Ameris Bancorp (ABCB)

Ameris Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	936.92	849.19	835.04	801.03	655.33
Net Interest Income Growth	10.33%	1.69%	4.25%	22.23%	2.76%
Non-Interest Income	271.04	293.26	242.83	284.42	365.54
Non-Interest Income Growth	-7.58%	20.77%	-14.63%	-22.19%	-18.13%
Revenues Before Loan Losses	1,208	1,142	1,078	1,085	1,021
Provision for Credit Losses	70.24	58.8	142.66	71.7	-35.37
Revenue	1,138	1,084	935.22	1,014	1,056
Revenue Growth (YoY)	4.99%	15.87%	-7.75%	-4.02%	12.50%
Compensation Expenses	348.87	347.64	320.11	319.72	337.78
Selling, General & Admin	137.57	137.83	134.3	129.06	114.4
Other Non-Interest Expenses	117.51	122.32	123.87	111.88	107.95
Total Non-Interest Expense	603.95	607.79	578.28	560.66	560.12
Pretax Income	533.76	475.86	356.94	453.1	496.11
Provision for Income Taxes	121.61	117.18	87.83	106.56	119.2
Net Income	412.15	358.69	269.11	346.54	376.91
Net Income to Common	412.15	358.69	269.11	346.54	376.91
Net Income Growth	14.91%	33.29%	-22.35%	-8.06%	43.87%
Shares Outstanding (Basic)	68	69	69	69	69
Shares Outstanding (Diluted)	69	69	69	69	70
Shares Change (YoY)	-0.52%	-0.06%	-0.46%	-0.49%	0.48%
EPS (Basic)	6.02	5.21	3.90	5.01	5.43
EPS (Diluted)	6.00	5.19	3.89	4.99	5.40
EPS Growth	15.61%	33.42%	-22.04%	-7.59%	43.24%
Free Cash Flow	369.64	140.72	551.43	1,049	-16.31
Free Cash Flow Growth	162.69%	-74.48%	-47.43%	-	-
Free Cash Flow Per Share	5.38	2.04	7.98	15.11	-0.23
Dividends Per Share	0.800	0.650	0.600	0.600	0.600
Dividend Growth	23.08%	8.33%	-	-	-
Profit Margin	36.23%	33.10%	28.77%	34.18%	35.68%
FCF Margin	32.49%	12.99%	58.96%	103.47%	-1.54%
EBITDA	29.66	36.8	34.57	40.99	32.19
EBITDA Margin	2.61%	3.40%	3.70%	4.04%	3.05%
Effective Tax Rate	22.78%	24.62%	24.61%	23.52%	24.03%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q