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AMTB (Amerant Bancorp) ROA % : -1.92% (As of Sep. 2024)


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What is Amerant Bancorp ROA %?

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. 2024 was $-192.7 Mil. Amerant Bancorp's average Total Assets over the quarter that ended in Sep. 2024 was $10,050.4 Mil. Therefore, Amerant Bancorp's annualized ROA % for the quarter that ended in Sep. 2024 was -1.92%.

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

AMTB' s ROA % Range Over the Past 10 Years
Min: -0.51   Med: 0.53   Max: 1.47
Current: -0.51

During the past 9 years, Amerant Bancorp's highest ROA % was 1.47%. The lowest was -0.51%. And the median was 0.53%.

AMTB's ROA % is ranked worse than
96.35% of 1535 companies
in the Banks industry
Industry Median: 0.86 vs AMTB: -0.51

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 ROA % Chart

Amerant Bancorp Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
ROA %
Get a 7-Day Free Trial Premium Member Only 0.64 -0.02 1.47 0.76 0.34

Amerant Bancorp Quarterly Data
Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24
ROA % Get a 7-Day Free Trial 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 0.94 -0.72 0.43 0.20 -1.92

Competitive Comparison of Amerant Bancorp's ROA %

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's ROA % Distribution in the Banks Industry

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. 2023 is calculated as:

ROA %=Net Income (A: Dec. 2023 )/( (Total Assets (A: Dec. 2022 )+Total Assets (A: Dec. 2023 ))/ count )
=32.49/( (9127.804+9716.327)/ 2 )
=32.49/9422.0655
=0.34 %

Amerant Bancorp's annualized ROA % for the quarter that ended in Sep. 2024 is calculated as:

ROA %=Net Income (Q: Sep. 2024 )/( (Total Assets (Q: Jun. 2024 )+Total Assets (Q: Sep. 2024 ))/ count )
=-192.656/( (9747.738+10353.127)/ 2 )
=-192.656/10050.4325
=-1.92 %

* 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. 2024) net income data. ROA % is displayed in the 30-year financial page.


Amerant Bancorp  (NYSE: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. 2024 )
=Net Income/Total Assets
=-192.656/10050.4325
=(Net Income / Revenue)*(Revenue / Total Assets)
=(-192.656 / 126.056)*(126.056 / 10050.4325)
=Net Margin %*Asset Turnover
=-152.83 %*0.0125
=-1.92 %

Note: The Net Income data used here is four times the quarterly (Sep. 2024) net income data. The Revenue data used here is four times the quarterly (Sep. 2024) 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

Traded in Other Exchanges
N/A
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 telephones.
Executives
Armando Fleitas officer: See remarks 220 ALHAMBRA CIRCLE, CORAL GABLES FL 33134
Carlos Iafigliola officer: See remarks 220 ALHAMBRA CIRCLE, CORAL GABLES FL 33134
Howard A. Levine officer: See remarks 220 ALHAMBRA CR., CORAL GABLES FL 33134
Sharymar Calderon officer: EVP - Chief Financial Officer 220 ALHAMBRA CR., CORAL GABLES FL 33134
Silvio Marshall Martin officer: See remarks 220 ALHAMBRA CR., CORAL GABLES FL 33134
Juan Esterripa officer: See remarks 220 ALHAMBRA CR., CORAL GABLES FL 33134
Gerald P Plush director AMERANT BANCORP INC., 220 ALHAMBRA CR. 12TH FLOOR, CORAL GABLES FL 33134
Ashaki Rucker director 220 ALHAMBRA CR., CORAL GABLES FL 33134
Mariola Sanchez officer: EVP Chief People Officer 220 ALHAMBRA CR., CORAL GABLES FL 33134
Erin D. Knight director 220 ALHAMBRA CR., CORAL GABLES FL 33134
Capriles L. Miguel A director 220 ALHAMBRA CIRCLE, CORAL GABLES FL 33134
Vollmer A. Gustavo J director 220 ALHAMBRA CIRCLE, CORAL GABLES FL 33134
Orlando D Ashford director C/O AMERANT BANK, 220 ALHAMBRA CR., CORAL GABLES FL 33134
Oscar Suarez director 220 ALHAMBRA CR., CORAL GABLES FL 33134
Samantha Holroyd director 1711 MARAVILLA DR., HOUSTON TX 77055