Ameris Bancorp ABCB

Financials SIC 6022 - State Commercial Banks NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Commercial Banking derived NYSE

We are a financial holding company whose business is conducted primarily through our wholly owned banking subsidiary, Ameris Bank (the "Bank"), which provides a full range of banking services to its retail and commercial customers who are primarily concentrated in select markets in Georgia, Alabama, Florida, North Carolina and South Carolina. The Company's executive office is located at 3490 Piedmont Road N.E., Suite 1550, Atlanta, Georgia 30305, our telephone number is (404) 639-6500 and our internet address is www.amerisbank.com. We operate 163 full-service domestic banking offices. We do not operate in any foreign countries. At December 31, 2025, we had approximately $27.52 billion in total assets, $22.14 billion in total loans, $22.38 billion in total deposits and $4.08 billion of shareholders' equity. Our deposits are insured, up to applicable limits, by the Federal Deposit Insurance Corporation (the "FDIC").

Last close 82.63 2026-10-23
Market cap $5.55B 2026-06-30 share count
52-week range 69.58 - 93.22

Valuation FY2025 figures against the last close

P/S4.0x
P/E13.8x
P/FCF15.0x
EV/EBITDA—
Dividend yield1.0%
Diluted EPS6.00

Where the revenue comes from as reported in the latest 10-K

Revenue by segment

  • Banking Division
  • Retail Mortgage Division
  • Premium Finance Division
  • Warehouse Lending Division
Revenue by segment, 4 categories over 3 years. The same figures are in the table below. FY2025 Banking Division, FY2025: 968.6M (69.5%) 69% Banking Division Retail Mortgage Division, FY2025: 238.8M (17.1%) 17% Retail Mortgage Division Premium Finance Division, FY2025: 116.4M (8.3%) 8% Warehouse Lending Division, FY2025: 70.7M (5.1%) 5% FY2024 Banking Division, FY2024: 962.9M (69.9%) 70% Retail Mortgage Division, FY2024: 236.7M (17.2%) 17% Premium Finance Division, FY2024: 103.4M (7.5%) 8% Warehouse Lending Division, FY2024: 75.3M (5.5%) 5% FY2023 Banking Division, FY2023: 913.4M (71.3%) 71% Retail Mortgage Division, FY2023: 212.1M (16.6%) 17% Premium Finance Division, FY2023: 83.8M (6.5%) 7% Warehouse Lending Division, FY2023: 71.1M (5.6%) 6%
Segment FY2025FY2024FY2023
Banking Division $968.6M $962.9M $913.4M
Retail Mortgage Division $238.8M $236.7M $212.1M
Premium Finance Division $116.4M $103.4M $83.8M
Warehouse Lending Division $70.7M $75.3M $71.1M

As the company reported it, from the “SEGMENT REPORTING - Schedule of Segment Reporting, by Reportable Business Segments (Details)” note of its latest 10-K. Every figure here has been checked against the total revenue the same filing reported. Segments are the filer's own reporting structure, which is a decision about how it runs itself rather than a standard taxonomy: two companies in the same industry routinely divide themselves along different lines, so these are worth reading down a single company rather than across two. Slices under 1% are folded into “Other”.

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $1.39B$1.38B$1.28B$893.9M$703.1M$726.5M$636.4M$413.3M$294.3M$239.1M
Interest expense $936.9M$849.2M$835.0M$801.0M$47.8M$88.8M$131.2M$69.9M$34.2M$19.7M
Pre-tax income $533.8M$475.9M$356.9M$453.1M$496.1M$340.2M$211.6M$151.5M$124.3M$105.2M
Income tax $121.6M$117.2M$87.8M$106.6M$119.2M$78.3M$50.1M$30.5M$50.7M$33.1M
Net income $412.2M$358.7M$269.1M$346.5M$376.9M$262.0M$161.4M$121.0M$73.5M$72.1M
EPS, basic 6.025.213.905.015.433.782.762.812.002.10
EPS, diluted 6.005.193.894.995.403.772.752.801.982.08
Shares, diluted (wtd. avg.) 68.7M69.1M69.1M69.4M69.8M69.4M58.6M43.2M37.1M34.7M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $1.09B$1.22B$1.17B$1.12B$4.06B$2.12B$621.8M$679.5M$330.7M$198.4M
Property, plant and equipment $213.1M$209.5M$216.4M$220.3M$225.4M$222.9M$233.1M$145.4M$117.7M$121.2M
Goodwill $1.02B$1.02B$1.02B$1.02B$1.01B$928.0M$931.6M$503.4M$125.5M$125.5M
Other intangibles $54.8M$70.8M$87.9M$106.2M$125.9M$72.0M$91.6M$58.7M$13.5M$17.4M
Total assets $27.52B$26.26B$25.20B$25.05B$23.86B$20.44B$18.24B$11.44B$7.86B$6.89B
Total liabilities $23.44B$22.51B$21.78B$21.86B$20.89B$17.79B$15.77B$9.99B$7.05B$6.25B
Retained earnings $2.21B$1.85B$1.54B$1.31B$1.01B$671.5M$507.9M$377.1M$273.1M$214.5M
Total equity $4.08B$3.75B$3.43B$3.20B$2.97B$2.65B$2.47B$1.46B$804.5M$646.4M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $390.2M$154.2M$569.0M$1.06B$9.1M$798.4M-$940.2M-$108.8M-$62.6M-$69.8M
Depreciation and amortisation $29.7M$36.8M$34.6M$41.0M$17.2M$15.8M$13.1M$10.0M$9.2M$9.5M
Stock-based compensation $12.7M$13.4M$9.9M$6.7M$7.9M$3.8M$3.4M$6.2M$3.3M$2.3M
Capital expenditure $20.5M$13.5M$17.5M$13.6M$25.4M$18.1M$11.6M$10.0M$3.8M$11.0M
Investing cash flow -$1.30B-$846.7M-$338.2M-$4.87B-$421.0M-$1.20B-$487.1M-$53.3M-$666.9M-$802.9M
Financing cash flow $781.2M$745.6M-$181.6M$865.5M$2.36B$1.90B$1.37B$511.0M$861.7M$680.5M
Dividends paid $55.3M$41.5M$41.6M$41.6M$41.8M$41.7M$24.7M$16.4M$14.7M$8.6M
Buybacks $83.6M$8.0M$20.3M$22.4M$9.4M$8.0M$18.4M$2.1M$886.0K—

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001140361-26-013509.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 500M 1B 1.5B Revenue, FY2016: 239.1M Net income, FY2016: 72.1M Revenue, FY2017: 294.3M Net income, FY2017: 73.5M Revenue, FY2018: 413.3M Net income, FY2018: 121M Revenue, FY2019: 636.4M Net income, FY2019: 161.4M Revenue, FY2020: 726.5M Net income, FY2020: 262M Revenue, FY2021: 703.1M Net income, FY2021: 376.9M Revenue, FY2022: 893.9M Net income, FY2022: 346.5M Revenue, FY2023: 1.3B Net income, FY2023: 269.1M Revenue, FY2024: 1.4B Net income, FY2024: 358.7M Revenue, FY2025: 1.4B Net income, FY2025: 412.2M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $239.1M $294.3M $413.3M $636.4M $726.5M $703.1M $893.9M $1.28B $1.38B $1.39B
Gross profit — — — — — — — — — —
Net income $72.1M $73.5M $121.0M $161.4M $262.0M $376.9M $346.5M $269.1M $358.7M $412.2M

Recent filings and events

  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Charter or fiscal year changed A change to the company's governing documents, or to when its year ends. Item 5.03
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Results announced Item 2.02
  • Regulation FD disclosure Item 7.01
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Results announced Item 2.02
  • Regulation FD disclosure Item 7.01
  • Results announced Item 2.02

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

Others in SIC 6022

TickerCompanyMarket capP/ERevenue growth
BNY Bank of New York Mellon Corp $98.57B 19.6x 7.8%
FITB FIFTH THIRD BANCORP $48.05B 15.0x -5.0%
STT STATE STREET CORP $46.10B 17.9x 7.3%
MTB M&T BANK CORP $32.01B 13.0x 7.5%
NTRS NORTHERN TRUST CORP $30.72B 19.2x 6.1%
CFG CITIZENS FINANCIAL GROUP INC/RI $27.44B 16.9x 6.7%
FCNCA FIRST CITIZENS BANCSHARES INC /DE/ $27.41B 14.4x -2.2%
EWBC EAST WEST BANCORP INC $17.97B 13.8x 2.4%