Ameris Bancorp Financials
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).
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
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). 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's revenue grew a modest 1.2% year-over-year to $1.4B. This slow but positive growth earns a score of 41/100.
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.
Ameris Bancorp converts 26.5% of revenue into free cash flow ($369.6M). This strong cash generation earns a score of 87/100.
Ameris Bancorp's ROE of 10.1% shows moderate profitability relative to equity, earning a score of 32/100. This is up from 9.6% the prior year.
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.
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.
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 against $0 in long-term debt as of fiscal year 2025.
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.
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.
ABCB Income Statement
| Metric | Q2'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $351.8M-1.8% | $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 |
| 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 | $91.4M+11.4% | $82.0M-9.8% | $90.9M+1.8% | $89.3M+3.1% | $86.6M-1.4% | $87.8M-1.0% | $88.7M+0.6% | $88.2M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $107.3M-4.8% | $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 |
| Income Tax | $30.2M-7.7% | $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 |
| Net Income | $110.5M+1.9% | $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 |
| EPS (Diluted) | $1.63 | N/A | $1.54-3.8% | $1.60+26.0% | $1.27 | N/A | $1.44+9.1% | $1.32 |
ABCB Balance Sheet
| Metric | Q2'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $28.1B+2.2% | $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 |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $1.1B0.0% | $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 |
| 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 | $24.0B+2.5% | $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 |
| 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+0.1% | $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 |
| Retained Earnings | $2.3B+4.4% | $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 |
ABCB Cash Flow Statement
| Metric | Q2'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $257.1M+140.2% | $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 |
| Capital Expenditures | $7.7M+33.4% | $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 |
| Free Cash Flow | $249.4M+146.4% | $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 |
| Investing Cash Flow | -$509.9M-36.1% | -$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 |
| Financing Cash Flow | $493.1M+57.3% | $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 |
| Dividends Paid | $14.0M+2.7% | $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 |
| Share Buybacks | $83.6M+104.7% | $40.8M+381.1% | $8.5M-34.0% | $12.8M-38.1% | $20.7M+20041.7% | $103K | $0-100.0% | $3.0M |
ABCB Financial Ratios
| Metric | Q2'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| 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 | 31.4%+1.1pp | 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% |
| Return on Equity | 2.7%+0.1pp | 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% |
| Return on Assets | 0.4%0.0pp | 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% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 5.89+0.1 | 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 |
| FCF Margin | 70.9%+42.6pp | 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% |
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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.
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 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 27 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. Learn more in our complete guide to financial health indicators.