Ameris Bancorp (ABCB) Financials

$89.79 +0.40 (+0.44%)

Closing price 08/14/2026 03:59 PM Eastern

Extended Trading

$89.78 -0.01 (-0.01%)

As of 08/14/2026 07:34 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	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

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	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Period end date	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	6/30/2026
Net Income / (Loss) Attributable to Common Shareholders	66	74	91	99	94	88	110	106	108	110	51
Consolidated Net Income / (Loss)	66	74	91	99	94	88	110	106	108	110	51
Net Income / (Loss) Continuing Operations	66	74	91	99	94	88	110	106	108	110	51
Total Pre-Tax Income	90	97	127	126	126	113	143	137	141	141	66
Total Revenue	262	267	301	284	291	286	301	314	307	314	326
Net Interest Income / (Expense)	206	201	212	214	222	222	232	238	245	244	252
Total Interest Income	332	329	347	355	346	334	348	355	358	352	366
Loans and Leases Interest Income	303	303	318	326	319	304	316	321	324	318	327
Investment Securities Interest Income	14	13	17	16	16	19	21	24	25	26	31
Deposits and Money Market Investments Interest Income	-	-	-	-	-	11	11	-	-	8.04	8.27
Total Interest Expense	126	128	135	141	125	112	116	117	113	107	113
Deposits Interest Expense	112	118	121	130	116	105	107	107	105	96	99
Long-Term Debt Interest Expense	14	9.89	14	11	8.99	6.72	9.03	10	7.44	11	14
Total Non-Interest Income	56	66	89	70	69	64	69	76	62	70	74
Service Charges on Deposit Accounts	12	12	13	13	14	13	13	14	14	14	14
Other Service Charges	153	54	64	57	179	51	55	61	48	56	52
Net Realized & Unrealized Capital Gains on Investments	-0.29	-0.01	12	-0.01	-0.02	0.04	0.00	1.58	0.01	0.00	7.39
Provision for Credit Losses	23	21	19	6.11	13	22	2.77	23	23	17	17
Total Non-Interest Expense	149	149	155	152	152	151	155	155	143	157	243
Salaries and Employee Benefits	76	83	88	89	88	87	89	91	82	91	91
Net Occupancy & Equipment Expense	27	28	28	27	26	26	27	28	28	28	28
Marketing Expense	2.76	2.47	3.46	3.96	2.41	2.88	3.75	3.38	1.98	3.30	3.45
Other Operating Expenses	39	31	32	28	31	32	31	29	28	31	117
Amortization Expense	4.43	4.42	4.41	4.18	4.18	4.10	4.08	3.88	3.88	3.39	3.11
Income Tax Expense	24	23	36	27	32	25	33	31	33	30	15
Basic Earnings per Share	$0.96	$1.08	$1.32	$1.44	$1.37	$1.28	$1.60	$1.55	$1.59	$1.64	$0.77
Weighted Average Basic Shares Outstanding	68.98M	68.81M	68.82M	68.80M	68.81M	68.79M	68.59M	68.40M	68.45M	67.54M	66.88M
Diluted Earnings per Share	$0.95	$1.08	$1.32	$1.44	$1.35	$1.27	$1.60	$1.54	$1.59	$1.63	$0.77
Weighted Average Diluted Shares Outstanding	69.10M	69.01M	69.01M	69.07M	69.06M	69.03M	68.80M	68.67M	68.71M	67.77M	67.10M
Weighted Average Basic & Diluted Shares Outstanding	69.03M	69.11M	69.07M	69.07M	69.07M	68.91M	68.59M	68.32M	67.88M	67.29M	67.11M

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

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	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Period end date	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	6/30/2026
Net Change in Cash & Equivalents	-378	44	151	-3.04	-139	72	-122	-127	46	240	-132
Net Cash From Operating Activities	213	19	-97	102	131	117	61	105	107	257	79
Net Cash From Continuing Operating Activities	213	19	-97	102	131	117	61	105	107	257	79
Net Income / (Loss) Continuing Operations	66	74	91	99	94	88	110	106	108	110	51
Consolidated Net Income / (Loss)	66	74	91	99	94	88	110	106	108	110	51
Provision For Loan Losses	23	21	19	6.11	13	22	2.77	23	23	17	17
Depreciation Expense	20	9.44	4.80	4.70	22	8.36	8.12	6.87	6.31	6.00	5.18
Amortization Expense	-13	2.61	7.58	7.55	-13	2.28	2.33	2.17	2.01	2.24	2.26
Non-Cash Adjustments to Reconcile Net Income	97	-89	-219	-15	-3.87	-3.61	-62	-33	-3.17	122	3.29
Net Cash From Investing Activities	4.12	-370	-500	70	-46	-185	-277	-466	-375	-510	-491
Net Cash From Continuing Investing Activities	4.12	-370	-500	70	-46	-185	-277	-466	-375	-510	-491
Purchase of Property, Leasehold Improvements and Equipment	-5.85	-3.44	-3.28	-2.41	-4.36	-2.69	-7.65	-4.40	-5.80	-7.74	-8.61
Purchase of Investment Securities	-477	-411	-190	-295	-884	-267	-537	-601	-493	-196	-1,039
Sale of Property, Leasehold Improvements and Equipment	3.88	0.21	0.03	0.01	-	0.15	-	0.02	-	0.00	0.04
Sale and/or Maturity of Investments	83	44	102	428	26	85	268	140	124	-306	556
Net Cash From Financing Activities	-595	395	748	-175	-223	140	94	234	313	493	280
Net Cash From Continuing Financing Activities	-595	395	748	-175	-223	140	94	234	313	493	280
Net Change in Deposits	118	289	447	435	-157	190	20	295	148	261	-49
Issuance of Debt	2,005	983	2,370	1,090	1,865	1,040	1,575	2,530	3,018	3,390	3,580
Repayment of Debt	-2,705	-861	-2,055	-1,690	-1,921	-1,055	-1,475	-2,569	-2,798	-3,060	-3,218
Repurchase of Common Equity	-3.27	-4.89	-2.96	-	-0.10	-21	-13	-8.48	-41	-84	-20
Payment of Dividends	-10	-10	-10	-10	-10	-14	-14	-14	-14	-14	-13
Cash Interest Paid	127	130	138	140	132	112	116	118	115	108	106
Cash Income Taxes Paid	13	0.40	56	42	4.94	0.21	98	22	-	0.45	78

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

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	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025	Q2 2025	Q3 2025	Q1 2026	Q2 2026
Period end date	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	6/30/2026
Total Assets	26,088	25,801	25,698	25,655	26,521	26,400	26,515	26,680	27,100	28,110	28,489
Cash and Due from Banks	266	285	241	236	257	232	253	250	217	235	237
Interest Bearing Deposits at Other Banks	-	-	-	975	1,105	1,128	1,039	921	826	1,094	960
Trading Account Securities	1,631	1,603	1,566	1,561	1,680	1,603	2,117	2,048	2,334	2,556	2,669
Loans and Leases, Net of Allowance	19,755	20,200	19,911	20,280	20,656	20,631	20,361	20,700	20,913	21,473	21,818
Loans and Leases	19,998	20,472	20,201	20,600	20,993	20,965	20,707	21,041	21,258	21,828	22,178
Allowance for Loan and Lease Losses	243	272	290	320	336	334	346	342	345	355	360
Loans Held for Sale	395	391	381	364	570	553	545	544	604	497	482
Premises and Equipment, Net	219	219	218	215	213	211	208	211	212	216	221
Goodwill	1,016	1,016	1,016	1,016	1,016	1,016	1,016	1,016	1,016	1,016	1,016
Intangible Assets	101	97	92	84	79	75	67	63	59	51	48
Other Assets	950	956	968	924	944	952	909	928	919	971	1,038
Total Liabilities & Shareholders' Equity	26,088	25,801	25,698	25,655	26,521	26,400	26,515	26,680	27,100	28,110	28,489
Total Liabilities	22,835	22,516	22,351	22,171	22,954	22,718	22,691	22,762	23,083	24,028	24,398
Non-Interest Bearing Deposits	7,298	6,707	6,590	6,538	6,649	6,670	6,745	6,801	6,757	6,749	6,783
Interest Bearing Deposits	12,600	13,736	14,001	14,459	14,795	15,209	15,168	15,132	15,471	15,888	15,805
Long-Term Debt	2,530	1,666	1,339	762	1,078	478	410	510	471	1,023	1,385
Other Long-Term Liabilities	408	407	421	411	432	361	369	320	384	368	425
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	3,253	3,285	3,347	3,485	3,567	3,681	3,824	3,918	4,017	4,082	4,091
Total Preferred & Common Equity	3,253	3,285	3,347	3,485	3,567	3,681	3,824	3,918	4,017	4,082	4,091
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	3,253	3,285	3,347	3,485	3,567	3,681	3,824	3,918	4,017	4,082	4,091
Common Stock	2,010	2,012	2,015	2,021	2,024	2,027	2,035	2,038	2,041	2,047	2,052
Retained Earnings	1,363	1,415	1,484	1,604	1,684	1,773	1,927	2,023	2,116	2,307	2,345
Treasury Stock	-84	-92	-92	-100	-103	-103	-124	-137	-145	-271	-290
Accumulated Other Comprehensive Income / (Loss)	-36	-51	-61	-40	-38	-16	-14	-6.89	5.17	-1.48	-17

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	-	-	-	-	-	-	-	-	-	-	-

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

Metric	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Period end date	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	6/30/2026
DEI Shares Outstanding	-	-	-	-	-	-	-	-	-	67,880,297.00	67,292,503.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	67,880,297.00	67,292,503.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	1.63	0.76
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-3.72%	-0.16%	8.57%	4.74%	10.84%	6.96%	0.03%	10.74%	-	9.97%	8.41%
EBITDA Growth	-16.91%	19.49%	44.43%	18.44%	38.35%	12.86%	11.01%	6.12%	-	20.56%	-52.01%
EBIT Growth	-13.53%	24.06%	52.47%	19.86%	39.43%	15.89%	12.80%	8.86%	-	24.61%	-53.71%
NOPAT Growth	-19.81%	22.99%	44.94%	23.84%	43.14%	18.33%	20.98%	6.87%	-	25.65%	-53.16%
Net Income Growth	-19.81%	22.99%	44.94%	23.84%	43.14%	18.33%	20.98%	6.87%	-	25.65%	-53.16%
EPS Growth	-19.49%	24.14%	45.05%	24.14%	42.11%	17.59%	21.21%	6.94%	-	28.35%	-51.88%
Operating Cash Flow Growth	67,470.57%	-85.89%	-204.97%	-22.54%	-38.70%	528.91%	163.23%	2.69%	-	120.06%	29.41%
Free Cash Flow Firm Growth	193.75%	174.52%	131.51%	198.78%	-101.22%	-93.70%	-17.84%	-135.45%	-	-849.71%	-405.31%
Invested Capital Growth	-21.82%	-26.57%	-6.19%	-11.24%	2.68%	-0.32%	-4.66%	7.88%	-	20.59%	23.67%
Revenue Q/Q Growth	-3.17%	1.87%	12.48%	-5.61%	2.47%	-1.69%	5.20%	4.49%	-	2.35%	3.71%
EBITDA Q/Q Growth	-16.16%	12.78%	25.93%	-0.53%	-2.07%	-10.12%	23.93%	-4.61%	-	-0.29%	-50.67%
EBIT Q/Q Growth	-13.94%	7.82%	29.81%	-0.49%	0.11%	-10.38%	26.35%	-3.96%	-	-0.26%	-53.07%
NOPAT Q/Q Growth	-17.70%	12.71%	22.17%	9.28%	-4.87%	-6.82%	24.90%	-3.46%	-	1.97%	-53.44%
Net Income Q/Q Growth	-17.70%	12.71%	22.17%	9.28%	-4.87%	-6.82%	24.90%	-3.46%	-	1.97%	-53.44%
EPS Q/Q Growth	-18.10%	13.68%	22.22%	9.09%	-6.25%	-5.93%	25.98%	-3.75%	-	2.52%	-52.76%
Operating Cash Flow Q/Q Growth	61.40%	-91.27%	-622.40%	205.26%	27.73%	-10.46%	-47.48%	70.96%	-	140.24%	-69.12%
Free Cash Flow Firm Q/Q Growth	289.46%	34.14%	-75.33%	57.54%	-102.33%	795.54%	221.62%	-167.98%	-	-57.12%	-30.98%
Invested Capital Q/Q Growth	-13.23%	4.43%	9.36%	-10.44%	0.38%	1.38%	4.59%	1.35%	-	7.06%	7.27%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	37.27%	41.26%	46.20%	48.68%	46.52%	43.23%	50.92%	46.49%	-	47.39%	22.54%
EBIT Margin	34.45%	36.46%	42.08%	44.36%	43.34%	39.51%	47.45%	43.61%	-	44.77%	20.26%
Profit (Net Income) Margin	25.13%	27.80%	30.20%	34.96%	32.46%	30.76%	36.52%	33.74%	-	35.15%	15.78%
Tax Burden Percent	72.95%	76.26%	71.77%	78.81%	74.89%	77.86%	76.97%	77.37%	-	78.52%	77.89%
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	27.05%	23.74%	28.23%	21.19%	25.11%	22.14%	23.03%	22.63%	-	21.48%	22.11%
Return on Invested Capital (ROIC)	5.85%	5.97%	6.93%	8.81%	9.00%	8.42%	9.35%	9.30%	-	9.31%	4.02%
ROIC Less NNEP Spread (ROIC-NNEP)	5.85%	5.97%	6.93%	8.81%	9.00%	8.42%	9.35%	9.30%	-	9.31%	4.02%
Return on Net Nonoperating Assets (RNNOA)	2.33%	2.92%	2.78%	2.28%	1.33%	1.35%	1.98%	1.15%	-	1.69%	0.95%
Return on Equity (ROE)	8.18%	8.89%	9.71%	11.08%	10.33%	9.77%	11.33%	10.45%	-	10.99%	4.97%
Cash Return on Invested Capital (CROIC)	30.30%	36.28%	12.88%	19.38%	6.06%	9.10%	13.40%	1.62%	-	-9.36%	-13.57%
Operating Return on Assets (OROA)	1.48%	1.52%	1.77%	1.90%	1.92%	1.76%	2.07%	1.94%	-	2.03%	0.93%
Return on Assets (ROA)	1.08%	1.16%	1.27%	1.50%	1.44%	1.37%	1.59%	1.50%	-	1.59%	0.72%
Return on Common Equity (ROCE)	8.18%	8.89%	9.71%	11.08%	10.33%	9.77%	11.33%	10.45%	-	10.99%	4.97%
Return on Equity Simple (ROE_SIMPLE)	0.00%	8.12%	8.72%	8.97%	0.00%	9.74%	9.99%	9.91%	-	10.65%	9.20%
Net Operating Profit after Tax (NOPAT)	66	74	91	99	94	88	110	106	-	110	51
NOPAT Margin	25.13%	27.80%	30.20%	34.96%	32.46%	30.76%	36.52%	33.74%	-	35.15%	15.78%
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	40.38%	42.29%	39.76%	42.19%	40.06%	40.24%	39.84%	38.79%	-	39.15%	37.75%
Operating Expenses to Revenue	56.80%	55.64%	51.68%	53.49%	52.26%	52.83%	51.63%	49.19%	-	49.97%	74.45%
Earnings before Interest and Taxes (EBIT)	90	97	127	126	126	113	143	137	-	141	66
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	98	110	139	138	135	124	153	146	-	149	73
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.06	0.95	0.97	1.17	1.15	1.03	1.14	1.25	-	1.30	1.48
Price to Tangible Book Value (P/TBV)	1.56	1.39	1.40	1.66	1.62	1.44	1.57	1.71	-	1.76	2.01
Price to Revenue (P/Rev)	3.36	3.07	3.14	3.86	3.78	3.41	3.83	4.22	-	4.28	4.81
Price to Earnings (P/E)	13.45	11.70	11.12	13.01	12.05	10.62	11.36	12.63	-	12.18	16.14
Dividend Yield	1.14%	1.25%	1.20%	0.96%	1.04%	1.22%	1.16%	1.09%	-	1.03%	0.89%
Earnings Yield	7.43%	8.55%	8.99%	7.69%	8.30%	9.42%	8.80%	7.92%	-	8.21%	6.20%
Enterprise Value to Invested Capital (EV/IC)	0.76	0.67	0.68	0.82	0.84	0.73	0.86	0.99	-	0.98	1.14
Enterprise Value to Revenue (EV/Rev)	2.87	2.66	2.88	3.07	3.09	2.64	3.26	3.74	-	4.03	4.96
Enterprise Value to EBITDA (EV/EBITDA)	7.68	6.80	6.85	7.04	6.75	5.72	6.86	7.95	-	8.35	12.09
Enterprise Value to EBIT (EV/EBIT)	8.66	7.61	7.57	7.76	7.41	6.25	7.46	8.59	-	8.88	12.91
Enterprise Value to NOPAT (EV/NOPAT)	11.49	10.11	10.21	10.34	9.83	8.25	9.67	11.19	-	11.47	16.64
Enterprise Value to Operating Cash Flow (EV/OCF)	5.44	6.28	11.92	14.43	22.86	12.16	9.21	10.77	-	9.40	11.42
Enterprise Value to Free Cash Flow (EV/FCFF)	2.20	1.57	5.14	3.98	14.12	7.96	6.23	63.47	-	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.19	0.22	0.30	0.13	0.11	0.11	0.13	0.12	-	0.25	0.34
Long-Term Debt to Equity	0.19	0.22	0.30	0.13	0.11	0.11	0.13	0.12	-	0.25	0.34
Financial Leverage	0.40	0.49	0.40	0.26	0.15	0.16	0.21	0.12	-	0.18	0.24
Leverage Ratio	7.59	7.68	7.64	7.41	7.17	7.14	7.11	6.95	-	6.91	6.89
Compound Leverage Factor	7.59	7.68	7.64	7.41	7.17	7.14	7.11	6.95	-	6.91	6.89
Debt to Total Capital	15.74%	17.95%	23.21%	11.50%	10.16%	9.67%	11.52%	10.49%	-	20.04%	25.30%
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	15.74%	17.95%	23.21%	11.50%	10.16%	9.67%	11.52%	10.49%	-	20.04%	25.30%
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	84.26%	82.05%	76.79%	88.50%	89.84%	90.33%	88.48%	89.51%	-	79.96%	74.70%
Debt to EBITDA	1.59	1.81	2.32	0.99	0.81	0.76	0.92	0.84	-	1.71	2.67
Net Debt to EBITDA	-1.31	-1.07	-0.61	-1.82	-1.52	-1.65	-1.20	-1.02	-	-0.51	0.36
Long-Term Debt to EBITDA	1.59	1.81	2.32	0.99	0.81	0.76	0.92	0.84	-	1.71	2.67
Debt to NOPAT	2.38	2.69	3.46	1.45	1.18	1.10	1.30	1.18	-	2.35	3.68
Net Debt to NOPAT	-1.96	-1.59	-0.91	-2.67	-2.22	-2.37	-1.69	-1.44	-	-0.71	0.50
Long-Term Debt to NOPAT	2.38	2.69	3.46	1.45	1.18	1.10	1.30	1.18	-	2.35	3.68
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)	1,201	1,611	397	626	-15	102	326	-222	-	-761	-997
Operating Cash Flow to CapEx	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%	926.61%
Free Cash Flow to Firm to Interest Expense	9.52	12.58	2.93	4.44	-0.12	0.91	2.82	-1.90	-	-7.09	-8.81
Operating Cash Flow to Interest Expense	1.69	0.15	-0.72	0.72	1.05	1.04	0.53	0.90	-	2.40	0.70
Operating Cash Flow Less CapEx to Interest Expense	1.67	0.12	-0.74	0.71	1.01	1.02	0.46	0.86	-	2.32	0.63
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	-	0.05	0.05
Fixed Asset Turnover	4.94	4.97	5.10	5.20	5.36	5.49	5.47	5.64	-	5.83	5.84
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	4,067	4,247	4,644	4,160	4,176	4,233	4,428	4,488	-	5,105	5,476
Invested Capital Turnover	0.23	0.21	0.23	0.25	0.28	0.27	0.26	0.28	-	0.26	0.25
Increase / (Decrease) in Invested Capital	-1,135	-1,536	-307	-527	109	-14	-217	328	-	872	1,048
Enterprise Value (EV)	3,092	2,862	3,176	3,414	3,525	3,071	3,786	4,456	-	4,987	6,262
Market Capitalization	3,620	3,311	3,460	4,295	4,322	3,953	4,447	5,028	-	5,294	6,074
Book Value per Share	$49.63	$50.48	$51.61	$53.30	$54.32	$55.36	$56.85	$58.56	-	$60.14	$60.79
Tangible Book Value per Share	$33.64	$34.56	$35.77	$37.51	$38.59	$39.69	$41.20	$42.90	-	$44.42	$44.98
Total Capital	4,067	4,247	4,644	4,160	4,176	4,233	4,428	4,488	-	5,105	5,476
Total Debt	640	762	1,078	478	424	410	510	471	-	1,023	1,385
Total Long-Term Debt	640	762	1,078	478	424	410	510	471	-	1,023	1,385
Net Debt	-527	-449	-284	-881	-796	-883	-660	-572	-	-307	188
Capital Expenditures (CapEx)	1.97	3.22	3.25	2.40	4.36	2.54	7.65	4.38	-	7.74	8.57
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)	640	762	1,078	478	424	410	510	471	-	1,023	1,385
Total Depreciation and Amortization (D&A)	7.40	13	12	12	9.26	11	10	9.04	-	8.25	7.44
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.96	$1.08	$1.32	$1.44	$1.37	$1.28	$1.60	$1.55	$1.59	$1.64	$0.77
Adjusted Weighted Average Basic Shares Outstanding	68.98M	68.81M	68.82M	68.80M	68.81M	68.79M	68.59M	68.40M	68.45M	67.54M	66.88M
Adjusted Diluted Earnings per Share	$0.95	$1.08	$1.32	$1.44	$1.35	$1.27	$1.60	$1.54	$1.59	$1.63	$0.77
Adjusted Weighted Average Diluted Shares Outstanding	69.10M	69.01M	69.01M	69.07M	69.06M	69.03M	68.80M	68.67M	68.71M	67.77M	67.10M
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	69.03M	69.11M	69.07M	69.07M	69.07M	68.91M	68.59M	68.32M	67.88M	67.29M	67.11M
Normalized Net Operating Profit after Tax (NOPAT)	66	74	91	99	94	88	110	106	-	110	51
Normalized NOPAT Margin	25.13%	27.80%	30.20%	34.96%	32.46%	30.76%	36.52%	33.74%	-	35.15%	15.78%
Pre Tax Income Margin	34.45%	36.46%	42.08%	44.36%	43.34%	39.51%	47.45%	43.61%	-	44.77%	20.26%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.72	0.76	0.93	0.89	1.01	1.01	1.23	1.17	-	1.31	0.58
NOPAT to Interest Expense	0.52	0.58	0.67	0.70	0.76	0.79	0.95	0.91	-	1.03	0.45
EBIT Less CapEx to Interest Expense	0.70	0.74	0.91	0.88	0.98	0.99	1.17	1.13	-	1.24	0.51
NOPAT Less CapEx to Interest Expense	0.51	0.56	0.65	0.69	0.72	0.76	0.88	0.87	-	0.96	0.38
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	15.48%	14.68%	13.34%	12.56%	11.56%	12.12%	12.40%	13.03%	-	12.69%	14.57%
Augmented Payout Ratio	23.04%	20.40%	16.92%	15.93%	13.78%	18.51%	21.01%	23.63%	-	46.21%	55.09%

Financials Breakdown Chart

Key Financial Trends

Ameris Bancorp’s latest quarter showed solid profitability, strong operating cash flow, and a much healthier balance sheet than in prior periods. For Q1 2026, the company earned $110.5 million and generated $257.1 million of operating cash flow, while ending the quarter with $4.08 billion of common equity and a stronger capital position than a year ago.

Compared with recent quarters, results were broadly stable at the top line, but there are a few important trends investors should watch: net interest income has held up well, deposit costs remain elevated, loan-loss provisioning is still meaningful, and the bank is continuing to actively manage its balance sheet with debt issuance and repayments.

Profitability remained strong in Q1 2026. Net income was $110.5 million, up slightly from $108.4 million in Q4 2025 and $87.9 million in Q1 2025.
Operating cash flow was robust. Ameris produced $257.1 million in operating cash flow in Q1 2026, well above Q4 2025 and Q1 2025 levels.
Net interest income stayed resilient. Q1 2026 net interest income was $244.4 million, slightly above Q4 2025 and above the year-ago quarter, suggesting the core banking spread is still holding together.
Noninterest income improved sequentially. Total non-interest income rose to $69.9 million from $61.8 million in Q4 2025, helped by higher service-charge income.
Balance sheet equity increased. Total common equity reached $4.08 billion in Q1 2026, up from $3.92 billion at year-end 2025 and $3.82 billion in Q1 2025.
Deposits grew in the latest quarter. Net change in deposits was positive by $260.7 million in Q1 2026, which supports funding stability.
Earnings per share were steady. Q1 2026 diluted EPS was $1.63, roughly in line with recent quarters, while share count was slightly lower than in Q4 2025.
Loan growth was moderate. Net loans and leases rose to $21.47 billion in Q1 2026 from $21.09 billion in Q3 2025 and $20.70 billion in Q2 2025, indicating continued balance-sheet expansion.
Goodwill remains a large asset on the balance sheet. Goodwill of about $1.02 billion is a meaningful portion of total assets, which investors often monitor in banking M&A-heavy balance sheets.
Provisioning remains elevated. Q1 2026 provision for credit losses was $16.6 million, higher than Q1 2025’s $21.9 million but still a notable drag on earnings power.
Deposit costs are still high. Deposit interest expense was $96.2 million in Q1 2026, showing funding costs remain a pressure point even as rates may begin to stabilize.
Investment activity weighed on cash flow. The company had a large investing cash outflow of $509.9 million in Q1 2026, driven by heavy securities purchases.
Debt usage is still significant. Ameris issued $3.39 billion of debt and repaid $3.06 billion in Q1 2026, highlighting ongoing reliance on wholesale funding management.

Bottom line: Ameris Bancorp appears to be in decent financial shape, with steady earnings, strong operating cash generation, and improving equity. The main watch items are funding costs, credit provisioning, and the ongoing need to actively manage debt and securities positions.

08/15/26 07:09 AM 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 fiscal year ends in December. Their fiscal 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. See where experts think Ameris Bancorp is headed by visiting Ameris Bancorp's forecast page.

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.

Related Companies

Financial statements for NASDAQ:ABCB last updated on 8/7/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

From Our Partners

Unlock superior investment research and tools.

Get MarketBeat All Access

In-depth profiles and analysis for 20,000 public companies.
Real-time analyst ratings, insider transactions, earnings data, and more.
Our daily ratings and market update email newsletter.

Sign In
Create Account

Your Email Address:

Your Password:

Forgot your password?

Your Email Address:

Choose a Password:

By creating a free account, you agree to our terms of service. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

Ameris Bancorp (ABCB) Financials

Financials Breakdown Chart

Key Financial Trends

Ameris Bancorp Financials - Frequently Asked Questions

Best-in-Class Portfolio Monitoring

Stock Ideas and Recommendations

Advanced Stock Screeners and Research Tools

About MarketBeat

MarketBeat Products

Popular Tools

Financial Calendars

Terms & Info

Ameris Bancorp (ABCB) Financials

Annual Income Statements for Ameris Bancorp

Quarterly Income Statements for Ameris Bancorp

Annual Cash Flow Statements for Ameris Bancorp

Quarterly Cash Flow Statements for Ameris Bancorp

Annual Balance Sheets for Ameris Bancorp

Quarterly Balance Sheets for Ameris Bancorp

Annual Metrics And Ratios for Ameris Bancorp

Quarterly Metrics And Ratios for Ameris Bancorp

Financials Breakdown Chart

Key Financial Trends

Ameris Bancorp Financials - Frequently Asked Questions

When does Ameris Bancorp's financial year end?

How has Ameris Bancorp's net income changed over the last 10 years?

How has Ameris Bancorp's revenue changed over the last 10 years?

How much debt does Ameris Bancorp have?

How much cash does Ameris Bancorp have?

MarketBeat All Access Features

Best-in-Class Portfolio Monitoring

Stock Ideas and Recommendations

Advanced Stock Screeners and Research Tools