Inferra AI / Company / ABCB
Ameris Bancorp
ABCB · Financials
Last earnings Oct 22, 2026
Key results
Net incomequarter
$106.0 million
Net income of $106.0 million, or $1.54 per diluted share Return on average assets of 1.56% Return on average tangible common equity (1) of 14.57% Tangible book value (1) growth of $1.58 per share, or 15.2% annualized, to $42.90 at September 30, 2025 TCE ratio (1) increase to 11.31%
SEC original ↗Ameris Bancorp — Earnings release (8-K exhibit)EX-99Oct 27, 2025
net income of $106.0 million, or $1.54 per diluted share, for the quarter ended September 30, 2025, compared with $99.2 million, or $1.44 per diluted share, for the quarter ended September 30, 2024.
SEC original ↗Ameris Bancorp — Earnings release (8-K exhibit)EX-99Oct 27, 2025
Net incomeytd
$303.8 million
For the year-to-date period ending September 30, 2025, the Company reported net income of $303.8 million, or $4.41 per diluted share, compared with $264.3 million, or $3.83 per diluted share, for the same period in 2024.
SEC original ↗Ameris Bancorp — Earnings release (8-K exhibit)EX-99Oct 27, 2025
Revenuequarter
18%
The efficiency ratio remained low, aided by approximately 18% annualized revenue growth.
SEC original ↗Ameris Bancorp — Earnings release (8-K exhibit)EX-99Oct 27, 2025
Net income of $106.0 million, or $1.54 per diluted share Return on average assets ("
SEC original ↗Ameris Bancorp — Presentation / slide deck (8-K exhibit)EX-99Oct 27, 2025
AI analysis
Q3 2025 · reported Oct 27, 2025
Based on: Earnings release + Q3 2025 deck + parent 8-K + 10-K — transcript not held
Headline figures
| Metric | Q3 2025 | Prior qtr | Year ago |
|---|---|---|---|
| Net income | $106.0 million | — | — |
| Revenue | 18% | — | — |
Guidance · company-stated
No guidance located in the held release
Capital allocation
Debt securities available-for-sale amounted to $2.13 billion, compared with $1.87 billion at June 30, 2025 and $1.67 billion at December 31, 2024.
The increase in shareholders equity was primarily the result of earnings of $303.8 million during the first nine months of 2025 and an improvement in other comprehensive income of $35.3 million resulting from changes in interest rates on the Company's investment portfolio, partially offset by dividends declared and share repurchases.
Event summary
Commenting on the Company s results, Palmer Proctor, the Company s Chief Executive Officer, said, Our performance continues to be outstanding, with a third quarter return on assets of 1.56% and return on tangible common equity of 14.6%
Based on: Earnings release + Q3 2025 deck + parent 8-K + 10-K — transcript not held
Guidance & outlook
No guidance located in the held release
Capital allocation
Debt securities available-for-sale amounted to $2.13 billion, compared with $1.87 billion at June 30, 2025 and $1.67 billion at December 31, 2024.
SEC original ↗Ameris Bancorp — Earnings release (8-K exhibit)EX-99Oct 27, 2025
The increase in shareholders equity was primarily the result of earnings of $303.8 million during the first nine months of 2025 and an improvement in other comprehensive income of $35.3 million resulting from changes in interest rates on the Company's investment portfolio, partially offset by dividends declared and share repurchases.
SEC original ↗Ameris Bancorp — Earnings release (8-K exhibit)EX-99Oct 27, 2025
The Company repurchased 125,900 shares of its common stock in the quarter ending September 30, 2025.
SEC original ↗Ameris Bancorp — Earnings release (8-K exhibit)EX-99Oct 27, 2025
Subordinated Debt The Company redeemed its 5.875% Fixed-To-Floating Rate Subordinated Notes due 2030 in full on the September 1, 2025 interest payment date.
SEC original ↗Ameris Bancorp — Earnings release (8-K exhibit)EX-99Oct 27, 2025
On October 1, 2025, the Company redeemed in full its 3.875% Fixed-To-Floating Rate Subordinated Notes due 2030, which totaled $110 million outstanding, at par.
SEC original ↗Ameris Bancorp — Earnings release (8-K exhibit)EX-99Oct 27, 2025
Share Repurchase Program On October 20, 2025, the Company announced its board of directors authorized the Company to repurchase up to $200 million of its outstanding common stock.
SEC original ↗Ameris Bancorp — Earnings release (8-K exhibit)EX-99Oct 27, 2025
Strategy & priorities
Our focus on sustainable growth in both core deposits and tangible book value per share was again evident in the quarter.
SEC original ↗Ameris Bancorp — Earnings release (8-K exhibit)EX-99Oct 27, 2025
Management continues to focus on operating efficiency, and the efficiency ratio improved to 49.19% in the third quarter of 2025, compared with 51.63% in the second quarter of 2025 and 53.49% in the third quarter of 2024.
SEC original ↗Ameris Bancorp — Earnings release (8-K exhibit)EX-99Oct 27, 2025
government trade, monetary and fiscal policies, including tariffs competitive pressures on product pricing and services fraud, theft or other misconduct impacting our customers or operations cybersecurity risks, including data breaches, malware, ransomware and account takeover the success and timing of our business strategies and plans our outlook and long-term goals for future growth and natural disasters, geopolitical events, acts of war or terrorism or other hostilities, public health crises and other catastrophic events beyond our control.
SEC original ↗Ameris Bancorp — Earnings release (8-K exhibit)EX-99Oct 27, 2025
government trade, monetary and fiscal policies, including tariffs; competitive pressures on product pricing and services; fraud, theft or other misconduct impacting our customers or operations; cybersecurity risks, including data breaches, malware, ransomware and account takeovers; the success and timing of our business strategies and plans; our outlook and long- term goals for future growth; and natural disasters, geopolitical events, acts of war or terrorism or other hostilities, public health crises and other catastrophic events beyond our control.
SEC original ↗Ameris Bancorp — Presentation / slide deck (8-K exhibit)EX-99Oct 27, 2025
Strategy We seek to increase our presence and grow the Ameris brand in the markets that we currently serve in Georgia, Alabama, Florida, North Carolina and South Carolina and in neighboring communities that present attractive opportunities for expansion.
SEC original ↗Ameris Bancorp — 10-K Annual report10-KFeb 26, 2026
Risks & headwinds
government trade, monetary and fiscal policies, including tariffs competitive pressures on product pricing and services fraud, theft or other misconduct impacting our customers or operations cybersecurity risks, including data breaches, malware, ransomware and account takeover the success and timing of our business strategies and plans our outlook and long-term goals for future growth and natural disasters, geopolitical events, acts of war or terrorism or other hostilities, public health crises and other catastrophic events beyond our control.
SEC original ↗Ameris Bancorp — Earnings release (8-K exhibit)EX-99Oct 27, 2025
government trade, monetary and fiscal policies, including tariffs; competitive pressures on product pricing and services; fraud, theft or other misconduct impacting our customers or operations; cybersecurity risks, including data breaches, malware, ransomware and account takeovers; the success and timing of our business strategies and plans; our outlook and long- term goals for future growth; and natural disasters, geopolitical events, acts of war or terrorism or other hostilities, public health crises and other catastrophic events beyond our control.
SEC original ↗Ameris Bancorp — Presentation / slide deck (8-K exhibit)EX-99Oct 27, 2025
Legal Proceedings 32 Item 4.
SEC original ↗Ameris Bancorp — 10-K Annual report10-KFeb 26, 2026
federal government shutdown and uncertainty regarding the U.
SEC original ↗Ameris Bancorp — 10-K Annual report10-KFeb 26, 2026
government's debt limit and credit rating; the costs and effects of litigation, investigations or similar matters, or adverse facts and developments related thereto; fluctuation in our stock price and general volatility in the stock market; and the effects of any damage to our reputation resulting from developments related to any of the items identified above.
SEC original ↗Ameris Bancorp — 10-K Annual report10-KFeb 26, 2026
They involve risks, uncertainties and assumptions, and actual results, developments and business decisions may differ from those contemplated by those forward-looking statements, and such differences may be material.
SEC original ↗Ameris Bancorp — 10-K Annual report10-KFeb 26, 2026
Earnings deck slides
0 decks with slide viewAmeris Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Ameris Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Ameris Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Ameris Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Ameris Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Ameris Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Ameris Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Ameris Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Ameris Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Ameris Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Competitors
Competitors & peers
Same GICS sector — classification peers, not declared competitors
Filings
25 documents- Q3 2026
- 8-KABCB
Oct 22, 2026
- Q2 2026
- 10-QABCB
Aug 7, 2026
- 8-KABCB
Jul 23, 2026
- Q1 2026
- 8-KABCB
Jun 18, 2026
- 8-KABCB
Jun 12, 2026
- 8-KABCB
May 26, 2026
- 10-QABCB
May 8, 2026
- 8-KABCB
Apr 23, 2026
- Q4 2025
- 10-KABCB
Feb 26, 2026
- 8-KABCB
Feb 24, 2026
- 8-KABCB
Jan 29, 2026
- Q3 2025
- 10-QABCB
Nov 7, 2025
- 8-KABCB
Oct 27, 2025
- 8-KABCB
Oct 20, 2025
- Q2 2025
- 10-QABCB
Aug 8, 2025
- 8-KABCB
Jul 28, 2025
- Q1 2025
- 8-KABCB
Jun 6, 2025
- 10-QABCB
May 9, 2025
- 8-KABCB
Apr 28, 2025
- Q4 2024
- 10-KABCB
Feb 28, 2025
- 8-KABCB
Jan 30, 2025
- Q3 2024
- 10-QABCB
Nov 8, 2024
- 8-KABCB
Oct 24, 2024
- Q2 2024
- 10-QABCB
Aug 8, 2024
- 8-KABCB
Jul 25, 2024
Earnings releases
10 documentsPresentations
10 documents
Transcripts
0 documentsNo transcripts for Ameris Bancorp are held in this edition of the library.
See also the earnings calendar for every tracked company’s next earnings date.