Form 4: Amerant Bancorp Executive Reports Stock Transactions

Amerant Bancorp's SEVP, Chief Consumer Banking Officer Braden Smith, reported the vesting of restricted stock units and subsequent share disposition for tax obligations.

Summary

• Braden Smith, SEVP, Chief Consumer Banking Officer of Amerant Bancorp Inc. (AMTB), reported transactions involving Class A Common Stock.
• On November 18, 2025, 2,000 restricted stock units (RSUs) vested, converting into 2,000 shares of Class A Common Stock at a price of $0.
• Following this, 787 shares of Class A Common Stock were disposed of at a price of $17.1 per share to satisfy tax withholding obligations related to the RSU vesting.
• After these transactions, Smith beneficially owns 2,085.424 shares of Class A Common Stock directly.
• Smith also holds 8,000 unvested restricted stock units.
• The reported beneficial ownership of 2,872.424 shares prior to the tax disposition included 872.424 shares acquired under the Amerant Bancorp Inc. Employee Stock Purchase Plan on May 30, 2025.

Sentiment

Score: 5

Explanation: The filing reports routine, pre-scheduled insider transactions (RSU vesting and tax-related share disposition) and does not contain information that would significantly alter the company's outlook or valuation.

Positives

• Vesting of 2,000 restricted stock units indicates the executive's continued long-term incentive alignment with shareholder interests.
• The executive continues to hold a significant number of unvested RSUs (8,000), reinforcing commitment to the company's future performance.

Negatives

• Disposition of 787 shares for tax withholding is a standard practice and not indicative of negative sentiment towards the company.

Future Outlook

Braden Smith has remaining 8,000 unvested Restricted Stock Units from the November 18, 2024 grant. The vesting schedule for the original 10,000 RSUs is 20% on the first two anniversaries of the grant date and 60% on the third anniversary, contingent on continuous service.

Stakeholder Impact

• Shareholders: Minor impact as this is a routine executive compensation event, aligning executive interests with long-term company performance.
• Employees: No direct impact beyond the executive involved.

Next Steps

• Future vesting of the remaining 8,000 Restricted Stock Units according to the 20%/20%/60% schedule on the second and third anniversaries of the November 18, 2024 grant date.

Key Dates

Keywords

Amerant Bancorp, AMTB, Braden Smith, SEC Form 4, Insider Transaction, Restricted Stock Units, Executive Compensation, Stock Vesting, Tax Withholding