Form 4: Amerant Bancorp Director Gifts Shares to Grandchildren

Amerant Bancorp Director Millar Wilson reported gifting 4,000 shares of Class A Common Stock to custodial accounts for his grandchildren.

Summary

• Millar Wilson, a Director of Amerant Bancorp Inc. (AMTB), reported a change in beneficial ownership of company stock.
• On December 19, 2025, Wilson disposed of 4,000 shares of Class A Common Stock directly.
• These shares were transferred as a bona fide gift to four separate custodial accounts, with 1,000 shares allocated to each account for his grandchildren.
• The transaction price for these gifted shares was $0.
• Following this transaction, Wilson directly beneficially owns 112,249 shares of Class A Common Stock.
• Each of the four custodial accounts for his grandchildren indirectly beneficially owns 2,345 shares of Class A Common Stock.
• Wilson disclaims any pecuniary interest in the assets of these custodial accounts or the gifted shares.

Sentiment

Score: 5

Explanation: Neutral. This is a routine insider transaction (a gift) and does not reflect positively or negatively on the company's operational or financial performance. It represents a personal financial planning move by a director.

Future Outlook

This filing does not contain any forward-looking statements or guidance regarding the company's future performance or outlook.

Management Comments

• Bona fide gift to four custodial accounts for which reporting person is the custodian. The reporting person disclaims any pecuniary interest in the accounts' assets or the gifted shares.
• These shares are held in an account for one of the reporting person's minor grandchildren and the reporting person is the custodian of the account. The reporting person disclaims ownership of the shares held in the custodial account, and this report is not an admission that the reporting person is the beneficial owner of these shares for purposes of Section 16 or for any other purpose.

Industry Context

This is a personal financial transaction by a director and does not directly reflect on broader industry trends or competitive landscape for Amerant Bancorp Inc.

Related Party Transactions

• Millar Wilson, a director, gifted 4,000 shares of Class A Common Stock to custodial accounts for his grandchildren. While a personal transaction, it involves related parties (family members of a director).

Stakeholder Impact

• Minimal impact on shareholders as this is a personal financial planning transaction by a director and not indicative of company performance or strategic shifts.
• No direct impact on employees, customers, suppliers, or creditors.

Key Dates

Keywords

Amerant Bancorp, AMTB, Millar Wilson, Director, Stock Gift, Insider Transaction, Form 4, SEC Filing, Class A Common Stock, Custodial Account