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  2. SECTOR : BANKING & FINANCE
  3. INDUSTRY : REGIONAL & COMMUNITY BANKS
  4. AMERIS BANCORP
Ameris Bancorp
XNYS: ABCB
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Ameris Bancorp quarterly and annual earnings report: results, revenue, profit, P&L, balance sheet, cash flow, financial ratios, revenue mix, peer comparison, and financial documents

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Forecaster Analyst Estimates for Ameris Bancorp share price target, revenues, EPS, net income and more

Ameris Bancorp quarterly results: revenue, profit, and P&L – 13 quarter history

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  • POSITIVE

    Quarterly Revenue Ameris Bancorp Jun-2026 Quarterly Revenue is $318 Million which is growth of 8.8% YoY.

  • NEGATIVE

    Quarterly Net Profit Ameris Bancorp Jun-2026 Quarterly Net Profit is $51 Million which is growth of -53.2% YoY.

Ameris Bancorp, Earnings Report - Quarterly Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphJun '26Mar '26Dec '25Sep '25Jun '25Mar '25Dec '24Sep '24Jun '24Mar '24Dec '23Sep '23Jun '23
Operating Rev.
318306.5298.9305.3292.2277.3281.2275.3290257.3253.3263267.3
Cost Of Rev.
-------------
Gross Profit
-------------
⌄
----------105.984.684
Operating Profit
----------
⌄
-------------
Profit Before Tax
66.1140.7141.1137142.7112.9126125.9126.597.590.410583
Tax
14.630.232.73132.92531.726.735.723.124.524.920.3
⌄
51.5110.5108.4106109.887.994.499.290.874.365.980.162.6
Diluted NI Avail to Com Stockholders Ann.
51.5110.5108.4106109.887.994.499.290.874.365.980.162.6
Basic EPS
0.81.61.61.61.61.31.41.41.31.111.20.9
Diluted EPS After ExtraOrdinary
1.61.61.61.51.61.31.41.41.21.11.11.20.9
Number Of Shares End
66.967.56868.468.668.868.868.868.868.868.868.969
Net Income Continuing Discontinued Operations
51.5110.5108.4106109.887.994.499.290.874.365.980.162.6
Normalized Income
107.3112.8108.9105.3109.48895.195.280.875.673.680.162.6
Interest Income
365.6351.8358.1355.1347.6333.8346.4355.2347.3329.5332.2330.6322
Interest
113.1107.3112.8117.1115.8111.9124.5141.1135.4128.1126.1122.8112.4
Net Interest Income
252.5244.4245.3238231.8221.8221.8214.1211.9201.4206.1207.8209.5
EBIT
-------------
EBITDA
-------------
Reconciled Cost Of Rev.
-------------
Reconciled Depr.
7.48.28.3910.510.611.811.411.611.912.21212.3
Profit From Continuing Operations
51.5110.5108.4106109.887.994.499.290.874.365.980.162.6
Normalized EBITDA
-------------
*All financials are in USD Million and price data in USD
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Ameris Bancorp competitor comparison and performance snapshot within industry

Ameris Bancorp annual results: revenue, profit, P&L, and margins as of Dec 2025 – 11 year history

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  • POSITIVE

    Annual Revenue Ameris Bancorp Dec-2025 Annual Revenue is $1,174 Million which is growth of 6.3% YoY.

  • POSITIVE

    Annual Net Profit Ameris Bancorp Dec-2025 Annual Net Profit is $412 Million which is growth of 14.9% YoY.

Ameris Bancorp, Earnings Report - Annual Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsTTMDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
3.8%
1.7%
 1,173.71,103.81,042.51,048.6990.91,079.2699.2457.8361.1319243.4
Cost Of Rev. Ann.
-
-
 -----------
Gross Profit Ann.
-
-
 -----------
Operating Exp. Ann.
-
-
 ---445.4-92.9-47.8-88.8-131.2-69.9-34.2-19.7-14.9
Operating Profit Ann.
-
-
 --1,487.91,141.51,038.61,167.9830.4527.7395.3338.7258.3
⌄
-
-
 -----------
Other Exp. Ann.
-
-
 -----------
PBT Ann.
5.6%
9.4%
484.9533.8475.9356.9453.1496.1340.2211.6151.5124.3105.356.7
Tax Ann.
4.5%
9.2%
108.6121.6117.287.8106.6119.278.350.130.550.733.215.9
⌄
6%
9.5%
376.3412.2358.7269.1346.5376.9262161.412173.672.140.9
Diluted NI Avail to Com Stockholders Ann.
6%
9.5%
376.3412.2358.7269.1346.5376.9262161.412173.672.140.9
EPS Ann.
6.3%
9.6%
 65.23.955.43.82.82.822.11.3
Diluted EPS Ann.
6.3%
9.6%
 65.23.955.43.82.82.822.11.3
Number Of Shares End
-0.5%
-0.4%
 6868.868.869.169.469.369.647.637.234.932.2
Total Exp. Ann.
-
-
 -----------
Net Income Continuing Discontinued Operations Ann.
6%
9.5%
376.3412.2358.7269.1346.5376.9262161.412173.672.140.9
Normalized Income Ann.
7.7%
6.5%
434.3411.6346.6276.3329.4368.7300.5222.9146.292.38053.3
Interest Income Ann.
16%
13.9%
1,430.51,394.51,378.31,280.4893.9703.1726.5636.4413.3294.4239.1190.4
Interest Ann.
70.1%
38.8%
450.3457.6529.1445.492.947.888.8131.269.934.219.714.9
EBITDA Ann.
-
-
 -----------
Reconciled Cost Of Rev. Ann.
-
-
 -----------
Reconciled Depr. Ann.
-8.9%
-7%
3338.446.748.750.847.955.141.119.513.113.911.8
Profit From Continuing Operations Ann.
6%
9.5%
376.3412.2358.7269.1346.5376.9262161.412173.672.140.9
Normalized EBITDA Ann.
-
-
 -----------
*All financials are in USD Million and price data in USD
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Total Rev. Ann.
1Y CHG
6.3%
2Y CAGR
6.1%
3Y CAGR
3.8%
5Y CAGR
1.7%
7Y CAGR
14.4%
10Y CAGR
17%
Total Revenue Annual growth is stable compared to historical averages.
Net Profit Ann.
1Y CHG
14.9%
2Y CAGR
23.8%
3Y CAGR
6%
5Y CAGR
9.5%
7Y CAGR
19.1%
10Y CAGR
26%
Net Profit Annual growth is stable compared to historical averages.

Ameris Bancorp balance sheet as of Dec 2025: assets, liabilities, reserves, and borrowings – 11 year history

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  • POSITIVE

    Total Shareholders Fund Ameris Bancorp Dec-2025 Total Shareholders Fund is $4,076 Million which is growth of 8.6% YoY.

  • POSITIVE

    Total Assets Ameris Bancorp Dec-2025 Total Assets is $27,516 Million which is growth of 4.8% YoY.

Ameris Bancorp, Balance Sheet, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
3.2%
6.1%
27,515.926,262.125,203.725,053.323,858.320,438.618,242.611,443.57,856.26,8925,588.9
⌄
2.4%
5.7%
23,439.922,510.521,77721,855.920,891.917,791.615,7739,987.27,051.76,245.65,074.2
⌄
8.4%
9%
4,0763,751.53,426.83,197.42,966.52,647.12,469.61,456.4804.5646.4514.8
Total Capitalization Ann.
-2.9%
8.3%
4,768.44,175.64,066.75,201.53,832.73,196.63,995.91,627.31,140.61,184.1599.6
Tangible Assets Ann.
13.1%
12.8%
3,005.62,665.12,323.22,075.61,827.91,647.11,446.4894.2665.5503.5407.6
Working Capital Ann.
-
-
--
Invested Capital Ann.
-2.9%
8.3%
4,768.44,175.64,066.75,201.53,832.73,196.63,995.91,697.31,140.61,223623.6
Tangible Book Value Ann.
13.1%
12.8%
3,005.62,665.12,323.22,075.61,827.91,647.11,446.4894.2665.5503.5407.6
Borrowings Ann.
-29.8%
4.7%
692.3424.1639.92,004.1866.2549.51,526.3241336.1576.6108.9
Net Debt Ann.
-
-
---885.9--928.6-5.5378.2-
Share Issued Ann.
0.3%
0.3%
72.972.772.572.37271.871.54938.736.433.6
Number Of Shares End
-0.5%
-0.4%
6868.868.869.169.469.369.647.637.234.932.2
*All financials are in USD Million and price data in USD
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Total Assets Ann.
1Y CHG
4.8%
2Y CAGR
4.5%
3Y CAGR
3.2%
5Y CAGR
6.1%
7Y CAGR
13.4%
10Y CAGR
17.3%
Total Assets Annual growth is stable compared to historical averages.
Total ShareHolders Funds Ann.
1Y CHG
8.6%
2Y CAGR
9.1%
3Y CAGR
8.4%
5Y CAGR
9%
7Y CAGR
15.8%
10Y CAGR
23%
Total ShareHolders Funds Annual growth is stable compared to historical averages.

Ameris Bancorp ROE, ROCE, book value, and debt-to-equity ratio as of Dec 2025 – 11 year history

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  • POSITIVE

    Book Value Per Share Ameris Bancorp Book Value Per Share is $60 which is growth of 10.6% YoY.

  • NEUTRAL

    ROE Ameris Bancorp ROE is 0% which is growth of 0% YoY.

Ameris Bancorp, Ratios, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
RoA Ann. %
-
-
-1.39%1.07%1.42%1.70%1.35%1.09%1.25%1.00%1.16%0.85%
ROE Ann. %
-
-
-9.99%8.12%11.24%13.43%10.24%8.22%10.71%10.14%12.42%9.28%
ROIC %
-
-
-----------
OPM Ann. %
-
-
--142.72%108.86%104.82%108.22%118.77%115.28%109.48%106.17%106.10%
Inventory Turnover Ratio Ann.
-
-
-----------
Asset Turnover Ann. %
-
-
-00000.10.10.10.10.10.1
Working Capital Turnover Ann.
-
-
-----------
Quick Ratio Ann.
-
-
-----------
Current Ratio Ann.
-
-
-----------
Interest Coverage Ratio Ann.
-
-
-----------
LT Debt To Equity Ann.
-
-
-0.10.20.60.30.20.60.10.40.80.2
*All financials are in USD Million and price data in USD
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Ameris Bancorp cash flow: net, operating, investing, and financing flows as of Dec 2025 – 11 year history

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  • POSITIVE

    Cash From Operating Activity Ameris Bancorp Dec-2025 Cash From Operating Activity is $390 Million which is growth of 153.0% YoY.

  • NEGATIVE

    Net Cash Flow Ameris Bancorp Dec-2025 Net Cash Flow is $-131 Million which is growth of -347.7% YoY.

Ameris Bancorp, Cash Flow, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
-28.4%
-13.3%
390.2154.25691,062.59.1798.4-940.2-108.8-62.6-69.8-25.2
⌄
-
-
-1,302.8-846.7-338.2-4,874.5-421-1,200.7-487.1-53.3-666.9-802.9-167.9
⌄
-3.4%
-16.3%
781.2745.6-181.6865.52,359.21,897.81,369.6511861.7680.5413.3
Cash Plus Cash Eqv. End Of Year Ann.
-0.9%
-12.5%
1,088.91,220.41,167.31,118.14,064.72,117.3621.9679.5330.7198.4390.6
Net Increase In Cash Plus Cash Eqv.s Ann.
-
-
-131.553.149.2-2,946.51,947.41,495.5-57.7348.9132.3-192.2220.2
Cash Plus Cash Eqv. Begin Of Year Ann.
-33%
14.4%
1,220.41,167.31,118.14,064.72,117.3621.9679.5330.7198.4390.6170.4
Income Tax Paid Supplemental Data Ann.
-
-
-102.5101.3133.971.898.635.92038.940.65.8
Interest Paid Supplemental Data Ann.
74.7%
37.3%
461.9540.3418.486.64994.8125.467.532.519.315.2
Capex Ann.
-
-
-20.5-13.5-17.5-13.6-25.5-18.1-11.6-10-3.8-11-12.6
Issuance Of Capital Stock Ann.
-
-
------88.7114.9
Issuance Of Debt Ann.
27.4%
2.5%
8,1636,30815,8423,9507,2035,236.61,5301,837.7635.9
Repayment Of Debt Ann.
-
-
-7,897.2-6,527-17,207.9-2,814.6-296.3-8,181.7-4,141.4-1,844.3-2,079.6-231-39.9
Repurchase Of Capital Stock Ann.
-
-
-82.9-8-20.4-22.4-9.4-8-18.4-2.1-0.9-1.2-0.7
Free Cash Flow Ann.
-29.4%
-13.9%
369.6140.7551.41,048.9-16.3780.3-951.8-118.8-66.3-80.7-37.8
*All financials are in USD Million and price data in USD
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Cash from Operating Act. Ann.
1Y CHG
153%
2Y CAGR
-17.2%
3Y CAGR
-28.4%
5Y CAGR
-13.3%
Cash from Operating Activity Annual growth is stable compared to historical averages.
Cash from Financing Act. Ann.
1Y CHG
4.8%
3Y CAGR
-3.4%
5Y CAGR
-16.3%
7Y CAGR
6.3%
10Y CAGR
6.6%
Cash from Financing Annual Activity growth is stable compared to historical averages.
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