Ameris Bancorp
ABCB NYSE· State Commercial Banks
Last close · Oct 26, 2026
$82.69
KIRA · Stoqly’s AI analyst, in plain words
- Ameris Bancorp had $1.2B of revenue in fiscal 2025, up 5.7% on the year before. Over five years, revenue changed +2.2% a year on average.
- Ameris Bancorp made $412M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 12.5% a year.
- Ameris Bancorp returned $55.3M to shareholders in fiscal 2025, 15% of free cash flow. The diluted share count fell 0.5%.
- It earned 10.5% on shareholders’ money. Running costs took 50.0% of revenue (the efficiency ratio; lower is better).
Market cap
$5.5B
P/E
15.0x
Revenue
$1.2B
Net income
$412M
Return on equity
10.5%
Efficiency ratio
50.0%
Ameris Bancorp in 30 seconds · fiscal 2025
Are sales growing?
+5.7%
Yes. Sales grew 5.7% last year.
Does it make a profit?
34.1%
Yes. It keeps 34.1% of every sale as profit.
How lean are its costs?
50.0%
Lean. Running costs take 50.0% of revenue.
How much does it earn on its capital?
10.5%
Fair. It earns 10.5% a year on shareholders’ money.
How is the share priced?
15.0x
One share costs 15.0 times its yearly profit per share.
What Ameris Bancorp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 26, 2026
- Legal name
- Ameris Bancorp
- CIK
- 0000351569
Ameris Bancorp · ABCB
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $1.0B | $1.1B | $1.1B | $1.1B | $1.2B |
| Revenue growth | −5.8% | 6.3% | −0.7% | 6.0% | 5.7% |
| Net interest income | $655M | $801M | $835M | $849M | $937M |
| Net income | $377M | $347M | $269M | $359M | $412M |
| Net margin | 36.9% | 31.9% | 25.0% | 31.4% | 34.1% |
| Diluted EPS | $5.40 | $4.99 | $3.89 | $5.19 | $6.00 |
| Cash | |||||
| Cash from operations | $9.1M | $1.1B | $569M | $154M | $390M |
| Capital expenditure | $25.4M | $13.6M | $17.5M | $13.5M | $20.5M |
| Free cash flow | −$16.3M | $1.0B | $551M | $141M | $370M |
| FCF margin | −1.6% | 96.6% | 51.2% | 12.3% | 30.6% |
| Dividends paid | $41.8M | $41.6M | $41.6M | $41.5M | $55.3M |
| Share count change | 0.5% | −0.5% | −0.5% | −0.1% | −0.5% |
| Debt and strength | |||||
| Cash and short-term investments | $4.1B | $1.1B | $1.2B | $1.2B | $1.1B |
| Loans, net | $15.7B | $19.6B | $20.0B | $20.4B | $21.2B |
| Deposits | $19.7B | $19.5B | $20.7B | $21.7B | $22.4B |
| Shareholders' equity | $3.0B | $3.2B | $3.4B | $3.8B | $4.1B |
| Returns and quality | |||||
| Return on equity | 13.4% | 11.2% | 8.1% | 10.0% | 10.5% |
| Return on tangible equity | 20.6% | 16.7% | 11.6% | 13.5% | 13.7% |
| Efficiency ratio | 54.9% | 51.7% | 53.7% | 53.2% | 50.0% |
Insiders bought, 12 months
$0.0M
1 insider
Insiders sold, 12 months
$0.6M
5 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Ameris Bancorp · ABCB
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $82.69 a share, the company is worth $5.5B: 15.0 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000351569). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.