Ameris Bancorp

NASDAQ•ABCB

CEO: Mr. James B. Miller Jr.

Sector: Financial Services

Industry: Banks - Regional

Listing Date: 1994-05-19

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 five segments: Banking Division, Retail Mortgage Division, Warehouse Lending Division, SBA 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. 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.

Contact Information

3490 Piedmont Road NE, Suite 1550, Atlanta, GA, 30305, United States

404-639-6500

www.amerisbank.com

Market Cap

$5.14B

P/E (TTM)

12.4

14.5

Dividend Yield

1.1%

52W High

$87.98

52W Low

$48.27

52W Range

68%

Rank38Top 36.9%

4.3

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Average • 4.3 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$419.89M+3.48%

4-Quarter Trend

EPS

$1.59+16.06%

4-Quarter Trend

FCF

$101.24M+0.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Strong Profitability and Growth Net income reached $412.2M in 2025, up 14.5% YoY; TBVPS grew 14.5% to $44.18; total assets increased to $27.52B.

Net Interest Margin Expansion Taxable equivalent NIM improved 23 basis points to 3.79% in 2025, driven by lower funding costs despite lower average earning asset yields.

Improving Asset Quality Metrics Non-performing assets ratio declined to 0.44% of total assets; provision for credit losses decreased significantly to $47.4M for the year.

Robust Capital Position Maintained Consolidated CET1 ratio stood at 13.17%, well above the 7.00% minimum requirement including the capital conservation buffer.

Risk Factors

Industry Competition Intensifies Profitability dependent on competing effectively on pricing for loans and deposits against larger banks and non-traditional fintech intermediaries.

Interest Rate Sensitivity Exposure Revenues highly correlated to market rates; rising rates could adversely affect loan demand and asset valuations, impacting net interest income.

Liquidity Risk from Deposit Retention Reliance on deposits means liquidity access could be impaired by economic downturns or customer shifts promoting deposit withdrawals, increasing funding costs.

Regulatory and Compliance Burden Subject to extensive federal and state regulation; compliance costs restrict activities and place banks at a competitive disadvantage versus less regulated firms.

Outlook

NIM Sensitivity to Rates Simulation suggests net interest income would increase 3.1% over 12 months with a 100 basis point parallel rate increase, indicating asset sensitivity.

Managing Credit Loss Reserves ACL determination involves high subjectivity based on economic forecasts; management must adjust reserves based on potential recessionary impacts on loan performance.

Continued Franchise Expansion Focus Strategy prioritizes organic growth alongside prudent acquisition activity when appropriate opportunities arise to diversify revenue and asset size.

Evolving Cybersecurity Threats Significant ongoing risk from cyberattacks; continuous investment in technical safeguards, third-party risk management, and incident response planning is necessary.

Peer Comparison

Revenue (TTM)

AVAL

$8.75B

-3.5%

VLY

$3.49B

-2.2%

COLB

$3.21B

+8.3%

Gross Margin (Latest Quarter)

COLB

75.6%

+12.4pp

HWC

75.6%

+5.9pp

GBCI

74.2%

+9.6pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
VLY	$6.56B	11.0	7.8%	5.3%
COLB	$6.24B	14.1	8.4%	6.0%
FNB	$5.66B	10.1	8.6%	7.8%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

2.6%

Moderate Growth

4Q Net Income CAGR

7.2%

Profitability Improving

Cash Flow Stability

100%

Strong Cash Flow

Deep Research

Next earnings:Apr 27, 2026

EPS:$1.56

Revenue:$309.48M

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data