ABCB
Ameris Bancorp
Price Chart
Latest Quote
$79.89
Current Price| Previous Close | $80.62 |
| Open | $81.26 |
| Day High | $81.60 |
| Day Low | $79.79 |
| Volume | 675,168 |
Stock Information
| Quarterly Dividend / Yield | $0.80 / 0.99% |
| Shares Outstanding | 68.02M |
| Total Debt | $692.34M |
| Cash Equivalents | $1.09B |
| Revenue | $1.14B |
| Net Income | $412.15M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $5.46B |
| P/E Ratio | 13.31 |
| EPS (TTM) | $6.00 |
| Exchange | NYQ |
đ Custom Metrics & Score
Score: 11/42| Debt to Equity | 0.11 |
| Debt to Earnings | 0.89 |
| Avg Revenue Growth | 2.85% |
| Profit Margin | 32.50% |
| Return on Equity | 9.56% |
| Avg FCF Growth | -240.72% |
| FCF Yield | 2.58% |
Score Explanation: The perfect score is 42/42 based on debt levels, profitability, growth rates, and cash flow metrics. FCF Yield is weighted most heavily as it shows what return the business currently generates.
Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-02-02 | $79.89 | 577,363 |
| 2026-01-30 | $80.62 | 923,800 |
| 2026-01-29 | $81.30 | 673,800 |
| 2026-01-28 | $79.68 | 435,500 |
| 2026-01-27 | $80.21 | 422,400 |
| 2026-01-26 | $80.40 | 352,900 |
| 2026-01-23 | $80.44 | 764,700 |
| 2026-01-22 | $82.77 | 479,700 |
| 2026-01-21 | $82.07 | 866,400 |
| 2026-01-20 | $78.93 | 432,900 |
| 2026-01-16 | $79.96 | 365,100 |
| 2026-01-15 | $81.41 | 540,000 |
| 2026-01-14 | $79.71 | 505,800 |
| 2026-01-13 | $78.24 | 566,800 |
| 2026-01-12 | $79.37 | 544,000 |
| 2026-01-09 | $79.13 | 424,200 |
| 2026-01-08 | $78.99 | 478,800 |
| 2026-01-07 | $76.87 | 298,700 |
| 2026-01-06 | $76.20 | 321,800 |
| 2026-01-05 | $75.76 | 407,100 |
About Ameris Bancorp
Ameris Bancorp operates as the bank holding company for Ameris Bank that provides range of banking services to retail and commercial customers. It operates through four segments: Banking Division, Retail Mortgage Division, Warehouse Lending Division, and Premium Finance Division. The company offers commercial and retail checking, regular interest-bearing savings, money market, individual retirement, and certificates of deposit accounts. It also provides commercial real estate, residential real estate mortgage, agricultural, and commercial and industrial loans; consumer loans, including motor vehicle, home improvement, and home equity loans, as well as loans secured by savings accounts and personal credit lines. In addition, the company originates, administers, and services commercial insurance premium loans, equipment finance loans, and small business administration loans. Further, it operates full-service domestic banking offices, and mortgage and loan production offices. The company was founded in 1971 and is headquartered in Atlanta, Georgia.
đ° Latest News
The Bull Case For Ameris Bancorp (ABCB) Could Change Following Mixed 2025 Results And Buybacks - Learn Why
Simply Wall St. âĸ 2026-01-30T22:06:17Z
Ameris Bancorp (ABCB) Q4 2025 Earnings Call Highlights: Record Earnings and Strategic Growth ...
GuruFocus.com âĸ 2026-01-30T21:01:16ZAmeris Bancorp (ABCB) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates
Zacks âĸ 2026-01-30T00:00:06Z
Ameris Bancorp (ABCB) Beats Q4 Earnings Estimates
Zacks âĸ 2026-01-29T23:25:01Z
Ameris Bancorp (NYSE:ABCB) Reports Sales Below Analyst Estimates In Q4 CY2025 Earnings
StockStory âĸ 2026-01-29T22:41:05Z
Ameris Bancorp: Q4 Earnings Snapshot
Associated Press Finance âĸ 2026-01-29T22:38:30ZUnlocking Q4 Potential of Ameris Bancorp (ABCB): Exploring Wall Street Estimates for Key Metrics
Zacks âĸ 2026-01-28T14:15:05Z
Stellar Bancorp (STEL) Misses Q4 Earnings Estimates
Zacks âĸ 2026-01-28T12:55:02Z
Ameris Bancorp (ABCB) Reports Earnings Tomorrow: What To Expect
StockStory âĸ 2026-01-28T03:05:10Z
Renasant (RNST) Tops Q4 Earnings and Revenue Estimates
Zacks âĸ 2026-01-27T22:45:02Z
Income Statement (Annual)
Revenue
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Total Revenue | $1,103,803,000 | $1,042,509,000 | $1,048,586,000 | $990,852,000 |
| Operating Revenue | $1,103,803,000 | $1,042,509,000 | $1,048,586,000 | $990,852,000 |
Expenses
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Interest Expense | $529,094,000 | $445,391,000 | $92,860,000 | $47,785,000 |
| Selling And Marketing Expense | $12,612,000 | $11,638,000 | $12,032,000 | $8,434,000 |
| General And Administrative Expense | $363,140,000 | $347,050,000 | $327,782,000 | $343,390,000 |
| Professional Expense And Contract Services Expense | $16,737,000 | $17,726,000 | $16,439,000 | $11,920,000 |
| Other Non Interest Expense | $110,688,000 | $96,810,000 | $95,221,000 | $99,124,000 |
Income & Earnings
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Net Income From Continuing Operation Net Minority Interest | $358,685,000 | $269,105,000 | $346,540,000 | $376,913,000 |
| Net Interest Income | $849,190,000 | $835,044,000 | $801,026,000 | $655,327,000 |
| Interest Income | $1,378,284,000 | $1,280,435,000 | $893,886,000 | $703,112,000 |
| Normalized Income | $358,685,000 | $269,105,000 | $347,467,180 | $380,109,560 |
| Net Income From Continuing And Discontinued Operation | $358,685,000 | $269,105,000 | $346,540,000 | $376,913,000 |
| Net Income Common Stockholders | $358,685,000 | $269,105,000 | $346,540,000 | $376,913,000 |
| Net Income | $358,685,000 | $269,105,000 | $346,540,000 | $376,913,000 |
| Net Income Including Noncontrolling Interests | $358,685,000 | $269,105,000 | $346,540,000 | $376,913,000 |
| Net Income Continuous Operations | $358,685,000 | $269,105,000 | $346,540,000 | $376,913,000 |
| Pretax Income | $475,860,000 | $356,935,000 | $453,098,000 | $496,112,000 |
| Special Income Charges | $0 | $0 | $-1,212,000 | $-4,206,000 |
| Depreciation Amortization Depletion Income Statement | $17,189,000 | $18,244,000 | $19,744,000 | $14,965,000 |
| Depreciation And Amortization In Income Statement | $17,189,000 | $18,244,000 | $19,744,000 | $14,965,000 |
| Amortization Of Intangibles Income Statement | $17,189,000 | $18,244,000 | $19,744,000 | $14,965,000 |
Per Share Metrics
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Diluted EPS | $5.19 | $3.89 | $4.99 | $5.40 |
| Basic EPS | $5.21 | $3.90 | $5.01 | $5.43 |
Other
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Tax Effect Of Unusual Items | $0 | $0 | $-284,820 | $-1,009,440 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $0 | $0 | $-1,212,000 | $-4,206,000 |
| Total Unusual Items Excluding Goodwill | $0 | $0 | $-1,212,000 | $-4,206,000 |
| Reconciled Depreciation | $46,728,000 | $45,933,000 | $53,626,000 | $47,929,000 |
| Diluted Average Shares | $69,061,832 | $69,104,158 | $69,419,721 | $69,761,394 |
| Basic Average Shares | $68,808,830 | $68,977,453 | $69,193,591 | $69,431,860 |
| Diluted NI Availto Com Stockholders | $358,685,000 | $269,105,000 | $346,540,000 | $376,913,000 |
| Tax Provision | $117,175,000 | $87,830,000 | $106,558,000 | $119,199,000 |
| Restructuring And Mergern Acquisition | $0 | $0 | $1,212,000 | $4,206,000 |
| Gain On Sale Of Security | $12,304,000 | $-304,000 | $203,000 | $515,000 |
| Amortization | $17,189,000 | $18,244,000 | $19,744,000 | $14,965,000 |
| Selling General And Administration | $375,752,000 | $358,688,000 | $339,814,000 | $351,824,000 |
| Insurance And Claims | $15,499,000 | $26,940,000 | $8,063,000 | $5,614,000 |
| Salaries And Wages | $347,641,000 | $320,110,000 | $319,719,000 | $337,776,000 |
| Occupancy And Equipment | $48,784,000 | $51,450,000 | $51,361,000 | $48,066,000 |
| Other Gand A | - | - | - | $45,976,000 |
Balance Sheet (Annual)
Assets
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Net Tangible Assets | $2,665,115,000 | $2,323,152,000 | $2,075,560,000 | $1,827,893,000 |
| Total Assets | $26,262,050,000 | $25,203,699,000 | $25,053,286,000 | $23,858,321,000 |
| Goodwill And Other Intangible Assets | $1,086,407,000 | $1,103,595,000 | $1,121,840,000 | $1,138,558,000 |
| Other Intangible Assets | $70,761,000 | $87,949,000 | $106,194,000 | $125,938,000 |
| Cash And Cash Equivalents | $1,220,377,000 | $1,167,304,000 | $1,118,132,000 | $4,044,657,000 |
| Cash Financial | $244,980,000 | $230,470,000 | $284,567,000 | $307,813,000 |
| Cash Cash Equivalents And Federal Funds Sold | $1,220,377,000 | $1,167,304,000 | $1,118,132,000 | $4,064,657,000 |
Debt
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Total Debt | $424,097,000 | $639,901,000 | $2,004,058,000 | $866,207,000 |
| Long Term Debt And Capital Lease Obligation | $424,097,000 | $639,901,000 | $2,004,058,000 | $866,207,000 |
| Long Term Debt | $424,097,000 | $639,901,000 | $2,004,058,000 | $866,207,000 |
| Net Debt | - | - | $885,926,000 | - |
Liabilities
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Total Liabilities Net Minority Interest | $22,510,528,000 | $21,776,952,000 | $21,855,886,000 | $20,891,870,000 |
Equity
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Common Stock Equity | $3,751,522,000 | $3,426,747,000 | $3,197,400,000 | $2,966,451,000 |
| Total Equity Gross Minority Interest | $3,751,522,000 | $3,426,747,000 | $3,197,400,000 | $2,966,451,000 |
| Stockholders Equity | $3,751,522,000 | $3,426,747,000 | $3,197,400,000 | $2,966,451,000 |
| Gains Losses Not Affecting Retained Earnings | $-30,119,000 | $-35,939,000 | $-46,507,000 | $15,590,000 |
| Other Equity Adjustments | $-30,119,000 | $-35,939,000 | $-46,507,000 | $15,590,000 |
| Retained Earnings | $1,853,428,000 | $1,539,957,000 | $1,311,258,000 | $1,006,436,000 |
Other
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Treasury Shares Number | $3,630,636 | $3,462,738 | $2,894,677 | $2,407,898 |
| Ordinary Shares Number | $69,068,609 | $69,053,341 | $69,369,050 | $69,609,228 |
| Share Issued | $72,699,245 | $72,516,079 | $72,263,727 | $72,017,126 |
| Tangible Book Value | $2,665,115,000 | $2,323,152,000 | $2,075,560,000 | $1,827,893,000 |
| Invested Capital | $4,175,619,000 | $4,066,648,000 | $5,201,458,000 | $3,832,658,000 |
| Total Capitalization | $4,175,619,000 | $4,066,648,000 | $5,201,458,000 | $3,832,658,000 |
| Treasury Stock | $103,128,000 | $95,172,000 | $74,826,000 | $52,405,000 |
| Additional Paid In Capital | $1,958,642,000 | $1,945,385,000 | $1,935,211,000 | $1,924,813,000 |
| Capital Stock | $72,699,000 | $72,516,000 | $72,264,000 | $72,017,000 |
| Common Stock | $72,699,000 | $72,516,000 | $72,264,000 | $72,017,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Investments And Advances | $1,902,235,000 | $1,616,250,000 | $1,745,916,000 | $720,023,000 |
| Held To Maturity Securities | $164,677,000 | $141,512,000 | $134,864,000 | $79,850,000 |
| Available For Sale Securities | $66,298,000 | $71,794,000 | $110,992,000 | $47,552,000 |
| Goodwill | $1,015,646,000 | $1,015,646,000 | $1,015,646,000 | $1,012,620,000 |
| Net PPE | $209,460,000 | $216,435,000 | $220,283,000 | $225,400,000 |
| Accumulated Depreciation | $-129,725,000 | $-121,358,000 | $-112,817,000 | $-100,357,000 |
| Gross PPE | $339,185,000 | $337,793,000 | $333,100,000 | $325,757,000 |
| Construction In Progress | $3,315,000 | $3,997,000 | $2,343,000 | $995,000 |
| Machinery Furniture Equipment | $89,348,000 | $89,756,000 | $85,217,000 | $82,268,000 |
| Buildings And Improvements | $177,356,000 | $174,562,000 | $176,153,000 | $173,456,000 |
| Land And Improvements | $69,166,000 | $69,478,000 | $69,387,000 | $69,038,000 |
| Other Short Term Investments | $1,671,260,000 | $1,402,944,000 | $1,500,060,000 | $592,621,000 |
Cash Flow Statement (Annual)
Free Cash Flow
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Free Cash Flow | $140,716,000 | $551,428,000 | $1,048,905,000 | $-16,308,000 |
Operating Activities
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Operating Cash Flow | $154,193,000 | $568,959,000 | $1,062,473,000 | $9,140,000 |
| Cash Flow From Continuing Operating Activities | $154,193,000 | $568,959,000 | $1,062,473,000 | $9,140,000 |
| Operating Gains Losses | $-65,999,000 | $-1,987,000 | $86,178,000 | $-157,135,000 |
Investing Activities
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Capital Expenditure | $-13,477,000 | $-17,531,000 | $-13,568,000 | $-25,448,000 |
| Investing Cash Flow | $-846,682,000 | $-338,194,000 | $-4,874,530,000 | $-420,984,000 |
| Cash Flow From Continuing Investing Activities | $-846,682,000 | $-338,194,000 | $-4,874,530,000 | $-420,984,000 |
| Net Other Investing Changes | $-40,316,000 | $12,545,000 | $-44,813,000 | $-136,901,000 |
Financing Activities
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Repurchase Of Capital Stock | $-7,954,000 | $-20,346,000 | $-22,421,000 | $-9,439,000 |
| Financing Cash Flow | $745,562,000 | $-181,593,000 | $865,532,000 | $2,359,195,000 |
| Cash Flow From Continuing Financing Activities | $745,562,000 | $-181,593,000 | $865,532,000 | $2,359,195,000 |
| Cash Dividends Paid | $-41,460,000 | $-41,649,000 | $-41,610,000 | $-41,798,000 |
| Common Stock Dividend Paid | $-41,460,000 | $-41,649,000 | $-41,610,000 | $-41,798,000 |
| Net Common Stock Issuance | $-7,954,000 | $-20,346,000 | $-22,421,000 | $-9,439,000 |
Other
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Repayment Of Debt | $-6,526,963,000 | $-17,207,845,000 | $-2,814,576,000 | $-296,325,000 |
| Issuance Of Debt | $6,308,000,000 | $15,842,000,000 | $3,950,000,000 | $0 |
| Interest Paid Supplemental Data | $540,270,000 | $418,445,000 | $86,643,000 | $48,960,000 |
| Income Tax Paid Supplemental Data | $102,511,000 | $101,328,000 | $133,894,000 | $71,807,000 |
| End Cash Position | $1,220,377,000 | $1,167,304,000 | $1,118,132,000 | $4,064,657,000 |
| Beginning Cash Position | $1,167,304,000 | $1,118,132,000 | $4,064,657,000 | $2,117,306,000 |
| Changes In Cash | $53,073,000 | $49,172,000 | $-2,946,525,000 | $1,947,351,000 |
| Proceeds From Stock Option Exercised | $0 | $476,000 | $2,799,000 | $4,532,000 |
| Common Stock Payments | $-7,954,000 | $-20,346,000 | $-22,421,000 | $-9,439,000 |
| Net Issuance Payments Of Debt | $-218,963,000 | $-1,365,845,000 | $1,135,424,000 | $-296,325,000 |
| Net Long Term Debt Issuance | $-218,963,000 | $-1,365,845,000 | $1,135,424,000 | $-296,325,000 |
| Long Term Debt Payments | $-6,526,963,000 | $-17,207,845,000 | $-2,814,576,000 | $-296,325,000 |
| Long Term Debt Issuance | $6,308,000,000 | $15,842,000,000 | $3,950,000,000 | $0 |
| Net Investment Purchase And Sale | $-264,965,000 | $148,326,000 | $-1,104,484,000 | $266,120,000 |
| Sale Of Investment | $454,507,000 | $187,417,000 | $189,206,000 | $365,372,000 |
| Purchase Of Investment | $-719,472,000 | $-39,091,000 | $-1,293,690,000 | $-99,252,000 |
| Net Business Purchase And Sale | $0 | $0 | $-14,003,000 | $-126,664,000 |
| Purchase Of Business | $0 | $0 | $-14,003,000 | $-126,664,000 |
| Net Intangibles Purchase And Sale | $82,328,000 | $0 | $119,845,000 | $0 |
| Sale Of Intangibles | $82,328,000 | $0 | $119,845,000 | $0 |
| Net PPE Purchase And Sale | $-13,227,000 | $-13,606,000 | $-13,522,000 | $-23,490,000 |
| Sale Of PPE | $250,000 | $3,925,000 | $46,000 | $1,958,000 |
| Purchase Of PPE | $-13,477,000 | $-17,531,000 | $-13,568,000 | $-25,448,000 |
| Change In Working Capital | $-19,871,000 | $32,935,000 | $-21,027,000 | $20,029,000 |
| Change In Other Working Capital | $-37,794,000 | $13,380,000 | $-12,296,000 | $-5,138,000 |
| Change In Payables And Accrued Expense | $18,670,000 | $29,217,000 | $11,394,000 | $5,830,000 |
| Change In Payable | $18,670,000 | $29,217,000 | $11,394,000 | $5,830,000 |
| Change In Account Payable | $-11,176,000 | $26,946,000 | $6,217,000 | $-1,175,000 |
| Change In Tax Payable | $29,846,000 | $2,271,000 | $5,177,000 | $7,005,000 |
| Change In Income Tax Payable | $29,846,000 | $2,271,000 | $5,177,000 | $7,005,000 |
| Change In Receivables | $-747,000 | $-9,662,000 | $-20,125,000 | $19,337,000 |
| Changes In Account Receivables | $-747,000 | $-9,662,000 | $-20,125,000 | $19,337,000 |
| Other Non Cash Items | $-217,916,000 | $92,430,000 | $578,027,000 | $-262,397,000 |
| Stock Based Compensation | $13,440,000 | $9,950,000 | $6,706,000 | $7,948,000 |
| Asset Impairment Charge | $411,000 | $-1,595,000 | $-23,597,000 | $-13,732,000 |
| Deferred Tax | $-20,078,000 | $-20,468,000 | $-35,677,000 | $38,411,000 |
| Deferred Income Tax | $-20,078,000 | $-20,468,000 | $-35,677,000 | $38,411,000 |
| Depreciation Amortization Depletion | $46,728,000 | $45,933,000 | $53,626,000 | $47,929,000 |
| Depreciation And Amortization | $46,728,000 | $45,933,000 | $53,626,000 | $47,929,000 |
| Depreciation | $46,728,000 | $45,933,000 | $53,626,000 | $32,964,000 |
| Gain Loss On Investment Securities | $-12,304,000 | $304,000 | $-203,000 | $-515,000 |
| Gain Loss On Sale Of PPE | $-9,093,000 | $-1,658,000 | $-1,200,000 | $2,882,000 |
| Net Income From Continuing Operations | $358,685,000 | $269,105,000 | $346,540,000 | $376,913,000 |
| Amortization Of Securities | - | $-4,712,000 | $115,000 | $2,888,000 |
| Amortization Cash Flow | - | $18,244,000 | $19,744,000 | $14,965,000 |
| Amortization Of Intangibles | - | $18,244,000 | $19,744,000 | $14,965,000 |