Ameris Bancorp Financials

ABCB

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

This page shows Ameris Bancorp (ABCB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Key Financial Metrics

Revenue

$1.4B

YoY+7.6%

5Y CAGR+16.7%

10Y CAGR+23.7%

Ameris Bancorp generated $1.4B in revenue in fiscal year 2024. This represents an increase of 7.6% from the prior year.

EBITDA

N/A

Free Cash Flow

$140.7M

YoY-74.5%

Ameris Bancorp generated $140.7M in free cash flow in fiscal year 2024, representing cash available after capex. This represents a decrease of 74.5% from the prior year.

Net Income

$358.7M

YoY+33.3%

5Y CAGR+17.3%

10Y CAGR+24.9%

Ameris Bancorp reported $358.7M in net income in fiscal year 2024. This represents an increase of 33.3% from the prior year.

EPS (Diluted)

$5.19

YoY+33.4%

5Y CAGR+13.5%

10Y CAGR+13.5%

Ameris Bancorp earned $5.19 per diluted share (EPS) in fiscal year 2024. This represents an increase of 33.4% from the prior year.

Cash & Debt

N/A

Dividends Per Share

$0.65

YoY+8.3%

5Y CAGR+5.4%

10Y CAGR+15.8%

Ameris Bancorp paid $0.65 per share in dividends in fiscal year 2024. This represents an increase of 8.3% from the prior year.

Shares Outstanding

N/A

Gross Margin

N/A

Operating Margin

N/A

Net Margin

26.0%

YoY+5.0pp

5Y CAGR+0.7pp

10Y CAGR+2.5pp

Ameris Bancorp's net profit margin was 26.0% in fiscal year 2024, showing the share of revenue converted to profit. This is up 5.0 percentage points from the prior year.

Return on Equity

9.6%

YoY+1.7pp

5Y CAGR+3.0pp

10Y CAGR-1.0pp

Ameris Bancorp's ROE was 9.6% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is up 1.7 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

$8.0M

YoY-60.9%

5Y CAGR-15.5%

10Y CAGR+32.6%

Ameris Bancorp spent $8.0M on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 60.9% from the prior year.

Capital Expenditures

$13.5M

YoY-23.1%

5Y CAGR+3.1%

10Y CAGR+9.0%

Ameris Bancorp invested $13.5M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents a decrease of 23.1% from the prior year.

ABCB Income Statement

Metric	FY24	FY24	FY24	FY23	FY22	FY21
Revenue	$1.4B+7.6%	$1.3B+43.2%	$893.9M+27.1%	$703.1M-3.2%	$726.5M+14.2%	$636.4M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$529.1M+18.8%	$445.4M+379.6%	$92.9M+94.3%	$47.8M-46.2%	$88.8M-32.4%	$131.2M
Income Tax	$117.2M+33.4%	$87.8M-17.6%	$106.6M-10.6%	$119.2M+52.3%	$78.3M+56.1%	$50.1M
Net Income	$358.7M+33.3%	$269.1M-22.3%	$346.5M-8.1%	$376.9M+43.9%	$262.0M+62.3%	$161.4M
EPS (Diluted)	$5.19+33.4%	$3.89-22.0%	$4.99-7.6%	$5.40+43.2%	$3.77+37.1%	$2.75

Metric	Q3'25	Q2'25	Q1'25	Q3'25	Q3'25	Q2'25	Q1'25	Q4'24
Revenue	$355.0M+2.1%	$347.6M+4.2%	$333.8M-3.6%	$346.4M-2.5%	$355.1M+2.3%	$347.3M+5.4%	$329.5M-0.8%	$332.2M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$117.1M+1.1%	$115.8M+3.5%	$111.9M-10.1%	$124.5M-11.7%	$141.1M+4.2%	$135.4M+5.7%	$128.1M+1.5%	$126.1M
Income Tax	$31.0M-5.6%	$32.9M+31.4%	$25.0M-21.0%	$31.6M+18.6%	$26.7M-25.3%	$35.7M+54.4%	$23.1M-5.4%	$24.5M
Net Income	$106.0M-3.5%	$109.8M+24.9%	$87.9M-6.8%	$94.4M-4.9%	$99.2M+9.3%	$90.8M+22.2%	$74.3M+12.7%	$65.9M
EPS (Diluted)	$1.54-3.8%	$1.60+26.0%	$1.27-5.9%	$1.35-6.2%	$1.44+9.1%	$1.32+22.2%	$1.08+13.7%	$0.95

ABCB Balance Sheet

Metric	FY24	FY24	FY24	FY23	FY22	FY21
Total Assets	$26.3B+4.2%	$25.2B+0.6%	$25.1B+5.0%	$23.9B+16.7%	$20.4B+12.0%	$18.2B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	N/A	N/A	N/A	N/A	N/A	N/A
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$1.0B0.0%	$1.0B0.0%	$1.0B+0.3%	$1.0B+9.1%	$928.0M-0.4%	$931.6M
Total Liabilities	$22.5B+3.4%	$21.8B-0.4%	$21.9B+4.6%	$20.9B+17.4%	$17.8B+12.8%	$15.8B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$3.8B+9.5%	$3.4B+7.2%	$3.2B+7.8%	$3.0B+12.1%	$2.6B+7.2%	$2.5B
Retained Earnings	$1.9B+20.4%	$1.5B+17.4%	$1.3B+30.3%	$1.0B+49.9%	$671.5M+32.2%	$507.9M

Metric	Q3'25	Q2'25	Q1'25	Q3'25	Q3'25	Q2'25	Q1'25	Q4'24
Total Assets	$27.1B+1.6%	$26.7B+0.6%	$26.5B+1.0%	$26.3B-0.5%	$26.4B-0.5%	$26.5B+3.4%	$25.7B+1.8%	$25.2B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$1.0B0.0%	$1.0B0.0%	$1.0B0.0%	$1.0B0.0%	$1.0B0.0%	$1.0B0.0%	$1.0B0.0%	$1.0B
Total Liabilities	$23.1B+1.4%	$22.8B+0.3%	$22.7B+0.8%	$22.5B-0.9%	$22.7B-1.0%	$23.0B+3.5%	$22.2B+1.8%	$21.8B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$4.0B+2.5%	$3.9B+2.5%	$3.8B+1.9%	$3.8B+1.9%	$3.7B+3.2%	$3.6B+2.3%	$3.5B+1.7%	$3.4B
Retained Earnings	$2.1B+4.6%	$2.0B+5.0%	$1.9B+4.0%	$1.9B+4.5%	$1.8B+5.3%	$1.7B+5.0%	$1.6B+4.1%	$1.5B

ABCB Cash Flow Statement

Metric	FY24	FY24	FY24	FY23	FY22	FY21
Operating Cash Flow	$154.2M-72.9%	$569.0M-46.4%	$1.1B+11524.4%	$9.1M-98.9%	$798.4M+184.9%	-$940.2M
Capital Expenditures	$13.5M-23.1%	$17.5M+29.2%	$13.6M-46.7%	$25.4M+40.5%	$18.1M+56.4%	$11.6M
Free Cash Flow	$140.7M-74.5%	$551.4M-47.4%	$1.0B+6531.8%	-$16.3M-102.1%	$780.3M+182.0%	-$951.8M
Investing Cash Flow	-$846.7M-150.4%	-$338.2M+93.1%	-$4.9B-1057.9%	-$421.0M+64.9%	-$1.2B-146.5%	-$487.1M
Financing Cash Flow	$745.6M+510.6%	-$181.6M-121.0%	$865.5M-63.3%	$2.4B+24.3%	$1.9B+38.6%	$1.4B
Dividends Paid	$41.5M-0.5%	$41.6M+0.1%	$41.6M-0.4%	$41.8M+0.3%	$41.7M+68.9%	$24.7M
Share Buybacks	$8.0M-60.9%	$20.3M-9.3%	$22.4M+137.5%	$9.4M+18.1%	$8.0M-56.6%	$18.4M

Metric	Q3'25	Q2'25	Q1'25	Q3'25	Q3'25	Q2'25	Q1'25	Q4'24
Operating Cash Flow	N/A	N/A	$116.9M	N/A	N/A	N/A	$18.6M	N/A
Capital Expenditures	N/A	N/A	$2.7M	N/A	N/A	N/A	$3.4M	N/A
Free Cash Flow	N/A	N/A	$114.2M	N/A	N/A	N/A	$15.1M	N/A
Investing Cash Flow	N/A	N/A	-$184.9M	N/A	N/A	N/A	-$370.0M	N/A
Financing Cash Flow	N/A	N/A	$140.0M	N/A	N/A	N/A	$395.4M	N/A
Dividends Paid	N/A	N/A	$14.1M	N/A	N/A	N/A	$10.5M	N/A
Share Buybacks	N/A	N/A	$20.7M	N/A	N/A	N/A	$4.9M	N/A

ABCB Financial Ratios

Metric	FY24	FY24	FY24	FY23	FY22	FY21
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	26.0%+5.0pp	21.0%-17.8pp	38.8%-14.8pp	53.6%+17.6pp	36.1%+10.7pp	25.4%
Return on Equity	9.6%+1.7pp	7.8%-3.0pp	10.8%-1.9pp	12.7%+2.8pp	9.9%+3.4pp	6.5%
Return on Assets	1.4%+0.3pp	1.1%-0.3pp	1.4%-0.2pp	1.6%+0.3pp	1.3%+0.4pp	0.9%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	6.00-0.4	6.36-0.5	6.84-0.2	7.04+0.3	6.72+0.3	6.39
FCF Margin	10.2%-32.9pp	43.1%-74.3pp	117.3%+119.7pp	-2.3%-109.7pp	107.4%+257.0pp	-149.6%

Metric	Q3'25	Q2'25	Q1'25	Q3'25	Q3'25	Q2'25	Q1'25	Q4'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	29.9%-1.7pp	31.6%+5.2pp	26.4%-0.9pp	27.3%-0.7pp	27.9%+1.8pp	26.1%+3.6pp	22.6%+2.7pp	19.9%
Return on Equity	2.6%-0.2pp	2.8%+0.5pp	2.3%-0.2pp	2.5%-0.2pp	2.7%+0.1pp	2.5%+0.4pp	2.1%+0.2pp	1.9%
Return on Assets	0.4%-0.0pp	0.4%+0.1pp	0.3%-0.0pp	0.4%-0.0pp	0.4%+0.0pp	0.3%+0.1pp	0.3%+0.0pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	5.75-0.1	5.81-0.1	5.93-0.1	6.00-0.2	6.17-0.3	6.44+0.1	6.360.0	6.36
FCF Margin	N/A	N/A	34.2%	N/A	N/A	N/A	4.6%	N/A

Financial Health Signals

Financial Profile 35/100

Profitability

N/A

Growth

Leverage

Liquidity

N/A

Cash Flow

Returns

Based on FY2024 annual data. Scores normalized against common benchmarks.

Piotroski F-Score Neutral

4/9

Financial strength trend (9 signals). 7-9 = strong, 0-3 = weak.

Earnings Quality Low Quality

0.43x

Operating cash flow vs net income. Above 1.0x = cash-backed earnings.

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Frequently Asked Questions

What is Ameris Bancorp's annual revenue?

Ameris Bancorp (ABCB) reported $1.4B in total revenue for fiscal year 2024. This represents a 7.6% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Ameris Bancorp's revenue growing?

Ameris Bancorp (ABCB) revenue grew by 7.6% year-over-year, from $1.3B to $1.4B in fiscal year 2024.

Is Ameris Bancorp profitable?

Yes, Ameris Bancorp (ABCB) reported a net income of $358.7M in fiscal year 2024, with a net profit margin of 26.0%.

What is Ameris Bancorp's earnings per share (EPS)?

Ameris Bancorp (ABCB) reported diluted earnings per share of $5.19 for fiscal year 2024. This represents a 33.4% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

What is Ameris Bancorp's net profit margin?

Ameris Bancorp (ABCB) had a net profit margin of 26.0% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

Does Ameris Bancorp pay dividends?

Yes, Ameris Bancorp (ABCB) paid $0.65 per share in dividends during fiscal year 2024.

What is Ameris Bancorp's return on equity (ROE)?

Ameris Bancorp (ABCB) has a return on equity of 9.6% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is Ameris Bancorp's free cash flow?

Ameris Bancorp (ABCB) generated $140.7M in free cash flow during fiscal year 2024. This represents a -74.5% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Ameris Bancorp's operating cash flow?

Ameris Bancorp (ABCB) generated $154.2M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Ameris Bancorp's total assets?

Ameris Bancorp (ABCB) had $26.3B in total assets as of fiscal year 2024, including both current and long-term assets.

What are Ameris Bancorp's capital expenditures?

Ameris Bancorp (ABCB) invested $13.5M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

Does Ameris Bancorp buy back shares?

Yes, Ameris Bancorp (ABCB) spent $8.0M on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.

What is Ameris Bancorp's debt-to-equity ratio?

Ameris Bancorp (ABCB) had a debt-to-equity ratio of 6.00 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Ameris Bancorp's return on assets (ROA)?

Ameris Bancorp (ABCB) had a return on assets of 1.4% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is Ameris Bancorp's Piotroski F-Score?

Ameris Bancorp (ABCB) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals.

Are Ameris Bancorp's earnings high quality?

Ameris Bancorp (ABCB) has an earnings quality ratio of 0.43x, considered low quality (accrual-driven). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation.

How financially healthy is Ameris Bancorp?

Ameris Bancorp (ABCB) scores 35 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks.