Ameris Bancorp director gifts 22K shares to foundation

Ameris Bancorp (ABCB) director James B. Miller Jr. reported a bona fide gift of 22,279.16 shares of common stock on 2026-08-18, moving those shares from his direct holdings to a foundation he is associated with.

Rhea-AI Filing Summary

Ameris Bancorp (ABCB) director James B. Miller Jr. reported a bona fide gift of 22,279.16 shares of common stock on 2026-08-18, moving those shares from his direct holdings to a foundation he is associated with. After the gift, he directly held 1,559,260.9255 shares, a figure that includes an additional 22.31065 shares acquired through a dividend reinvestment plan, and the foundation held 299,624.8430 shares indirectly for him. He also reported indirect holdings of 212,922.4364 shares through a limited partnership, 96,576.7166 shares through a spouse’s estate trust, and 22.8949 shares in a 401(k) account.

Insider Trade Summary

44,558.32 shares gifted

Gift 5 txns

Insider MILLER JAMES B JR

Role Director

Type	Security	Shares	Price	Value
Gift	Common Stock F1	22,279.16	$0.00	$0.00
Gift	Common Stock	22,279.16	$0.00	$0.00
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 1,559,260.9255 shares (Direct); Common Stock — 299,624.843 shares (Indirect, Foundation); Common Stock — 212,922.4364 shares (Indirect, Ltd Partnership); Common Stock — 96,576.7166 shares (Indirect, Trust - Spouse Estate); Common Stock — 22.8949 shares (Indirect, 401(k))

Footnotes (1)

1. F1. This total includes an additional 22.31065 shares acquired by the reporting person as a participant in a dividend reinvestment plan.

Key Figures

Gifted shares: 22,279.1600 shares Direct holdings after transaction: 1,559,260.9255 shares Dividend reinvestment plan shares: 22.31065 shares +5 more

8 metrics

Gifted shares 22,279.1600 shares Common stock transferred as a bona fide gift on 2026-08-18

Direct holdings after transaction 1,559,260.9255 shares Direct Ameris Bancorp common stock held by James B. Miller Jr. after the gift

Dividend reinvestment plan shares 22.31065 shares Additional shares included in direct total via dividend reinvestment plan

Foundation indirect holdings 299,624.8430 shares Ameris Bancorp common stock held indirectly through a foundation after the gift

Limited partnership holdings 212,922.4364 shares Indirect Ameris Bancorp holdings via a limited partnership

Spouse estate trust holdings 96,576.7166 shares Indirect Ameris Bancorp holdings through a spouse’s estate trust

401(k) holdings 22.8949 shares Indirect Ameris Bancorp holdings in a 401(k) account

Total gifted shares reported 44,558.32 shares Aggregate shares involved in gift transactions per transactionSummary giftShares

Key Terms

bona fide gift, dividend reinvestment plan, indirect ownership, 401(k)

4 terms

bona fide gift financial

"transaction_code_description: "Bona fide gift""

A bona fide gift is a genuine, voluntary transfer of money, property, or benefits from one party to another made without expectation of repayment, services, or hidden conditions. Investors care because such gifts can affect company disclosures, related‑party transaction rules, tax treatment, and perceived conflicts of interest; think of it like someone giving you a present with no strings attached — but on a corporate scale, auditors and regulators need to verify it really is unconditional.

dividend reinvestment plan financial

"acquired by the reporting person as a participant in a dividend reinvestment plan"

A dividend reinvestment plan lets shareholders automatically use cash dividends to buy more shares of the same company instead of receiving the money. It matters to investors because it turns regular payouts into a steady way to grow ownership and take advantage of compound returns—like having your savings automatically buy additional slices of a pie over time—while often reducing transaction costs and smoothing purchase timing.

indirect ownership financial

"Indirect ownership reported through a foundation, limited partnership, trust and 401(k)"

401(k) financial

"nature_of_ownership: "401(k)""

A 401(k) is a type of retirement savings plan offered by employers that allows workers to set aside a portion of their paycheck before taxes are taken out. The money saved in a 401(k) can grow over time through investments, helping individuals build funds for their future retirement. It matters to investors because it provides a tax-advantaged way to save and invest for long-term financial security.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transaction did James B. Miller Jr. report at Ameris Bancorp (ABCB)?

James B. Miller Jr. reported a bona fide gift of 22,279.16 Ameris Bancorp common shares on 2026-08-18, transferring them from his direct ownership to a foundation, with no sale proceeds involved and no open-market trading reported.

How many Ameris Bancorp (ABCB) shares does James B. Miller Jr. hold directly after the reported gift?

After the gift, James B. Miller Jr. held 1,559,260.9255 Ameris Bancorp shares directly. This total includes 22.31065 additional shares acquired as a participant in a dividend reinvestment plan, according to the footnote disclosure.

What indirect Ameris Bancorp (ABCB) holdings does James B. Miller Jr. report?

He reports indirect Ameris Bancorp holdings of 299,624.8430 shares through a foundation, 212,922.4364 shares via a limited partnership, 96,576.7166 shares through a spouse’s estate trust, and 22.8949 shares in a 401(k) account.

Was the Ameris Bancorp (ABCB) Form 4 transaction a sale or a gift?

The Form 4 reports a bona fide gift, not a sale. 22,279.16 Ameris Bancorp shares were disposed of from direct ownership and acquired by a foundation, both coded as G (gift) with a per-share price of $0.0000.

Did the Ameris Bancorp (ABCB) insider transaction involve derivative securities?

No derivative transactions were reported. The filing shows 0 derivative transactions and no option exercises, covering only common stock holdings and a single gift transfer between direct ownership and a foundation.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 08/19/2026 - 03:44 PM Accepted by SEC EDGAR 08/19/2026 - 03:44 PM Learn about SEC filing dates

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

MILLER JAMES B JR

(Last) (First) (Middle)

3490 PIEDMONT RD NE

STE 1550

(Street)

ATLANTA GEORGIA 30305

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
Ameris Bancorp [ ABCB ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
08/18/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	08/18/2026		G		22,279.16	D	$0	1,559,260.9255(1)	D
Common Stock	08/18/2026		G		22,279.16	A	$0	299,624.843	I	Foundation
Common Stock								212,922.4364	I	Ltd Partnership
Common Stock								96,576.7166	I	Trust - Spouse Estate
Common Stock								22.8949	I	401(k)

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. This total includes an additional 22.31065 shares acquired by the reporting person as a participant in a dividend reinvestment plan.

Remarks:

	James B. Miller, Jr. by Elna Kolarich as Attorney-In-Fact	08/19/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)