ABCB
Ameris Bancorp77.78
-0.88-1.12%
Dec 16, 4:00:02 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
FY Q4 '25
Key Stats
Market Cap
5.33BP/E (TTM)
13.48Basic EPS (TTM)
5.77Dividend Yield
0.01%Recent Filings
10-Q
Q3 FY2025 results
Ameris Bancorp posted Q3 net income of $106M, up 7% y/y, with diluted EPS at $1.54 versus $1.44—reconciles to 68.7M diluted shares. Net interest income climbed 11% y/y to $238M (derived), fueled by deposit cost cuts to 2.82% from 3.44% while funding loans and bonds; margins hit 3.80%, up 29 bps. Provision for credit losses rose to $22.6M from $6.1M on updated forecasts and loan growth to $21.3B, yet nonperformers eased to 0.40% of assets. Deposits swelled 2% to $22.2B, cash at $1.0B, with $3.4B FHLB availability; other borrowings ticked to $337M. Banking and mortgage divisions drove gains. CRE concentrations persist.
8-K
Expands $200M buyback program
Ameris Bancorp's board authorized a $200 million stock repurchase program on October 20, 2025, extending through October 31, 2026, boosting its prior plan under which it bought back $36.3 million over the past year. CEO Proctor cited confidence in the balance sheet and strong results. Repurchases hinge on price and market factors. No minimum shares required.
10-Q
Q2 FY2025 results
Ameris Bancorp posted Q2 net income of $109.8M, up 21% y/y, with diluted EPS at $1.60 versus $1.32—reconciles to 68.8M diluted shares. Net interest income climbed 9% to $231.8M on lower deposit costs (2.83% from 3.37%), while provision for credit losses plunged 85% to $2.8M amid nonperformers dipping to 0.36% of assets. Loans grew 1.5% q/q to $21.0B, deposits up 1% to $21.9B, cash at $1.2B; FHLB availability hit $3.4B. Banking division carried the load. CRE concentrations persist.
8-K
Q2 net income $109.8M, ROA 1.65%
Ameris Bancorp posted Q2 net income of $109.8 million, or $1.60 per diluted share, with ROA hitting 1.65% and ROTCE at 15.82%. Loans grew $334.9 million while NIM expanded 4bps to 3.77%; noninterest-bearing deposits held 31.0% of total. Credit quality sharpened—charge-offs fell to 0.14%. Strong balance sheet. Redemption of $74M subordinated notes set for September 1.
8-K
Shareholders approve board, auditors
Ameris Bancorp shareholders at the June 5, 2025 Annual Meeting elected all 10 director nominees, ratified KPMG LLP as auditors for 2025, and approved executive compensation on an advisory basis. With 88.25% turnout, votes sailed through despite some pushback on directors like William H. Stern. Continuity locked in.
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