ABCB FY 2025 Earnings Report — Ameris Bancorp Revenue & Financial Results | Market Cap Arena

Ameris BancorpABCB

FY 2025 Earnings

Reported February 26, 2026

Quarter Comparison

Revenue

Operating Income

Gross Margin

Net Margin

EPS (Diluted)

Free Cash Flow

Metric	FY 2025	Prior Q	FY 2024	QoQ Change	YoY Change
Revenue	$1.7B	—	$1.6B	—	2.0%
Op. Income	$534M	—	$476M	—	12.2%
Gross Margin	68.3%	—	64.0%	—	4.3pp
Net Margin	24.7%	—	22.0%	—	2.8pp
EPS (Diluted)	$6.00	—	$5.19	—	15.6%
Free Cash Flow	$370M	—	$141M	—	162.7%

Revenue Flow

Item	Amount
REVENUE	$1.7B
Cost of Revenue	$528M
GROSS PROFIT	$1.1B
R&D Expenses	$0
Selling & Marketing	$0
General & Administrative	$394M
SG&A Expenses	$394M
Other Expenses	$210M
Operating Expenses	$604M
Cost & Expenses	$1.1B
OPERATING INCOME	$534M
Interest Income	$1.4B
Interest Expense	$458M
Other Income/Expenses	$0
INCOME BEFORE TAX	$534M
Income Tax Expense	$122M
Net Income from Continuing Ops	$412M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$412M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$412M
D&A	$0
EBIT	$534M
EBITDA	$534M
EPS	$6
EPS Diluted	$6

Income Statement

Item	Amount
REVENUE	$1.7B
Cost of Revenue	$528M
GROSS PROFIT	$1.1B
R&D Expenses	$0
Selling & Marketing	$0
General & Administrative	$394M
SG&A Expenses	$394M
Other Expenses	$210M
Operating Expenses	$604M
Cost & Expenses	$1.1B
OPERATING INCOME	$534M
Interest Income	$1.4B
Interest Expense	$458M
Other Income/Expenses	$0
INCOME BEFORE TAX	$534M
Income Tax Expense	$122M
Net Income from Continuing Ops	$412M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$412M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$412M
D&A	$0
EBIT	$534M
EBITDA	$534M
EPS	$6
EPS Diluted	$6

Cash Flow Statement

Item	Amount
Net Income	$412M
Depreciation & Amortization	$38M
Stock-Based Compensation	$13M
Deferred Income Tax	-$11M
Other Non-Cash Items	-$31M
Change in Working Capital	-$31M
OPERATING CASH FLOW	$390M
Capital Expenditure	-$21M
Acquisitions (Net)	$0
Purchases of Investments	-$1.1B
Sales/Maturities of Investments	$544M
Other Investing Activities	-$747M
NET CASH FROM INVESTING	-$1.3B
Net Debt Issuance	$266M
Common Stock Repurchased	-$83M
Common Dividends Paid	-$55M
Other Financing Activities	$654M
NET CASH FROM FINANCING	$781M
FREE CASH FLOW	$370M
Net Change in Cash	-$131M

Balance Sheet

Item	Amount
Cash & Equivalents	$254M
Short-Term Investments	$0
Net Receivables	$80M
Inventory	$0
Other Current Assets	$0
TOTAL CURRENT ASSETS	$334M
PP&E (Net)	$213M
Goodwill	$1.0B
Intangible Assets	$55M
Long-Term Investments	$25.1B
Tax Assets	$0
Other Non-Current Assets	$723M
TOTAL NON-CURRENT ASSETS	$27.2B
TOTAL ASSETS	$27.5B
Account Payables	$0
Short-Term Debt	$535M
Deferred Revenue	$0
Other Current Liabilities	$0
TOTAL CURRENT LIABILITIES	$535M
Long-Term Debt	$167M
Deferred Revenue NC	$0
Deferred Tax Liabilities	$0
Other Non-Current Liabilities	$22.7B
TOTAL NON-CURRENT LIABILITIES	$22.9B
TOTAL LIABILITIES	$23.4B
Common Stock	$73M
Additional Paid-In Capital	$2.0B
Retained Earnings	$2.2B
Treasury Stock	-$187M
Accum. Other Comp. Income	$8M
Other Equity	$0
TOTAL STOCKHOLDERS' EQUITY	$4.1B
Minority Interest	$0
TOTAL EQUITY	$4.1B
TOTAL LIABILITIES & EQUITY	$27.5B
Total Debt	$743M
Net Debt	$489M