ABCB - NASDAQ

Ameris Bancorp

ABCB·NASDAQ

$77.89

-0.49%

Financial ServicesBanks - Regional

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.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$5.35B

EPS5.2100

P/E Ratio14.95

Earnings Date01/29/2026

26.26B

Assets

3Y+10.0%

5Y+44.0%

10Y+370.0%

22.51B

Total Liabilities

3Y+8.0%

5Y+43.0%

10Y+344.0%

3.75B

Total Equity

3Y+26.0%

5Y+52.0%

10Y+629.0%

Ameris Bancorp Funding & Solvency Profile

ABCB · NASDAQ

Current Assets

Cash & Cash Equivalents1.22B

Net Receivables0.00

Inventory0.00

Other Current Assets0.00

Total Current Assets3 B

Non-Current Assets

Property, Plant & Equipment209.46M

Goodwill & Intangible Assets1.09B

Long-Term Investments21.16B

Other Non-Current Assets913.15M

Total Non-Current Assets22 B

Total Assets

26.26B

Financial Health Analysis

Current Ratio

0.13x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

6.00x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-18830811000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

11% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Ameris Bancorp Balance Sheet

ABCB • NASDAQ

Ameris Bancorp Balance Sheet	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009	Dec 2008	Dec 2007	Dec 2006	Dec 2005
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	1.2B	1.2B	1.1B	4B	2.1B	597.7M	655.3M	330.6M	198.4M	385.1M	164.9M	253M	273.9M	266.1M	307M	276.1M	166.2M	71.8M	192.6M	74.4M
Short-Term Investments	1.7B	1.4B	1.5B	592.6M	982.9M	1.4B	1.2B	810.9M	822.7M	783.2M	541.8M	486.2M	346.9M	340M	12.4M	7.3M	8.6M	0.0	0.0	0.0
Cash & Short-Term Investments	2.9B	2.6B	2.6B	4.6B	3.1B	2B	1.8B	1.1B	1B	1.2B	706.7M	739.3M	620.8M	606M	319.5M	283.4M	174.8M	71.8M	192.6M	74.4M
Net Receivables	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	6.3M	31.4M	65.4M	159.7M	242.4M	177.2M	45.8M	0.0	0.0	0.0	0.0
Accounts Receivables	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	177.2M	45.8M	0.0	0.0	0.0	0.0
Other Receivables	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	6.3M	31.4M	65.4M	159.7M	242.4M	0.0	0.0	0.0	0.0	0.0	0.0
Total Current Assets	2.9B	2.6B	2.6B	4.6B	3.1B	2B	1.8B	1.1B	1B	1.2B	738M	804.7M	780.6M	848.4M	496.7M	329.2M	174.8M	71.8M	192.6M	74.4M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	209.5M	216.4M	220.3M	225.4M	222.9M	233.1M	145.4M	117.7M	121.2M	121.6M	97.3M	103.2M	76M	73.1M	66.6M	67.6M	66.1M	59.1M	46.6M	39.6M
Goodwill	1B	1B	1B	1B	928M	931.6M	503.4M	125.5M	125.5M	90.1M	63.5M	35M	956K	956K	956K	0.0	54.8M	0.0	0.0	18.3M
Intangible Assets	70.8M	87.9M	106.2M	125.9M	72M	91.6M	58.7M	13.5M	17.4M	17.1M	8.2M	6M	3M	3.3M	4.3M	3.6M	3.6M	0.0	0.0	3.5M
Goodwill & Intangible Assets	1.1B	1.1B	1.1B	1.1B	1,000M	1B	562.1M	139M	143M	107.1M	71.8M	41.1M	4M	4.2M	5.2M	3.6M	58.4M	59.6M	60.5M	49.7M
Long-Term Investments	21.2B	20.5B	20.3B	17.1B	15.5B	14.5B	8.6B	6.3B	5.4B	4B	2.9B	2.5B	2B	1.9B	2.2B	1.9B	2B	1.9B	1.7B	1.4B
Tax Assets	0.0	0.0	0.0	0.0	33.3M	2.2M	35.1M	28.3M	40.8M	19.5M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Non-Current Assets	913.2M	856.6M	805.5M	768.4M	624.7M	479.1M	244.3M	169.3M	190.2M	157.8M	210.8M	199.5M	168.1M	178.7M	185.9M	92.1M	83.7M	36.4M	39.5M	134M
Total Non-Current Assets	23.4B	22.6B	22.4B	19.2B	17.4B	16.2B	9.6B	6.7B	5.9B	4.4B	3.3B	2.9B	2.2B	2.1B	2.5B	2.1B	2.2B	2B	1.9B	1.6B
Total Assets	26.3B	25.2B	25.1B	23.9B	20.4B	18.2B	11.4B	7.9B	6.9B	5.6B	4B	3.7B	3B	3B	3B	2.4B	2.4B	2.1B	2B	1.7B
LIABILITIES
CURRENT LIABILITIES
Total Payables	0.0	0.0	0.0	0.0	0.0	19.6M	19.5M	8.8M	6.3M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Payables	0.0	0.0	0.0	0.0	0.0	19.6M	19.5M	8.8M	6.3M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Short Term Debt	0.0	0.0	0.0	5.8M	11.6M	20.6M	90.4M	30.6M	92.4M	87.6M	97.3M	93.5M	50.1M	57.7M	68.2M	55.3M	27.4M	14.7M	15.9M	10.3M
Tax Payables	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	24.4M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Current Liabilities	21.7B	20.7B	19.5B	19.7B	17B	14B	9.6B	6.6B	5.6B	4.9B	3.4B	3B	2.6B	2.6B	2.5B	2.1B	2B	1.8B	1.7B	1.4B
Total Current Liabilities	21.7B	20.7B	19.5B	19.7B	17B	14B	9.7B	6.7B	5.7B	5B	3.5B	3.1B	2.7B	2.6B	2.6B	2.2B	2B	1.8B	1.7B	1.4B
NON-CURRENT LIABILITIES
Long Term Debt	424.1M	639.9M	2B	866.2M	549.5M	1.5B	171M	336.1M	537.7M	84.9M	120.2M	240M	42.3M	62.3M	85.8M	44.3M	114.3M	132.8M	117.8M	146.7M
Other Non-Current Liabilities	364M	428.5M	389.1M	354.3M	272.6M	199M	76.5M	59.1M	40.4M	22.4M	22.4M	18.2M	23M	-11M	9.4M	6.4M	12.5M	16.1M	24.9M	16.2M
Total Non-Current Liabilities	788.1M	1.1B	2.4B	1.2B	822.1M	1.7B	247.5M	395.2M	578.1M	107.3M	142.6M	258.2M	65.3M	51.3M	95.2M	50.6M	126.8M	148.8M	142.7M	163M
Capital Lease Obligations	0.0	47.3M	53.8M	52.8M	63.7M	30.4M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	22.5B	21.8B	21.9B	20.9B	17.8B	15.8B	10B	7.1B	6.2B	5.1B	3.7B	3.4B	2.7B	2.7B	2.7B	2.2B	2.2B	1.9B	1.9B	1.5B
SHAREHOLDERS' EQUITY
Treasury Stock	-103.1M	-95.2M	-74.8M	-52.4M	-43M	-35M	-16.6M	-14.5M	-13.6M	-12.4M	-11.7M	-11.2M	-11.1M	-10.8M	-10.8M	-10.8M	-10.8M	-10.8M	-10.6M	-10.5M
Preferred Stock	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	28M	27.7M	50.7M	50.1M	49.6M	49M	0.0	0.0	0.0
Common Stock	72.7M	72.5M	72.3M	72M	71.8M	71.5M	49M	38.7M	36.4M	33.6M	28.2M	26.5M	25.2M	25.1M	25M	15.4M	15.1M	14.9M	14.9M	14.3M
Additional Paid-In Capital	2B	1.9B	1.9B	1.9B	1.9B	1.9B	1.1B	508.4M	410.3M	337.3M	225M	189.7M	164.9M	166.6M	165.9M	89.4M	87.2M	82.8M	81.5M	67.4M
Retained Earnings	1.9B	1.5B	1.3B	1B	671.5M	508M	377.1M	273.1M	214.5M	152.8M	118.4M	84M	65.7M	54.9M	37M	44.2M	92.4M	103.1M	95.5M	80.7M
Accumulated Other Comprehensive Income/Loss	-30.1M	-35.9M	-46.5M	15.6M	33.5M	18M	-4.8M	-1.3M	-1.1M	3.4M	6.1M	-294K	6.6M	7.3M	6.2M	7.2M	6.5M	1.3M	-2.5M	-3.2M
Total Stockholders' Equity	3.8B	3.4B	3.2B	3B	2.6B	2.5B	1.5B	804.5M	646.4M	514.8M	366M	316.7M	279M	293.8M	273.4M	195M	239.4M	191.2M	178.7M	148.7M
Total Equity	3.8B	3.4B	3.2B	3B	2.6B	2.5B	1.5B	804.5M	646.4M	514.8M	366M	316.7M	279M	293.8M	273.4M	195M	239.4M	191.2M	178.7M	148.7M
SUMMARY
Total Liabilities & Equity	26.3B	25.2B	25.1B	23.9B	20.4B	18.2B	11.4B	7.9B	6.9B	5.6B	4B	3.7B	3B	3B	3B	2.4B	2.4B	2.1B	2B	1.7B
Total Investments	22.8B	21.9B	21.8B	17.7B	16.5B	15.9B	9.8B	7.1B	6.2B	4.8B	3.5B	3B	2.3B	2.2B	2.2B	1.9B	2B	1.9B	1.7B	1.4B
Total Debt	424.1M	639.9M	2B	872.1M	561.1M	1.5B	261.3M	366.7M	630.1M	172.5M	217.5M	333.6M	92.4M	119.9M	153.9M	99.5M	141.7M	147.5M	133.7M	157.1M
Net Debt	-796.3M	-527.4M	885.9M	-3.2B	-1.5B	949.2M	-393.9M	36.1M	431.7M	-212.6M	52.7M	80.5M	-181.5M	-146.1M	-153.1M	-176.6M	-24.5M	75.6M	-58.9M	82.6M
Shares Outstanding	68,644,419	68,644,419	68,644,419	68,644,419	68,644,419	68,644,419	68,644,419	68,644,419	68,644,419	68,644,419	68,644,419	68,644,419	68,644,419	68,644,419	68,644,419	68,644,419	68,644,419	68,644,419	68,644,419	68,644,419

SEC 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	View Filing
10-Q 10-Q 2026 Q1 Q1	May 08, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 23, 2026	April 23, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	April 07, 2026	May 21, 2026	2026	View Filing
10-K 10-K 2025 FY FY	February 26, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	February 24, 2026	February 19, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 29, 2026	January 29, 2026	2026	View Filing
10-Q 10-Q 2025 Q3 Q3	November 07, 2025	September 30, 2025	2025	View Filing
8-K 8-K 2025 N/A	October 27, 2025	October 27, 2025	2025	View Filing
8-K 8-K 2025 N/A	October 20, 2025	October 20, 2025	2025	View Filing

Showing 1 to 10 of 481 filings

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