Ameris Bancorp Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	959.52	936.92	849.19	835.04	801.03	655.33
Net Interest Income Growth	10.33%	10.33%	1.69%	4.25%	22.23%	2.76%
Non-Interest Income	266.82	271.04	293.26	242.83	284.42	365.54
Non-Interest Income Growth	-4.40%	-7.58%	20.77%	-14.63%	-22.19%	-18.13%
Revenues Before Loan Losses	1,226	1,208	1,142	1,078	1,085	1,021
Provision for Credit Losses	64.9	70.24	58.79	142.66	71.7	-35.37
Revenue	1,161	1,138	1,084	935.22	1,014	1,056
Revenue Growth (YoY)	6.64%	4.99%	15.87%	-7.75%	-4.02%	12.50%
Compensation Expenses	353.62	348.87	347.64	320.11	319.72	337.78
Selling, General & Admin	119.35	137.57	137.83	134.3	129.06	114.4
Other Non-Interest Expenses	113.78	117.51	122.32	123.87	111.88	107.95
Total Non-Interest Expense	610	603.95	607.79	578.28	560.66	560.12
Pretax Income	561.55	533.76	475.86	356.94	453.1	496.11
Provision for Income Taxes	126.84	121.61	117.18	87.83	106.56	119.2
Net Income	434.71	412.15	358.69	269.11	346.54	376.91
Net Income to Common	434.71	412.15	358.69	269.11	346.54	376.91
Net Income Growth	16.76%	14.91%	33.29%	-22.35%	-8.06%	43.87%
Shares Outstanding (Basic)	68	68	69	69	69	69
Shares Outstanding (Diluted)	68	69	69	69	69	70
Shares Change (YoY)	-1.04%	-0.52%	-0.06%	-0.45%	-0.49%	0.48%
EPS (Basic)	6.38	6.02	5.21	3.90	5.01	5.43
EPS (Diluted)	6.36	6.00	5.19	3.89	4.99	5.40
EPS Growth	17.78%	15.61%	33.42%	-22.04%	-7.59%	43.24%
Shares Outstanding	67.88	68.02	69.07	69.05	69.37	69.61
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	0.800	0.650	0.600	0.600	0.600
Dividend Growth	-	23.08%	8.33%	-	-	-
Profit Margin	37.43%	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	22.59%	22.78%	24.62%	24.61%	23.52%	24.03%

Updated Apr 23, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q