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Financials · ABCB

Ameris Bancorp (ABCB) financials

For the twelve months ended Sep 30, 2026, Ameris Bancorp reported $1.27B of revenue and $386.39M of net income.

Revenue, TTM
$1.27B
Revenue growth, YoY
+6.5%
Net income, TTM
$386.39M
Net income growth, YoY
-3.0%
Net margin
30.4%
Free cash flow, TTM
$635.22M
EPS, diluted, TTM
$5.72
EPS growth, YoY
-0.7%
Cash
$1.14B
P/E
14.21
P/S
4.32
Market cap
$5.49B
Annual revenue$1.21B
FY2016FY2025
Annual net income$412.15M
FY2016FY2025
Annual free cash flow$369.64M
FY2016FY2025

ABCB revenue and earnings growth

ABCB revenueQ3 2026$321.85M

Quarter YoY
+2.4%
QoQ
-1.3%
FY YoY
+5.7%
5Y CAGR
+2.2%
10Y CAGR
+16.6%

ABCB revenue was $321.85M in fiscal Q3 2026 (ended Sep 30, 2026), up 2.4% from a year earlier and down 1.3% from the prior quarter. For the full fiscal 2025 it was $1.21B, up 5.7% from fiscal 2024. Compound annual growth was +2.2% over 5 years and +16.6% over 10 years. It rose in 8 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

ABCB net incomeQ3 2026$116.09M

Quarter YoY
+9.5%
QoQ
+125.7%
FY YoY
+14.9%
5Y CAGR
+9.5%
10Y CAGR
+26.0%

ABCB net income was $116.09M in fiscal Q3 2026 (ended Sep 30, 2026), up 9.5% from a year earlier and up 125.7% from the prior quarter. For the full fiscal 2025 it was $412.15M, up 14.9% from fiscal 2024. Compound annual growth was +9.5% over 5 years and +26.0% over 10 years. It rose in 8 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

ABCB EPSQ3 2026$1.73

Quarter YoY
+12.3%
QoQ
+124.7%
FY YoY
+15.6%
5Y CAGR
+9.7%
10Y CAGR
+16.8%

ABCB diluted EPS was $1.73 in fiscal Q3 2026 (ended Sep 30, 2026), up 12.3% from a year earlier and up 124.7% from the prior quarter. For the full fiscal 2025 it was $6.00, up 15.6% from fiscal 2024. Compound annual growth was +9.7% over 5 years and +16.8% over 10 years.

ABCB free cash flowQ3 2026$213.76M

Quarter YoY
+112.7%
QoQ
+201.9%
FY YoY
+162.7%
5Y CAGR
-13.9%

ABCB free cash flow was $213.76M in fiscal Q3 2026 (ended Sep 30, 2026), up 112.7% from a year earlier and up 201.9% from the prior quarter. For the full fiscal 2025 it was $369.64M, up 162.7% from fiscal 2024. Compound annual growth was -13.9% over 5 years. It rose in 1 of the last 3 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$1.21B$1.14B$1.08B$1.09B$1.02B$1.08B$703.28M$461.80M$364.58M$325.17M
Interest expense--$445.39M$92.86M$47.78M$88.75M$131.23M$69.93M$34.22M$19.69M
Pre-tax income$533.76M$475.86M$356.94M$453.10M$496.11M$340.24M$211.58M$151.49M$124.28M$105.25M
Income tax$121.61M$117.17M$87.83M$106.56M$119.20M$78.26M$50.14M$30.46M$50.73M$33.15M
Net income$412.15M$358.69M$269.11M$346.54M$376.91M$261.99M$161.44M$121.03M$73.55M$72.10M
EPS, basic$6.02$5.21$3.90$5.01$5.43$3.78$2.76$2.81$2.00$2.10
EPS, diluted$6.00$5.19$3.89$4.99$5.40$3.77$2.75$2.80$1.98$2.08
Diluted shares68.7M69.1M69.1M69.4M69.8M69.4M58.6M43.2M37.1M34.7M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$1.09B$1.22B$1.17B$1.12B$4.06B$2.12B$621.85M$679.53M$330.66M$198.38M
Goodwill$1.02B$1.02B$1.02B$1.02B$1.01B$928.00M$931.64M$503.43M$125.53M$125.53M
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
Shareholders' equity$4.08B$3.75B$3.43B$3.20B$2.97B$2.65B$2.47B$1.46B$804.48M$646.44M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$390.18M$154.19M$568.96M$1.06B$9.14M$798.40M-$940.21M-$108.80M-$62.56M-$69.77M
Capital expenditures$20.54M$13.48M$17.53M$13.57M$25.45M$18.12M$11.58M$10.01M$3.76M$10.98M
Free cash flow$369.64M$140.72M$551.43M$1.05B-$16.31M$780.28M-$951.79M-$118.81M-$66.32M-$80.74M
Investing cash flow-$1.30B-$846.68M-$338.19M-$4.87B-$420.98M-$1.20B-$487.09M-$53.31M-$666.91M-$802.87M
Financing cash flow$781.16M$745.56M-$181.59M$865.53M$2.36B$1.90B$1.37B$510.99M$861.74M$680.45M
Dividends paid$55.25M$41.46M$41.65M$41.61M$41.80M$41.69M$24.68M$16.41M$14.65M$8.58M
Stock-based compensation$12.69M$13.44M$9.95M$6.71M$7.95M$3.81M$3.42M$6.24M$3.32M$2.26M
Depreciation and amortization$29.66M$36.80M$34.57M$40.99M------

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY5.7%6.0%-0.7%6.3%-5.8%54.2%52.3%26.7%12.1%24.5%
Net income growth, YoY14.9%33.3%-22.3%-8.1%43.9%62.3%33.4%64.6%2.0%76.5%
EPS growth, YoY15.6%33.4%-22.0%-7.6%43.2%37.1%-1.8%41.4%-4.8%63.8%
Net margin34.1%31.4%25.0%31.9%36.9%24.2%23.0%26.2%20.2%22.2%
Free cash flow margin30.6%12.3%51.2%96.6%-1.6%72.0%-135.3%-25.7%-18.2%-24.8%
Return on equity10.1%9.6%7.9%10.8%12.7%9.9%6.5%8.3%9.1%11.2%
Return on assets1.5%1.4%1.1%1.4%1.6%1.3%0.9%1.1%0.9%1.0%

Source: XBRL data Ameris Bancorp files with the SEC, latest filing dated Nov 6, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

ABCB peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
ABCB$1.27B+6.5%$386.39M30.4%$5.49B
JPM$203.15B+13.2%$65.98B32.5%$888.26B
BAC$120.16B+5.4%$32.24B26.8%$340.97B
WFC$87.23B+5.4%$22.97B26.3%$251.98B
C$85.22B+5.6%$14.31B16.8%$199.70B
UBS$49.57B+2.0%$7.80B15.7%$148.27B
COF$63.01B+31.2%$10.87B17.2%$121.43B
MFG¥8.79T+7.6%¥1.16T13.2%$116.96B
BNSC$37.74B+12.1%C$7.79B20.6%$112.48B

ABCB FAQ

8 questions
  • What is ABCB revenue?
    Ameris Bancorp (ABCB) reported $1.27B of revenue for the twelve months ended Sep 30, 2026. That is up 6.5% from the year before. Revenue for fiscal 2025 was $1.21B.
  • Is ABCB profitable?
    Yes. Ameris Bancorp earned $386.39M in net income for the twelve months ended Sep 30, 2026, a net margin of 30.4%.
  • How much cash and debt does ABCB have?
    Ameris Bancorp reported $1.14B in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is ABCB revenue growing?
    Ameris Bancorp's revenue changed +5.7% in fiscal 2025, to $1.21B. Its compound annual growth rate was +2.2% over 5 years and +16.6% over 10 years.
  • What is ABCB free cash flow?
    Ameris Bancorp generated $635.22M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $663.68M less capital expenditures.
  • What is ABCB earnings per share?
    Diluted earnings per share were $5.72 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did ABCB last report financial results?
    The latest statements here come from Ameris Bancorp's 10-Q filed on Nov 6, 2026, covering the period ended Sep 30, 2026.
  • Where does this ABCB financial data come from?
    Quantisnow builds these statements from the structured XBRL data Ameris Bancorp files with the SEC. It is provided for information only and is not investment advice.