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Ameris Bancorp (ABCB) Financials

Ameris Bancorp logo
$85.50 +0.81 (+0.96%)
As of 02:09 PM Eastern
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Annual Income Statements for Ameris Bancorp

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 2025
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 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 41 72 74 121 161 262 377 347 269 359 412
Consolidated Net Income / (Loss)		 41 72 74 121 161 262 377 347 269 359 412
Net Income / (Loss) Continuing Operations		 41 72 74 121 161 261 377 347 269 359 412
Total Pre-Tax Income 		57 105 124 151 212 340 496 453 357 476 534
Total Revenue		 261 325 365 462 703 1,077 1,021 1,085 1,078 1,142 1,208
Net Interest Income / (Expense)		 176 219 260 343 505 638 655 801 835 849 937
Total Interest Income		 190 239 294 413 636 727 703 894 1,280 1,378 1,395
Loans and Leases Interest Income		 172 219 271 378 587 691 676 835 1,172 1,266 1,265
Investment Securities Interest Income		 18 20 22 30 41 34 23 36 60 63 89
Deposits and Money Market Investments Interest Income		 0.79 0.83 1.73 4.98 8.14 1.74 3.88 23 48 50 40
Total Interest Expense		 15 20 34 70 131 89 48 93 445 529 458
Deposits Interest Expense		 9.75 12 20 49 103 59 22 56 356 485 424
Long-Term Debt Interest Expense		 5.10 7.28 14 21 29 30 25 37 89 44 33
Total Non-Interest Income		 86 106 104 118 198 447 366 284 243 293 271
Service Charges on Deposit Accounts		 - 43 42 46 51 44 45 44 47 51 55
Other Service Charges		 81 11 9.24 16 22 21 27 240 197 230 215
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 1.63
Provision for Credit Losses		 5.26 4.09 8.36 17 20 126 -35 72 143 59 70
Total Non-Interest Expense		 199 216 232 294 472 599 560 561 578 608 604
Salaries and Employee Benefits		 94 107 120 149 224 360 338 320 320 348 349
Net Occupancy & Equipment Expense		 41 49 52 60 79 98 94 101 105 108 107
Marketing Expense		 3.31 4.18 5.13 5.57 7.93 8.05 8.43 12 12 13 12
Other Operating Expenses		 31 39 47 45 66 125 101 107 123 122 120
Amortization Expense		 3.74 4.38 3.93 9.51 18 20 15 20 18 17 16
Income Tax Expense		 16 33 51 30 50 78 119 107 88 117 122
Basic Earnings per Share		 $1.29 $2.10 $2.00 $2.81 $2.76 $3.78 $5.43 $5.01 $3.90 $5.21 $6.02
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 68.45M
Diluted Earnings per Share		 $1.27 $2.08 $1.98 $2.80 $2.75 $3.77 $5.40 $4.99 $3.89 $5.19 $6.00
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 68.71M
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 67.88M
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 $0.80

Quarterly Income Statements for Ameris Bancorp

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 80 66 74 91 99 94 88 110 106 108 110
Consolidated Net Income / (Loss)		 80 66 74 91 99 94 88 110 106 108 110
Net Income / (Loss) Continuing Operations		 80 66 74 91 99 94 88 110 106 108 110
Total Pre-Tax Income 		105 90 97 127 126 126 113 143 137 141 141
Total Revenue		 271 262 267 301 284 291 286 301 314 307 314
Net Interest Income / (Expense)		 208 206 201 212 214 222 222 232 238 245 244
Total Interest Income		 331 332 329 347 355 346 334 348 355 358 352
Loans and Leases Interest Income		 305 303 303 318 326 319 304 316 321 324 318
Investment Securities Interest Income		 15 14 13 17 16 16 19 21 24 25 26
Deposits and Money Market Investments Interest Income		 - - - - - - 11 - - - 8.04
Total Interest Expense		 123 126 128 135 141 125 112 116 117 113 107
Deposits Interest Expense		 103 112 118 121 130 116 105 107 107 105 96
Long-Term Debt Interest Expense		 20 14 9.89 14 11 8.99 6.72 9.03 10 7.44 11
Total Non-Interest Income		 63 56 66 89 70 69 64 69 76 62 70
Service Charges on Deposit Accounts		 12 12 12 13 13 14 13 13 14 14 14
Other Service Charges		 15 153 54 64 57 179 51 55 61 48 56
Net Realized & Unrealized Capital Gains on Investments		 -0.02 -0.29 -0.01 12 -0.01 -0.02 0.04 0.00 1.58 0.01 0.00
Provision for Credit Losses		 24 23 21 19 6.11 13 22 2.77 23 23 17
Total Non-Interest Expense		 141 149 149 155 152 152 151 155 155 143 157
Salaries and Employee Benefits		 82 76 83 88 89 88 87 89 91 82 91
Net Occupancy & Equipment Expense		 26 27 28 28 27 26 26 27 28 28 28
Marketing Expense		 2.72 2.76 2.47 3.46 3.96 2.41 2.88 3.75 3.38 1.98 3.30
Other Operating Expenses		 27 39 31 32 28 31 32 31 29 28 31
Amortization Expense		 4.43 4.43 4.42 4.41 4.18 4.18 4.10 4.08 3.88 3.88 3.39
Income Tax Expense		 25 24 23 36 27 32 25 33 31 33 30
Basic Earnings per Share		 $1.16 $0.96 $1.08 $1.32 $1.44 $1.37 $1.28 $1.60 $1.55 $1.59 $1.64
Weighted Average Basic Shares Outstanding		 68.88M 68.98M 68.81M 68.82M 68.80M 68.81M 68.79M 68.59M 68.40M 68.45M 67.54M
Diluted Earnings per Share		 $1.16 $0.95 $1.08 $1.32 $1.44 $1.35 $1.27 $1.60 $1.54 $1.59 $1.63
Weighted Average Diluted Shares Outstanding		 68.99M 69.10M 69.01M 69.01M 69.07M 69.06M 69.03M 68.80M 68.67M 68.71M 67.77M
Weighted Average Basic & Diluted Shares Outstanding		 69.05M 69.03M 69.11M 69.07M 69.07M 69.07M 68.91M 68.59M 68.32M 67.88M 67.29M
Cash Dividends to Common per Share		 $0.15 $0.15 $0.15 $0.15 $0.15 $0.20 $0.20 $0.20 $0.20 - $0.20

Annual Cash Flow Statements for Ameris Bancorp

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 2025
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 12/31/2025
Net Change in Cash & Equivalents		 220 -192 132 349 -58 1,495 1,947 -2,947 49 53 -131
Net Cash From Operating Activities		 -25 -70 -63 -109 -940 798 9.14 1,062 569 154 390
Net Cash From Continuing Operating Activities		 -25 -70 -63 -109 -940 798 9.14 1,062 569 154 390
Net Income / (Loss) Continuing Operations		 41 72 74 121 161 262 377 347 269 359 412
Consolidated Net Income / (Loss)		 41 72 74 121 161 262 377 347 269 359 412
Provision For Loan Losses		 5.26 4.09 8.36 17 20 145 -35 72 143 59 70
Depreciation Expense		 8.06 9.52 9.20 10 13 16 17 41 35 37 30
Amortization Expense		 18 30 18 21 38 48 36 13 11 9.93 8.78
Non-Cash Adjustments to Reconcile Net Income		 -101 -177 -169 -273 -1,160 369 -410 599 92 -328 -101
Changes in Operating Assets and Liabilities, net		 4.46 -8.89 -2.44 -4.52 -13 -42 25 -8.73 20 18 -29
Net Cash From Investing Activities		 -168 -803 -667 -53 -487 -1,201 -421 -4,875 -338 -847 -1,303
Net Cash From Continuing Investing Activities		 -168 -803 -667 -53 -487 -1,201 -421 -4,875 -338 -847 -1,303
Purchase of Property, Leasehold Improvements and Equipment		 -13 -11 -3.76 -10 -12 -18 -25 -14 -18 -13 -21
Purchase of Investment Securities		 -876 -353 -113 -257 -323 0.00 -376 -5,175 -525 -1,423 -1,916
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 0.17
Sale and/or Maturity of Investments		 235 376 257 234 471 573 545 314 200 590 633
Net Cash From Financing Activities		 413 680 862 511 1,370 1,898 2,359 866 -182 746 781
Net Cash From Continuing Financing Activities		 413 680 862 511 1,370 1,898 2,359 866 -182 746 781
Net Change in Deposits		 354 295 1,051 853 334 2,933 2,708 -203 1,246 1,014 654
Issuance of Debt		 0.00 636 1,838 1,530 5,237 7,203 0.00 3,950 15,842 6,308 8,163
Repayment of Debt		 -40 -231 -2,080 -1,844 -4,141 -8,182 -296 -2,815 -17,208 -6,527 -7,897
Repurchase of Common Equity		 -0.73 -1.23 -0.89 -2.06 -18 -8.00 -9.44 -22 -20 -7.95 -83
Payment of Dividends		 -6.44 -8.58 -15 -16 -25 -42 -42 -42 -42 -41 -55
Other Financing Activities, Net		 -8.53 -9.12 -20 -9.34 -17 -6.73 -1.26 -3.05 0.48 0.00 0.00
Cash Interest Paid		 15 19 32 68 125 95 49 87 418 540 462

Quarterly Cash Flow Statements for Ameris Bancorp

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 227 -378 44 151 -3.04 -139 72 -122 -127 46 240
Net Cash From Operating Activities		 132 213 19 -97 102 131 117 61 105 107 257
Net Cash From Continuing Operating Activities		 132 213 19 -97 102 131 117 61 105 107 257
Net Income / (Loss) Continuing Operations		 80 66 74 91 99 94 88 110 106 108 110
Consolidated Net Income / (Loss)		 80 66 74 91 99 94 88 110 106 108 110
Provision For Loan Losses		 24 23 21 19 6.11 13 22 2.77 23 23 17
Depreciation Expense		 4.85 20 9.44 4.80 4.70 22 8.36 8.12 6.87 6.31 6.00
Amortization Expense		 6.76 -13 2.61 7.58 7.55 -13 2.28 2.33 2.17 2.01 2.24
Non-Cash Adjustments to Reconcile Net Income		 16 97 -89 -219 -15 -3.87 -3.61 -62 -33 -3.17 122
Net Cash From Investing Activities		 285 4.12 -370 -500 70 -46 -185 -277 -466 -375 -510
Net Cash From Continuing Investing Activities		 285 4.12 -370 -500 70 -46 -185 -277 -466 -375 -510
Purchase of Property, Leasehold Improvements and Equipment		 -3.80 -5.85 -3.44 -3.28 -2.41 -4.36 -2.69 -7.65 -4.40 -5.80 -7.74
Purchase of Investment Securities		 -1.08 -477 -411 -190 -295 -884 -267 -537 -601 -493 -196
Sale of Property, Leasehold Improvements and Equipment		 0.02 3.88 0.21 0.03 0.01 - 0.15 - 0.02 - 0.00
Sale and/or Maturity of Investments		 37 83 44 102 428 26 85 268 140 124 -306
Net Cash From Financing Activities		 -191 -595 395 748 -175 -223 140 94 234 313 493
Net Cash From Continuing Financing Activities		 -191 -595 395 748 -175 -223 140 94 234 313 493
Net Change in Deposits		 147 118 289 447 435 -157 190 20 295 148 261
Issuance of Debt		 3,212 2,005 983 2,370 1,090 1,865 1,040 1,575 2,530 3,018 3,390
Repayment of Debt		 -3,539 -2,705 -861 -2,055 -1,690 -1,921 -1,055 -1,475 -2,569 -2,798 -3,060
Repurchase of Common Equity		 -0.03 -3.27 -4.89 -2.96 - -0.10 -21 -13 -8.48 -41 -84
Payment of Dividends		 -10 -10 -10 -10 -10 -10 -14 -14 -14 -14 -14
Cash Interest Paid		 109 127 130 138 140 132 112 116 118 115 108
Cash Income Taxes Paid		 26 13 0.40 56 42 4.94 0.21 98 22 - 0.45

Annual Balance Sheets for Ameris Bancorp

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 2025
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 12/31/2025
Total Assets		 5,589 6,892 7,856 11,444 18,243 20,439 23,858 25,053 25,204 26,262 27,516
Cash and Due from Banks		 119 127 139 172 246 203 308 285 230 245 254
Interest Bearing Deposits at Other Banks		 267 71 191 472 351 1,894 3,737 834 937 975 835
Trading Account Securities		 783 823 811 1,192 1,403 983 672 1,635 1,544 1,836 2,410
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 21,165
Loans and Leases		 3,909 5,264 6,046 8,512 - 14,481 15,874 19,855 20,269 20,740 21,514
Allowance for Loan and Lease Losses		 21 24 26 29 38 199 168 206 307 338 348
Loans Held for Sale		 111 106 197 111 1,657 1,168 1,255 392 281 529 623
Premises and Equipment, Net		 122 121 118 145 233 223 225 220 216 209 213
Goodwill		 90 126 126 503 932 928 1,013 1,016 1,016 1,016 1,016
Intangible Assets		 17 17 13 59 92 72 126 106 88 71 55
Other Assets		 187 260 240 259 13,323 654 16,503 916 928 979 944
Total Liabilities & Shareholders' Equity		 5,589 6,892 7,856 11,444 18,243 20,439 23,858 25,053 25,204 26,262 27,516
Total Liabilities		 5,074 6,246 7,052 9,987 15,773 17,792 20,892 21,856 21,777 22,511 23,440
Non-Interest Bearing Deposits		 1,330 1,573 1,777 2,520 4,199 6,151 7,775 7,930 6,492 6,498 6,426
Interest Bearing Deposits		 3,549 4,002 4,849 7,129 9,828 10,807 11,891 11,533 14,217 15,224 15,950
Long-Term Debt		 109 577 336 89 1,526 550 866 2,004 640 424 692
Other Long-Term Liabilities		 22 40 59 77 199 273 354 389 429 364 372
Commitments & Contingencies		 0.00 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 4,076
Total Preferred & Common Equity		 515 646 804 1,456 2,470 2,647 2,966 3,197 3,427 3,752 4,076
Preferred Stock		 0.00 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 4,076
Common Stock		 371 447 547 1,101 1,979 1,985 1,997 2,007 2,018 2,031 2,044
Retained Earnings		 153 214 273 377 508 672 1,006 1,311 1,540 1,853 2,210
Treasury Stock		 -12 -14 -14 -17 -35 -43 -52 -75 -95 -103 -187
Accumulated Other Comprehensive Income / (Loss)		 3.35 -1.06 -1.28 -4.83 18 34 16 -47 -36 -30 8.31

Quarterly Balance Sheets for Ameris Bancorp

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 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 23,814 26,088 25,801 25,698 25,655 26,521 26,400 26,515 26,680 27,100 28,110
Cash and Due from Banks		 269 266 285 241 236 257 232 253 250 217 235
Interest Bearing Deposits at Other Banks		 - - - - 975 1,105 1,128 1,039 921 826 1,094
Trading Account Securities		 1,385 1,631 1,603 1,566 1,561 1,680 1,603 2,117 2,048 2,334 2,556
Loans and Leases, Net of Allowance		 18,622 19,755 20,200 19,911 20,280 20,656 20,631 20,361 20,700 20,913 21,473
Loans and Leases		 18,807 19,998 20,472 20,201 20,600 20,993 20,965 20,707 21,041 21,258 21,828
Allowance for Loan and Lease Losses		 185 243 272 290 320 336 334 346 342 345 355
Loans Held for Sale		 298 395 391 381 364 570 553 545 544 604 497
Premises and Equipment, Net		 223 219 219 218 215 213 211 208 211 212 216
Goodwill		 1,023 1,016 1,016 1,016 1,016 1,016 1,016 1,016 1,016 1,016 1,016
Intangible Assets		 111 101 97 92 84 79 75 67 63 59 51
Other Assets		 821 950 956 968 924 944 952 909 928 919 971
Total Liabilities & Shareholders' Equity		 23,814 26,088 25,801 25,698 25,655 26,521 26,400 26,515 26,680 27,100 28,110
Total Liabilities		 20,695 22,835 22,516 22,351 22,171 22,954 22,718 22,691 22,762 23,083 24,028
Non-Interest Bearing Deposits		 8,343 7,298 6,707 6,590 6,538 6,649 6,670 6,745 6,801 6,757 6,749
Interest Bearing Deposits		 11,124 12,600 13,736 14,001 14,459 14,795 15,209 15,168 15,132 15,471 15,888
Long-Term Debt		 853 2,530 1,666 1,339 762 1,078 478 410 510 471 1,023
Other Long-Term Liabilities		 374 408 407 421 411 432 361 369 320 384 368
Commitments & Contingencies		 0.00 0.00 0.00 0.00 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 3,824 3,918 4,017 4,082
Total Preferred & Common Equity		 3,119 3,253 3,285 3,347 3,485 3,567 3,681 3,824 3,918 4,017 4,082
Preferred Stock		 0.00 0.00 0.00 0.00 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 3,824 3,918 4,017 4,082
Common Stock		 2,005 2,010 2,012 2,015 2,021 2,024 2,027 2,035 2,038 2,041 2,047
Retained Earnings		 1,239 1,363 1,415 1,484 1,604 1,684 1,773 1,927 2,023 2,116 2,307
Treasury Stock		 -75 -84 -92 -92 -100 -103 -103 -124 -137 -145 -271
Accumulated Other Comprehensive Income / (Loss)		 -51 -36 -51 -61 -40 -38 -16 -14 -6.89 5.17 -1.48

Annual Metrics And Ratios for Ameris Bancorp

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 2025
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 12/31/2025
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
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 $6.02
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 68.45M
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 $6.00
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 68.71M
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 $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 67.88M
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

Quarterly Metrics And Ratios for Ameris Bancorp

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

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - - - - - 67,880,297.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 67,880,297.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 1.63
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -2.65% -3.72% -0.16% 8.57% 4.74% 10.84% 6.96% 0.03% 10.74% - 9.97%
EBITDA Growth		 -16.69% -16.91% 19.49% 44.43% 18.44% 38.35% 12.86% 11.01% 6.12% - 20.56%
EBIT Growth		 -13.25% -13.53% 24.06% 52.47% 19.86% 39.43% 15.89% 12.80% 8.86% - 24.61%
NOPAT Growth		 -13.44% -19.81% 22.99% 44.94% 23.84% 43.14% 18.33% 20.98% 6.87% - 25.65%
Net Income Growth		 -13.44% -19.81% 22.99% 44.94% 23.84% 43.14% 18.33% 20.98% 6.87% - 25.65%
EPS Growth		 -13.43% -19.49% 24.14% 45.05% 24.14% 42.11% 17.59% 21.21% 6.94% - 28.35%
Operating Cash Flow Growth		 -62.20% 67,470.57% -85.89% -204.97% -22.54% -38.70% 528.91% 163.23% 2.69% - 120.06%
Free Cash Flow Firm Growth		 -49.64% 193.75% 174.52% 131.51% 198.78% -101.22% -93.70% -17.84% -135.45% - -849.71%
Invested Capital Growth		 17.97% -21.82% -26.57% -6.19% -11.24% 2.68% -0.32% -4.66% 7.88% - 20.59%
Revenue Q/Q Growth		 -2.15% -3.17% 1.87% 12.48% -5.61% 2.47% -1.69% 5.20% 4.49% - 2.35%
EBITDA Q/Q Growth		 21.29% -16.16% 12.78% 25.93% -0.53% -2.07% -10.12% 23.93% -4.61% - -0.29%
EBIT Q/Q Growth		 26.58% -13.94% 7.82% 29.81% -0.49% 0.11% -10.38% 26.35% -3.96% - -0.26%
NOPAT Q/Q Growth		 27.91% -17.70% 12.71% 22.17% 9.28% -4.87% -6.82% 24.90% -3.46% - 1.97%
Net Income Q/Q Growth		 27.91% -17.70% 12.71% 22.17% 9.28% -4.87% -6.82% 24.90% -3.46% - 1.97%
EPS Q/Q Growth		 27.47% -18.10% 13.68% 22.22% 9.09% -6.25% -5.93% 25.98% -3.75% - 2.52%
Operating Cash Flow Q/Q Growth		 42.66% 61.40% -91.27% -622.40% 205.26% 27.73% -10.46% -47.48% 70.96% - 140.24%
Free Cash Flow Firm Q/Q Growth		 49.74% 289.46% 34.14% -75.33% 57.54% -102.33% 795.54% 221.62% -167.98% - -57.12%
Invested Capital Q/Q Growth		 -5.34% -13.23% 4.43% 9.36% -10.44% 0.38% 1.38% 4.59% 1.35% - 7.06%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 43.05% 37.27% 41.26% 46.20% 48.68% 46.52% 43.23% 50.92% 46.49% - 47.39%
EBIT Margin		 38.77% 34.45% 36.46% 42.08% 44.36% 43.34% 39.51% 47.45% 43.61% - 44.77%
Profit (Net Income) Margin		 29.57% 25.13% 27.80% 30.20% 34.96% 32.46% 30.76% 36.52% 33.74% - 35.15%
Tax Burden Percent		 76.28% 72.95% 76.26% 71.77% 78.81% 74.89% 77.86% 76.97% 77.37% - 78.52%
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		 23.72% 27.05% 23.74% 28.23% 21.19% 25.11% 22.14% 23.03% 22.63% - 21.48%
Return on Invested Capital (ROIC)		 7.43% 5.85% 5.97% 6.93% 8.81% 9.00% 8.42% 9.35% 9.30% - 9.31%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.43% 5.85% 5.97% 6.93% 8.81% 9.00% 8.42% 9.35% 9.30% - 9.31%
Return on Net Nonoperating Assets (RNNOA)		 2.52% 2.33% 2.92% 2.78% 2.28% 1.33% 1.35% 1.98% 1.15% - 1.69%
Return on Equity (ROE)		 9.95% 8.18% 8.89% 9.71% 11.08% 10.33% 9.77% 11.33% 10.45% - 10.99%
Cash Return on Invested Capital (CROIC)		 -9.90% 30.30% 36.28% 12.88% 19.38% 6.06% 9.10% 13.40% 1.62% - -9.36%
Operating Return on Assets (OROA)		 1.70% 1.48% 1.52% 1.77% 1.90% 1.92% 1.76% 2.07% 1.94% - 2.03%
Return on Assets (ROA)		 1.30% 1.08% 1.16% 1.27% 1.50% 1.44% 1.37% 1.59% 1.50% - 1.59%
Return on Common Equity (ROCE)		 9.95% 8.18% 8.89% 9.71% 11.08% 10.33% 9.77% 11.33% 10.45% - 10.99%
Return on Equity Simple (ROE_SIMPLE)		 8.53% 0.00% 8.12% 8.72% 8.97% 0.00% 9.74% 9.99% 9.91% - 10.65%
Net Operating Profit after Tax (NOPAT)		 80 66 74 91 99 94 88 110 106 - 110
NOPAT Margin		 29.57% 25.13% 27.80% 30.20% 34.96% 32.46% 30.76% 36.52% 33.74% - 35.15%
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		 40.73% 40.38% 42.29% 39.76% 42.19% 40.06% 40.24% 39.84% 38.79% - 39.15%
Operating Expenses to Revenue		 52.21% 56.80% 55.64% 51.68% 53.49% 52.26% 52.83% 51.63% 49.19% - 49.97%
Earnings before Interest and Taxes (EBIT)		 105 90 97 127 126 126 113 143 137 - 141
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 117 98 110 139 138 135 124 153 146 - 149
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.78 1.06 0.95 0.97 1.17 1.15 1.03 1.14 1.25 - 1.30
Price to Tangible Book Value (P/TBV)		 1.17 1.56 1.39 1.40 1.66 1.62 1.44 1.57 1.71 - 1.76
Price to Revenue (P/Rev)		 2.40 3.36 3.07 3.14 3.86 3.78 3.41 3.83 4.22 - 4.28
Price to Earnings (P/E)		 9.16 13.45 11.70 11.12 13.01 12.05 10.62 11.36 12.63 - 12.18
Dividend Yield		 1.59% 1.14% 1.25% 1.20% 0.96% 1.04% 1.22% 1.16% 1.09% - 1.03%
Earnings Yield		 10.91% 7.43% 8.55% 8.99% 7.69% 8.30% 9.42% 8.80% 7.92% - 8.21%
Enterprise Value to Invested Capital (EV/IC)		 0.51 0.76 0.67 0.68 0.82 0.84 0.73 0.86 0.99 - 0.98
Enterprise Value to Revenue (EV/Rev)		 2.21 2.87 2.66 2.88 3.07 3.09 2.64 3.26 3.74 - 4.03
Enterprise Value to EBITDA (EV/EBITDA)		 5.70 7.68 6.80 6.85 7.04 6.75 5.72 6.86 7.95 - 8.35
Enterprise Value to EBIT (EV/EBIT)		 6.49 8.66 7.61 7.57 7.76 7.41 6.25 7.46 8.59 - 8.88
Enterprise Value to NOPAT (EV/NOPAT)		 8.44 11.49 10.11 10.21 10.34 9.83 8.25 9.67 11.19 - 11.47
Enterprise Value to Operating Cash Flow (EV/OCF)		 6.77 5.44 6.28 11.92 14.43 22.86 12.16 9.21 10.77 - 9.40
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 2.20 1.57 5.14 3.98 14.12 7.96 6.23 63.47 - 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.40 0.19 0.22 0.30 0.13 0.11 0.11 0.13 0.12 - 0.25
Long-Term Debt to Equity		 0.40 0.19 0.22 0.30 0.13 0.11 0.11 0.13 0.12 - 0.25
Financial Leverage		 0.34 0.40 0.49 0.40 0.26 0.15 0.16 0.21 0.12 - 0.18
Leverage Ratio		 7.66 7.59 7.68 7.64 7.41 7.17 7.14 7.11 6.95 - 6.91
Compound Leverage Factor		 7.66 7.59 7.68 7.64 7.41 7.17 7.14 7.11 6.95 - 6.91
Debt to Total Capital		 28.58% 15.74% 17.95% 23.21% 11.50% 10.16% 9.67% 11.52% 10.49% - 20.04%
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		 28.58% 15.74% 17.95% 23.21% 11.50% 10.16% 9.67% 11.52% 10.49% - 20.04%
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		 71.42% 84.26% 82.05% 76.79% 88.50% 89.84% 90.33% 88.48% 89.51% - 79.96%
Debt to EBITDA		 3.17 1.59 1.81 2.32 0.99 0.81 0.76 0.92 0.84 - 1.71
Net Debt to EBITDA		 -0.49 -1.31 -1.07 -0.61 -1.82 -1.52 -1.65 -1.20 -1.02 - -0.51
Long-Term Debt to EBITDA		 3.17 1.59 1.81 2.32 0.99 0.81 0.76 0.92 0.84 - 1.71
Debt to NOPAT		 4.69 2.38 2.69 3.46 1.45 1.18 1.10 1.30 1.18 - 2.35
Net Debt to NOPAT		 -0.72 -1.96 -1.59 -0.91 -2.67 -2.22 -2.37 -1.69 -1.44 - -0.71
Long-Term Debt to NOPAT		 4.69 2.38 2.69 3.46 1.45 1.18 1.10 1.30 1.18 - 2.35
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)		 -634 1,201 1,611 397 626 -15 102 326 -222 - -761
Operating Cash Flow to CapEx		 3,493.22% 10,817.63% 576.48% -2,990.20% 4,255.39% 2,995.25% 4,605.91% 802.25% 2,397.62% - 3,322.34%
Free Cash Flow to Firm to Interest Expense		 -5.16 9.52 12.58 2.93 4.44 -0.12 0.91 2.82 -1.90 - -7.09
Operating Cash Flow to Interest Expense		 1.07 1.69 0.15 -0.72 0.72 1.05 1.04 0.53 0.90 - 2.40
Operating Cash Flow Less CapEx to Interest Expense		 1.04 1.67 0.12 -0.74 0.71 1.01 1.02 0.46 0.86 - 2.32
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 - 0.05
Fixed Asset Turnover		 4.94 4.94 4.97 5.10 5.20 5.36 5.49 5.47 5.64 - 5.83
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 4,686 4,067 4,247 4,644 4,160 4,176 4,233 4,428 4,488 - 5,105
Invested Capital Turnover		 0.25 0.23 0.21 0.23 0.25 0.28 0.27 0.26 0.28 - 0.26
Increase / (Decrease) in Invested Capital		 714 -1,135 -1,536 -307 -527 109 -14 -217 328 - 872
Enterprise Value (EV)		 2,409 3,092 2,862 3,176 3,414 3,525 3,071 3,786 4,456 - 4,987
Market Capitalization		 2,615 3,620 3,311 3,460 4,295 4,322 3,953 4,447 5,028 - 5,294
Book Value per Share		 $48.41 $49.63 $50.48 $51.61 $53.30 $54.32 $55.36 $56.85 $58.56 - $60.14
Tangible Book Value per Share		 $32.38 $33.64 $34.56 $35.77 $37.51 $38.59 $39.69 $41.20 $42.90 - $44.42
Total Capital		 4,686 4,067 4,247 4,644 4,160 4,176 4,233 4,428 4,488 - 5,105
Total Debt		 1,339 640 762 1,078 478 424 410 510 471 - 1,023
Total Long-Term Debt		 1,339 640 762 1,078 478 424 410 510 471 - 1,023
Net Debt		 -206 -527 -449 -284 -881 -796 -883 -660 -572 - -307
Capital Expenditures (CapEx)		 3.78 1.97 3.22 3.25 2.40 4.36 2.54 7.65 4.38 - 7.74
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)		 1,339 640 762 1,078 478 424 410 510 471 - 1,023
Total Depreciation and Amortization (D&A)		 12 7.40 13 12 12 9.26 11 10 9.04 - 8.25
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.16 $0.96 $1.08 $1.32 $1.44 $1.37 $1.28 $1.60 $1.55 $1.59 $1.64
Adjusted Weighted Average Basic Shares Outstanding		 68.88M 68.98M 68.81M 68.82M 68.80M 68.81M 68.79M 68.59M 68.40M 68.45M 67.54M
Adjusted Diluted Earnings per Share		 $1.16 $0.95 $1.08 $1.32 $1.44 $1.35 $1.27 $1.60 $1.54 $1.59 $1.63
Adjusted Weighted Average Diluted Shares Outstanding		 68.99M 69.10M 69.01M 69.01M 69.07M 69.06M 69.03M 68.80M 68.67M 68.71M 67.77M
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 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 69.05M 69.03M 69.11M 69.07M 69.07M 69.07M 68.91M 68.59M 68.32M 67.88M 67.29M
Normalized Net Operating Profit after Tax (NOPAT)		 80 66 74 91 99 94 88 110 106 - 110
Normalized NOPAT Margin		 29.57% 25.13% 27.80% 30.20% 34.96% 32.46% 30.76% 36.52% 33.74% - 35.15%
Pre Tax Income Margin		 38.77% 34.45% 36.46% 42.08% 44.36% 43.34% 39.51% 47.45% 43.61% - 44.77%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.86 0.72 0.76 0.93 0.89 1.01 1.01 1.23 1.17 - 1.31
NOPAT to Interest Expense		 0.65 0.52 0.58 0.67 0.70 0.76 0.79 0.95 0.91 - 1.03
EBIT Less CapEx to Interest Expense		 0.82 0.70 0.74 0.91 0.88 0.98 0.99 1.17 1.13 - 1.24
NOPAT Less CapEx to Interest Expense		 0.62 0.51 0.56 0.65 0.69 0.72 0.76 0.88 0.87 - 0.96
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 14.61% 15.48% 14.68% 13.34% 12.56% 11.56% 12.12% 12.40% 13.03% - 12.69%
Augmented Payout Ratio		 20.59% 23.04% 20.40% 16.92% 15.93% 13.78% 18.51% 21.01% 23.63% - 46.21%

Financials Breakdown Chart

Key Financial Trends

Ameris Bancorp (ABCB) has shown gradual improvement in quarterly profitability and a solid funding base across the last four years of data. The latest Q4 2025 results reflect a continued uptick in net income and stable credit quality, with a durable core earnings profile driven by interest income. While investing cash outflows remain a headwind in the near term, the bank has funded growth through debt issuance and maintained a healthy equity base. Below are the 10 most important takeaways, presented from most positive to most negative.

  • Net income rising, earnings per share expanding: Q4 2025 net income (continuing operations) was 108,356,000, up from 93,976,000 in Q4 2024, with diluted EPS of 1.59 and basic EPS of 1.59.
  • Strong net interest income supports revenue: Net interest income reached 245,307,000 in Q4 2025, contributing to total revenue of 307,134,000.
  • Healthy operating cash flow: Net cash from continuing operating activities was 107,039,000 in Q4 2025, underscoring solid cash generation from core lending activities.
  • Loan growth persists: Loans and Leases, Net of Allowance stood at about 20.91 billion in Q3 2025, higher than early-2025 levels, indicating modest loan growth.
  • Credit quality remains solid: Allowance for Loan Losses around 345.3 million in Q3 2025, with LLP as a share of loans around 1.6%, signaling stable credit quality.
  • Capital position improving: Total Common Equity was about 4.02 billion in Q3 2025, up from roughly 3.92 billion in Q2 2025, supporting book value per share; note a small quarterly share repurchase in Q4 2025.
  • Funding base stays robust: Deposits of roughly 22.2 billion in Q3 2025 (Non-Interest Bearing ~6.76b; Interest Bearing ~15.47b) provide a stable liquidity foundation.
  • Debt financing activity supports liquidity: Debt issuance around 3.02 billion occurred in Q3 2025 (and again in late 2025), helping liquidity; net financing cash flow remained positive.
  • Investing activities remain a net use of cash: Net cash from continuing investing activities was negative (e.g., about -466 million in Q3 2025 and -374 million in Q4 2025), reflecting securities purchases and asset growth typical for a bank expanding balance sheet.
  • Quarterly cash balance can fluctuate: Q3 2025 saw a notable drop in cash and equivalents (~127 million net decrease), highlighting timing risk in cash flows despite a rebound in Q4 2025.
05/26/26 02:26 PM ETAI Generated. May Contain Errors.

Ameris Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Ameris Bancorp's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Ameris Bancorp's net income appears to be on an upward trend, with a most recent value of $412.15 million in 2025, rising from $40.85 million in 2015. The previous period was $358.69 million in 2024. View Ameris Bancorp's forecast to see where analysts expect Ameris Bancorp to go next.

Over the last 10 years, Ameris Bancorp's total revenue changed from $261.12 million in 2015 to $1.21 billion in 2025, a change of 362.6%.

Ameris Bancorp's total liabilities were at $23.44 billion at the end of 2025, a 4.1% increase from 2024, and a 361.9% increase since 2015.

In the past 10 years, Ameris Bancorp's cash and equivalents has ranged from $118.52 million in 2015 to $307.81 million in 2021, and is currently $253.81 million as of their latest financial filing in 2025.


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Financial statements for NASDAQ:ABCB last updated on 5/13/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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