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$87.59$6.0B
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ABCB logoAmeris Bancorp(ABCB)Earnings, Financials & Key Ratios

ABCB•NASDAQ•Banking & Credit
14.6× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustrySpecialty finance and niche lenders
AboutAmeris Bancorp operates as the bank holding company for Ameris Bank that provides range of banking services to retail and commercial customers primarily in Georgia, Alabama, Florida, North Carolina, and South Carolina. The company operates through five segments: Banking Division, Retail Mortgage Division, Warehouse Lending Division, SBA Division, and Premium Finance Division. It offers commercial and retail checking, regular interest-bearing savings, money market, individual retirement, and certificates of deposit accounts. The company also provides commercial real estate, residential real estate mortgage, agricultural, and commercial and industrial loans; consumer loans, including motor vehicle, home improvement, and home equity loans, as well as loans secured by savings accounts and small unsecured personal credit lines. In addition, it originates, administers, and services commercial insurance premium loans and small business administration loans. The company operates 165 full service domestic banking offices and 35 mortgage and loan production offices. Ameris Bancorp was founded in 1971 and is headquartered in Atlanta, Georgia.Show more
  • Net Interest Income$937M+10.3%
  • Total Revenue$1.67B+2.0%
  • Net Income$412M+14.9%
  • Return on Equity10.53%+5.4%
  • Net Interest Margin3.41%+5.3%
  • Efficiency Ratio36.26%+4.0%
  • ROA1.53%+10.0%
  • Equity / Assets14.81%+3.7%
  • Book Value per Share59.33+9.3%

ABCB Key Insights

Ameris Bancorp (ABCB) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Efficient operations: 36.3% efficiency ratio
  • ✓Well capitalized: 14.8% equity/assets
  • ✓Trading near 52-week high
  • ✓Trading at only 1.5x book value

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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ABCB Price & Volume

Ameris Bancorp (ABCB) stock price & volume — 10-year historical chart

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ABCB Growth Metrics

Ameris Bancorp (ABCB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years20.49%
5 Years7.75%
3 Years13.42%
TTM-

Profit CAGR

10 Years26.01%
5 Years9.49%
3 Years5.95%
TTM14.91%

EPS CAGR

10 Years16.8%
5 Years9.74%
3 Years6.34%
TTM15.16%

Return on Capital

10 Years9.14%
5 Years8.65%
3 Years7%
Last Year3.39%

ABCB Recent Earnings

Ameris Bancorp (ABCB) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 10/12 qtrs (83%)●Beat Revenue 6/12 qtrs (50%)
Q2 2026Latest
Apr 23, 2026
Metric
Actual
Est
EPS
$1.63+5.8%
$1.54
Rev
$314M+1.6%
$309M
Q1 2026
Jan 29, 2026
Metric
Actual
Est
EPS
$1.59+1.9%
$1.56
Rev
$310M-0.2%
$310M
Q4 2025
Oct 27, 2025
Metric
Actual
Est
EPS
$1.53+4.1%
$1.47
Rev
$305M-0.3%
$306M
Q3 2025
Jul 28, 2025
Metric
Actual
Est
EPS
$1.60+18.5%
$1.35
Rev
$301M+1.3%
$297M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 23, 2026
$1.63vs $1.54+5.8%
$314Mvs $309M+1.6%
Q1 2026Jan 29, 2026
$1.59vs $1.56+1.9%
$310Mvs $310M-0.2%
Q4 2025Oct 27, 2025
$1.53vs $1.47+4.1%
$305Mvs $306M-0.3%
Q3 2025Jul 28, 2025
$1.60vs $1.35+18.5%
$301Mvs $297M+1.3%
Based on last 12 quarters of dataView full earnings history →

ABCB Peer Comparison

Ameris Bancorp (ABCB) competitors in Specialty finance and niche lenders — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
SFNC logoSFNCSimmons First National CorporationDirect Competitor3.18B21.90-7.42-56.66%-64.33%-11.48%0.19
HOMB logoHOMBHome Bancshares, Inc.Direct Competitor5.47B27.6511.47-5.35%34.59%11.43%0.22
HOPE logoHOPEHope Bancorp, Inc.Direct Competitor1.64B12.8427.91-3.23%6.05%2.62%0.17
NBTB logoNBTBNBT Bancorp Inc.Direct Competitor2.44B46.6814.0210.36%18.76%9.51%0.17
IBCP logoIBCPIndependent Bank CorporationProduct Competitor706.3M34.3110.49-0.3%22.12%14.2%0.23
FFIN logoFFINFirst Financial Bankshares, Inc.Product Competitor4.7B32.7818.5211.71%30.71%14.16%0.01
BANR logoBANRBanner CorporationProduct Competitor2.2B64.8311.49-0.95%23.84%10.34%0.19
CVBF logoCVBFCVB Financial Corp.Product Competitor2.83B20.8113.69-2.33%32.48%9.25%0.43

Compare ABCB vs Peers

Ameris Bancorp (ABCB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs SFNC

Most directly comparable listed peer for ABCB.

Scale Benchmark

vs ICE

Larger-name benchmark to compare ABCB against a more recognizable public peer.

Peer Set

Compare Top 5

vs SFNC, HOMB, HOPE, NBTB

ABCB Income Statement

Ameris Bancorp (ABCB) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income
260.13M343.39M505.17M637.75M655.33M801.03M835.04M849.19M936.92M
NII Growth %
18.58%32.01%47.11%26.25%2.76%22.23%4.25%1.69%10.33%
Net Interest Margin %
3.31%3%2.77%3.12%2.75%3.2%3.31%3.23%3.41%
Interest Income
294.35M413.33M636.39M726.5M703.11M893.89M1.28B1.38B1.39B
Interest Expense
34.22M69.93M131.23M88.75M47.78M92.86M445.39M529.09M457.6M
Loan Loss Provision
8.36M16.67M19.76M145.38M-35.37M71.7M142.66M58.79M70.24M
Non-Interest Income
100.96M114.4M183.21M420.48M335.52M247.56M207.47M254.61M271.04M
Non-Interest Income %
25.54%21.68%22.35%36.66%32.3%21.69%13.94%15.59%16.27%
Total Revenue
395.31M▲ 0%
527.72M▲ 33.5%
819.61M▲ 55.3%
1.15B▲ 39.9%
1.04B▼ 9.4%
1.14B▲ 9.9%
1.49B▲ 30.4%
1.63B▲ 9.7%
1.67B▲ 2.0%
Revenue Growth %
16.72%33.5%55.31%39.94%-9.45%9.9%30.35%9.75%2%
Non-Interest Expense
228.44M289.63M457.04M572.61M530.11M523.79M542.92M569.15M603.95M
Efficiency Ratio
57.79%54.88%55.76%49.92%51.04%45.89%36.49%34.86%36.26%
Operating Income
124.28M▲ 0%
151.49M▲ 21.9%
211.58M▲ 39.7%
340.24M▲ 60.8%
496.11M▲ 45.8%
453.1M▼ 8.7%
356.94M▼ 21.2%
475.86M▲ 33.3%
533.76M▲ 12.2%
Operating Margin %
31.44%28.71%25.82%29.66%47.77%39.7%23.99%29.14%32.05%
Operating Income Growth %
18.09%21.89%39.67%60.81%45.81%-8.67%-21.22%33.32%12.17%
Pretax Income
124.28M▲ 0%
151.49M▲ 21.9%
211.58M▲ 39.7%
340.24M▲ 60.8%
496.11M▲ 45.8%
453.1M▼ 8.7%
356.94M▼ 21.2%
475.86M▲ 33.3%
533.76M▲ 12.2%
Pretax Margin %
31.44%28.71%25.82%29.66%47.77%39.7%23.99%29.14%32.05%
Income Tax
50.73M30.46M50.14M78.26M119.2M106.56M87.83M117.17M121.61M
Effective Tax Rate %
40.82%20.11%23.7%23%24.03%23.52%24.61%24.62%22.78%
Net Income
73.55M▲ 0%
121.03M▲ 64.6%
161.44M▲ 33.4%
261.99M▲ 62.3%
376.91M▲ 43.9%
346.54M▼ 8.1%
269.11M▼ 22.3%
358.69M▲ 33.3%
412.15M▲ 14.9%
Net Margin %
18.61%22.93%19.7%22.84%36.29%30.36%18.09%21.97%24.75%
Net Income Growth %
2.01%64.56%33.39%62.28%43.87%-8.06%-22.35%33.29%14.91%
Net Income (Continuing)
73.55M121.03M161.44M261.99M376.91M346.54M269.11M358.69M412.15M
EPS (Diluted)
1.98▲ 0%
2.80▲ 41.4%
2.75▼ 1.8%
3.77▲ 37.1%
5.40▲ 43.2%
4.99▼ 7.6%
3.89▼ 22.0%
5.19▲ 33.4%
6.00▲ 15.6%
EPS Growth %
-4.81%41.41%-1.79%37.09%43.24%-7.59%-22.04%33.42%15.61%
EPS (Basic)
2.002.812.763.785.435.013.905.216.02
Diluted Shares Outstanding
37.14M43.25M58.61M69.43M69.76M69.42M69.1M69.1M68.71M

ABCB Balance Sheet

Ameris Bancorp (ABCB) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments
1.14B1.85B2B3.08B4.64B2.62B2.57B2.89B253.81M
Cash & Due from Banks
330.65M655.29M597.68M2.1B4.04B1.12B1.17B1.22B253.81M
Short Term Investments
810.87M1.19B1.4B982.88M592.62M1.5B1.4B1.67B0
Total Investments
7.07B9.8B15.91B16.46B17.68B21.79B21.86B22.83B25.13B
Investments Growth %
14.08%38.61%62.3%3.48%7.42%23.22%0.33%4.45%10.08%
Long-Term Investments
6.26B8.61B14.5B15.48B17.09B20.29B20.46B21.16B25.13B
Accounts Receivables
000000000
Goodwill & Intangibles
139.03M562.12M1.02B999.98M1.14B1.12B1.1B1.09B1.07B
Goodwill
125.53M503.43M931.64M928M1.01B1.02B1.02B1.02B1.02B
Intangible Assets
13.5M58.69M91.59M71.97M125.94M106.19M87.95M70.76M54.82M
PP&E (Net)
117.74M145.41M233.1M222.89M225.4M220.28M216.44M209.46M213.1M
Other Assets
169.32M244.29M479.07M624.66M768.38M805.46M856.58M913.15M723.12M
Total Current Assets
1.14B1.85B2B3.08B4.64B2.62B2.57B2.89B333.81M
Total Non-Current Assets
6.71B9.6B16.24B17.36B19.22B22.44B22.63B23.37B27.18B
Total Assets
7.86B▲ 0%
11.44B▲ 45.7%
18.24B▲ 59.4%
20.44B▲ 12.0%
23.86B▲ 16.7%
25.05B▲ 5.0%
25.2B▲ 0.6%
26.26B▲ 4.2%
27.52B▲ 4.8%
Asset Growth %
13.99%45.66%59.41%12.04%16.73%5.01%0.6%4.2%4.77%
Return on Assets (ROA)
1%1.25%1.09%1.35%1.7%1.42%1.07%1.39%1.53%
Accounts Payable
000000000
Total Debt
366.74M261.35M1.55B561.14M872.05M2B639.9M424.1M743.02M
Net Debt
36.09M-393.95M949.22M-1.54B-3.17B885.93M-527.4M-796.28M489.21M
Long-Term Debt
336.1M170.96M1.53B549.5M866.21M2B639.9M424.1M167.43M
Short-Term Debt
30.64M90.38M20.64M11.64M5.84M000535.25M
Other Liabilities
59.14M76.51M199.02M272.59M354.26M389.09M428.54M363.98M22.7B
Total Current Liabilities
6.66B9.74B14.05B16.97B19.67B19.46B20.71B21.72B535.25M
Total Non-Current Liabilities
395.24M247.47M1.73B822.09M1.22B2.39B1.07B788.08M22.9B
Total Liabilities
7.05B9.99B15.77B17.79B20.89B21.86B21.78B22.51B23.44B
Total Equity
804.48M▲ 0%
1.46B▲ 81.0%
2.47B▲ 69.6%
2.65B▲ 7.2%
2.97B▲ 12.1%
3.2B▲ 7.8%
3.43B▲ 7.2%
3.75B▲ 9.5%
4.08B▲ 8.6%
Equity Growth %
24.45%81.03%69.57%7.19%12.06%7.79%7.17%9.48%8.65%
Equity / Assets (Capital Ratio)
10.24%12.73%13.54%12.95%12.43%12.76%13.6%14.28%14.81%
Return on Equity (ROE)
10.14%10.71%8.22%10.24%13.43%11.24%8.13%9.99%10.53%
Book Value per Share
21.6633.6742.1338.1342.5246.0649.5954.2959.33
Tangible BV per Share
17.9220.6824.6823.7226.2029.9033.6238.5743.75
Common Stock
38.73M49.02M71.5M71.75M72.02M72.26M72.52M72.7M72.9M
Additional Paid-in Capital
508.4M1.05B1.91B1.91B1.92B1.94B1.95B1.96B1.97B
Retained Earnings
273.12M377.13M507.95M671.51M1.01B1.31B1.54B1.85B2.21B
Accumulated OCI
-1.28M-4.83M18M33.51M15.59M-46.51M-35.94M-30.12M8.31M
Treasury Stock
-14.5M-16.56M-34.97M-42.97M-52.41M-74.83M-95.17M-103.13M-186.7M
Preferred Stock
000000000

ABCB Cash Flow Statement

Ameris Bancorp (ABCB) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations
-62.56M-108.8M-940.21M798.4M9.14M1.06B568.96M154.19M390.18M
Operating CF Growth %
10.33%-73.91%-764.14%184.92%-98.86%11524.43%-46.45%-72.9%153.05%
Net Income
73.55M121.03M161.44M261.99M376.91M346.54M269.11M358.69M412.15M
Depreciation & Amortization
13.13M19.53M41.1M55.11M47.93M53.63M45.93M46.73M38.44M
Deferred Taxes
12.43M1.37M22.82M-7.93M38.41M-35.68M-20.47M-20.08M-10.55M
Other Non-Cash Items
-174.85M-245.03M-1.2B627.77M-482.09M712.3M231.5M-224.71M-31.4M
Working Capital Changes
9.87M-11.95M28.8M-142.35M20.03M-21.03M32.94M-19.87M-31.14M
Cash from Investing
-666.91M-53.31M-487.09M-1.2B-420.98M-4.87B-338.19M-846.68M-1.3B
Purchase of Investments
-113.26M-290.65M-264.29M0-99.25M-1.29B-39.09M-719.47M-1.08B
Sale/Maturity of Investments
129.3M254.63M331.17M472.43M365.37M189.21M187.42M454.51M543.84M
Net Investment Activity
16.04M-36.01M66.88M472.43M266.12M-1.1B148.33M-264.96M-535.11M
Acquisitions
051.49M244.18M-2.42M-126.66M-14M000
Other Investing
-679.19M-58.79M-786.57M-1.65B-534.99M-3.74B-468.99M-568.24M-747.15M
Cash from Financing
861.74M510.99M1.37B1.9B2.36B865.53M-181.59M745.56M781.16M
Dividends Paid
-14.65M-16.41M-24.68M-41.69M-41.8M-41.61M-41.65M-41.46M-55.25M
Share Repurchases
-886K-2.06M-18.41M-8M-9.44M-22.42M-20.35M-7.95M-82.89M
Stock Issued
88.66M00000000
Net Stock Activity
87.77M-2.06M-18.41M-8M-9.44M-22.42M-20.35M-7.95M-82.89M
Debt Issuance (Net)
-1000K-1000K1000K-1000K-1000K1000K-1000K-1000K1000K
Other Financing
1.03B843.71M317.48M2.93B2.71B-205.86M1.25B1.01B653.55M
Net Change in Cash
132.27M▲ 0%
348.87M▲ 163.7%
-57.68M▼ 116.5%
1.5B▲ 2692.8%
1.95B▲ 30.2%
-2.95B▼ 251.3%
49.17M▲ 101.7%
53.07M▲ 7.9%
-131.46M▼ 347.7%
Exchange Rate Effect
000000000
Cash at Beginning
198.38M330.66M679.53M621.85M2.12B4.06B1.12B1.17B1.22B
Cash at End
330.66M679.53M621.85M2.12B4.06B1.12B1.17B1.22B1.09B
Interest Paid
32.47M67.52M125.37M94.79M48.96M86.64M418.44M540.27M461.94M
Income Taxes Paid
38.94M20.03M35.87M98.61M71.81M133.89M101.33M102.51M0
Free Cash Flow
-66.32M▲ 0%
-118.81M▼ 79.1%
-951.79M▼ 701.1%
780.28M▲ 182.0%
-16.31M▼ 102.1%
1.05B▲ 6531.8%
551.43M▼ 47.4%
140.72M▼ 74.5%
369.64M▲ 162.7%
FCF Growth %
17.86%-79.14%-701.09%181.98%-102.09%6531.84%-47.43%-74.48%162.69%

ABCB Banking Ratios

Ameris Bancorp (ABCB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)
12.42%10.14%10.71%8.22%10.24%13.43%11.24%8.13%9.99%10.53%
Return on Assets (ROA)
1.16%1%1.25%1.09%1.35%1.7%1.42%1.07%1.39%1.53%
Net Interest Margin
3.18%3.31%3%2.77%3.12%2.75%3.2%3.31%3.23%3.41%
Efficiency Ratio
61.9%57.79%54.88%55.76%49.92%51.04%45.89%36.49%34.86%36.26%
Equity / Assets
9.38%10.24%12.73%13.54%12.95%12.43%12.76%13.6%14.28%14.81%
Book Value / Share
18.6321.6633.6742.1338.1342.5246.0649.5954.2959.33
NII Growth
24.97%18.58%32.01%47.11%26.25%2.76%22.23%4.25%1.69%10.33%
Dividend Payout
11.91%19.92%13.55%15.28%15.91%11.09%12.01%15.48%11.56%13.41%
Related:ABCB Dividend History·ABCB Revenue History·ABCB Price History·ABCB P/E History·ABCB Financial Ratios·ABCB Institutional Holders

ABCB SEC Filings & Documents

Ameris Bancorp (ABCB) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 23, 2026·SEC

Material company update

Feb 24, 2026·SEC

Material company update

Jan 29, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 26, 2026·SEC

FY 2025

Feb 28, 2025·SEC

FY 2024

Feb 28, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 8, 2025·SEC

FY 2025

May 9, 2025·SEC

ABCB Frequently Asked Questions

Ameris Bancorp (ABCB) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Ameris Bancorp (ABCB) grew revenue by 2.0% over the past year. Growth has been modest.

Yes, Ameris Bancorp (ABCB) is profitable, generating $412.2M in net income for fiscal year 2025 (24.7% net margin).

Dividend & Returns

Yes, Ameris Bancorp (ABCB) pays a dividend with a yield of 0.92%. This makes it attractive for income-focused investors.

Ameris Bancorp (ABCB) has a return on equity (ROE) of 10.5%. This is reasonable for most industries.

Industry Metrics

Ameris Bancorp (ABCB) has a net interest margin (NIM) of 3.4%. This indicates healthy earnings from lending activities.

Ameris Bancorp (ABCB) has an efficiency ratio of 36.3%. This is excellent, indicating strong cost control.

What if you invested $1,000 in ABCB back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

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How much would $100/month in ABCB be worth today?

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