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ABCB

Ameris Bancorp

ABCB

Ameris Bancorp • NASDAQ
$75.76 ▼ -0.18% (-0.14)
Market Cap $5.20 B
52w High $77.15
52w Low $48.27
Dividend Yield 0.80%
P/E 13.13
Volume 140.06K
Outstanding Shares 68.64M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $422.408M ▲ $145.654M ▼ $106.029M ▼ 25.101% ▼ $1.55 ▼ $146.082M ▼
Q2-2025 $407.995M ▲ $146.706M ▲ $109.834M ▲ 26.92% ▲ $1.6 ▲ $153.138M ▲
Q1-2025 $389.213M ▼ $142.446M ▲ $87.935M ▼ 22.593% ▼ $1.28 ▼ $123.57M ▼
Q4-2024 $405.751M ▼ $142.378M ▼ $94.376M ▼ 23.26% ▼ $1.37 ▼ $137.811M ▲
Q3-2024 $416.339M $143.261M $99.212M 23.83% $1.44 $137.319M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $3.175B ▲ $27.1B ▲ $23.083B ▲ $4.017B ▲
Q2-2025 $2.367B ▼ $26.68B ▲ $22.762B ▲ $3.918B ▲
Q1-2025 $2.512B ▼ $26.515B ▲ $22.691B ▲ $3.824B ▲
Q4-2024 $2.892B ▲ $26.262B ▼ $22.511B ▼ $3.752B ▲
Q3-2024 $2.801B $26.4B $22.718B $3.681B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $106.029M ▼ $104.92M ▲ $-466.187M ▼ $234.161M ▲ $-127.106M ▼ $100.522M ▲
Q2-2025 $109.834M ▲ $61.372M ▼ $-277.11M ▼ $93.608M ▼ $-122.13M ▼ $53.722M ▼
Q1-2025 $87.935M ▼ $116.852M ▼ $-184.851M ▼ $140.022M ▲ $72.023M ▲ $114.165M ▼
Q4-2024 $94.376M ▼ $130.503M ▲ $-46.256M ▼ $-223.026M ▼ $-138.779M ▼ $126.146M ▲
Q3-2024 $99.212M $102.172M $70.023M $-175.233M $-3.038M $99.764M

Revenue by Products

Product Q1-2018Q2-2018Q3-2018Q4-2018
ATM Fees
ATM Fees
 $0 ▲$0 ▲$0 ▲$0 ▲
Debit Card Interchange Fees
Debit Card Interchange Fees
 $0 ▲$0 ▲$0 ▲$10.00M ▲
Other Service Charges On Deposit Accounts
Other Service Charges On Deposit Accounts
 $0 ▲$0 ▲$0 ▲$0 ▲
Other Service Charges Commissions and Fees
Other Service Charges Commissions and Fees
 $0 ▲$0 ▲$0 ▲$0 ▲
Overdraft Fees
Overdraft Fees
 $0 ▲$0 ▲$0 ▲$10.00M ▲
Service Charges On Deposit Accounts
Service Charges On Deposit Accounts
 $10.00M ▲$10.00M ▲$10.00M ▲$10.00M ▲

Five-Year Company Overview

Income Statement

Income Statement Ameris Bancorp’s earnings profile looks generally healthy and improving. Revenue has grown over the last few years, with 2024 showing a clear step up from the prior year. Profitability dipped after the very strong 2021 period but has since recovered, with operating and net income both moving back in the right direction. Earnings per share have been somewhat bumpy year to year, which is normal for a regional bank navigating interest-rate swings and credit cycles, but the latest year suggests management is regaining momentum and controlling costs reasonably well.

Balance Sheet

Balance Sheet The balance sheet appears solid and steadily expanding. Total assets have grown at a measured pace, reflecting ongoing loan and deposit growth across its markets. Shareholders’ equity has also climbed consistently, pointing to retained earnings and a stronger capital base over time. Debt rose earlier in the period but has been brought down meaningfully, which eases funding risk. Cash levels are lower than during the pandemic-era spike but look adequate for a regional bank. Overall, Ameris seems to have a reasonably strong and more conservatively funded balance sheet than it did a few years ago.

Cash Flow

Cash Flow Cash flow has been more volatile than the income statement, which is common in banking because loan and deposit movements can swing reported cash figures. Operating cash flow has ranged from very strong in some years to quite thin in others, but free cash flow has been positive in most periods. Capital spending is modest, suggesting that most cash outlays are related to core banking activity rather than heavy physical investment. The key takeaway is that while the cash profile is uneven, there is no obvious sign of structural strain; instead it reflects the inherently lumpy nature of bank cash flows.

Competitive Edge

Competitive Edge Ameris occupies a solid niche as a Southeastern regional bank with a community-banking feel and a more modern, tech-enabled platform. Its branch network across the Southeast, local market knowledge, and community programs help it attract and keep relatively stable deposits. At the same time, it runs a diversified business mix spanning retail, commercial, mortgage, and specialty finance, which reduces dependence on any single product. The bank still faces tough competition from larger national banks and digital-first players, but its blend of personal service, specialized lending programs, and regional depth gives it a defensible position in its footprint.

Innovation and R&D

Innovation and R&D For a regional bank, Ameris is leaning meaningfully into technology and product innovation. It has upgraded its digital channels with a more integrated mobile and online platform, added voice verification for security, and is using cloud and data-analytics tools to improve decisions and efficiency. Management is exploring artificial intelligence and other emerging technologies to personalize services and streamline operations. On the product side, programs like Ameris Choice and Ameris Dream in mortgages, along with targeted solutions for specific industries in business banking, show a willingness to design tailored offerings rather than rely on plain-vanilla products. The focus is on marrying digital convenience with human advice, which can deepen customer relationships if executed well.

Summary

Ameris Bancorp looks like a steadily growing regional bank that has emerged from recent rate and economic volatility with improving earnings and a stronger capital base. Its balance sheet appears sound, with rising equity and reduced reliance on debt, while cash flows—though choppy—do not signal clear structural issues. Competitively, Ameris benefits from a strong Southeastern footprint, community engagement, and a diversified revenue mix, but still must navigate intense competition, credit risk in its core markets, and ongoing regulatory and technology demands. Its active investment in digital capabilities, data analytics, and differentiated lending programs suggests a management team focused on long-term relevance and efficiency, but the payoff of these efforts will depend on credit discipline and continued execution as the interest-rate and economic backdrop evolves.

NEWS

October 27, 2025 · 4:15 PM UTC

Ameris Bancorp Announces Third Quarter 2025 Financial Results

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October 20, 2025 · 4:15 PM UTC

Ameris Bancorp Announces Increased Stock Repurchase Program

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October 2, 2025 · 4:15 PM UTC

Ameris Bancorp to Announce Third Quarter 2025 Earnings on October 27, 2025

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September 15, 2025 · 4:15 PM UTC

Ameris Bancorp Announces Quarterly Dividend

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