Ameris Bancorp (ABCB)

Ameris Bancorp Cash Flow Statement

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

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	376.32	412.15	358.69	269.11	346.54	376.91
Depreciation & Amortization	33.04	38.44	46.73	45.93	53.63	47.93
Gain (Loss) on Sale of Assets	1.28	0.85	-8.56	-3.25	-1.2	2.88
Gain (Loss) on Sale of Investments	-8.99	-1.63	-12.3	0.3	-0.2	2.37
Total Asset Writedown	0.91	0.91	-0.12	-	-23.6	-13.73
Provision for Credit Losses	79.38	70.24	58.79	142.66	71.7	-35.37
Net Decrease (Increase) in Loans Originated / Sold - Operating	78.63	-46.61	-216.45	92.92	578.08	-264.22
Accrued Interest Receivable	-4.85	-4.85	-0.75	-9.66	-20.13	19.34
Change in Income Taxes	-20.23	-20.23	29.85	2.27	5.18	7.01
Change in Other Net Operating Assets	79.91	-1.73	-37.79	13.38	-12.3	-5.14
Other Operating Activities	-27.55	-10.74	-20.65	-22.1	-35.73	40.23
Operating Cash Flow	548.53	390.18	154.19	568.96	1,062	9.14
Operating Cash Flow Growth	33.50%	153.05%	-72.90%	-46.45%	11524.43%	-98.86%

Investing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Capital Expenditures	-26.55	-20.54	-13.48	-17.53	-13.57	-25.45
Sale of Property, Plant and Equipment	0.06	0.17	0.25	3.93	0.05	1.96
Cash Acquisitions	-	-	-	-	-14	-126.66
Investment in Securities	-669.23	-535.11	-264.97	148.33	-1,104	266.37
Purchase / Sale of Intangibles	23.73	23.73	82.33	-	119.85	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	-1,178	-836.95	-610.5	-485.46	-3,818	-400.3
Other Investing Activities	8.22	65.9	-40.32	12.55	-49.9	-148.69
Investing Cash Flow	-1,842	-1,303	-846.68	-338.19	-4,875	-420.98

Financing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Long-Term Debt Issued	-	8,163	6,308	15,842	3,950	-
Short-Term Debt Repaid	-	-	-	-	-5.85	-5.8
Long-Term Debt Repaid	-	-7,897	-6,527	-17,208	-2,815	-296.33
Total Debt Repaid	-11,645	-7,897	-6,527	-17,208	-2,820	-302.12
Net Debt Issued (Repaid)	872.9	265.76	-218.96	-1,366	1,130	-302.12
Issuance of Common Stock	-	-	-	0.48	2.8	4.53
Repurchase of Common Stock	-152.51	-82.9	-7.95	-20.35	-22.42	-9.44
Common Dividends Paid	-54.82	-55.25	-41.46	-41.65	-41.61	-41.8
Net Increase (Decrease) in Deposit Accounts	654.9	653.55	1,014	1,246	-202.82	2,708
Financing Cash Flow	1,320	781.16	745.56	-181.59	865.53	2,359

Net Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Cash Flow	26.84	-131.46	53.07	49.17	-2,947	1,947

Free Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	521.98	369.64	140.72	551.43	1,049	-16.31
Free Cash Flow Growth	32.55%	162.69%	-74.48%	-47.43%	-	-
Free Cash Flow Margin	44.11%	32.46%	13.00%	58.90%	105.74%	-1.57%
Free Cash Flow Per Share	7.68	5.38	2.04	7.98	15.11	-0.23

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash Interest Paid	446.88	461.94	540.27	418.45	86.64	48.96
Cash Income Tax Paid	136.29	155.98	106.38	105	133.89	71.81

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: May 8, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 18, 2026

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