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Ameris Bancorp

ABCB

$87.85 ▼ -0.34 (-0.38%) at close

17 Visible periods

34 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

Ameris Bancorp shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $6.0B

Dividend Yield 0.91%

Revenue Growth 5.7% ↘

Op. Margin 44.2% ↗

ROIC None

FCF / Share None

Trailing P/E 14.6x

Price / Book 1.5x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

17-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$1.21B

↑ +5.7% —

Net Income Profit after all expenses

$412.15M

↑ +14.9% —

Operating Margin Operating profit as % of sales

44.2%

↑ +6.1% 96th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.80 Latest / share

+23.1% YoY

+16.4% 12-yr CAGR

$0.15

FY 2014

$0.20

FY 2015

$0.30

FY 2016

$0.40

FY 2017

$0.40

FY 2018

$0.50

FY 2019

$0.60

FY 2020

$0.60

FY 2021

$0.60

FY 2022

$0.60

FY 2023

$0.65

FY 2024

$0.80

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Revenue Growth YoY (%)	5.7% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	6.0% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	-0.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-112%)	6.3% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+5%)	-5.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-197%)	54.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+803%)	52.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+771%)	26.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+344%)	12.1% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+102%)	24.5% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+309%)	22.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+279%)	30.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+412%)	-5.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-192%)	3.6% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-40%)	33.6% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+460%)	-5.9% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-199%)	—
EPS Growth YoY (%)	15.5% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	33.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-22.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-7.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	43.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	37.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-1.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	40.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-4.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	62.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-12.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	94.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	65.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-39.5% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	89.3% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—
Net Income Growth YoY (%)	14.9% Fair ↑ Fair Improving Year-over-year change in net income	33.3% Excellent ↑ Excellent Improving Year-over-year change in net income	-22.3% Weak ↓ Weak Declining Year-over-year change in net income	-8.1% Weak ↓ Weak Declining Year-over-year change in net income	43.9% Excellent ↓ Excellent Declining Year-over-year change in net income	62.3% Excellent ↑ Excellent Improving Year-over-year change in net income	33.4% Excellent ↓ Excellent Declining Year-over-year change in net income	64.6% Excellent ↑ Excellent Improving Year-over-year change in net income	2.0% Caution ↓ Caution Declining Year-over-year change in net income	76.5% Excellent ↑ Excellent Improving Year-over-year change in net income	5.5% Fair ↓ Fair Declining Year-over-year change in net income	93.4% Excellent ↑ Excellent Improving Year-over-year change in net income	38.7% Excellent ↑ Excellent Improving Year-over-year change in net income	-31.6% Weak Weak Year-over-year change in net income	N/M	90.5% Excellent Excellent Year-over-year change in net income	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	3.6% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	3.8% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	-0.2% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	15.6% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	30.3% Excellent → Excellent Stable Compound annual revenue growth over 3 years	43.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	29.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	20.9% Excellent → Excellent Stable Compound annual revenue growth over 3 years	19.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	26.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	14.9% Good ↑ Good Improving Compound annual revenue growth over 3 years	8.5% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	9.3% Fair Fair Compound annual revenue growth over 3 years	9.2% Fair Fair Compound annual revenue growth over 3 years	—	—	—
Revenue CAGR 5Y (%)	2.2% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	10.2% Good ↓ Good Declining Compound annual revenue growth over 5 years	18.5% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	24.4% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	25.7% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	32.9% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	27.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	23.2% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	16.2% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	14.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	16.0% Excellent Excellent Compound annual revenue growth over 5 years	10.0% Good Good Compound annual revenue growth over 5 years	—	—	—	—	—
EPS CAGR 3Y (%)	6.3% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	-1.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	1.0% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	22.0% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	24.6% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	23.6% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	9.5% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	29.6% Excellent → Excellent Stable Compound annual EPS growth over 3 years	10.6% Good ↓ Good Declining Compound annual EPS growth over 3 years	40.3% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	41.0% Excellent Excellent Compound annual EPS growth over 3 years	24.9% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Operating Margin (%) (%)	44.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+77%)	41.7% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+67%)	33.1% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+32%)	41.7% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+67%)	48.6% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+94%)	31.4% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	22.8% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.6% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.6% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.5% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.0% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.0% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	34.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+55%)	31.4% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+43%)	25.0% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+13%)	31.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+45%)	36.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+68%)	24.2% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	23.0% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	26.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+19%)	20.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-8%)	22.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	15.6% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-29%)	18.2% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-17%)	12.3% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-44%)	8.4% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-62%)	12.7% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-42%)	-3.2% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-115%)	-31.6% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-243%)
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.4% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	-0.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	10.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-16%)	9.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-20%)	7.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-35%)	10.8% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-10%)	12.7% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+6%)	9.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-18%)	6.5% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-46%)	8.3% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-31%)	9.1% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-24%)	11.2% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-7%)	7.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-34%)	10.6% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-12%)	6.3% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-47%)	5.2% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-57%)	7.2% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-40%)	-1.5% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-112%)	-21.4% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-279%)

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Revenue per Share (USD)	$17.65	$16.60	$15.63	$15.69	$14.70	$15.66	$12.03	$10.70	$9.90	$9.47	$8.22	—	—	—	—	—	—
Basic EPS, GAAP (USD)	$6.02	$5.21	$3.90	$5.01	$5.43	$3.78	$2.76	$2.81	$2.00	$2.10	$1.29	$1.48	$0.76	$0.46	$0.76	$-0.35	$-3.27
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.80	$0.65	$0.60	$0.60	$0.60	$0.60	$0.50	$0.40	$0.40	$0.30	$0.20	$0.15	—	—	—	—	—
Book Value per Share (USD)	$59.55	$54.52	$49.68	$46.21	$42.72	$38.22	$42.24	$33.76	$21.84	$18.82	$16.21	—	—	—	—	—	—
Tangible Book Value per Share (USD)	$44.71	$39.76	$34.95	$31.53	$28.14	$24.82	$26.31	$22.09	$18.44	$15.17	$13.37	—	—	—	—	—	—
Basic Weighted Avg Shares (shares)	68.45M	68.81M	68.98M	69.19M	69.43M	69.26M	58.46M	43.14M	36.83M	34.35M	31.76M	25,974	23,918	23,816	23,446	—	—
Dividend Payout Ratio (%)	13.3% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	12.5% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	15.4% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	12.0% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	11.0% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	15.9% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	18.1% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	14.2% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	20.0% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	14.3% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	15.5% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	10.1% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$4.08B	$3.75B	$3.43B	$3.20B	$2.97B	$2.65B	$2.47B	$1.46B	$804.48M	$646.44M	$514.76M	$366.03M	$316.70M	$279.02M	$293.77M	$273.41M	$194.96M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Sales/Revenue/Turnover (USD)	$1.21B	$1.14B	$1.08B	$1.09B	$1.02B	$1.08B	$703.28M	$461.80M	$364.58M	$325.17M	$261.12M	$212.72M	$162.73M	$172.28M	$166.33M	$124.53M	$132.38M
Depreciation Expense (USD)	$16.70M	$18.90M	$19.11M	$18.42M	$17.23M	$15.76M	$13.12M	$10.01M	$9.20M	$9.52M	$8.06M	$6.64M	$4.80M	$5.30M	$4.38M	$3.33M	$3.62M
Net Income, GAAP (USD)	$412.15M	$358.69M	$269.11M	$346.54M	$376.91M	$261.99M	$161.44M	$121.03M	$73.55M	$72.10M	$40.85M	$38.72M	$20.02M	$14.44M	$21.09M	$-3.99M	$-41.79M
Operating Cash Flow (USD)	$390.18M	$154.19M	$568.96M	$1.06B	$9.14M	$798.40M	$-940.21M	$-108.80M	$-62.56M	$-69.77M	$-25.22M	—	$33.64M	$32.24M	$46.17M	$45.01M	$23.95M

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Net Interest Margin (approx.) (%)	3.4%	3.2%	3.3%	3.2%	2.7%	3.1%	2.8%	3.0%	3.3%	3.2%	3.1%	3.7%	3.2%	3.8%	3.8%	3.0%	—
Efficiency Ratio (%) (%)	50.0%	53.2%	53.7%	51.7%	54.9%	55.2%	67.1%	63.6%	63.6%	66.4%	76.3%	70.9%	74.9%	69.3%	61.3%	65.2%	94.3%

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 17 years · 65 quarters

Ameris Bancorp

Analytical Summary

17-Year Financial Trajectory

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