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Ameris Bancorp (ABCB)
Financial Services · Banks - Regional · NYSE
Ameris Bancorp revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $1.07B | $1.08B | $1.12B | $1.21B |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $72.10M | $73.55M | $121.03M | $161.44M | $261.99M | $376.91M | $346.54M | $269.11M | $358.69M | $412.15M |
| Net margin | — | — | — | — | — | — | 32.5% | 24.9% | 32.0% | 34.0% |
Source: Ameris Bancorp SEC filings (10-K). 17 years of history available in the interactive view.
What growth is priced into ABCB stock?
At today's market cap of $5.81B, Ameris Bancorp is priced for free-cash-flow growth of about 4.4% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $369.64M from the FY ending 2025-12-31). For comparison, free cash flow actually grew -13.9%/yr over the last five fiscal years, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 17 years of Ameris Bancorp financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Ameris Bancorp financial history by metric
About Ameris Bancorp
Ameris Bancorp operates as the bank holding company for Ameris Bank that provides various banking services to retail and commercial customers. It operates through four segments: Banking Division, Retail Mortgage Division, Warehouse Lending Division, and Premium Finance Division. The company offers commercial and retail checking, interest-bearing savings, money market, individual retirement, and certificates of deposit accounts. It also provides commercial real estate, residential real estate mortgage, agricultural, and commercial and industrial loans; consumer loans, including home improvement and home equity loans, as well as loans secured by savings accounts and personal credit lines. In addition, the company originates, administers, and services commercial insurance premium loans; equipment finance loans; and small business administration loans. Further, it operates full-service domestic banking offices, and mortgage and loan production offices. Ameris Bancorp was founded in 1971 and is headquartered in Atlanta, Georgia.
Ameris Bancorp — frequently asked questions
What is Ameris Bancorp's revenue?
Ameris Bancorp (ABCB) reported revenue of $1.21B for fiscal year 2025, up 7.9% from the prior year, according to its SEC filings.
Is Ameris Bancorp profitable?
Yes. ABCB earned net income of $412.15M in fiscal 2025, a net margin of 34.0%.
What is ABCB's P/E ratio?
Ameris Bancorp trades at a price-to-earnings ratio of about 13.6 based on the latest data in our nightly-refreshed cache.
How much debt does Ameris Bancorp have?
As of fiscal year 2025, ABCB carried roughly $0 in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Ameris Bancorp's market cap?
Ameris Bancorp (ABCB) has a market capitalization of about $5.81B, based on the latest data in our nightly-refreshed cache.
When does Ameris Bancorp's fiscal year end?
ABCB's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into ABCB stock?
At today's market cap of $5.81B, Ameris Bancorp is priced for free-cash-flow growth of about 4.4% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $369.64M from the FY ending 2025-12-31). For comparison, free cash flow actually grew -13.9%/yr over the last five fiscal years, computed from its SEC filings.
Where does this data come from?
All figures are computed from Ameris Bancorp's official SEC filings (10-K and 10-Q), covering 17 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.