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Ameris Bancorp

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
$5.49B
P/E (TTM)
13.7
15.1
Dividend Yield
1.0%
52W High
$81.61
52W Low
$48.27
52W Range
95%
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

Q3 2025 Data

Revenue

$422.41M+1.46%
4-Quarter Trend

EPS

$1.55+7.64%
4-Quarter Trend

FCF

$100.52M+0.76%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Strong Quarterly Earnings Growth Net income reached $106.0 million ($1.54 diluted EPS), up from $99.2 million ($1.44 diluted EPS) year-over-year for Q3 2025.
Net Interest Margin Expansion Tax-equivalent NIM improved 29 basis points to 3.80% in Q3 2025, driven by asset growth and deposit pricing adjustments.
Improved Asset Quality Metrics Non-performing assets ratio declined to 0.40% of total assets, down from 0.47% at year-end 2024, reflecting better credit performance.
Solid Capital Position Maintained Consolidated CET1 ratio stood strong at 13.20% as of September 30, 2025, exceeding regulatory minimums comfortably.

Risk Factors

Increased Credit Loss Provision Q3 2025 provision for credit losses surged to $22.6M from $6.1M, driven by updated economic forecasts and office portfolio qualitative factors.
Interest Rate Sensitivity Exposure Earnings simulation shows potential 13.3% drop in NII over 24 months with a 300 basis point rate decrease scenario.
CRE Portfolio Concentration Commercial Real Estate loans represent 40% of total loans, sensitive to commercial real estate market conditions and occupancy rates.
Funding Cost Management Management must navigate potential funding cost increases amid market rate volatility, despite recent year-over-year funding cost decreases.

Outlook

Continued Asset Quality Focus Management continues periodic evaluations of CRE portfolio soundness, focusing on stressed cash flows and property value assessments.
Regulatory Capital Readiness Company and Bank remain "well capitalized" under current standards, while evaluating the impact of potential CECL transition relief expiration.
Mortgage Banking Activity Mortgage production pipeline remains substantial ($787.2M pipeline end Q3 2025), supporting noninterest income expectations.
Share Repurchase Authorization Share repurchase program extended to $200.0 million through October 2026, indicating management confidence in capital deployment.

Peer Comparison

Revenue (TTM)

Valley National BancorpVLY
$3.49B
-1.9%
Columbia Banking System, Inc.COLB
$2.99B
-0.2%
F.N.B. CorporationFNB
$2.64B
+5.7%

Gross Margin (Latest Quarter)

Home Bancshares, Inc. (Conway, AR)HOMB
100.0%
+33.9pp
Hancock Whitney CorporationHWC
72.4%
+6.2pp
Ameris BancorpABCB
66.9%
+2.3pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
VLY$6.60B12.86.9%5.4%
COLB$6.25B14.48.1%4.6%
FNB$6.22B12.37.8%8.0%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
1.4%
Moderate Growth
4Q Net Income CAGR
4.0%
Profitability Slowly Improving
Cash Flow Stability
100%
Strong Cash Flow

Research & Insights

Next earnings:Jan 29, 2026
|
EPS:$1.56
|
Revenue:$310.48M
Reports
All Years

  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Nov 7, 2025|
    Revenue: $422.41M+1.5%
    |
    EPS: $1.55+7.6%
    Beat

  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 8, 2025|
    Revenue: $408.00M-4.1%
    |
    EPS: $1.60+21.2%
    Beat

  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 9, 2025|
    Revenue: $389.21M+1.0%
    |
    EPS: $1.28+18.5%
    Beat

  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Feb 28, 2025|
    Revenue: $1.63B+9.7%
    |
    EPS: $5.21+33.6%
    Beat

  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 8, 2024|
    Revenue: $416.34M+7.9%
    |
    EPS: $1.44+24.1%
    Beat

  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 8, 2024|
    Revenue: $425.40M+12.0%
    |
    EPS: $1.32+45.1%
    Beat

  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 9, 2024|
    Revenue: $385.41M+12.4%
    |
    EPS: $1.08+24.1%
    Beat

  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Feb 28, 2024|
    Revenue: $1.49B+30.4%
    |
    EPS: $3.90-22.2%
    Beat