Ameris Bancorp

ABCB · NYSE · Financials · Financials, fiscal 2016 to 2025

ABCB · Last close · November 6, 2026

$81.79

Ameris Bancorp's revenue rose 5.7% to $1.2 billion in fiscal 2025. Net income was $412 million, up 14.9%. Its return on equity was 10.5%, up from 10.0% a year earlier. Its efficiency ratio was 50.0%, down from 53.2% a year earlier. It paid out $138 million in dividends and buybacks. The diluted share count fell 0.5%.

AMERIS BANCORP Latest fiscal year ended December 31, 2025 10-K filed February 26, 2026 · 0000351569-26-000050 Updated November 6, 2026

Revenue

$1.2B

5.7%

Net income

$412M

14.9%

Return on equity

10.5%

0.5 pts

Return on tangible equity

14.2%

0.3 pts

Efficiency ratio

50.0%

3.2 pts

Market cap

$5.5B

Nov 6 close

P/E

14.3x

On $5.72 EPS, 4 qtrs

Return on equity is net income as a share of shareholders' equity; return on tangible equity leaves out goodwill and other intangible assets. The efficiency ratio is operating costs as a share of revenue, so lower means the bank spends less to earn each dollar. Market cap is the last closing share price times the latest diluted share count, so it is approximate. P/E is the last close divided by diluted earnings per share over the last four quarters, or the latest fiscal year where the quarters aren't available; there is none when the company made a loss.

Charts show fiscal years, from the 10-K filings.

What Ameris Bancorp does

Ameris Bancorp is a financial holding company. Nearly all of its business runs through its bank subsidiary, Ameris Bank, which serves retail and commercial customers in select markets in Georgia, Alabama, Florida, North Carolina and South Carolina. It also serves some consumer and business customers nationwide through chosen lending channels.

The bank offers a full range of everyday banking and lending products, treasury and cash management, insurance premium financing, and mortgage and refinancing services. It earns money mainly from the interest on loans and securities, less the interest it pays on deposits, plus fees from services such as mortgage banking. The bank says it competes with larger banks by letting local market leaders make decisions.

At the end of 2025 it had approximately $27.52 billion in total assets and operated offices only in the United States. Besides growing its existing business, it says it expects to buy other banks when suitable chances come up.

Its biggest risks, as it describes them

Strong competition from other banks and financial firms.
Earnings that depend closely on market interest rates.
Losing deposits, which could mean liquidity problems and higher funding costs.
Credit losses larger than the amount it has set aside for them.
Acquisitions that may not bring the revenue or savings it expects.

From Ameris Bancorp's annual report on Form 10-K, filed February 26, 2026, in our words; the 10-K has the full description and every risk factor. Updated with each new annual report.

Income statement

Revenue and net income

US$ billions, fiscal years; net losses in red. Revenue on the left axis, net income on the right; zero is the same line on both. Revenue is net of interest expense.

Revenue (left axis)Net income (right axis)

Efficiency ratio and net interest income

Percent of revenue. The efficiency ratio is noninterest expense over revenue.

Efficiency ratioNet interest income share

From fiscal 2016 to 2025, earnings per share grew 12.5% a year and net income 21.4% a year, as new shares raised the share count by 98% and diluted each share's earnings.

Diluted earnings per share

US$ per share, fiscal years, restated for any stock splits; loss years in red.

Return on equity

Percent. Net income over average equity; tangible equity excludes goodwill, intangibles and preferred stock.

Return on equityReturn on tangible common equity

Balance sheet

Loans and deposits

US$ billions, at each fiscal year end

Loans, netDeposits

Total assets and shareholders' equity

US$ billions, at each fiscal year end. Assets on the left axis, equity on the right.

Total assets (left axis)Equity (right axis)

Five years at a glance

Fiscal year end	FY21	FY22	FY23	FY24	FY25
Loans, net	15,707	19,650	19,962	20,402	21,165
Deposits	19,666	19,463	20,708	21,722	22,376
Loans to deposits	79.9%	101.0%	96.4%	93.9%	94.6%
Provision for credit losses	−35	72	143	59	70
Provision to average loans	−0.2%	0.4%	0.7%	0.3%	0.3%
Total assets	23,858	25,053	25,204	26,262	27,516
Shareholders' equity	2,966	3,197	3,427	3,752	4,076

US$ millions unless stated, at each fiscal year end.

Cash flow

Stock-based compensation and buybacks

US$ billions, fiscal years. Shares paid to employees (stock-based compensation, a cost that uses no cash) against cash spent buying shares back. Buybacks that only match it leave the share count roughly where it was.

Stock-based compensationShare buybacks

Dividends and buybacks

US$ billions, cash paid in each fiscal year

DividendsShare buybacks

Diluted share count

Weighted-average diluted shares, millions

Projections

Project Ameris Bancorp's revenue, net income and earnings per share five years ahead in a bull, a base and a bear case with your own figures, and see the share prices your P/E estimates give them. Every projected figure is yours: it is not a forecast of ours.

Open Ameris Bancorp's projections

Insider trades

Over the 12 months between November 7, 2025 and November 6, 2026, 1 insider bought $23,751 of Ameris Bancorp shares on the open market, and 4 insiders sold $565,534.

Buys and sells by month

US$ millions, open-market purchases (up) and sales (down) by officers, directors and 10% owners in each month.

BoughtSold

Date	Insider	Trade	Shares	Price	Value	Filing
Mar 9, 2026	Leo J HillDirector	Sold	0	$75.15	$24	Form 4
Mar 9, 2026	Leo J HillDirector	Sold	0	$75.15	$2	Form 4
Feb 24, 2026	Douglas D StrangeChief Credit Officer	Sold	1	$78.76	$46	Form 4
Feb 24, 2026	Ross L CreasyChief Information Officer	Sold	1	$79.40	$42	Form 4
Feb 19, 2026	James A LaHaiseChief Strategy Officer	Sold	6,641	$82.93	$550,738	Form 4
Dec 31, 2025	Douglas D StrangeChief Credit Officer	Sold	205	$71.62	$14,682	Form 4
Dec 8, 2025	William H SternDirector	Bought	308	$77.22	$23,751	Form 4

Open-market purchases and sales by officers, directors and 10% owners, from their Form 4 filings with the SEC: one row per person, day and filing, at the day's average price. Grants, option exercises and shares withheld for tax aren't counted. Insiders buy and sell for many reasons, such as taxes, spreading their savings or a plan set up months earlier, so a trade on its own says little about where a company is heading. For information only, not investment advice. Insider trades at all companies

Compare

Put Ameris Bancorp side by side with any other company we cover: revenue, growth, margins, cash flow and returns, with ten years of charts.

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Ameris Bancorp	FY25	5.7%	34.1%	10.5%	14.2%	50.0%
United Bankshares	FY25	19.6%	37.5%	8.9%	14.1%	48.5%	Compare
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Texas Capital Bancshares	FY25	34.7%	26.3%	9.4%	9.8%	61.2%	Compare

Each company's latest fiscal year. Fiscal years end in different months, so the periods don't line up exactly.

10 years of figures

Fiscal year	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Income statement
Revenue	325	365	462	703	1,084	1,021	1,086	1,078	1,142	1,208
Revenue growth	24.5%	12.1%	26.7%	52.3%	54.2%	−5.8%	6.3%	−0.7%	6.0%	5.7%
Net interest income	219	260	343	505	638	655	801	835	849	937
Noninterest income	106	104	118	198	446	366	284	243	293	271
Noninterest expense	216	232	294	472	599	560	561	578	608	604
Provision for credit losses	—	—	17	20	126	−35	72	143	59	70
Net income	72	74	121	161	262	377	346	269	359	412
Diluted EPS (US$)	2.08	1.98	2.80	2.75	3.77	5.40	4.99	3.89	5.19	6.00
Diluted shares (millions)	35	37	43	59	69	70	69	69	69	69
Payouts
Dividends paid	9	15	16	25	42	42	42	42	42	55
Share buybacks	1	1	2	18	8	9	22	20	8	83
Balance sheet at fiscal year end
Loans, net	354	6,046	8,512	12,818	14,282	15,707	19,650	19,962	20,402	21,165
Deposits	5,575	6,626	9,649	14,027	16,958	19,666	19,463	20,708	21,722	22,376
Total assets	6,892	7,856	11,444	18,243	20,439	23,858	25,053	25,204	26,262	27,516
Shareholders' equity	646	804	1,456	2,470	2,647	2,966	3,197	3,427	3,752	4,076
Ratios
Return on equity	12.4%	10.1%	10.7%	8.2%	10.2%	13.4%	11.2%	8.1%	10.0%	10.5%
Return on tangible common equity	15.2%	12.3%	14.8%	13.0%	16.1%	20.5%	16.8%	11.7%	13.9%	14.2%
Return on assets	1.2%	1.0%	1.2%	1.1%	1.4%	1.7%	1.4%	1.1%	1.4%	1.5%
Efficiency ratio	66.4%	63.6%	63.6%	67.1%	55.2%	54.9%	51.6%	53.6%	53.2%	50.0%

US$ millions unless stated. Where a later 10-K restated a year, the latest filed figure is shown. Download all figures (CSV, US$ millions)

Source: Ameris Bancorp's Form 10-K filings, from SEC EDGAR. For information only, not investment advice. The Filing Desk is not affiliated with Ameris Bancorp.