Ameris Bancorp (ABCB) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Ameris Bancorp reported revenue of $1.21B, up 5.7% from $1.14B the year before. Net income was $412.2M (a 34.1% net margin), or $6.00 per diluted share. Net interest income was $936.9M, and the efficiency ratio (noninterest expense / revenue) was 50.0%. Operating activities generated $390.2M of cash, leaving $369.6M of free cash flow. At fiscal year end, Ameris Bancorp held $27.52B in total assets against $23.44B in total liabilities.
Open the full interactive Ameris Bancorp financials → Quarterly statements, key ratios, valuation history and price charts.
Ameris Bancorp Key Stats
| Share Price | $78.92 |
|---|---|
| Market Cap | $5.30B |
| P/E Ratio | 13.2 |
| Revenue YoY Growth | +5.7% |
| 52-Week Range | $68.72 – $92.94 |
| Shares Outstanding | 66.9 million (basic, 2026 Q2) |
Ameris Bancorp Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $637.8M | $655.3M | $801.0M | $835.0M | $849.2M | $936.9M |
| Provision for Credit Losses | $145.4M | -$35.1M | $71.7M | $142.7M | $58.8M | $70.2M |
| Noninterest Income | $446.5M | $365.5M | $284.4M | $242.8M | $293.3M | $271.0M |
| Noninterest Expense | $598.6M | $560.1M | $560.7M | $578.3M | $607.8M | $604.0M |
| Revenue | $1.08B | $1.02B | $1.09B | $1.08B | $1.14B | $1.21B |
| Pre-Tax Income | $340.2M | $496.1M | $453.1M | $356.9M | $475.9M | $533.8M |
| Income Tax | $78.3M | $119.2M | $106.6M | $87.8M | $117.2M | $121.6M |
| Net Income | $262.0M | $376.9M | $346.5M | $269.1M | $358.7M | $412.2M |
| Diluted EPS | $3.77 | $5.40 | $4.99 | $3.89 | $5.19 | $6.00 |
Ameris Bancorp Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $314.2M | $307.1M | $314.4M | $326.0M |
| Net Income | $106.0M | $108.4M | $110.5M | $51.4M |
| Diluted EPS | $1.54 | $1.58 | $1.63 | $0.77 |
Ameris Bancorp Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Loans (Net) | — | $15.71B | $19.65B | $19.96B | $20.40B | $21.17B |
| Total Assets | $20.44B | $23.86B | $25.05B | $25.20B | $26.26B | $27.52B |
| Deposits | $16.96B | $19.67B | $19.46B | $20.71B | $21.72B | $22.38B |
| Total Long-Term Debt | $549.5M | $866.2M | $2.00B | $639.9M | $424.1M | $692.3M |
| Total Liabilities | $17.79B | $20.89B | $21.86B | $21.78B | $22.51B | $23.44B |
| Shareholders' Equity | $2.65B | $2.97B | $3.20B | $3.43B | $3.75B | $4.08B |
Ameris Bancorp Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $798.4M | $9.1M | $1.06B | $569.0M | $154.2M | $390.2M |
| Cash From Investing | -$1.20B | -$421.0M | -$4.87B | -$338.2M | -$846.7M | -$1.30B |
| Cash From Financing | $1.90B | $2.36B | $865.5M | -$181.6M | $745.6M | $781.2M |
| Free Cash Flow | $780.3M | -$16.3M | $1.05B | $551.4M | $140.7M | $369.6M |
Figures from Ameris Bancorp's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Ameris Bancorp financials page for every line item.
Ameris Bancorp Company Profile
| Ticker | ABCB |
|---|---|
| Exchange | NYSE |
| Industry | State Commercial Banks |
| Headquarters | Atlanta, Georgia |
| Incorporated in | Georgia |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0000351569 |
Frequently Asked Questions
What was Ameris Bancorp's revenue in fiscal 2025?
Ameris Bancorp (ABCB) reported revenue of $1.21B for fiscal 2025.
What is Ameris Bancorp's annual revenue history?
Ameris Bancorp's annual revenue by fiscal year: 2020: $1.08B; 2021: $1.02B; 2022: $1.09B; 2023: $1.08B; 2024: $1.14B; 2025: $1.21B.
What was Ameris Bancorp's net income in fiscal 2025?
Ameris Bancorp reported net income of $412.2M for fiscal 2025.
What was Ameris Bancorp's earnings per share (EPS) in fiscal 2025?
Ameris Bancorp's diluted EPS was $6.00 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Ameris Bancorp generate in fiscal 2025?
Ameris Bancorp generated $369.6M of free cash flow in fiscal 2025.
What was Ameris Bancorp's revenue last quarter?
In its most recent reported quarter (2026 Q2), Ameris Bancorp reported revenue of $326.0M.
How much debt does Ameris Bancorp have?
Ameris Bancorp reported $692.3M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Ameris Bancorp are outstanding?
Ameris Bancorp reported a weighted average of 66.9 million basic shares outstanding in 2026 Q2.
What is Ameris Bancorp's market cap?
Based on its latest closing price, Ameris Bancorp (ABCB) has a market capitalization of about $5.30B.
When does Ameris Bancorp's fiscal year end?
Ameris Bancorp's fiscal year end, as registered with the SEC, is December 31.
Where is Ameris Bancorp headquartered?
Ameris Bancorp lists its business address in Atlanta, Georgia in its SEC filings.