Ameris Bancorp (ABCB) Financials

$65.91 -2.44 (-3.57%)

Closing price 08/1/2025 03:59 PM Eastern

Extended Trading

$65.52 -0.39 (-0.59%)

As of 08/1/2025 06:27 PM Eastern

Annual Income Statements for Ameris Bancorp

This table shows Ameris Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Income / (Loss) Attributable to Common Shareholders	41	72	74	121	161	262	377	347	269	359
Consolidated Net Income / (Loss)	41	72	74	121	161	262	377	347	269	359
Net Income / (Loss) Continuing Operations	41	72	74	121	161	261	377	347	269	359
Total Pre-Tax Income	57	105	124	151	212	340	496	453	357	476
Total Revenue	261	325	365	462	703	1,077	1,021	1,085	1,078	1,142
Net Interest Income / (Expense)	176	219	260	343	505	638	655	801	835	849
Total Interest Income	190	239	294	413	636	727	703	894	1,280	1,378
Loans and Leases Interest Income	172	219	271	378	587	691	676	835	1,172	1,266
Investment Securities Interest Income	18	20	22	30	41	34	23	36	60	63
Deposits and Money Market Investments Interest Income	0.79	0.83	1.73	4.98	8.14	1.74	3.88	23	48	50
Federal Funds Sold and Securities Borrowed Interest Income	0.03	0.03	0.00	0.23	0.68	0.15	0.04	0.08	0.00	0.00
Total Interest Expense	15	20	34	70	131	89	48	93	445	529
Deposits Interest Expense	9.75	12	20	49	103	59	22	56	356	485
Long-Term Debt Interest Expense	5.10	7.28	14	21	29	30	25	37	89	44
Total Non-Interest Income	86	106	104	118	198	447	366	284	243	293
Service Charges on Deposit Accounts	-	43	42	46	51	44	45	44	47	51
Other Service Charges	81	11	9.24	16	22	21	27	240	197	230
Net Realized & Unrealized Capital Gains on Investments	4.66	4.07	4.63	2.69	6.20	0.01	7.14	0.20	-0.30	12
Provision for Credit Losses	5.26	4.09	8.36	17	20	126	-35	72	143	59
Total Non-Interest Expense	199	216	232	294	472	599	560	561	578	608
Salaries and Employee Benefits	94	107	120	149	224	360	338	320	320	348
Net Occupancy & Equipment Expense	41	49	52	60	79	98	94	101	105	108
Marketing Expense	3.31	4.18	5.13	5.57	7.93	8.05	8.43	12	12	13
Other Operating Expenses	31	39	47	45	66	125	101	107	123	122
Amortization Expense	3.74	4.38	3.93	9.51	18	20	15	20	18	17
Restructuring Charge	7.98	6.38	0.92	20	73	-	4.21	1.21	0.00	0.00
Income Tax Expense	16	33	51	30	50	78	119	107	88	117
Basic Earnings per Share	$1.29	$2.10	$2.00	$2.81	$2.76	$3.78	$5.43	$5.01	$3.90	$5.21
Weighted Average Basic Shares Outstanding	31.76M	34.35M	36.83M	43.14M	58.46M	69.26M	69.43M	69.19M	68.98M	68.81M
Diluted Earnings per Share	$1.27	$2.08	$1.98	$2.80	$2.75	$3.77	$5.40	$4.99	$3.89	$5.19
Weighted Average Diluted Shares Outstanding	32.13M	34.70M	37.14M	43.25M	58.61M	69.43M	69.76M	69.42M	69.10M	69.06M
Weighted Average Basic & Diluted Shares Outstanding	31.70M	35.12M	36.80M	43.10M	69.34M	69.62M	69.68M	69.39M	69.03M	69.07M
Cash Dividends to Common per Share	$0.20	$0.30	$0.40	$0.40	$0.50	$0.60	$0.60	$0.60	$0.60	$0.65

This table shows Ameris Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024
Net Income / (Loss) Attributable to Common Shareholders	93	82	60	63	80	66	74	91	99	94
Consolidated Net Income / (Loss)	93	82	60	63	80	66	74	91	99	94
Net Income / (Loss) Continuing Operations	93	82	60	63	80	66	74	91	99	94
Total Pre-Tax Income	121	105	79	83	105	90	97	127	126	126
Total Revenue	278	272	268	277	271	262	267	301	284	291
Net Interest Income / (Expense)	213	224	212	210	208	206	201	212	214	222
Total Interest Income	234	274	296	322	331	332	329	347	355	346
Loans and Leases Interest Income	216	250	272	292	305	303	303	318	326	319
Investment Securities Interest Income	11	13	15	16	15	14	13	17	16	16
Federal Funds Sold and Securities Borrowed Interest Income	7.22	-13	9.11	14	11	-34	13	12	14	-39
Total Interest Expense	21	50	84	112	123	126	128	135	141	125
Deposits Interest Expense	14	33	53	88	103	112	118	121	130	116
Long-Term Debt Interest Expense	7.29	16	31	24	20	14	9.89	14	11	8.99
Total Non-Interest Income	65	48	56	67	63	56	66	89	70	69
Service Charges on Deposit Accounts	11	11	11	11	12	12	12	13	13	14
Other Service Charges	14	199	14	15	15	153	15	17	19	179
Net Realized & Unrealized Capital Gains on Investments	-0.02	0.00	0.01	-0.01	-0.02	-0.29	-0.01	12	-0.01	-0.02
Provision for Credit Losses	18	33	50	46	24	23	21	19	6.11	13
Total Non-Interest Expense	140	135	139	148	141	149	149	155	152	152
Salaries and Employee Benefits	79	75	81	81	82	76	83	88	89	88
Net Occupancy & Equipment Expense	25	25	26	26	26	27	28	28	27	26
Marketing Expense	3.55	3.37	3.53	2.63	2.72	2.76	2.55	3.57	4.09	2.41
Other Operating Expenses	28	26	24	34	27	39	31	31	28	31
Amortization Expense	4.71	4.71	4.71	4.69	4.43	4.43	4.42	4.41	4.18	4.18
Income Tax Expense	29	22	18	20	25	24	23	36	27	32
Basic Earnings per Share	$1.34	$1.19	$0.87	$0.91	$1.16	$0.96	$1.08	$1.32	$1.44	$1.37
Weighted Average Basic Shares Outstanding	69.13M	69.19M	69.17M	68.99M	68.88M	68.98M	68.81M	68.82M	68.80M	68.81M
Diluted Earnings per Share	$1.34	$1.18	$0.87	$0.91	$1.16	$0.95	$1.08	$1.32	$1.44	$1.35
Weighted Average Diluted Shares Outstanding	69.33M	69.42M	69.32M	69.03M	68.99M	69.10M	69.01M	69.01M	69.07M	69.06M
Weighted Average Basic & Diluted Shares Outstanding	69.35M	69.39M	69.37M	69.14M	69.05M	69.03M	69.11M	69.07M	69.07M	69.07M
Cash Dividends to Common per Share	$0.15	$0.15	$0.15	$0.15	$0.15	$0.15	$0.15	$0.15	$0.15	$0.20

This table details how cash moves in and out of Ameris Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Change in Cash & Equivalents	220	-192	132	349	-58	1,495	1,947	-2,947	49	53
Net Cash From Operating Activities	-25	-70	-63	-109	-940	798	9.14	1,062	569	154
Net Cash From Continuing Operating Activities	-25	-70	-63	-109	-940	798	9.14	1,062	569	154
Net Income / (Loss) Continuing Operations	41	72	74	121	161	262	377	347	269	359
Consolidated Net Income / (Loss)	41	72	74	121	161	262	377	347	269	359
Provision For Loan Losses	5.26	4.09	8.36	17	20	145	-35	72	143	59
Depreciation Expense	8.06	9.52	9.20	10	13	16	17	41	35	37
Amortization Expense	18	30	18	21	38	48	36	13	11	9.93
Non-Cash Adjustments to Reconcile Net Income	-101	-177	-169	-273	-1,160	369	-410	599	92	-328
Changes in Operating Assets and Liabilities, net	4.46	-8.89	-2.44	-4.52	-13	-42	25	-8.73	20	18
Net Cash From Investing Activities	-168	-803	-667	-53	-487	-1,201	-421	-4,875	-338	-847
Net Cash From Continuing Investing Activities	-168	-803	-667	-53	-487	-1,201	-421	-4,875	-338	-847
Purchase of Property, Leasehold Improvements and Equipment	-13	-11	-3.76	-10	-12	-18	-25	-14	-18	-13
Purchase of Investment Securities	-876	-353	-113	-257	-323	0.00	-376	-5,175	-486	-1,440
Sale of Property, Leasehold Improvements and Equipment	0.24	0.30	0.02	0.59	5.59	0.72	1.96	0.05	3.93	0.25
Sale and/or Maturity of Investments	235	376	257	234	471	573	545	314	162	607
Net Cash From Financing Activities	413	680	862	511	1,370	1,898	2,359	866	-182	746
Net Cash From Continuing Financing Activities	413	680	862	511	1,370	1,898	2,359	866	-182	746
Net Change in Deposits	354	295	1,051	853	334	2,933	2,708	-203	1,246	1,014
Issuance of Debt	0.00	636	1,838	1,530	5,237	7,203	0.00	3,950	15,842	6,308
Repayment of Debt	-40	-231	-2,080	-1,844	-4,141	-8,182	-296	-2,815	-17,208	-6,527
Repurchase of Common Equity	-0.73	-1.23	-0.89	-2.06	-18	-8.00	-9.44	-22	-20	-7.95
Payment of Dividends	-6.44	-8.58	-15	-16	-25	-42	-42	-42	-42	-41
Other Financing Activities, Net	-8.53	-9.12	-20	-9.34	-17	-6.73	-1.26	-3.05	0.48	0.00
Cash Interest Paid	15	19	32	68	125	95	49	87	418	540
Cash Income Taxes Paid	5.83	41	39	20	36	99	72	134	101	103

This table details how cash moves in and out of Ameris Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024
Net Change in Cash & Equivalents	-976	-213	903	-702	227	-378	44	151	-3.04	-139
Net Cash From Operating Activities	349	-0.32	132	92	132	213	19	-97	102	131
Net Cash From Continuing Operating Activities	355	-0.32	132	92	132	213	19	-97	102	131
Net Income / (Loss) Continuing Operations	93	82	60	63	80	66	74	91	99	94
Consolidated Net Income / (Loss)	93	82	60	63	80	66	74	91	99	94
Provision For Loan Losses	38	33	50	46	24	23	21	19	6.11	13
Depreciation Expense	4.62	27	4.65	4.76	4.85	20	4.84	4.80	4.70	22
Amortization Expense	14	-14	9.09	8.43	6.76	-13	7.99	7.58	7.55	-13
Non-Cash Adjustments to Reconcile Net Income	205	-120	7.81	-29	16	97	-90	-219	-15	-3.87
Net Cash From Investing Activities	-1,395	-1,349	-169	-458	285	4.12	-370	-500	70	-46
Net Cash From Continuing Investing Activities	-1,395	-1,349	-169	-458	285	4.12	-370	-500	70	-46
Purchase of Property, Leasehold Improvements and Equipment	-3.12	-2.26	-3.26	-4.62	-3.80	-5.85	-3.44	-3.28	-2.41	-4.36
Purchase of Investment Securities	-313	-4,165	-36	28	-1.08	-477	-71	-190	-295	-884
Sale and/or Maturity of Investments	153	54	23	19	37	83	50	102	428	26
Net Cash From Financing Activities	70	1,136	941	-336	-191	-595	395	748	-175	-223
Net Cash From Continuing Financing Activities	70	1,136	941	-336	-191	-595	395	748	-175	-223
Net Change in Deposits	-218	-4.18	435	546	147	118	289	447	435	-157
Issuance of Debt	350	3,600	6,655	3,970	3,212	2,005	983	2,370	1,090	1,865
Repayment of Debt	-50	-2,450	-6,130	-4,833	-3,539	-2,705	-861	-2,055	-1,690	-1,921
Repurchase of Common Equity	-0.14	-	-9.06	-7.99	-0.03	-3.27	-4.89	-2.96	-	-0.10
Payment of Dividends	-10	-10	-11	-10	-10	-10	-10	-10	-10	-10
Cash Interest Paid	19	45	77	105	109	127	130	138	140	132
Cash Income Taxes Paid	31	51	-0.00	62	26	13	0.40	56	42	4.94

This table presents Ameris Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Total Assets	5,589	6,892	7,856	11,444	18,243	20,439	23,858	25,053	25,204	26,262
Cash and Due from Banks	119	127	139	172	246	203	308	285	230	245
Interest Bearing Deposits at Other Banks	267	71	191	472	351	1,894	3,737	834	937	975
Trading Account Securities	783	823	811	1,192	1,403	983	672	1,635	1,544	1,836
Loans and Leases, Net of Allowance	3,888	5,240	6,021	8,483	-38	14,282	15,707	19,650	19,962	20,402
Loans and Leases	3,909	5,264	6,046	8,512	-	14,481	15,874	19,855	20,269	20,740
Allowance for Loan and Lease Losses	21	24	26	29	38	199	168	206	307	338
Loans Held for Sale	111	106	197	111	1,657	1,168	1,255	392	281	529
Premises and Equipment, Net	122	121	118	145	233	223	225	220	216	209
Goodwill	90	126	126	503	932	928	1,013	1,016	1,016	1,016
Intangible Assets	17	17	13	59	92	72	126	106	88	71
Other Assets	187	260	240	259	13,323	654	16,503	916	928	979
Total Liabilities & Shareholders' Equity	5,589	6,892	7,856	11,444	18,243	20,439	23,858	25,053	25,204	26,262
Total Liabilities	5,074	6,246	7,052	9,987	15,773	17,792	20,892	21,856	21,777	22,511
Non-Interest Bearing Deposits	1,330	1,573	1,777	2,520	4,199	6,151	7,775	7,930	6,492	6,498
Interest Bearing Deposits	3,549	4,002	4,849	7,129	9,828	10,807	11,891	11,533	14,217	15,224
Long-Term Debt	109	577	336	89	1,526	550	866	2,004	640	424
Other Long-Term Liabilities	22	40	59	77	199	273	354	389	429	364
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	515	646	804	1,456	2,470	2,647	2,966	3,197	3,427	3,752
Total Preferred & Common Equity	515	646	804	1,456	2,470	2,647	2,966	3,197	3,427	3,752
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	515	646	804	1,456	2,470	2,647	2,966	3,197	3,427	3,752
Common Stock	371	447	547	1,101	1,979	1,985	1,997	2,007	2,018	2,031
Retained Earnings	153	214	273	377	508	672	1,006	1,311	1,540	1,853
Treasury Stock	-12	-14	-14	-17	-35	-43	-52	-75	-95	-103
Accumulated Other Comprehensive Income / (Loss)	3.35	-1.06	-1.28	-4.83	18	34	16	-47	-36	-30

This table presents Ameris Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024
Period end date	9/30/2022	3/31/2023	6/30/2023	9/30/2023	3/31/2024	6/30/2024	9/30/2024
Total Assets	23,814	26,088	25,801	25,698	25,655	26,521	26,400
Cash and Due from Banks	269	266	285	241	236	257	232
Interest Bearing Deposits at Other Banks	-	-	-	-	975	1,105	1,128
Trading Account Securities	1,385	1,631	1,603	1,566	1,561	1,680	1,603
Loans and Leases, Net of Allowance	18,622	19,755	20,200	19,911	20,280	20,656	20,631
Loans and Leases	18,807	19,998	20,472	20,201	20,600	20,993	20,965
Allowance for Loan and Lease Losses	185	243	272	290	320	336	334
Loans Held for Sale	298	395	391	381	364	570	553
Premises and Equipment, Net	223	219	219	218	215	213	211
Goodwill	1,023	1,016	1,016	1,016	1,016	1,016	1,016
Intangible Assets	111	101	97	92	84	79	75
Other Assets	821	950	956	968	924	944	952
Total Liabilities & Shareholders' Equity	23,814	26,088	25,801	25,698	25,655	26,521	26,400
Total Liabilities	20,695	22,835	22,516	22,351	22,171	22,954	22,718
Non-Interest Bearing Deposits	8,343	7,298	6,707	6,590	6,538	6,649	6,670
Interest Bearing Deposits	11,124	12,600	13,736	14,001	14,459	14,795	15,209
Long-Term Debt	853	2,530	1,666	1,339	762	1,078	478
Other Long-Term Liabilities	374	408	407	421	411	432	361
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	3,119	3,253	3,285	3,347	3,485	3,567	3,681
Total Preferred & Common Equity	3,119	3,253	3,285	3,347	3,485	3,567	3,681
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	3,119	3,253	3,285	3,347	3,485	3,567	3,681
Common Stock	2,005	2,010	2,012	2,015	2,021	2,024	2,027
Retained Earnings	1,239	1,363	1,415	1,484	1,604	1,684	1,773
Treasury Stock	-75	-84	-92	-92	-100	-103	-103
Accumulated Other Comprehensive Income / (Loss)	-51	-36	-51	-61	-40	-38	-16

This table displays calculated financial ratios and metrics derived from Ameris Bancorp's official financial filings.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	22.75%	24.53%	12.12%	26.67%	52.29%	53.14%	-5.21%	6.33%	-0.70%	5.99%
EBITDA Growth	1.43%	75.98%	4.58%	20.27%	44.12%	58.35%	31.86%	-7.69%	-20.50%	29.72%
EBIT Growth	0.96%	85.48%	18.09%	21.89%	39.67%	66.40%	40.91%	-8.67%	-21.22%	33.32%
NOPAT Growth	5.49%	76.51%	2.01%	64.56%	33.39%	61.83%	44.27%	-8.06%	-22.35%	33.29%
Net Income Growth	5.49%	76.51%	2.01%	64.56%	33.39%	62.28%	43.87%	-8.06%	-22.35%	33.29%
EPS Growth	-13.01%	63.78%	-4.81%	41.41%	-1.79%	37.09%	43.24%	-7.59%	-22.04%	33.42%
Operating Cash Flow Growth	-350.73%	-176.60%	10.33%	-73.91%	-764.14%	184.92%	-98.86%	11,524.43%	-46.45%	-72.90%
Free Cash Flow Firm Growth	-159.59%	-723.17%	134.58%	-337.92%	-402.38%	150.04%	-123.69%	-301.17%	238.12%	-82.21%
Invested Capital Growth	17.77%	85.75%	-8.25%	46.66%	133.83%	-20.12%	19.65%	35.51%	-21.82%	2.68%
Revenue Q/Q Growth	0.00%	0.00%	3.27%	8.69%	12.92%	5.68%	-1.90%	2.25%	-0.93%	2.55%
EBITDA Q/Q Growth	127.95%	309.27%	2.73%	13.77%	19.04%	14.87%	-6.25%	-0.34%	-4.71%	7.73%
EBIT Q/Q Growth	0.00%	0.00%	5.12%	14.63%	17.59%	18.76%	-5.77%	-0.65%	-3.81%	8.10%
NOPAT Q/Q Growth	0.00%	0.00%	-10.93%	39.69%	12.32%	14.11%	-2.99%	0.08%	-5.71%	8.61%
Net Income Q/Q Growth	0.00%	0.00%	-10.93%	39.69%	12.32%	14.43%	-3.17%	0.08%	-5.71%	8.61%
EPS Q/Q Growth	0.00%	0.00%	-13.16%	37.25%	-7.09%	17.81%	-3.23%	0.20%	-5.58%	8.35%
Operating Cash Flow Q/Q Growth	-207.04%	-0.41%	39.38%	-80.09%	-56.03%	2,918.05%	-94.34%	-20.08%	59.93%	-34.82%
Free Cash Flow Firm Q/Q Growth	1.42%	-7.70%	136.89%	-15.50%	-32.91%	86.73%	-150.18%	-498.54%	427.64%	-70.86%
Invested Capital Q/Q Growth	3.75%	11.72%	-31.50%	-20.66%	2.55%	-10.21%	11.05%	30.93%	-13.23%	0.38%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	31.56%	44.60%	41.60%	39.50%	37.38%	38.65%	53.77%	46.68%	37.38%	45.74%
EBIT Margin	21.73%	32.37%	34.09%	32.80%	30.09%	32.69%	48.60%	41.74%	33.11%	41.65%
Profit (Net Income) Margin	15.64%	22.17%	20.17%	26.21%	22.96%	24.33%	36.92%	31.93%	24.97%	31.40%
Tax Burden Percent	71.98%	68.51%	59.18%	79.89%	76.30%	77.17%	75.97%	76.48%	75.39%	75.38%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	96.43%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	28.02%	31.49%	40.82%	20.11%	23.70%	23.05%	24.03%	23.52%	24.61%	24.62%
Return on Invested Capital (ROIC)	6.43%	7.34%	6.01%	8.38%	5.63%	7.23%	10.70%	7.67%	5.81%	8.70%
ROIC Less NNEP Spread (ROIC-NNEP)	6.43%	7.34%	6.01%	8.38%	5.63%	7.30%	10.70%	7.67%	5.81%	8.70%
Return on Net Nonoperating Assets (RNNOA)	2.85%	5.08%	4.13%	2.33%	2.59%	3.01%	2.73%	3.58%	2.32%	1.29%
Return on Equity (ROE)	9.28%	12.42%	10.14%	10.71%	8.22%	10.24%	13.43%	11.24%	8.13%	9.99%
Cash Return on Invested Capital (CROIC)	-9.89%	-52.67%	14.61%	-29.45%	-74.55%	29.61%	-7.19%	-22.49%	30.30%	6.06%
Operating Return on Assets (OROA)	1.18%	1.69%	1.69%	1.57%	1.43%	1.82%	2.24%	1.85%	1.42%	1.85%
Return on Assets (ROA)	0.85%	1.16%	1.00%	1.25%	1.09%	1.35%	1.70%	1.42%	1.07%	1.39%
Return on Common Equity (ROCE)	9.28%	12.42%	10.14%	10.71%	8.22%	10.24%	13.43%	11.24%	8.13%	9.99%
Return on Equity Simple (ROE_SIMPLE)	7.94%	11.15%	9.14%	8.31%	6.54%	9.90%	12.71%	10.84%	7.85%	9.56%
Net Operating Profit after Tax (NOPAT)	41	72	74	121	161	261	377	347	269	359
NOPAT Margin	15.64%	22.17%	20.17%	26.21%	22.96%	24.26%	36.92%	31.93%	24.97%	31.40%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	-0.07%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	52.99%	49.21%	48.51%	46.39%	44.22%	43.33%	43.13%	39.83%	40.51%	41.03%
Operating Expenses to Revenue	76.25%	66.38%	63.62%	63.59%	67.11%	55.58%	54.87%	51.65%	53.65%	53.20%
Earnings before Interest and Taxes (EBIT)	57	105	124	151	212	352	496	453	357	476
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	82	145	152	182	263	416	549	507	403	523
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.89	2.11	2.01	0.94	1.11	0.95	1.12	1.00	1.06	1.15
Price to Tangible Book Value (P/TBV)	2.38	2.71	2.43	1.53	1.89	1.52	1.81	1.53	1.56	1.62
Price to Revenue (P/Rev)	3.72	4.19	4.44	2.97	3.89	2.32	3.24	2.93	3.36	3.78
Price to Earnings (P/E)	23.78	18.90	22.03	11.33	16.94	9.55	8.78	9.18	13.45	12.05
Dividend Yield	0.66%	0.77%	0.92%	1.39%	1.27%	1.67%	1.26%	1.31%	1.14%	1.04%
Earnings Yield	4.21%	5.29%	4.54%	8.83%	5.90%	10.47%	11.39%	10.89%	7.43%	8.30%
Enterprise Value to Invested Capital (EV/IC)	1.10	1.41	1.41	0.55	0.91	0.29	0.03	0.78	0.76	0.84
Enterprise Value to Revenue (EV/Rev)	2.88	5.52	4.54	2.04	5.20	0.88	0.12	3.75	2.87	3.09
Enterprise Value to EBITDA (EV/EBITDA)	9.14	12.37	10.92	5.16	13.92	2.27	0.21	8.03	7.68	6.75
Enterprise Value to EBIT (EV/EBIT)	13.27	17.05	13.33	6.22	17.30	2.69	0.24	8.98	8.66	7.41
Enterprise Value to NOPAT (EV/NOPAT)	18.44	24.89	22.52	7.78	22.67	3.62	0.31	11.74	11.49	9.83
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	0.00	0.00	0.00	0.00	1.18	12.85	3.83	5.44	22.86
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	9.26	0.00	0.00	0.88	0.00	0.00	2.20	14.12
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.34	0.97	0.46	0.18	0.63	0.21	0.29	0.63	0.19	0.11
Long-Term Debt to Equity	0.21	0.89	0.42	0.06	0.62	0.21	0.29	0.63	0.19	0.11
Financial Leverage	0.44	0.69	0.69	0.28	0.46	0.41	0.26	0.47	0.40	0.15
Leverage Ratio	10.93	10.75	10.16	8.54	7.56	7.56	7.89	7.94	7.59	7.17
Compound Leverage Factor	10.93	10.75	10.16	8.54	7.56	7.29	7.89	7.94	7.59	7.17
Debt to Total Capital	25.10%	49.36%	31.31%	15.21%	38.51%	17.49%	22.72%	38.53%	15.74%	10.16%
Short-Term Debt to Total Capital	9.25%	4.19%	2.62%	10.02%	0.51%	0.36%	0.15%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	15.84%	45.17%	28.70%	5.19%	38.00%	17.13%	22.57%	38.53%	15.74%	10.16%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	74.90%	50.64%	68.69%	84.79%	61.49%	82.51%	77.28%	61.47%	84.26%	89.84%
Debt to EBITDA	2.09	4.34	2.42	1.43	5.88	1.35	1.59	3.95	1.59	0.81
Net Debt to EBITDA	-2.65	2.98	0.24	-2.35	3.52	-3.74	-5.82	1.75	-1.31	-1.52
Long-Term Debt to EBITDA	1.32	3.98	2.22	0.49	5.81	1.32	1.58	3.95	1.59	0.81
Debt to NOPAT	4.22	8.74	4.99	2.16	9.58	2.15	2.31	5.78	2.38	1.18
Net Debt to NOPAT	-5.34	5.99	0.49	-3.54	5.73	-5.96	-8.47	2.56	-1.96	-2.22
Long-Term Debt to NOPAT	2.67	8.00	4.57	0.74	9.45	2.10	2.30	5.78	2.38	1.18
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-63	-517	179	-425	-2,137	1,070	-253	-1,016	1,404	250
Operating Cash Flow to CapEx	-204.53%	-653.13%	-1,670.99%	-1,154.90%	-15,685.87%	4,589.01%	38.91%	7,857.37%	4,181.68%	1,165.74%
Free Cash Flow to Firm to Interest Expense	-4.23	-26.26	5.23	-6.08	-16.29	12.05	-5.30	-10.95	3.15	0.47
Operating Cash Flow to Interest Expense	-1.70	-3.54	-1.83	-1.56	-7.16	9.00	0.19	11.44	1.28	0.29
Operating Cash Flow Less CapEx to Interest Expense	-2.53	-4.08	-1.94	-1.69	-7.21	8.80	-0.30	11.30	1.25	0.27
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.05	0.05	0.05	0.05	0.05	0.06	0.05	0.04	0.04	0.04
Fixed Asset Turnover	2.39	2.68	3.05	3.51	3.72	4.72	4.55	4.87	4.94	5.36
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	687	1,276	1,171	1,718	4,016	3,208	3,839	5,201	4,067	4,176
Invested Capital Turnover	0.41	0.33	0.30	0.32	0.25	0.30	0.29	0.24	0.23	0.28
Increase / (Decrease) in Invested Capital	104	589	-105	546	2,299	-808	630	1,363	-1,135	109
Enterprise Value (EV)	753	1,795	1,656	942	3,660	946	117	4,067	3,092	3,525
Market Capitalization	971	1,363	1,620	1,371	2,735	2,502	3,310	3,181	3,620	4,322
Book Value per Share	$15.99	$18.51	$21.61	$30.66	$35.45	$38.09	$42.60	$46.10	$49.63	$54.32
Tangible Book Value per Share	$12.66	$14.42	$17.87	$18.83	$20.76	$23.70	$26.25	$29.93	$33.64	$38.59
Total Capital	687	1,276	1,171	1,718	4,016	3,208	3,839	5,201	4,067	4,176
Total Debt	172	630	367	261	1,547	561	872	2,004	640	424
Total Long-Term Debt	109	577	336	89	1,526	550	866	2,004	640	424
Net Debt	-218	432	36	-429	925	-1,556	-3,193	886	-527	-796
Capital Expenditures (CapEx)	12	11	3.74	9.42	5.99	17	23	14	14	13
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	-0.73	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	172	630	367	261	1,547	561	872	2,004	640	424
Total Depreciation and Amortization (D&A)	26	40	27	31	51	64	53	54	46	47
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.00	$2.10	$2.00	$2.81	$0.00	$3.78	$5.43	$5.01	$3.90	$5.21
Adjusted Weighted Average Basic Shares Outstanding	0.00	34.35M	36.83M	43.14M	0.00	69.26M	69.43M	69.19M	68.98M	68.81M
Adjusted Diluted Earnings per Share	$0.00	$2.08	$1.98	$2.80	$0.00	$3.77	$5.40	$4.99	$3.89	$5.19
Adjusted Weighted Average Diluted Shares Outstanding	0.00	34.70M	37.14M	43.25M	0.00	69.43M	69.76M	69.42M	69.10M	69.06M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	0.00	35.12M	38.24M	47.50M	0.00	69.62M	69.68M	69.39M	69.03M	69.07M
Normalized Net Operating Profit after Tax (NOPAT)	47	76	74	137	217	261	380	347	269	359
Normalized NOPAT Margin	17.84%	23.52%	20.32%	29.75%	30.89%	24.26%	37.23%	32.01%	24.97%	31.40%
Pre Tax Income Margin	21.73%	32.37%	34.09%	32.80%	30.09%	31.52%	48.60%	41.74%	33.11%	41.65%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	3.82	5.34	3.63	2.17	1.61	3.97	10.38	4.88	0.80	0.90
NOPAT to Interest Expense	2.75	3.66	2.15	1.73	1.23	2.94	7.89	3.73	0.60	0.68
EBIT Less CapEx to Interest Expense	2.99	4.80	3.52	2.03	1.57	3.77	9.89	4.73	0.77	0.87
NOPAT Less CapEx to Interest Expense	1.92	3.12	2.04	1.60	1.18	2.75	7.40	3.59	0.57	0.65
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	15.76%	11.91%	19.92%	13.55%	15.28%	15.91%	11.09%	12.01%	15.48%	11.56%
Augmented Payout Ratio	17.56%	13.60%	21.12%	15.26%	26.69%	18.96%	13.59%	18.48%	23.04%	13.78%

This table displays calculated financial ratios and metrics derived from Ameris Bancorp's official financial filings.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	16.83%	9.61%	3.18%	0.61%	-2.65%	-3.72%	-0.16%	8.57%	4.74%	10.84%
EBITDA Growth	10.84%	-1.45%	-25.10%	-23.58%	-16.69%	-16.91%	19.49%	44.43%	18.44%	38.35%
EBIT Growth	9.37%	-2.74%	-28.20%	-29.74%	-13.25%	-13.53%	24.06%	52.47%	19.86%	39.43%
NOPAT Growth	13.31%	0.34%	-26.04%	-30.46%	-13.44%	-19.81%	22.99%	44.94%	23.84%	43.14%
Net Income Growth	13.31%	0.34%	-26.04%	-30.46%	-13.44%	-19.81%	22.99%	44.94%	23.84%	43.14%
EPS Growth	14.53%	0.85%	-25.64%	-30.00%	-13.43%	-19.49%	24.14%	45.05%	24.14%	42.11%
Operating Cash Flow Growth	311.05%	-100.12%	-63.46%	-73.84%	-62.20%	67,470.57%	-85.89%	-204.97%	-22.54%	-38.70%
Free Cash Flow Firm Growth	-313.79%	-133.57%	-1,226.85%	-775.75%	-49.64%	193.75%	174.52%	131.51%	198.78%	-101.22%
Invested Capital Growth	14.93%	35.51%	62.38%	36.49%	17.97%	-21.82%	-26.57%	-6.19%	-11.24%	2.68%
Revenue Q/Q Growth	1.13%	-2.09%	-1.76%	3.43%	-2.15%	-3.17%	1.87%	12.48%	-5.61%	2.47%
EBITDA Q/Q Growth	11.27%	-15.95%	-21.58%	4.19%	21.29%	-16.16%	12.78%	25.93%	-0.53%	-2.07%
EBIT Q/Q Growth	2.53%	-13.66%	-24.86%	5.62%	26.58%	-13.94%	7.82%	29.81%	-0.49%	0.11%
NOPAT Q/Q Growth	2.76%	-11.17%	-26.51%	3.66%	27.91%	-17.70%	12.71%	22.17%	9.28%	-4.87%
Net Income Q/Q Growth	2.76%	-11.17%	-26.51%	3.66%	27.91%	-17.70%	12.71%	22.17%	9.28%	-4.87%
EPS Q/Q Growth	3.08%	-11.94%	-26.27%	4.60%	27.47%	-18.10%	13.68%	22.22%	9.09%	-6.25%
Operating Cash Flow Q/Q Growth	-1.28%	-100.09%	41,777.53%	-29.79%	42.66%	61.40%	-91.27%	-622.40%	205.26%	27.73%
Free Cash Flow Firm Q/Q Growth	-194.12%	-202.40%	-68.76%	41.65%	49.74%	289.46%	34.14%	-75.33%	57.54%	-102.33%
Invested Capital Q/Q Growth	9.52%	30.93%	11.19%	-14.39%	-5.34%	-13.23%	4.43%	9.36%	-10.44%	0.38%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	50.31%	43.19%	34.48%	34.73%	43.05%	37.27%	41.26%	46.20%	48.68%	46.52%
EBIT Margin	43.50%	38.36%	29.34%	29.97%	38.77%	34.45%	36.46%	42.08%	44.36%	43.34%
Profit (Net Income) Margin	33.26%	30.17%	22.57%	22.62%	29.57%	25.13%	27.80%	30.20%	34.96%	32.46%
Tax Burden Percent	76.44%	78.65%	76.92%	75.49%	76.28%	72.95%	76.26%	71.77%	78.81%	74.89%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	23.56%	21.35%	23.08%	24.51%	23.72%	27.05%	23.74%	28.23%	21.19%	25.11%
Return on Invested Capital (ROIC)	9.50%	7.25%	5.28%	5.78%	7.43%	5.85%	5.97%	6.93%	8.81%	9.00%
ROIC Less NNEP Spread (ROIC-NNEP)	9.50%	7.25%	5.28%	5.78%	7.43%	5.85%	5.97%	6.93%	8.81%	9.00%
Return on Net Nonoperating Assets (RNNOA)	2.22%	3.38%	2.60%	2.02%	2.52%	2.33%	2.92%	2.78%	2.28%	1.33%
Return on Equity (ROE)	11.73%	10.63%	7.89%	7.79%	9.95%	8.18%	8.89%	9.71%	11.08%	10.33%
Cash Return on Invested Capital (CROIC)	-4.57%	-22.49%	-40.59%	-23.92%	-9.90%	30.30%	36.28%	12.88%	19.38%	6.06%
Operating Return on Assets (OROA)	1.99%	1.70%	1.29%	1.33%	1.70%	1.48%	1.52%	1.77%	1.90%	1.92%
Return on Assets (ROA)	1.52%	1.34%	0.99%	1.00%	1.30%	1.08%	1.16%	1.27%	1.50%	1.44%
Return on Common Equity (ROCE)	11.73%	10.63%	7.89%	7.79%	9.95%	8.18%	8.89%	9.71%	11.08%	10.33%
Return on Equity Simple (ROE_SIMPLE)	11.10%	0.00%	10.00%	9.07%	8.53%	0.00%	8.12%	8.72%	8.97%	0.00%
Net Operating Profit after Tax (NOPAT)	93	82	60	63	80	66	74	91	99	94
NOPAT Margin	33.26%	30.17%	22.57%	22.62%	29.57%	25.13%	27.80%	30.20%	34.96%	32.46%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	38.54%	38.15%	41.26%	39.70%	40.73%	40.38%	42.29%	39.76%	42.19%	40.06%
Operating Expenses to Revenue	50.15%	49.57%	52.08%	53.60%	52.21%	56.80%	55.64%	51.68%	53.49%	52.26%
Earnings before Interest and Taxes (EBIT)	121	105	79	83	105	90	97	127	126	126
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	140	118	92	96	117	98	110	139	138	135
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.96	1.00	0.76	0.71	0.78	1.06	0.95	0.97	1.17	1.15
Price to Tangible Book Value (P/TBV)	1.52	1.53	1.16	1.07	1.17	1.56	1.39	1.40	1.66	1.62
Price to Revenue (P/Rev)	2.83	2.93	2.27	2.13	2.40	3.36	3.07	3.14	3.86	3.78
Price to Earnings (P/E)	8.69	9.18	7.62	7.82	9.16	13.45	11.70	11.12	13.01	12.05
Dividend Yield	1.38%	1.31%	1.68%	1.79%	1.59%	1.14%	1.25%	1.20%	0.96%	1.04%
Earnings Yield	11.51%	10.89%	13.12%	12.79%	10.91%	7.43%	8.55%	8.99%	7.69%	8.30%
Enterprise Value to Invested Capital (EV/IC)	0.64	0.78	0.52	0.54	0.51	0.76	0.67	0.68	0.82	0.84
Enterprise Value to Revenue (EV/Rev)	2.38	3.75	2.73	2.44	2.21	2.87	2.66	2.88	3.07	3.09
Enterprise Value to EBITDA (EV/EBITDA)	4.98	8.03	6.28	6.00	5.70	7.68	6.80	6.85	7.04	6.75
Enterprise Value to EBIT (EV/EBIT)	5.55	8.98	7.08	6.91	6.49	8.66	7.61	7.57	7.76	7.41
Enterprise Value to NOPAT (EV/NOPAT)	7.31	11.74	9.19	8.99	8.44	11.49	10.11	10.21	10.34	9.83
Enterprise Value to Operating Cash Flow (EV/OCF)	1.90	3.83	3.59	4.67	6.77	5.44	6.28	11.92	14.43	22.86
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	0.00	2.20	1.57	5.14	3.98	14.12
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.27	0.63	0.78	0.51	0.40	0.19	0.22	0.30	0.13	0.11
Long-Term Debt to Equity	0.27	0.63	0.78	0.51	0.40	0.19	0.22	0.30	0.13	0.11
Financial Leverage	0.23	0.47	0.49	0.35	0.34	0.40	0.49	0.40	0.26	0.15
Leverage Ratio	7.70	7.94	7.93	7.78	7.66	7.59	7.68	7.64	7.41	7.17
Compound Leverage Factor	7.70	7.94	7.93	7.78	7.66	7.59	7.68	7.64	7.41	7.17
Debt to Total Capital	21.48%	38.53%	43.75%	33.66%	28.58%	15.74%	17.95%	23.21%	11.50%	10.16%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	21.48%	38.53%	43.75%	33.66%	28.58%	15.74%	17.95%	23.21%	11.50%	10.16%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	78.52%	61.47%	56.25%	66.34%	71.42%	84.26%	82.05%	76.79%	88.50%	89.84%
Debt to EBITDA	1.68	3.95	5.32	3.74	3.17	1.59	1.81	2.32	0.99	0.81
Net Debt to EBITDA	-0.94	1.75	1.07	0.78	-0.49	-1.31	-1.07	-0.61	-1.82	-1.52
Long-Term Debt to EBITDA	1.68	3.95	5.32	3.74	3.17	1.59	1.81	2.32	0.99	0.81
Debt to NOPAT	2.46	5.78	7.78	5.59	4.69	2.38	2.69	3.46	1.45	1.18
Net Debt to NOPAT	-1.38	2.56	1.57	1.17	-0.72	-1.96	-1.59	-0.91	-2.67	-2.22
Long-Term Debt to NOPAT	2.46	5.78	7.78	5.59	4.69	2.38	2.69	3.46	1.45	1.18
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-424	-1,281	-2,161	-1,261	-634	1,201	1,611	397	626	-15
Operating Cash Flow to CapEx	11,201.32%	-13.98%	4,042.39%	2,008.32%	3,493.22%	10,817.63%	576.48%	-2,990.20%	4,255.39%	2,995.25%
Free Cash Flow to Firm to Interest Expense	-19.86	-25.87	-25.71	-11.22	-5.16	9.52	12.58	2.93	4.44	-0.12
Operating Cash Flow to Interest Expense	16.37	-0.01	1.57	0.82	1.07	1.69	0.15	-0.72	0.72	1.05
Operating Cash Flow Less CapEx to Interest Expense	16.22	-0.05	1.53	0.78	1.04	1.67	0.12	-0.74	0.71	1.01
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.05	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04
Fixed Asset Turnover	4.73	4.87	4.94	4.95	4.94	4.94	4.97	5.10	5.20	5.36
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	3,973	5,201	5,783	4,951	4,686	4,067	4,247	4,644	4,160	4,176
Invested Capital Turnover	0.29	0.24	0.23	0.26	0.25	0.23	0.21	0.23	0.25	0.28
Increase / (Decrease) in Invested Capital	516	1,363	2,222	1,324	714	-1,135	-1,536	-307	-527	109
Enterprise Value (EV)	2,530	4,067	2,989	2,676	2,409	3,092	2,862	3,176	3,414	3,525
Market Capitalization	3,008	3,181	2,480	2,329	2,615	3,620	3,311	3,460	4,295	4,322
Book Value per Share	$44.97	$46.10	$46.89	$47.35	$48.41	$49.63	$50.48	$51.61	$53.30	$54.32
Tangible Book Value per Share	$28.62	$29.93	$30.79	$31.31	$32.38	$33.64	$34.56	$35.77	$37.51	$38.59
Total Capital	3,973	5,201	5,783	4,951	4,686	4,067	4,247	4,644	4,160	4,176
Total Debt	853	2,004	2,530	1,666	1,339	640	762	1,078	478	424
Total Long-Term Debt	853	2,004	2,530	1,666	1,339	640	762	1,078	478	424
Net Debt	-478	886	509	347	-206	-527	-449	-284	-881	-796
Capital Expenditures (CapEx)	3.12	2.26	3.26	4.60	3.78	1.97	3.22	3.25	2.40	4.36
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	853	2,004	2,530	1,666	1,339	640	762	1,078	478	424
Total Depreciation and Amortization (D&A)	19	13	14	13	12	7.40	13	12	12	9.26
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.34	$1.19	$0.87	$0.91	$1.16	$0.96	$1.08	$1.32	$1.44	$1.37
Adjusted Weighted Average Basic Shares Outstanding	69.13M	69.19M	69.17M	68.99M	68.88M	68.98M	68.81M	68.82M	68.80M	68.81M
Adjusted Diluted Earnings per Share	$1.34	$1.18	$0.87	$0.91	$1.16	$0.95	$1.08	$1.32	$1.44	$1.35
Adjusted Weighted Average Diluted Shares Outstanding	69.33M	69.42M	69.32M	69.04M	68.99M	69.10M	69.01M	69.01M	69.07M	69.06M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	69.35M	69.39M	69.37M	69.14M	69.05M	69.03M	69.11M	69.07M	69.07M	69.07M
Normalized Net Operating Profit after Tax (NOPAT)	93	82	60	63	80	66	74	91	99	94
Normalized NOPAT Margin	33.26%	30.24%	22.57%	22.62%	29.57%	25.13%	27.80%	30.20%	34.96%	32.46%
Pre Tax Income Margin	43.50%	38.36%	29.34%	29.97%	38.77%	34.45%	36.46%	42.08%	44.36%	43.34%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	5.68	2.11	0.93	0.74	0.86	0.72	0.76	0.93	0.89	1.01
NOPAT to Interest Expense	4.34	1.66	0.72	0.56	0.65	0.52	0.58	0.67	0.70	0.76
EBIT Less CapEx to Interest Expense	5.53	2.07	0.90	0.70	0.82	0.70	0.74	0.91	0.88	0.98
NOPAT Less CapEx to Interest Expense	4.19	1.62	0.68	0.52	0.62	0.51	0.56	0.65	0.69	0.72
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	12.03%	12.01%	12.84%	14.01%	14.61%	15.48%	14.68%	13.34%	12.56%	11.56%
Augmented Payout Ratio	18.89%	18.48%	17.22%	19.78%	20.59%	23.04%	20.40%	16.92%	15.93%	13.78%

Key Financial Trends

Ameris Bancorp (NASDAQ: ABCB) has shown a steady growth trajectory over the last four years, with key financial metrics reflecting both operational efficiency and cautious risk management.

Revenue and Profitability Trends:

Net interest income increased from approximately $212.98 million in Q3 2022 to about $221.82 million in Q4 2024, demonstrating solid core profitability in lending activities.
Total revenue grew from $278.3 million in Q3 2023 to $290.8 million in Q4 2024, supported by non-interest income and net interest income growth.
Net income attributable to common shareholders rose substantially to $94.4 million in Q4 2024 from $80.1 million in Q3 2023, with basic earnings per share advancing from $1.16 to $1.37, indicating effective expense control and revenue efficiency.

Expense and Credit Loss Trends:

Provision for credit losses in Q4 2024 was $12.8 million, down from $24.5 million in Q3 2023, reflecting improved asset quality or more conservative lending standards.
Salaries and employee benefits expense remained stable around $87-$88 million quarterly in 2024, indicating consistent investment in human capital.
Other operating expenses and marketing expenses showed minor fluctuations but stayed relatively elevated, potentially pressuring operating margins if revenue growth slows.

Balance Sheet Highlights:

Total assets increased modestly to approximately $26.4 billion (end Q3 2024), supported by growth in loans and leases net of allowance at nearly $20.6 billion, indicating stable lending growth.
Allowance for loan and lease losses slightly increased to $334.5 million at Q3 2024, balancing loan growth and credit risk.
Long-term debt increased to about $478 million by Q3 2024, signaling higher leverage compared to prior years, which can raise interest expenses and financial risk.
Total shareholders' equity expanded to roughly $3.68 billion, reinforcing a solid capital base and shareholder value proposition.

Cash Flow Analysis:

Consistent positive net cash from operating activities, with $130.5 million in Q4 2024 and generally strong cash flow throughout 2023-2024, indicates healthy cash generation from core business operations.
Cash used in investing activities was significant, notably in Q2 2023 and Q4 2022, reflecting sizeable purchases of investment securities, which may impact liquidity if prolonged.
Financing activities showed negative net cash flows in recent quarters, mainly from debt repayments exceeding issuances and continued dividend payments, indicating capital return to shareholders but raising financing risk if not balanced with operating cash flow.

Overall Assessment:

Ameris Bancorp demonstrates growing profitability with controlled credit risk, supported by a stable balance sheet and solid equity growth. However, the firm’s rising leverage and significant cash outflows in investing and financing pose potential risks. Investors should watch for sustaining revenue growth alongside expense management and capital structure optimization.

08/02/25 09:52 AMAI Generated. May Contain Errors.

Frequently Asked Questions About Ameris Bancorp's Financials

When does Ameris Bancorp's fiscal year end?

According to the most recent income statement we have on file, Ameris Bancorp's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Ameris Bancorp's net income changed over the last 9 years?

Ameris Bancorp's net income appears to be on an upward trend, with a most recent value of $358.69 million in 2024, rising from $40.85 million in 2015. The previous period was $269.11 million in 2023. View Ameris Bancorp's forecast to see where analysts expect Ameris Bancorp to go next.

How has Ameris Bancorp's revenue changed over the last 9 years?

Over the last 9 years, Ameris Bancorp's total revenue changed from $261.12 million in 2015 to $1.14 billion in 2024, a change of 337.5%.

How much debt does Ameris Bancorp have?

Ameris Bancorp's total liabilities were at $22.51 billion at the end of 2024, a 3.4% increase from 2023, and a 343.6% increase since 2015.

How much cash does Ameris Bancorp have?

In the past 9 years, Ameris Bancorp's cash and equivalents has ranged from $118.52 million in 2015 to $307.81 million in 2021, and is currently $244.98 million as of their latest financial filing in 2024.

How has Ameris Bancorp's book value per share changed over the last 9 years?

Over the last 9 years, Ameris Bancorp's book value per share changed from 15.99 in 2015 to 54.32 in 2024, a change of 239.7%.

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This page (NASDAQ:ABCB) was last updated on 8/2/2025 by MarketBeat.com Staff

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Ameris Bancorp (ABCB) Financials

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