Ameris Bancorp Financials
Ameris Bancorp (ABCB) reported $1.4B in revenue for fiscal year 2025, up 1.2% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).
Ameris Bancorp’s profit engine is showing better cash conversion and lower leverage dependence than the weaker FY2023–FY2024 stretch.
The company is earning more on each asset dollar again: ROA returned to1.5% as debt-to-equity eased to 5.8x. Paired with net income recovering to$412.2M , that suggests the rebound did not depend on stretching the balance sheet harder.
The latest year’s cash generation looked more convincing because operating cash flow reached
The latest profit improvement was not driven by much more revenue: revenue increased only
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Ameris Bancorp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Ameris Bancorp passes 3 of 5 computable financial strength tests (4 of the nine could not be computed from available data). 3 of 4 profitability signals pass, neither operating efficiency signal passes.
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
Earnings & Revenue
Ameris Bancorp generated $1.4B in revenue in fiscal year 2025. This represents an increase of 1.2% from the prior year.
Ameris Bancorp reported $412.2M in net income in fiscal year 2025. This represents an increase of 14.9% from the prior year.
Ameris Bancorp earned $6.00 per diluted share (EPS) in fiscal year 2025. This represents an increase of 15.6% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
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.
Ameris Bancorp held $1.1B in cash as of fiscal year 2025; long-term debt is not reported for that period.
Ameris Bancorp paid $0.80 per share in dividends in fiscal year 2025. This represents an increase of 23.1% from the prior year.
Margins & Returns
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.
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.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
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.
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.
Not reported for fiscal year 2025.
ABCB Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.4B | $1.4B+1.2% | $1.4B+7.6% | $1.3B+43.2% | $893.9M+27.1% | $703.1M-3.2% | $726.5M+14.2% | $636.4M+54.0% | $413.3M+40.4% | $294.3M+23.1% | $239.1M+25.6% | $190.4M+15.7% | $164.6M+30.3% | $126.3M-2.4% | $129.5M-8.2% | $141.1M |
| SG&A Expenses | $355.8M | $348.9M+0.4% | $347.6M+8.6% | $320.1M+0.1% | $319.7M-5.3% | $337.8M-6.2% | $360.3M+60.9% | $223.9M+50.2% | $149.1M+24.5% | $119.8M+12.1% | $106.8M+13.7% | $94.0M+27.2% | $73.9M+30.4% | $56.7M+6.7% | $53.1M+32.1% | $40.2M |
| Interest Expense | $450.3M | $457.6M-13.5% | $529.1M+18.8% | $445.4M+379.6% | $92.9M+94.3% | $47.8M-46.2% | $88.8M-32.4% | $131.2M+87.6% | $69.9M+104.4% | $34.2M+73.8% | $19.7M+32.6% | $14.9M+1.2% | $14.7M+44.8% | $10.1M-32.8% | $15.1M-45.3% | $27.5M |
| Income Tax | $108.6M | $121.6M+3.8% | $117.2M+33.4% | $87.8M-17.6% | $106.6M-10.6% | $119.2M+52.3% | $78.3M+56.1% | $50.1M+64.6% | $30.5M-40.0% | $50.7M+53.1% | $33.1M+108.5% | $15.9M-9.1% | $17.5M+88.3% | $9.3M+27.5% | $7.3M-31.0% | $10.6M |
| Net Income | $376.4M | $412.2M+14.9% | $358.7M+33.3% | $269.1M-22.3% | $346.5M-8.1% | $376.9M+43.9% | $262.0M+62.3% | $161.4M+33.4% | $121.0M+64.6% | $73.5M+2.0% | $72.1M+76.5% | $40.8M+5.5% | $38.7M+93.4% | $20.0M+38.7% | $14.4M-31.6% | $21.1M |
| EPS (Diluted) | — | $6.00+15.6% | $5.19+33.4% | $3.89-22.0% | $4.99-7.6% | $5.40+43.2% | $3.77+37.1% | $2.75-1.8% | $2.80+41.4% | $1.98-4.8% | $2.08+63.8% | $1.27-13.0% | $1.46+94.7% | $0.75+63.0% | $0.46-39.5% | $0.76 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
ABCB Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $27.5B+4.8% | $26.3B+4.2% | $25.2B+0.6% | $25.1B+5.0% | $23.9B+16.7% | $20.4B+12.0% | $18.2B+59.4% | $11.4B+45.7% | $7.9B+14.0% | $6.9B+23.3% | $5.6B+38.4% | $4.0B+10.1% | $3.7B+21.5% | $3.0B+0.8% | $3.0B |
| Cash & Equivalents | $1.1B-10.8% | $1.2B+4.5% | $1.2B+4.4% | $1.1B-72.5% | $4.1B+92.0% | $2.1B+240.5% | $621.8M-8.5% | $679.5M+105.5% | $330.7M+66.7% | $198.4M-49.2% | $390.6M | 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-0.4% | $931.6M+85.1% | $503.4M+301.0% | $125.5M0.0% | $125.5M+39.4% | $90.1M+41.8% | $63.5M+81.3% | $35.0M+3566.2% | $956K0.0% | $956K |
| Total Liabilities | $23.4B+4.1% | $22.5B+3.4% | $21.8B-0.4% | $21.9B+4.6% | $20.9B+17.4% | $17.8B+12.8% | $15.8B+57.9% | $10.0B+41.6% | $7.1B+12.9% | $6.2B+23.1% | $5.1B+38.2% | $3.7B+9.6% | $3.4B+22.3% | $2.7B+1.5% | $2.7B |
| Total Equity | $4.1B+8.6% | $3.8B+9.5% | $3.4B+7.2% | $3.2B+7.8% | $3.0B+12.1% | $2.6B+7.2% | $2.5B+69.6% | $1.5B+81.0% | $804.5M+24.4% | $646.4M+25.6% | $514.8M+40.6% | $366.0M+15.6% | $316.7M+13.5% | $279.0M-5.0% | $293.8M |
| Retained Earnings | $2.2B+19.3% | $1.9B+20.4% | $1.5B+17.4% | $1.3B+30.3% | $1.0B+49.9% | $671.5M+32.2% | $507.9M+34.7% | $377.1M+38.1% | $273.1M+27.4% | $214.5M+40.3% | $152.8M+29.1% | $118.4M+41.0% | $84.0M+27.8% | $65.7M+19.8% | $54.9M |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Long-Term Debt.
ABCB Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $548.5M | $390.2M+153.0% | $154.2M-72.9% | $569.0M-46.4% | $1.1B+11524.4% | $9.1M-98.9% | $798.4M+184.9% | -$940.2M-764.1% | -$108.8M-73.9% | -$62.6M+10.3% | -$69.8M-176.6% | -$25.2M-350.7% | -$5.6M-116.6% | $33.6M+4.3% | $32.2M-30.2% | $46.2M |
| Capital Expenditures | $26.6M | $20.5M+52.4% | $13.5M-23.1% | $17.5M+29.2% | $13.6M-46.7% | $25.4M+40.5% | $18.1M+56.4% | $11.6M+15.7% | $10.0M+166.2% | $3.8M-65.7% | $11.0M-12.7% | $12.6M+120.3% | $5.7M+1.3% | $5.6M-37.8% | $9.1M-24.6% | $12.0M |
| Free Cash Flow | $522.0M | $369.6M+162.7% | $140.7M-74.5% | $551.4M-47.4% | $1.0B+6531.8% | -$16.3M-102.1% | $780.3M+182.0% | -$951.8M-701.1% | -$118.8M-79.1% | -$66.3M+17.9% | -$80.7M-113.6% | -$37.8M-234.4% | -$11.3M-140.4% | $28.0M+20.8% | $23.2M-32.1% | $34.1M |
| Investing Cash Flow | -$1.8B | -$1.3B-53.9% | -$846.7M-150.4% | -$338.2M+93.1% | -$4.9B-1057.9% | -$421.0M+64.9% | -$1.2B-146.5% | -$487.1M-813.6% | -$53.3M+92.0% | -$666.9M+16.9% | -$802.9M-378.3% | -$167.9M | N/A | $40.2M-90.3% | $414.5M+48.8% | $278.5M |
| Financing Cash Flow | $1.3B | $781.2M+4.8% | $745.6M+510.6% | -$181.6M-121.0% | $865.5M-63.3% | $2.4B+24.3% | $1.9B+38.6% | $1.4B+168.0% | $511.0M-40.7% | $861.7M+26.6% | $680.5M+64.6% | $413.3M | N/A | -$91.1M+78.9% | -$432.1M-29.6% | -$333.5M |
| Dividends Paid | $54.8M | $55.3M+33.3% | $41.5M-0.5% | $41.6M+0.1% | $41.6M-0.4% | $41.8M+0.3% | $41.7M+68.9% | $24.7M+50.4% | $16.4M+12.0% | $14.7M+70.7% | $8.6M+33.3% | $6.4M+60.3% | $4.0M | $0 | N/A | N/A |
| Share Buybacks | $152.5M | $82.9M+942.2% | $8.0M-60.9% | $20.3M-9.3% | $22.4M+137.5% | $9.4M+18.1% | $8.0M-56.6% | $18.4M+792.8% | $2.1M+132.7% | $886K-27.7% | $1.2M+67.3% | $732K+54.4% | $474K+308.6% | $116K-50.6% | $235K | N/A |
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
ABCB Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 29.6%+3.5pp | 26.0%+5.0pp | 21.0%-17.7pp | 38.8%-14.8pp | 53.6%+17.5pp | 36.1%+10.7pp | 25.4%-3.9pp | 29.3%+4.3pp | 25.0%-5.2pp | 30.2%+8.7pp | 21.4%-2.1pp | 23.5%+7.7pp | 15.8%+4.7pp | 11.2%-3.8pp | 14.9% |
| 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%+3.4pp | 6.5%-1.8pp | 8.3%-0.8pp | 9.1%-2.0pp | 11.2%+3.2pp | 7.9%-2.6pp | 10.6%+4.3pp | 6.3%+1.2pp | 5.2%-2.0pp | 7.2% |
| 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%+0.4pp | 0.9%-0.2pp | 1.1%+0.1pp | 0.9%-0.1pp | 1.1%+0.3pp | 0.7%-0.2pp | 1.0%+0.4pp | 0.5%+0.1pp | 0.5%-0.2pp | 0.7% |
| Debt-to-Equity | 5.75-0.2x | 6.00-0.4x | 6.36-0.5x | 6.84-0.2x | 7.04+0.3x | 6.72+0.3x | 6.39-0.5x | 6.86-1.9x | 8.77-0.9x | 9.66-0.2x | 9.86-0.2x | 10.03-0.6x | 10.58+0.8x | 9.82+0.6x | 9.19 |
| FCF Margin | 26.5%+16.3pp | 10.2%-32.9pp | 43.1% | 117.3% | -2.3% | 107.4% | -149.6% | -28.7%-6.2pp | -22.5%+11.2pp | -33.8%-13.9pp | -19.9%-13.0pp | -6.9%-29.0pp | 22.2%+4.3pp | 17.9%-6.3pp | 24.2% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: FCF Margin.
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Where Ameris Bancorp Ranks
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.
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 5 computable signals; 4 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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 67 out of 100 on our Financial Health Score, indicating strong standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.