ABCB - NASDAQ
Ameris Bancorp
$77.89
-0.49%Ameris Bancorp operates as the bank holding company for Ameris Bank that provides range of banking services to retail and commercial customers primarily in Georgia, Alabama, Florida, North Carolina, and South Carolina. The company operates through five segments: Banking Division, Retail Mortgage Division, Warehouse Lending Division, SBA Division, and Premium Finance Division. It offers commercial and retail checking, regular interest-bearing savings, money market, individual retirement, and certificates of deposit accounts. The company also provides commercial real estate, residential real estate mortgage, agricultural, and commercial and industrial loans; consumer loans, including motor vehicle, home improvement, and home equity loans, as well as loans secured by savings accounts and small unsecured personal credit lines. In addition, it originates, administers, and services commercial insurance premium loans and small business administration loans. The company operates 165 full service domestic banking offices and 35 mortgage and loan production offices. Ameris Bancorp was founded in 1971 and is headquartered in Atlanta, Georgia.
At a Glance
Live SnapshotSEC Filings
ABCB - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | May 26, 2026 | May 21, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 08, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 23, 2026 | April 23, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 07, 2026 | May 21, 2026 | 2026 | |
10-K 10-K 2025 FY FY | February 26, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 24, 2026 | February 19, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 29, 2026 | January 29, 2026 | 2026 | |
10-Q 10-Q 2025 Q3 Q3 | November 07, 2025 | September 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | October 27, 2025 | October 27, 2025 | 2025 | |
8-K 8-K 2025 N/A | October 20, 2025 | October 20, 2025 | 2025 |
Understanding SEC Filings
Essential regulatory documents for investors
SEC filings are mandatory documents that publicly traded companies must submit to the Securities and Exchange Commission. These reports provide critical insights into a company's financial health, operations, risks, and strategic direction. For investors conducting due diligence, these filings are the most authoritative source of company information.
Annual Report
Comprehensive annual financial report filed within 60-90 days of fiscal year-end. Includes audited financial statements, management discussion & analysis (MD&A), risk factors, and detailed business operations. The most thorough financial disclosure of the year.
Quarterly Report
Unaudited quarterly financial report filed within 40-45 days after each of the first three fiscal quarters. Provides updates on financial position, results of operations, and significant events. Essential for tracking quarterly performance trends.
Current Report
Event-driven filing for material events that shareholders should know about, filed within 4 business days. Includes acquisitions, executive changes, bankruptcy, earnings releases, and other significant developments. Critical for staying informed about breaking news.
Proxy Statement
Definitive proxy statement sent to shareholders before annual meetings. Contains executive compensation details, board member information, voting matters, and corporate governance policies. Key for understanding management incentives and board composition.
Registration Statement
Initial registration for securities offerings, including IPOs. Provides detailed company history, business model, financial statements, risk factors, and use of proceeds. Essential for evaluating new investment opportunities and understanding company fundamentals.
Foreign Annual Report
Annual report for foreign private issuers, equivalent to Form 10-K for non-U.S. companies. Filed within 4-6 months of fiscal year-end. Contains audited financials, business description, and regulatory disclosures adapted for international companies.
Why SEC Filings Matter
- Regulatory Accuracy: Filings are subject to SEC review and legal penalties for misstatements, ensuring high data quality
- Management Insights: MD&A sections reveal management's perspective on trends, challenges, and future outlook
- Risk Assessment: Detailed risk factor disclosures help investors understand potential threats to business operations
- Competitive Analysis: Business descriptions and segment data enable comparison with industry peers
- Historical Context: Years of filings provide trend analysis and context for current performance
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.