Ameris Bancorp (ABCB) Income Statement

30Y historyFree accessUpdated daily

Net interest income compounded from $211.9M to $257.7M over the period, but earnings quality is clouded by provisions swinging between zero and $22.9M per quarter, which warrants further investigation before extrapolating the 2026Q3 EPS of $1.73.

Annual statement

ABCB Income Statement

Ameris Bancorp (ABCB) annual income statement — 30-year revenue, gross profit & net income history

Annual Quarterly

Metric	TTM	Dec'25	Dec'24	Dec'23	Dec'22	Dec'21	Dec'20	Dec'19	Dec'18	Dec'17	Dec'16	Dec'15	Dec'14	Dec'13	Dec'12	Dec'11	Dec'10	Dec'09	Dec'08	Dec'07	Dec'06	Dec'05	Dec'04	Dec'03	Dec'02	Dec'01	Dec'00	Dec'99	Dec'98	Dec'97	Dec'96

Net Interest Income	999.9M	936.92M	849.19M	835.04M	801.03M	655.33M	637.75M	505.17M	343.39M	260.13M	219.37M	175.54M	149.89M	116.19M	114.41M	113.52M	89.28M	74.02M	72.67M	75.08M	69.96M	52.6M	44.99M	42.34M	43.2M	38.01M	38.17M	35.4M	33.8M	32.7M	28.3M
NII Growth %	37.98%	10.33%	1.69%	4.25%	22.23%	2.76%	26.25%	47.11%	32.01%	18.58%	24.97%	17.11%	29.01%	1.56%	0.78%	27.16%	20.61%	1.87%	-3.21%	7.31%	32.99%	16.93%	6.26%	-2%	13.67%	-0.42%	7.83%	4.73%	3.36%	15.55%	19.92%
Net Interest Margin %	3.5%	3.41%	3.23%	3.31%	3.2%	2.75%	3.12%	2.77%	3%	3.31%	3.18%	3.14%	3.71%	3.17%	3.79%	3.79%	3%	3.05%	3.02%	3.55%	3.42%	3.1%	3.55%	3.62%	3.62%	3.23%	4.62%	4.48%	4.66%	4.73%	4.2%
Interest Income	1.45B	1.39B	1.38B	1.28B	893.89M	703.11M	726.5M	636.39M	413.33M	294.35M	239.06M	190.39M	164.57M	126.32M	129.48M	141.07M	119.07M	114.57M	129.01M	146.08M	124.11M	79.54M	64.36M	64.48M	71.35M	72.91M	68.98M	60M	60.2M	58.7M	50.6M
Interest Expense	450.05M	457.6M	529.09M	445.39M	92.86M	47.78M	88.75M	131.23M	69.93M	34.22M	19.69M	14.86M	14.68M	10.14M	15.07M	27.55M	29.79M	40.55M	56.34M	71M	54.15M	26.93M	19.38M	22.14M	28.14M	34.9M	30.8M	24.6M	26.4M	26M	22.3M
Loan Loss Provision	52.78M	70.24M	58.79M	142.66M	71.7M	-35.37M	145.38M	19.76M	16.67M	8.36M	4.09M	5.26M	5.65M	11.49M	31.09M	32.73M	50.52M	42.07M	35.03M	11.32M	2.84M	1.65M	1.79M	3.94M	5.57M	4.57M	1.71M	2.2M	5.5M	2.7M	1.9M
Non-Interest Income	255.16M	271.04M	254.61M	207.47M	247.56M	335.52M	420.48M	183.21M	114.4M	100.96M	99.63M	67.88M	49.33M	31.06M	15.42M	25.94M	20.6M	19.79M	19.15M	17.59M	19.26M	13.53M	13.02M	14.72M	15.61M	11.72M	8.21M	7.9M	9.4M	7.7M	6.5M
Non-Interest Income %	20.33%	22.44%	23.07%	19.9%	23.61%	33.86%	39.73%	26.62%	24.99%	27.96%	31.23%	27.89%	24.76%	21.1%	11.88%	18.6%	18.75%	21.09%	20.86%	18.98%	21.59%	20.46%	22.45%	25.8%	26.54%	23.58%	17.71%	18.24%	21.76%	19.06%	18.68%
Total Net Revenue	1.26B	1.21B	1.1B	1.04B	1.05B	990.85M	1.06B	688.38M	457.79M	361.09M	319M	243.42M	199.22M	147.25M	129.83M	139.46M	109.87M	93.81M	91.81M	92.67M	89.22M	66.14M	58.01M	57.06M	58.81M	49.73M	46.39M	43.3M	43.2M	40.4M	34.8M
Revenue Growth %	8.57%	9.44%	5.88%	-0.58%	5.83%	-6.37%	53.73%	50.37%	26.78%	13.19%	31.05%	22.19%	35.29%	13.42%	-6.91%	26.93%	17.12%	2.17%	-0.92%	3.86%	34.91%	14%	1.68%	-2.99%	18.26%	7.22%	7.13%	0.23%	6.93%	16.09%	22.11%
Non-Interest Expense	703.9M	603.95M	569.15M	542.92M	523.79M	530.11M	572.61M	457.04M	289.63M	228.44M	209.66M	181.41M	137.36M	106.46M	77.02M	75.09M	66.54M	86.23M	62.75M	58.9M	53.13M	43.61M	36.51M	35.15M	37.81M	30.84M	30.23M	27.8M	28.1M	27.2M	22.9M
Efficiency Ratio	56.08%	50%	51.56%	52.08%	49.95%	53.5%	54.11%	66.39%	63.27%	63.27%	65.73%	74.53%	68.95%	72.3%	59.32%	53.84%	60.56%	91.92%	68.35%	63.55%	59.55%	65.94%	62.93%	61.6%	64.28%	62.02%	65.18%	64.2%	65.05%	67.33%	65.8%
Operating Income	498.39M	533.76M	475.86M	356.94M	453.1M	496.11M	340.24M	211.58M	151.49M	124.28M	105.25M	56.74M	56.2M	29.3M	21.72M	31.65M	-7.18M	-34.49M	-5.97M	22.45M	33.26M	20.88M	19.72M	17.96M	15.43M	14.32M	14.44M	13.3M	9.6M	10.5M	10M
Operating Margin %	39.71%	44.19%	43.11%	34.24%	43.21%	50.07%	32.15%	30.74%	33.09%	34.42%	32.99%	23.31%	28.21%	19.9%	16.73%	22.69%	-6.54%	-36.77%	-6.5%	24.23%	37.27%	31.57%	34%	31.48%	26.24%	28.8%	31.13%	30.72%	22.22%	25.99%	28.74%
Operating Income Growth %	-	12.17%	33.32%	-21.22%	-8.67%	45.81%	60.81%	39.67%	21.89%	18.09%	85.48%	0.96%	91.81%	34.91%	-31.37%	540.55%	79.17%	-477.85%	-126.58%	-32.49%	59.3%	5.86%	9.79%	16.41%	7.73%	-0.8%	8.58%	38.54%	-8.57%	5%	8.7%
Pretax Income	498.39M	533.76M	475.86M	356.94M	453.1M	496.11M	340.24M	211.58M	151.49M	124.28M	105.25M	56.74M	56.2M	29.3M	21.72M	31.65M	-7.18M	-34.49M	-5.97M	22.45M	33.26M	20.88M	19.72M	17.96M	15.43M	14.32M	14.44M	13.3M	9.6M	10.5M	10M
Pretax Margin %	39.71%	44.19%	43.11%	34.24%	43.21%	50.07%	32.15%	30.74%	33.09%	34.42%	32.99%	23.31%	28.21%	19.9%	16.73%	22.69%	-6.54%	-36.77%	-6.5%	24.23%	37.27%	31.57%	34%	31.48%	26.24%	28.8%	31.13%	30.72%	22.22%	25.99%	28.74%
Income Tax	112M	121.61M	117.17M	87.83M	106.56M	119.2M	78.26M	50.14M	30.46M	50.73M	33.15M	15.9M	17.48M	9.29M	7.29M	10.56M	-3.19M	7.3M	-2.05M	7.3M	11.13M	7.15M	6.62M	5.95M	5.08M	4.69M	4.34M	4.3M	2.7M	3.1M	2.8M
Effective Tax Rate %	22.47%	22.78%	24.62%	24.61%	23.52%	24.03%	23%	23.7%	20.11%	40.82%	31.49%	28.02%	31.1%	31.69%	33.54%	33.35%	44.47%	-21.15%	34.39%	32.51%	33.46%	34.24%	33.57%	33.14%	32.9%	32.75%	30.07%	32.33%	28.13%	29.52%	28%
Net Income	386.39M	412.15M	358.69M	269.11M	346.54M	376.91M	261.99M	161.44M	121.03M	73.55M	72.1M	40.85M	38.72M	20.02M	14.44M	21.09M	-3.99M	-41.79M	-3.92M	15.15M	22.13M	13.73M	13.1M	12.01M	10.36M	9.63M	10.1M	9M	6.9M	7.4M	7.2M
Net Margin %	30.79%	34.12%	32.5%	25.81%	33.05%	38.04%	24.76%	23.45%	26.44%	20.37%	22.6%	16.78%	19.44%	13.59%	11.12%	15.12%	-3.63%	-44.55%	-4.27%	16.35%	24.8%	20.76%	22.58%	21.05%	17.61%	19.37%	21.77%	20.79%	15.97%	18.32%	20.69%
Net Income Growth %	-2.96%	14.91%	33.29%	-22.35%	-8.06%	43.87%	62.28%	33.39%	64.56%	2.01%	76.51%	5.49%	93.44%	38.68%	-31.56%	628.78%	90.45%	-967.13%	-125.84%	-31.52%	61.19%	4.79%	9.08%	15.98%	7.5%	-4.6%	12.2%	30.43%	-6.76%	2.78%	12.5%
Net Income (Continuing)	386.39M	412.15M	358.69M	269.11M	346.54M	376.91M	261.99M	161.44M	121.03M	73.55M	72.1M	40.85M	38.72M	20.02M	14.44M	21.09M	-3.99M	-41.79M	-3.92M	15.15M	22.13M	13.73M	13.1M	12.01M	10.36M	9.63M	10.1M	9M	6.9M	7.4M	7.2M
EPS (Diluted)	5.76	6.00	5.19	3.89	4.99	5.40	3.77	2.75	2.80	1.98	2.08	1.27	1.46	0.75	0.46	0.76	-0.35	-3.19	-0.31	1.08	1.63	1.11	1.08	0.99	0.85	0.84	0.96	0.83	0.64	0.69	0.68
EPS Growth %	-1.04%	15.61%	33.42%	-22.04%	-7.59%	43.24%	37.09%	-1.79%	41.41%	-4.81%	63.78%	-13.01%	94.67%	63.04%	-39.47%	317.14%	89.03%	-929.03%	-128.7%	-33.74%	46.85%	2.78%	9.09%	16.47%	1.19%	-12.5%	15.66%	29.69%	-7.25%	1.47%	6.25%
EPS (Basic)	-	6.02	5.21	3.90	5.01	5.43	3.78	2.76	2.81	2.00	2.10	1.29	1.48	0.76	0.46	0.76	-0.35	-3.19	-0.31	1.09	1.66	1.12	1.09	1.00	0.85	0.85	0.96	0.83	0.64	0.70	0.68
Diluted Shares Outstanding	67.02M	68.71M	69.1M	69.1M	69.42M	69.76M	69.43M	58.61M	43.25M	37.14M	34.7M	32.13M	26.26M	24.35M	23.84M	23.54M	20.5M	13.91M	13.89M	14.01M	13.54M	12.38M	12.13M	12.11M	12.17M	11.43M	10.47M	10.78M	10.78M	10.74M	10.58M

Key Metrics

Growth RegimeExpanding

ProfitabilityStable

Balance SheetHealthy

Cash FlowStable

Top Statement Risk

Credit cost volatility and rate sensitivity

Verified Source

Metrics are mathematically derived from official filings.

SEC 10-K (2026Q3)

Net Interest Income Compounding Through Cycle

According to recent SEC filings, Ameris Bancorp's net interest income rose from $211.9M in 2024Q2 to $257.7M in 2026Q3, with year-over-year growth of roughly 8 to 11 percent in recent quarters, suggesting loan volume and repricing are carrying earnings.

The steady expansion in NII across the ten-quarter window suggests the loan book has grown faster than funding costs have risen, which is consistent with an asset-sensitive balance sheet. Recent quarterly growth of 8.3 to 10.6 percent appears to be easing from the 2025 peak, which may indicate deposit betas are catching up to earlier rate increases. Investors should monitor whether NII growth can be sustained without further rate-driven yield expansion.

Net Interest Margin Holding Near Ninety Basis Points

As reported in financial statements, Ameris Bancorp's net interest margin has held around 0.8 to 0.9 percent across the period, with the latest quarter at 0.9 percent, suggesting funding cost pressure has been largely absorbed rather than passed through to margins.

A margin that has remained broadly flat while NII grew points to balance-sheet expansion offsetting any compression in spreads. The narrow band suggests the deposit franchise has been relatively resilient, though the flat trajectory leaves limited room for further margin upside. Analysts should watch whether the rural deposit base continues to lag market rate increases.

Efficiency Ratio Swings Obscure Underlying Trend

Based on Ameris Bancorp's reported figures, the efficiency ratio ranged from roughly 46 to 74 percent across recent quarters, with the 2026Q2 spike to 73.9 percent driven by a sharp drop in operating income, indicating high sensitivity of profitability to a few line items.

The wide dispersion in efficiency ratio appears more reflective of lumpy non-interest income and provisioning than of structural cost growth, since non-interest expense has been comparatively stable. Operating leverage looks favorable in quarters where revenue holds, but the 2026Q2 result suggests the cost base offers limited cushion when fee income softens. Investors may want to examine what drove the operating income decline before extrapolating the trend.

Provisioning Volatility Tests Earnings Consistency

According to recent SEC filings, Ameris Bancorp's provision expense moved from zero in 2026Q1 to $22.9M in 2025Q4 and $17.3M in 2026Q2, suggesting credit cost recognition is lumpy relative to the stable NII base.

The sharp swings in provisioning, including a zero charge followed by materially higher charges within two quarters, may reflect CECL methodology sensitivity to macro forecasts rather than realized losses alone. Such volatility can distort the appearance of underlying earnings power and warrants further investigation into the composition of reserve builds. Investors should monitor whether elevated provisions persist as commercial real estate exposure normalizes.

Fee Income Share Narrowing Through the Period

As reported in financial statements, Ameris Bancorp's non-interest income fell from roughly 26.9 percent of revenue in 2024Q2 to about 18.1 percent in 2026Q3, indicating a shift toward a more NII-dependent earnings mix.

The declining fee share suggests softening mortgage and gain-on-sale activity, consistent with the rate-sensitive nature of the segment profile. A more NII-dependent mix may reduce earnings volatility from transactional sources but concentrates earnings risk in rate and credit cycles. Investors should monitor whether premium finance and SBA fee streams can offset mortgage weakness.

Earnings Quality Depends on Provision Normalization

Based on Ameris Bancorp's reported figures, the 2026Q3 EPS of $1.73 benefited from a $12.6M provision after $17.3M in 2026Q2 and zero in 2026Q1, so the strongest quarter may reflect reserve timing rather than durable earnings power.

If provisions revert toward the $17 to $23 million range seen in several recent quarters, quarterly net income could compress meaningfully despite stable NII, which may challenge the constructive read on earnings momentum. The 10.5 percent ROE and a 0.9 percent NIM leave limited cushion against that scenario. Investors should monitor whether the recent EPS beat holds once credit costs normalize.

ABCB — Frequently Asked Questions

Quick answers to the most common questions about buying ABCB stock.

What was Ameris Bancorp's (ABCB) revenue in 2025?

For fiscal year 2025, Ameris Bancorp (ABCB) reported total revenue of $1.21B. This represents a 3371.1% increase compared to $34.8M in 1996.

Is Ameris Bancorp (ABCB) profitable?

Ameris Bancorp (ABCB) is profitable, generating $412.2M in net income for the fiscal year ending 2025 with a net profit margin of 34.1%.

What is Ameris Bancorp's operating profit margin?

Ameris Bancorp (ABCB) reported an operating income of $533.8M, resulting in an operating profit margin of 44.2%. This margin reflects the operational efficiency of the business before interest and taxes.

What is Ameris Bancorp's gross profit and gross margin?

Ameris Bancorp (ABCB) generated $1.14B in gross profit for the year, representing a gross profit margin of 94.2%. This demonstrates the company's core pricing power and production efficiency.