.95 vs. NAS:AMTB: 0.73 )

Amerant Bancorp ROA % Historical Data

The historical data trend for Amerant Bancorp's ROA % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Amerant Bancorp Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20
ROA %
Premium Member Only 0.28 0.51 0.55 0.64 -0.02

Amerant Bancorp Quarterly Data
Dec16 Mar17 Jun17 Sep17 Dec17 Mar18 Jun18 Sep18 Dec18 Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21
ROA % Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.08 0.43 0.75 0.84 0.91

Competitive Comparison

For the Banks - Regional subindustry, Amerant Bancorp's ROA %, along with its competitors' market caps and ROA % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

   

Amerant Bancorp ROA % Distribution

For the Banks industry and Financial Services sector, Amerant Bancorp's ROA % distribution charts can be found below:

* The bar in red indicates where Amerant Bancorp's ROA % falls into.



Amerant Bancorp ROA % Calculation

Amerant Bancorp's annualized ROA % for the fiscal year that ended in Dec. 2020 is calculated as:

ROA %=Net Income (A: Dec. 2020 )/( (Total Assets (A: Dec. 2019 )+Total Assets (A: Dec. 2020 ))/ count )
=-1.722/( (7985.399+7770.893)/ 2 )
=-1.722/7878.146
=-0.02 %

Amerant Bancorp's annualized ROA % for the quarter that ended in Sep. 2021 is calculated as:

ROA %=Net Income (Q: Sep. 2021 )/( (Total Assets (Q: Jun. 2021 )+Total Assets (Q: Sep. 2021 ))/ count )
=68.124/( (7532.844+7489.305)/ 2 )
=68.124/7511.0745
=0.91 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data, the Net Income data used here is four times the quarterly (Sep. 2021) net income data. ROA % is displayed in the 30-year financial page.


Amerant Bancorp  (NAS:AMTB) ROA % Explanation

ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A bank’s ROA % is typically well under 2%.

Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:

ROA %(Q: Sep. 2021 )
=Net Income/Total Assets
=68.124/7511.0745
=(Net Income / Revenue)*(Revenue / Total Assets)
=(68.124 / 261.02)*(261.02 / 7511.0745)
=Net Margin %*Asset Turnover
=26.1 %*0.0348
=0.91 %

Note: The Net Income data used here is four times the quarterly (Sep. 2021) net income data. The Revenue data used here is four times the quarterly (Sep. 2021) revenue data.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


Be Aware

Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).

Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.

E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.


Amerant Bancorp ROA % Related Terms

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Amerant Bancorp Business Description

Amerant Bancorp logo
Industry
Financial Services » Banks NAICS : 522110 SIC : 6022
Traded in Other Exchanges
Address
220 Alhambra Circle, Coral Gables, FL, USA, 33134
Amerant Bancorp Inc is a bank holding company. Through its bank, it provides individuals and businesses deposit, credit, investment, wealth management and fiduciary services, both in the United States and to select international customers. The bank also provides banking services through traditional channels, such as banking centers and ATMs, as well as via secure websites, mobile devices, and telephone.

Amerant Bancorp Headlines

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