Ameris Bancorp (ABCB) Earnings History
Steady Earner32 years of earnings data (1994–2025) · Positive but moderate multi-year EPS trajectory
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Ameris Bancorp (ABCB) Earnings Overview
As of June 28, 2026, Ameris Bancorp (ABCB) reported trailing twelve-month net income of $435M, reflecting +15.6% year-over-year growth. The company earned $6.41 per diluted share over the past four quarters, with a net profit margin of 24.7%.
Looking at the long-term picture, ABCB's 5-year EPS compound annual growth rate (CAGR) stands at +9.7%, showing solid earnings momentum. The company achieved its highest annual net income of $412M in fiscal 2025, representing a new all-time high.
Ameris Bancorp maintains industry-leading profitability with a gross margin of 68.3%, operating margin of 32.0%, and net margin of 24.7%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including SFNC (-$361M net income, -63.4% margin), HOMB ($478M net income, 34.6% margin), HOPE ($67M net income, 6.0% margin), ABCB has outperformed on profitability metrics. Compare ABCB vs SFNC →
ABCB Earnings vs Peers
Earnings metrics vs comparable public companies
ABCB Historical Earnings Data (1994–2025)
32 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $412M | +14.9% | $534M | $6.00 | 24.7% | 32.0% |
| 2024 | $359M | +33.3% | $476M | $5.19 | 22.0% | 29.1% |
| 2023 | $269M | -22.3% | $357M | $3.89 | 18.1% | 24.0% |
| 2022 | $347M | -8.1% | $453M | $4.99 | 30.4% | 39.7% |
| 2021 | $377M | +43.9% | $496M | $5.40 | 36.3% | 47.8% |
| 2020 | $262M | +62.3% | $340M | $3.77 | 22.8% | 29.7% |
| 2019 | $161M | +33.4% | $212M | $2.75 | 19.7% | 25.8% |
| 2018 | $121M | +64.6% | $151M | $2.80 | 22.9% | 28.7% |
| 2017 | $74M | +2.0% | $124M | $1.98 | 18.6% | 31.4% |
| 2016 | $72M | +76.5% | $105M | $2.08 | 21.3% | 31.1% |
| 2015 | $41M | +5.5% | $57M | $1.27 | 15.8% | 22.0% |
| 2014 | $39M | +93.4% | $56M | $1.46 | 18.1% | 26.3% |
| 2013 | $20M | +38.7% | $29M | $0.75 | 12.7% | 18.6% |
| 2012 | $14M | -31.6% | $22M | $0.46 | 10.0% | 15.0% |
| 2011 | $21M | +628.8% | $32M | $0.76 | 12.6% | 19.0% |
| 2010 | -$4M | +90.5% | -$7M | $-0.35 | -2.9% | -5.1% |
| 2009 | -$42M | -967.1% | -$34M | $-3.19 | -31.1% | -25.7% |
| 2008 | -$4M | -125.8% | -$6M | $-0.31 | -2.6% | -4.0% |
| 2007 | $15M | -31.5% | $22M | $1.08 | 9.3% | 13.7% |
| 2006 | $22M | +61.2% | $33M | $1.63 | 15.4% | 23.2% |
| 2005 | $14M | +4.8% | $21M | $1.11 | 14.8% | 22.4% |
| 2004 | $13M | +9.1% | $20M | $1.08 | 16.9% | 25.5% |
| 2003 | $12M | +16.0% | $18M | $0.99 | 15.2% | 22.7% |
| 2002 | $10M | +7.5% | $15M | $0.85 | 11.9% | 17.7% |
| 2001 | $10M | -4.6% | $14M | $0.84 | 11.4% | 16.9% |
| 2000 | $10M | +12.2% | $14M | $0.96 | 13.1% | 18.7% |
| 1999 | $9M | +30.4% | $13M | $0.83 | 13.3% | 19.6% |
| 1998 | $7M | -6.8% | $10M | $0.64 | 9.9% | 13.8% |
| 1997 | $7M | +2.8% | $11M | $0.69 | 11.1% | 15.8% |
| 1996 | $7M | +12.5% | $10M | $0.68 | 12.6% | 17.5% |
| 1995 | $6M | +106.5% | $9M | $0.64 | 13.9% | 20.0% |
| 1994 | $3M | - | $4M | $0.57 | 12.8% | 17.7% |
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ABCB — Frequently Asked Questions
Quick answers to the most common questions about buying ABCB stock.
What is ABCB earnings per share (EPS)?
ABCB trailing twelve-month (TTM) diluted EPS is $6.41, reflecting +15.6% year-over-year growth. The 5-year EPS CAGR is +9.7%. Complete EPS history from 1994 to 2025 is available in the table on this page.
What is Ameris Bancorp's net income?
Ameris Bancorp (ABCB) trailing twelve-month net income is $435M as of 2025. Earnings grew +15.6% year-over-year. Ameris Bancorp has been profitable for 15 consecutive years.
Is ABCB profitable?
Yes, ABCB is profitable with a TTM net income of $435M and a net profit margin of +24.7%. Ameris Bancorp has generated profits for 15 consecutive years.
What is ABCB's earnings growth rate?
ABCB compound annual EPS growth rates (CAGR): 1-Year: +15.6%, 3-Year: +6.3%, 5-Year: +9.7%, 10-Year: +16.8%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1994 to 2025.
What are ABCB's profit margins?
Ameris Bancorp net profit margin is +24.7%, operating margin is +32.0%, and gross margin is +68.3%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +10.5%.
Is ABCB growing earnings?
Yes, ABCB earnings are accelerating — EPS growth of +15.6% exceeds the 5-year CAGR of +9.7%. TTM net income reached $435M. Earnings momentum is strengthening.
What was ABCB's best earnings year?
Ameris Bancorp's highest annual net income on record is $412M, achieved in fiscal year 2025. Earnings history on this page spans 1994 to 2025 and includes all annual and quarterly figures.
What were ABCB's earnings last quarter?
ABCB's most recent reported quarter was Q1 2026. Net income was $110M with diluted EPS of $1.63. For a full breakdown of all quarters, see the quarterly earnings table on this page.