Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net income | $23.6M | $43.1M | $45.8M | $51.3M | -$1.72M | $113M | $63.3M | $32.5M | -$15.8M | $52.4M |
| EPS (diluted) | $0.55 | $1.01 | $1.08 | $1.20 | -$0.04 | $3.01 | $1.85 | $0.96 | -$0.44 | $1.26 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $75.3M | $73.3M | $62.2M | $78.4M | $57.2M | $67.4M | -$49.2M | $26.7M | $82.2M | $137M |
| Capital expenditures | $8.54M | $8.61M | $10.0M | $14.3M | $5.57M | $6.58M | $10.6M | $10.9M | $7.40M | $7.75M |
| Free cash flow | $66.7M | $64.7M | $52.1M | $64.1M | $51.7M | $60.9M | -$59.8M | $15.8M | $74.8M | $129M |
| Share buybacks | — | — | — | $0.00 | $0.00 | $36.3M | $72.1M | $4.93M | $7.56M | $33.0M |
| Dividends paid | $0.00 | $0.00 | $40.0M | $0.00 | $0.00 | $0.00 | $12.2M | $12.1M | $12.8M | $15.1M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $135M | $153M | $85.7M | $121M | $214M | $274M | $291M | $322M | $590M | $470M |
| Total assets | — | $8.44B | $8.12B | $7.99B | $7.77B | $7.64B | $9.13B | $9.72B | $9.90B | $9.78B |
| Total liabilities | — | $7.68B | $7.38B | $7.15B | $6.99B | $6.81B | $8.42B | $8.98B | $9.01B | $8.84B |
| Shareholders' equity | $705M | $753M | $747M | $835M | $783M | $832M | $706M | $736M | $890M | $939M |
| Retained earnings | — | $388M | $394M | $444M | $442M | $553M | $553M | $611M | $582M | $620M |
| Shares (wtd avg diluted) | 42.5M | 42.5B | 42.5B | 42.9B | 41.7M | 37.5M | 34.1M | 33.7M | 35.8M | 41.7M |
Every figure is extracted from Amerant Bancorp Inc.’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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