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Ameris Bancorp

ABCB NYSE State Commercial Banks Financials FY2016–FY2025

Revenue Total sales reported in the income statement.
$1.2B
5.7% vs prior year
Efficiency ratio Noninterest expense as a share of revenue. Lower is better for banks.
50.0%
3.2 pts
Net income Profit after all expenses, interest and tax.
$412M
14.9%
Return on equity Net income as a share of average shareholders' equity.
10.5%
0.5 pts
Market cap Last close times the latest diluted share count, so it is approximate.
—
P/E Last close divided by diluted earnings per share over the last four quarters.
—
On $5.53 EPS (TTM)

What Ameris Bancorp does

No business description yet.

Legal name
Ameris Bancorp
Fiscal year ends
December 31, 2025
Latest annual report
10-K · Feb 26, 2026
Accession · CIK
0000351569-26-000050
0000351569

Revenue and margins

Ameris Bancorp had $1.2B of revenue in fiscal 2025, up 5.7% on the year before.

Revenue
Revenue
Net interest income share and efficiency ratio
Net interest share Efficiency ratio
Net interest income share and efficiency ratio
Net interest share Efficiency ratio

Net income and earnings per share

From fiscal 2016 to 2025, diluted EPS grew 12.5% a year. Loss periods are shown in red.

Net income
Net income
Diluted EPS
Diluted EPS

Returns and efficiency

For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.

Return on equity, return on tangible equity and efficiency ratio
ROE ROTE Efficiency ratio

Dividends, buybacks and share count

Ameris Bancorp returned $55.3M to shareholders in fiscal 2025, 15% of free cash flow. The diluted share count fell 0.5%.

Dividends and buybacks
Dividends Buybacks
Dividends and buybacks
Dividends Buybacks
Diluted shares outstanding (annual)

Balance sheet

Loans, deposits and capital at each fiscal year end.

Loans and deposits
Loans Deposits
Fiscal year endFY21FY22FY23FY24FY25
Loans, net $15.7B$19.6B$20.0B$20.4B$21.2B
Deposits $19.7B$19.5B$20.7B$21.7B$22.4B
Loans / deposits 79.9%101.0%96.4%93.9%94.6%
Total assets $23.9B$25.1B$25.2B$26.3B$27.5B
Shareholders' equity $3.0B$3.2B$3.4B$3.8B$4.1B
Goodwill $1.0B$1.0B$1.0B$1.0B$1.0B
Intangible assets $126M$106M$87.9M$70.8M$54.8M
Provision / loans —0.4%0.7%0.3%0.3%

Insider trades

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.

Bought, 12 months

$0.0M

0 insiders

Sold, 12 months

$0.0M

0 insiders

Of sales under plans

—

$0.0M

No open-market insider trades in the last 12 months.

10 years of figures

US$ millions unless stated. Hover a ratio's name for its definition.

Download CSV
Fiscal yearFY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Income statement
Revenue $325M $365M $462M $703M $1.1B $1.0B $1.1B $1.1B $1.1B $1.2B
Net interest income $219M $260M $343M $505M $638M $655M $801M $835M $849M $937M
Noninterest income $106M $104M $118M $198M $447M $366M $284M $243M $293M $271M
Noninterest expense $216M $232M $294M $472M $599M $560M $561M $578M $608M $604M
Provision for credit losses $4.1M $8.4M $16.7M $19.8M — — $71.7M $143M $58.8M $70.2M
Interest expense $19.7M $34.2M $69.9M $131M $88.8M $47.8M $92.9M $445M — —
Pretax income $105M $124M $151M $212M $340M $496M $453M $357M $476M $534M
Income tax $33.1M $50.7M $30.5M $50.1M $78.3M $119M $107M $87.8M $117M $122M
Net income $72.1M $73.5M $121M $161M $262M $377M $347M $269M $359M $412M
Net income to common $72.1M $73.5M $121M $161M $262M $377M $347M $269M $359M $412M
Diluted EPS $2.08 $1.98 $2.80 $2.75 $3.77 $5.40 $4.99 $3.89 $5.19 $6.00
Diluted shares 0.03B 0.04B 0.04B 0.06B 0.07B 0.07B 0.07B 0.07B 0.07B 0.07B
Cash flow
Cash from operations −$69.8M −$62.6M −$109M −$940M $798M $9.1M $1.1B $569M $154M $390M
Capital expenditure $11.0M $3.8M $10.0M $11.6M $18.1M $25.4M $13.6M $17.5M $13.5M $20.5M
Free cash flow −$80.7M −$66.3M −$119M −$952M $780M −$16.3M $1.0B $551M $141M $370M
Depreciation and amortization $9.5M $9.2M $10.0M $13.1M $15.8M $17.2M $41.0M $34.6M $36.8M $29.7M
Stock-based compensation $2.3M $3.3M $6.2M $3.4M $3.8M $7.9M $6.7M $10.0M $13.4M $12.7M
Acquisitions — — — — — $127M $14.0M $0.0M $0.0M —
Dividends paid $8.6M $14.7M $16.4M $24.7M $41.7M $41.8M $41.6M $41.6M $41.5M $55.3M
Dividends and buybacks $8.6M $14.7M $16.4M $24.7M $41.7M $41.8M $41.6M $41.6M $41.5M $55.3M
Balance sheet
Cash and short-term investments $198M $331M $680M $622M $2.1B $4.1B $1.1B $1.2B $1.2B $1.1B
Loans, net $354M $6.0B $8.5B $12.8B $14.3B $15.7B $19.6B $20.0B $20.4B $21.2B
Deposits $5.6B $6.6B $9.6B $14.0B $17.0B $19.7B $19.5B $20.7B $21.7B $22.4B
Property and equipment, net $121M $118M $145M $233M $223M $225M $220M $216M $209M $213M
Goodwill $126M $126M $503M $932M $928M $1.0B $1.0B $1.0B $1.0B $1.0B
Intangible assets $17.4M $13.5M $58.7M $91.6M $72.0M $126M $106M $87.9M $70.8M $54.8M
Total assets $6.9B $7.9B $11.4B $18.2B $20.4B $23.9B $25.1B $25.2B $26.3B $27.5B
Total liabilities $6.2B $7.1B $10.0B $15.8B $17.8B $20.9B $21.9B $21.8B $22.5B $23.4B
Preferred stock $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M
Shareholders' equity $646M $804M $1.5B $2.5B $2.6B $3.0B $3.2B $3.4B $3.8B $4.1B
Margins
Net margin 22.2% 20.2% 26.2% 23.0% 24.2% 36.9% 31.9% 25.0% 31.4% 34.1%
FCF margin −24.8% −18.2% −25.7% −135.3% 72.0% −1.6% 96.6% 51.2% 12.3% 30.6%
Net interest share of revenue 67.5% 71.3% 74.4% 71.8% 58.8% 64.2% 73.8% 77.5% 74.3% 77.6%
Efficiency ratio 66.4% 63.6% 63.6% 67.1% 55.2% 54.9% 51.7% 53.7% 53.2% 50.0%
Returns
Return on equity 11.2% 10.1% 10.7% 8.2% 10.2% 13.4% 11.2% 8.1% 10.0% 10.5%
Return on assets 1.0% 1.0% 1.3% 1.1% 1.4% 1.7% 1.4% 1.1% 1.4% 1.5%
Return on tangible equity 14.3% 11.1% 13.5% 11.2% 15.9% 20.6% 16.7% 11.6% 13.5% 13.7%
Growth
Revenue growth — 12.1% 26.7% 52.3% 54.2% −5.8% 6.3% −0.7% 6.0% 5.7%
Net income growth — 2.0% 64.6% 33.4% 62.3% 43.9% −8.1% −22.3% 33.3% 14.9%
EPS growth — −4.8% 41.4% −1.8% 37.1% 43.2% −7.6% −22.0% 33.4% 15.6%
FCF growth — — — — — −102.1% — −47.4% −74.5% 162.7%
Share count change — 7.0% 16.4% 35.5% 18.4% 0.5% −0.5% −0.5% −0.1% −0.5%
Financial health
Loans / deposits 6.3% 91.3% 88.2% 91.4% 84.2% 79.9% 101.0% 96.4% 93.9% 94.6%
Provision / loans 1.2% 0.1% 0.2% 0.2% — — 0.4% 0.7% 0.3% 0.3%
Capital allocation
Capex / revenue 3.4% 1.0% 2.2% 1.6% 1.7% 2.5% 1.3% 1.6% 1.2% 1.7%
Stock comp / revenue 0.7% 0.9% 1.4% 0.5% 0.4% 0.8% 0.6% 0.9% 1.2% 1.1%
Payouts / FCF — — — — 5.3% — 4.0% 7.6% 29.5% 14.9%
Quality scores
Accruals ratio 2.1% 1.8% 2.4% 7.4% −2.8% 1.7% −2.9% −1.2% 0.8% 0.1%

Source: SEC EDGAR XBRL filings (CIK 0000351569). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.

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