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

Ameris Bancorp (ABCB) reported diluted earnings per share of $6.00 for fiscal year 2025. This represents a 15.6% 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.

Ameris Bancorp Financials

ABCB

Source SEC Filings (10-K/10-Q) Updated Dec 31, 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 17 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).

Financial Health Signals

Financial Profile 40/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Ameris Bancorp's revenue grew a modest 1.2% year-over-year to $1.4B. This slow but positive growth earns a score of 35/100.

Leverage

Ameris Bancorp has elevated debt relative to equity (D/E of 5.75), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

Ameris Bancorp converts 26.5% of revenue into free cash flow ($369.6M). This strong cash generation earns a score of 91/100.

Returns

Ameris Bancorp's ROE of 10.1% shows moderate profitability relative to equity, earning a score of 34/100. This is up from 9.6% the prior year.

Piotroski F-Score Weak

3/9

Ameris Bancorp passes 3 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Mixed

0.95x

For every $1 of reported earnings, Ameris Bancorp generates $0.95 in operating cash flow ($390.2M OCF vs $412.2M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue

$1.4B

YoY+1.2%

5Y CAGR+13.9%

10Y CAGR+22.0%

Ameris Bancorp generated $1.4B in revenue in fiscal year 2025. This represents an increase of 1.2% from the prior year.

EBITDA

N/A

Net Income

$412.2M

YoY+14.9%

5Y CAGR+9.5%

10Y CAGR+26.0%

Ameris Bancorp reported $412.2M in net income in fiscal year 2025. This represents an increase of 14.9% from the prior year.

EPS (Diluted)

$6.00

YoY+15.6%

5Y CAGR+9.7%

10Y CAGR+16.8%

Ameris Bancorp earned $6.00 per diluted share (EPS) in fiscal year 2025. This represents an increase of 15.6% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$369.6M

YoY+162.7%

5Y CAGR-13.9%

Ameris Bancorp generated $369.6M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 162.7% from the prior year.

Cash & Debt

$1.1B

YoY-10.8%

5Y CAGR-12.5%

10Y CAGR+10.8%

Ameris Bancorp held $1.1B in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.80

YoY+23.1%

5Y CAGR+5.9%

10Y CAGR+14.9%

Ameris Bancorp paid $0.80 per share in dividends in fiscal year 2025. This represents an increase of 23.1% from the prior year.

Shares Outstanding

N/A

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

29.6%

YoY+3.5pp

5Y CAGR-6.5pp

10Y CAGR+8.1pp

Ameris Bancorp's net profit margin was 29.6% in fiscal year 2025, showing the share of revenue converted to profit. This is up 3.5 percentage points from the prior year.

Return on Equity

10.1%

YoY+0.5pp

5Y CAGR+0.2pp

10Y CAGR+2.2pp

Ameris Bancorp's ROE was 10.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.5 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$82.9M

YoY+942.2%

5Y CAGR+59.6%

10Y CAGR+60.5%

Ameris Bancorp spent $82.9M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 942.2% from the prior year.

Capital Expenditures

$20.5M

YoY+52.4%

5Y CAGR+2.5%

10Y CAGR+5.0%

Ameris Bancorp invested $20.5M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 52.4% from the prior year.

ABCB Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$1.4B+1.2%	$1.4B+7.6%	$1.3B+43.2%	$893.9M+27.1%	$703.1M-3.2%	$726.5M
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	$457.6M-13.5%	$529.1M+18.8%	$445.4M+379.6%	$92.9M+94.3%	$47.8M-46.2%	$88.8M
Income Tax	$121.6M+3.8%	$117.2M+33.4%	$87.8M-17.6%	$106.6M-10.6%	$119.2M+52.3%	$78.3M
Net Income	$412.2M+14.9%	$358.7M+33.3%	$269.1M-22.3%	$346.5M-8.1%	$376.9M+43.9%	$262.0M
EPS (Diluted)	$6.00+15.6%	$5.19+33.4%	$3.89-22.0%	$4.99-7.6%	$5.40+43.2%	$3.77

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$358.1M+0.8%	$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
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	$112.8M-3.7%	$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
Income Tax	$32.7M+5.6%	$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
Net Income	$108.4M+2.2%	$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
EPS (Diluted)	N/A	$1.54-3.8%	$1.60+26.0%	$1.27	N/A	$1.44+9.1%	$1.32+22.2%	$1.08

ABCB Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$27.5B+4.8%	$26.3B+4.2%	$25.2B+0.6%	$25.1B+5.0%	$23.9B+16.7%	$20.4B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$1.1B-10.8%	$1.2B+4.5%	$1.2B+4.4%	$1.1B-72.5%	$4.1B+92.0%	$2.1B
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%	$1.0B0.0%	$1.0B+0.3%	$1.0B+9.1%	$928.0M
Total Liabilities	$23.4B+4.1%	$22.5B+3.4%	$21.8B-0.4%	$21.9B+4.6%	$20.9B+17.4%	$17.8B
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	$4.1B+8.6%	$3.8B+9.5%	$3.4B+7.2%	$3.2B+7.8%	$3.0B+12.1%	$2.6B
Retained Earnings	$2.2B+19.3%	$1.9B+20.4%	$1.5B+17.4%	$1.3B+30.3%	$1.0B+49.9%	$671.5M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$27.5B+1.5%	$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
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$1.1B+4.4%	$1.0B-10.9%	$1.2B-9.4%	$1.3B+5.9%	$1.2B-10.2%	$1.4B-0.2%	$1.4B+12.5%	$1.2B
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	$23.4B+1.5%	$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
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	$4.1B+1.5%	$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
Retained Earnings	$2.2B+4.5%	$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

ABCB Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$390.2M+153.0%	$154.2M-72.9%	$569.0M-46.4%	$1.1B+11524.4%	$9.1M-98.9%	$798.4M
Capital Expenditures	$20.5M+52.4%	$13.5M-23.1%	$17.5M+29.2%	$13.6M-46.7%	$25.4M+40.5%	$18.1M
Free Cash Flow	$369.6M+162.7%	$140.7M-74.5%	$551.4M-47.4%	$1.0B+6531.8%	-$16.3M-102.1%	$780.3M
Investing Cash Flow	-$1.3B-53.9%	-$846.7M-150.4%	-$338.2M+93.1%	-$4.9B-1057.9%	-$421.0M+64.9%	-$1.2B
Financing Cash Flow	$781.2M+4.8%	$745.6M+510.6%	-$181.6M-121.0%	$865.5M-63.3%	$2.4B+24.3%	$1.9B
Dividends Paid	$55.3M+33.3%	$41.5M-0.5%	$41.6M+0.1%	$41.6M-0.4%	$41.8M+0.3%	$41.7M
Share Buybacks	$82.9M+942.2%	$8.0M-60.9%	$20.3M-9.3%	$22.4M+137.5%	$9.4M+18.1%	$8.0M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$107.0M+2.0%	$104.9M+71.0%	$61.4M-47.5%	$116.9M-10.5%	$130.5M+27.7%	$102.2M+205.3%	-$97.1M-622.4%	$18.6M
Capital Expenditures	$5.8M+32.0%	$4.4M-42.5%	$7.7M+184.7%	$2.7M-38.3%	$4.4M+80.9%	$2.4M-26.5%	$3.3M-4.7%	$3.4M
Free Cash Flow	$101.2M+0.7%	$100.5M+87.1%	$53.7M-52.9%	$114.2M-9.5%	$126.1M+26.4%	$99.8M+199.4%	-$100.3M-762.6%	$15.1M
Investing Cash Flow	-$374.7M+19.6%	-$466.2M-68.2%	-$277.1M-49.9%	-$184.9M-299.6%	-$46.3M-166.1%	$70.0M+114.0%	-$500.4M-35.2%	-$370.0M
Financing Cash Flow	$313.4M+33.8%	$234.2M+150.2%	$93.6M-33.1%	$140.0M+162.8%	-$223.0M-27.3%	-$175.2M-123.4%	$748.4M+89.3%	$395.4M
Dividends Paid	$13.7M-0.2%	$13.7M-0.4%	$13.7M-2.7%	$14.1M+36.9%	$10.3M0.0%	$10.3M-0.2%	$10.3M-1.3%	$10.5M
Share Buybacks	$40.8M+381.1%	$8.5M-34.0%	$12.8M-38.1%	$20.7M+20041.7%	$103K	$0-100.0%	$3.0M-39.6%	$4.9M

ABCB Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
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	29.6%+3.5pp	26.0%+5.0pp	21.0%-17.8pp	38.8%-14.8pp	53.6%+17.6pp	36.1%
Return on Equity	10.1%+0.5pp	9.6%+1.7pp	7.8%-3.0pp	10.8%-1.9pp	12.7%+2.8pp	9.9%
Return on Assets	1.5%+0.1pp	1.4%+0.3pp	1.1%-0.3pp	1.4%-0.2pp	1.6%+0.3pp	1.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	5.75-0.2	6.00-0.4	6.36-0.5	6.84-0.2	7.04+0.3	6.72
FCF Margin	26.5%+16.3pp	10.2%-32.9pp	43.1%-74.3pp	117.3%+119.7pp	-2.3%-109.7pp	107.4%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
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	30.3%+0.4pp	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%
Return on Equity	2.7%+0.0pp	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%
Return on Assets	0.4%0.0pp	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%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	5.750.0	5.75-0.1	5.81-0.1	5.93-0.1	6.00-0.2	6.17-0.3	6.44+0.1	6.36
FCF Margin	28.3%-0.0pp	28.3%+12.9pp	15.4%-18.8pp	34.2%-2.2pp	36.4%+8.3pp	28.1%+57.0pp	-28.9%-33.5pp	4.6%

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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 2025. This represents a 1.2% 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 1.2% year-over-year, from $1.4B to $1.4B in fiscal year 2025.

Is Ameris Bancorp profitable?

Yes, Ameris Bancorp (ABCB) reported a net income of $412.2M in fiscal year 2025, with a net profit margin of 29.6%.

What is Ameris Bancorp's net profit margin?

Ameris Bancorp (ABCB) had a net profit margin of 29.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Ameris Bancorp pay dividends?

Yes, Ameris Bancorp (ABCB) paid $0.80 per share in dividends during fiscal year 2025.

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

Ameris Bancorp (ABCB) has a return on equity of 10.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Ameris Bancorp's free cash flow?

Ameris Bancorp (ABCB) generated $369.6M in free cash flow during fiscal year 2025. This represents a 162.7% 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 $390.2M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Ameris Bancorp's total assets?

Ameris Bancorp (ABCB) had $27.5B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Ameris Bancorp's capital expenditures?

Ameris Bancorp (ABCB) invested $20.5M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Ameris Bancorp buy back shares?

Yes, Ameris Bancorp (ABCB) spent $82.9M on share buybacks during fiscal year 2025, 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 5.75 as of fiscal year 2025, 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 1.5% for fiscal year 2025, 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 3 out of 9, indicating weak 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. Learn more in our complete guide to financial health indicators.

Are Ameris Bancorp's earnings high quality?

Ameris Bancorp (ABCB) has an earnings quality ratio of 0.95x, considered mixed quality. 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. Learn more in our complete guide to financial health indicators.

How financially healthy is Ameris Bancorp?

Ameris Bancorp (ABCB) scores 40 out of 100 on our Financial Profile, indicating moderate 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. Learn more in our complete guide to financial health indicators.