Ameris Bancorp

ABCB

Ameris Bancorp

ABCB

Insider Sentiment (TTM):

Last Purchase:2025-12-08Last Sale:2026-03-09Shares Purchased (TTM):627.9Shares Sold (TTM):6,847.68

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:61,117,301Shares Outstanding:67,540,444Institutional Ownership Pct.:90.49%

Earnings Market Reaction:

Filing Date:2026-05-08Price on Filing Date:N/APrevious Close:N/A% Change:N/A

Companies in State Commercial Banks

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Ameris Bancorp (ABCB) — SEC Financial Statements & Analysis

Ameris Bancorp (ABCB) files its annual 10-K and quarterly 10-Q reports directly with the SEC. The financial data below is sourced as-filed from EDGAR — balance sheet, income statement, and cash flow as reported, without normalization or third-party adjustments.

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30
Assets
Cash And Due From Banks	235	254	217	250	253	245	232	257	236	230	241	285
Federal Funds Sold	-	-	-	-	-	-	-	-	-	-	1,305	1,035
Interest Bearing Deposits In Banks	1,094	835	826	921	1,039	975	1,128	1,105	975	937	-	-
Cash Cash Equivalents And Federal Funds Sold	1,329	1,089	1,043	1,170	1,292	1,220	1,359	1,362	1,211	1,167	1,546	1,319
Debt Securities Available For Sale Excluding Accru…	2,353	2,207	2,132	1,871	1,943	1,671	1,442	1,531	1,414	1,403	1,424	1,460
Debt Securities Held To Maturity Excluding Accrued…	203	203	203	176	174	165	161	149	147	142	142	143
Other Investments	101	85	71	70	66	66	64	97	77	72	105	110
Loans Receivable Held For Sale Amount	497	623	604	544	545	529	553	570	364	281	381	391
Financing Receivable Excluding Accrued Interest Be…	21,828	21,514	21,258	21,041	20,707	20,740	20,965	20,993	20,600	20,269	20,201	20,472
Financing Receivable Allowance For Credit Loss Exc…	-355	-348	-345	-342	-346	-338	-334	-336	-320	-307	-290	-272
Financing Receivable Excluding Accrued Interest Af…	21,473	21,165	20,913	20,700	20,361	20,402	20,631	20,656	20,280	19,962	19,911	20,200
Real Estate Acquired Through Foreclosure	3	3	3	2	1	2	9	2	2	6	3	6
Property Plant And Equipment Net	216	213	212	211	208	209	211	213	215	216	218	219
Goodwill	1,016	1,016	1,016	1,016	1,016	1,016	1,016	1,016	1,016	1,016	1,016	1,016
Other Intangible Assets Net	51	55	59	63	67	71	75	79	84	88	92	97
Bank Owned Life Insurance	424	421	417	414	411	409	461	376	397	396	394	391
Other Assets	443	436	428	442	432	502	418	469	448	455	466	449
Assets	28,110	27,516	27,100	26,680	26,515	26,262	26,400	26,521	25,655	25,204	25,698	25,801
Liabilities
Deposits
Noninterest Bearing Deposit Liabilities	6,749	6,426	6,757	6,801	6,745	6,498	6,670	6,649	6,538	6,492	6,590	6,707
Interest Bearing Deposit Liabilities	15,888	15,950	15,471	15,132	15,168	15,224	15,209	14,795	14,459	14,217	14,001	13,736
Deposits	22,637	22,376	22,228	21,933	21,912	21,722	21,879	21,444	20,997	20,709	20,590	20,443
Other Borrowings	888	558	337	377	277	292	346	946	631	510	1,210	1,537
Subordinated Debt	135	134	134	133	133	132	132	131	131	130	130	129
Other Liabilities	368	372	384	320	369	364	361	432	411	429	421	407
Liabilities	24,028	23,440	23,083	22,762	22,691	22,511	22,718	22,954	22,171	21,777	22,351	22,516
Stockholders Equity
Preferred Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Value	73	73	73	73	73	73	73	73	73	73	73	73
Additional Paid In Capital Common Stock	1,974	1,971	1,968	1,965	1,962	1,959	1,955	1,951	1,948	1,945	1,943	1,940
Retained Earnings Accumulated Deficit	2,307	2,210	2,116	2,023	1,927	1,853	1,773	1,684	1,604	1,540	1,484	1,415
Accumulated Other Comprehensive Income Loss Net Of…	-1	8	5	-7	-14	-30	-16	-38	-40	-36	-61	-51
Treasury Stock Common Value	-271	-187	-145	-137	-124	-103	-103	-103	-100	-95	-92	-92
Stockholders Equity	4,082	4,076	4,017	3,918	3,824	3,752	3,681	3,567	3,485	3,427	3,347	3,285
Liabilities And Stockholders Equity	28,110	27,516	27,100	26,680	26,515	26,262	26,400	26,521	25,655	25,204	25,698	25,801
Debt Securities Available For Sale Amortized Cost …	0	0	0	0	0	0	0	0	0	0	0	0
Debt Securities Held To Maturity Allowance For Cre…	0	0	0	0	0	0	0	0	0	0	0	0
Held To Maturity Securities Fair Value	187	190	188	159	155	144	146	128	127	123	116	122
Preferred Stock Par Or Stated Value Per Share	1,000	1,000	1,000	1,000	1,000	1,000	1,000	1,000	1,000	1,000	1,000	1,000
Preferred Stock Shares Authorized	5	5	5	5	5	5	5	5	5	5	5	5
Preferred Stock Shares Issued	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Outstanding	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Par Or Stated Value Per Share	1	1	1	1	1	1	1	1	1	1	1	1
Common Stock Shares Authorized	200	200	200	200	200	200	200	200	200	200	200	200
Common Stock Shares Issued	73	73	73	73	73	73	73	73	73	73	73	73
Treasury Stock Common Shares	6	5	4	4	4	4	4	4	4	3	3	3

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	-2.55%	5.18%	-	-	-	-	-	-	-	-	-	-
2025	1.84%	7.55%	10.38%	9.21%	11.56%	10.61%	2.82%	3.15%	9.47%	-9.76%	3.58%	0.27%
2024	-0.24%	0.87%	23.63%	8.66%	8.11%	8.25%	0.83%	-9.54%	-7.29%	-10.53%	-17.33%	-1.40%
2023	-	-	-	-6.35%	-13.58%	-19.09%	12.88%	32.80%	32.02%	3.98%	2.74%	12.00%
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Performance and Valuation Metrics

Metrics	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30
Leverage & Debt
Interest Coverage TTM	-0.41	-0.43	-0.45	-0.44	-0.44	-0.06	0.37	0.97	1.77	1.80	2.06	2.53
Per Share Metrics
Diluted EPS TTM	6.41	6.00	5.60	5.49	5.39	5.19	4.58	4.31	4.10	3.89	4.44	4.62
Free Cash Flow Per Share TTM	7.48	5.40	5.77	5.74	3.49	2.05	3.22	3.63	6.37	7.99	4.96	8.11
Dividend Per Share TTM	0.82	0.81	0.76	0.71	0.66	0.60	0.60	0.60	0.60	0.60	0.61	0.60
Margin Metrics
Gross Profit Margin TTM	67.93%	67.19%	66.06%	64.32%	62.90%	61.61%	54.94%	55.47%	56.36%	58.65%	69.82%	76.25%
Operating Profit Margin TTM	39.76%	38.28%	37.51%	36.70%	35.54%	34.53%	32.27%	31.31%	28.60%	27.88%	30.37%	34.39%
Net Profit Margin TTM	30.78%	29.56%	27.81%	27.31%	26.93%	26.02%	23.19%	22.19%	21.53%	21.02%	25.10%	28.35%
Growth Metrics
Net Revenue Growth (1Y)	2.16%	1.18%	1.37%	3.24%	5.21%	7.64%	11.64%	19.01%	30.60%	43.24%	53.00%	52.66%
Net Income Growth (1Y)	16.76%	14.91%	21.56%	27.07%	31.56%	33.29%	3.16%	-6.85%	-12.99%	-22.35%	-21.27%	-15.72%
EPS Growth (1Y)	18.91%	15.51%	22.26%	27.50%	31.60%	33.61%	3.28%	-6.62%	-12.54%	-22.10%	-20.99%	-15.55%
Valuation Metrics
P/E TTM	12.09	12.27	12.94	11.63	10.50	11.80	13.30	11.40	11.47	13.21	8.36	7.14
P/B	1.29	1.24	1.24	1.12	1.02	1.13	1.14	0.95	0.93	1.04	0.77	0.69
P/S TTM	3.72	3.63	3.60	3.18	2.83	3.07	3.08	2.53	2.47	2.78	2.10	2.02
Market Cap	5.26B	5.06B	4.98B	4.39B	3.91B	4.23B	4.21B	3.39B	3.25B	3.56B	2.56B	2.28B
Enterprise Value	3.93B	3.97B	3.93B	3.22B	2.62B	3.01B	2.85B	2.03B	2.03B	2.39B	1.02B	958.59M
Calculated Values
Free Cash Flow TTM	504.89M	369.64M	394.56M	393.80M	239.74M	140.72M	221.61M	249.95M	438.13M	551.43M	341.81M	559.51M
Net Debt	-1.33B	-1.09B	-1.04B	-1.17B	-1.29B	-1.22B	-1.36B	-1.36B	-1.21B	-1.17B	-1.55B	-1.32B
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-03-09Sale

Owner: Hill, Leo J

Title: -

Shares: 0

Price/Share: $75.15

Value: $2.25

Shares Owned: 467

Relationship: Director

Ownership: Indirect

2026-02-24Sale

Owner: Strange, Douglas D

Title: Chief Credit Officer

Shares: 1

Price/Share: $78.76

Value: $46.47

Shares Owned: 31,130

Relationship: Officer

Ownership: Direct

2026-02-24Sale

Owner: Stokes, Nicole S

Title: CFO

Shares: 1

Price/Share: $79.20

Value: $41.98

Shares Owned: 86,210

Relationship: Officer

Ownership: Direct

2026-02-24Sale

Owner: Creasy, Ross L

Title: Chief Information Officer

Shares: 1

Price/Share: $79.40

Value: $42.08

Shares Owned: 58,298

Relationship: Officer

Ownership: Direct

2026-02-19Sale

Owner: Lahaise, James A

Title: Chief Strategy Officer

Shares: 6,641

Price/Share: $82.93

Value: $550,738.13

Shares Owned: 111,470

Relationship: Officer

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-03-09	Hill, Leo J	Director	-	Indirect	Sale	0	75.15	$2.25	467	4
2026-02-24	Strange, Douglas D	Officer	Chief Credit Officer	Direct	Sale	1	78.76	$46.47	31,130	4
2026-02-24	Stokes, Nicole S	Officer	CFO	Direct	Sale	1	79.20	$41.98	86,210	4
2026-02-24	Creasy, Ross L	Officer	Chief Information Officer	Direct	Sale	1	79.40	$42.08	58,298	4
2026-02-19	Lahaise, James A	Officer	Chief Strategy Officer	Direct	Sale	6,641	82.93	$550,738.13	111,470	4
2025-12-31	Strange, Douglas D	Officer	Chief Credit Officer	Indirect	Sale	205	71.62	$14,682.10	0	4
2025-12-08	Stern, William H	Director	-	Direct	Purchase	308	77.22	$23,751.33	47,276	4
2025-09-15	Stern, William H	Director	-	Direct	Purchase	320	74.14	$23,748.52	46,898	4
2025-03-12	Strange, Douglas D	Officer	Chief Credit Officer	Direct	Purchase	1,000	56.95	$56,950.00	19,403	4
2024-11-06	Ezzell, Robert Dale	Director	-	Direct	Sale	8,000	69.91	$559,280.00	27,444	4
2024-03-07	Edwards, Jon S	Officer	Chief Credit Officer	Direct	Sale	7,500	47.35	$355,125.00	59,692	4
2023-05-23	Choate, William Millard	Director	-	Indirect	Purchase	7,490	33.38	$250,016.20	7,490	4
2023-05-17	Mckendry, William D	Officer	Chief Risk Officer	Direct	Purchase	1,000	30.14	$30,140.00	30,134	4
2023-05-15	Lahaise, James A	Officer	Chief Strategy Officer	Direct	Purchase	10,000	29.65	$296,500.00	89,516	4
2023-05-10	Stokes, Nicole S	Officer	CFO	Direct	Purchase	1,000	29.07	$29,070.00	34,894	4
2023-05-10	Proctor, H Palmer Jr	Director,Officer	CEO	Direct	Purchase	10,000	29.25	$292,500.00	288,735	4
2023-05-01	Lahaise, James A	Officer	Chief Strategy Officer	Direct	Purchase	10,000	33.03	$330,300.00	79,516	4
2023-03-10	Bowen, William I. Jr.	Director	-	Direct	Purchase	670	41.20	$27,604.00	22,872	4
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Institutional Ownership

No data available for chart

2026-03-31

90.49%

Inst. Shares: 61,117,301

Shares Outstanding: 67,540,444

2025-12-31

91.66%

Inst. Shares: 62,743,323

Shares Outstanding: 68,448,812

2025-09-30

89.96%

Inst. Shares: 61,536,017

Shares Outstanding: 68,401,737

2025-06-30

90.94%

Inst. Shares: 62,379,109

Shares Outstanding: 68,594,608

2025-03-31

87.67%

Inst. Shares: 60,302,873

Shares Outstanding: 68,785,458

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	61,117,301	67,540,444	90.49%
2025-12-31	62,743,323	68,448,812	91.66%
2025-09-30	61,536,017	68,401,737	89.96%
2025-06-30	62,379,109	68,594,608	90.94%
2025-03-31	60,302,873	68,785,458	87.67%
2024-12-31	60,518,691	68,808,830	87.95%
2024-09-30	59,599,785	68,798,093	86.63%
2024-06-30	60,281,893	68,824,150	87.59%
2024-03-31	60,520,890	68,808,393	87.96%
2023-12-31	60,630,164	68,977,453	87.90%
2023-09-30	59,435,468	68,879,352	86.29%
2023-06-30	59,855,242	68,989,549	86.76%
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Ameris Bancorp (ABCB) — SEC Financial Statements & Analysis

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