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 SnapshotAmeris Bancorp Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Weak cash conversion. Significant portion of earnings not converting to cash—review working capital trends and capital intensity.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.
Working Capital Impact
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Cash Flow Quality Insight
Deteriorating cash generation: Both declining FCF and weak conversion rate signal fundamental challenges. Investigate margin pressure, rising costs, or working capital issues.
Ameris Bancorp Cash Flow Statement
ABCB • NASDAQ
| Ameris Bancorp Cash Flow Statement | 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 | Feb 2008 | Dec 2006 | Dec 2005 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
358.7M | 269.1M | 346.5M | 376.9M | 262M | 161.4M | 121M | 73.5M | 72.1M | 40.8M | 38.7M | 20M | 14.4M | 21.1M | -4M | -41.8M | -3.9M | 15.2M | 22.1M | 13.7M | |
46.7M | 45.9M | 53.6M | 47.9M | 55.1M | 41.1M | 19.5M | 13.1M | 13.9M | 11.8M | 9M | 6.4M | 6.4M | 5.4M | 4.3M | 4.2M | 4.5M | 4.4M | 4M | 3.3M | |
-20.1M | -20.5M | -35.7M | 38.4M | -7.9M | 22.8M | 1.4M | 12.4M | 847K | -344K | 6.5M | 3.5M | 2.5M | 8.1M | -1.8M | 10.5M | -4.7M | -1.5M | -249K | -35K | |
13.4M | 10M | 6.7M | 7.9M | 3.8M | 3.4M | 6.2M | 3.3M | 2.3M | 1.5M | 2.1M | 1M | 1M | 785K | 724K | 701K | -97K | 0.0 | 0.0 | 0.0 | |
-224.7M | 231.5M | 712.3M | -482.1M | 627.8M | -1.2B | -245M | -174.9M | -154.9M | -98.6M | -66.5M | -35.3M | -63.6M | -3.4M | 41.3M | 69.6M | 28.5M | 6.5M | 6.8M | 6.5M | |
(102.5M) | (101.3M) | (133.9M) | (71.8M) | (98.6M) | (35.9M) | (20M) | (38.9M) | (40.6M) | (5.8M) | (19.3M) | (16.9M) | (2.6M) | (1.1M) | (1.2M) | (5.2M) | (0.0) | (0.0) | (0.0) | (0.0) | |
-19.9M | 32.9M | -21M | 20M | -142.4M | 28.8M | -11.9M | 9.9M | -4M | 19.5M | 4.6M | 26.2M | 31.4M | 14.2M | 4.5M | -19.3M | 1.2M | -1.4M | 2M | -1.8M | |
154.2M | 569M | 1.1B | 9.1M | 798.4M | -940.2M | -108.8M | -62.6M | -69.8M | -25.2M | -5.6M | 21.8M | -7.8M | 46.2M | 45M | 23.9M | 25.6M | 23M | 34.7M | 21.7M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
-13.5M | -17.5M | -13.6M | -25.4M | -18.1M | -11.6M | -10M | -3.8M | -11M | -12.6M | -5.7M | -5.6M | -9.1M | -12M | -5.1M | -6.9M | -10.2M | -15.7M | -6.3M | -3M | |
(0.0) | (0.0) | -14M | -126.7M | -2.4M | (244.2M) | (51.5M) | (0.0) | -7.2M | (673.9M) | (17M) | (25.8M) | (220.5M) | (38M) | -187.7M | (67.9M) | (0.0) | (0.0) | -199K | (0.0) | |
-719.5M | -39.1M | -1.3B | -99.3M | (0.0) | -264.3M | -290.6M | -113.3M | -218.8M | -249.1M | -126.9M | -91.3M | -146.8M | -143.7M | -52.8M | -77M | -168.7M | -137.8M | -98.5M | -80.5M | |
454.5M | 187.4M | 189.2M | 365.4M | 472.4M | 331.2M | 254.6M | 129.3M | 207.4M | 163.4M | 153.3M | 87.2M | 180.2M | 179.8M | 99.1M | 219.9M | 96.9M | 143.1M | 73.8M | 69.5M | |
-568.2M | -469M | -3.7B | -535M | -1.7B | -786.6M | -58.8M | -679.2M | -773.3M | -743.5M | -6.5M | 47.2M | 209.8M | 216.3M | 266.9M | -23.5M | -234.2M | -73.1M | -250.4M | -108M | |
-846.7M | -338.2M | -4.9B | -421M | -1.2B | -487.1M | -53.3M | -666.9M | -802.9M | -167.9M | (31.2M) | (63.3M) | (454.6M) | (278.5M) | (120.5M) | (180.5M) | -316.3M | -83.4M | -281.6M | -121.9M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-8M | -20.3M | -22.4M | -9.4M | -8M | -18.4M | -2.1M | 87.8M | -1.2M | 114.2M | -474K | -116K | -235K | 0.0 | 85.3M | -25K | -18K | 0.0 | 296K | 665K | |
-219M | -1.4B | 1.1B | -296.3M | -978.7M | 1.1B | -314.3M | -241.9M | 404.9M | -39.9M | -138.1M | -2.7M | -30.3M | -44.5M | -2M | -79.3M | -18.5M | 13.8M | -24.3M | -7.6M | |
-41.5M | -41.6M | -41.6M | -41.8M | -41.7M | -24.7M | -16.4M | -14.7M | -8.6M | -6.4M | -4.3M | -1.4M | -2.6M | -2.6M | -2.7M | -4M | -5.2M | -7.5M | -7.3M | -6.4M | |
-8M | -20.3M | -22.4M | -9.4M | -8M | -18.4M | -2.1M | -886K | -1.2M | -732K | -28.5M | -116K | -24.2M | (0.0) | -19K | -25K | -18K | (0.0) | (0.0) | (0.0) | |
1B | 1.2B | -205.9M | 2.7B | 2.9B | 317.5M | 843.7M | 1B | 285.4M | 345.5M | 47.7M | -86.8M | -374.8M | -286.3M | -252.8M | -106.9M | 272.3M | 47.1M | 270.7M | 147.6M | |
745.6M | -181.6M | 865.5M | 2.4B | 1.9B | 1.4B | 511M | 861.7M | 680.5M | 413.3M | -123.2M | -91.1M | -432.1M | -333.5M | -172.2M | -190.2M | 297.6M | 53.4M | 239.4M | 134.3M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
53.1M | 49.2M | -2.9B | 1.9B | 1.5B | -57.7M | 348.9M | 132.3M | -192.2M | 220.2M | -97.6M | -6M | 14.7M | -8.8M | -6.7M | 14.3M | 7M | -7.1M | -7.6M | 34.1M | |
1.2B | 1.1B | 4.1B | 2.1B | 621.8M | 679.5M | 330.7M | 198.4M | 390.6M | 170.4M | 267.9M | 273.9M | 65.5M | 74.3M | 81.1M | 66.8M | 59.8M | 66.9M | 74.4M | 40.3M | |
1.2B | 1.2B | 1.1B | 4.1B | 2.1B | 621.8M | 679.5M | 330.7M | 198.4M | 390.6M | 170.4M | 267.9M | 80.3M | 65.5M | 74.3M | 81.1M | 66.8M | 59.8M | 66.9M | 74.4M | |
140.7M | 551.4M | 1B | -16.3M | 780.3M | -951.8M | -118.8M | -66.3M | -80.7M | -37.8M | -11.3M | 16.2M | -16.9M | 34.1M | 39.9M | 17.1M | 15.4M | 7.4M | 28.4M | 18.7M |
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 | |
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 |
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