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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.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $1.2B | - | $412M | $370M | 10.1% | 6.3% | 14.9% |
| 2024 | $1.1B | - | $359M | $141M | 9.6% | 5.9% | 33.3% |
| 2023 | $1.0B | - | $269M | $551M | 7.9% | -0.6% | -22.3% |
| 2022 | $1.0B | - | $347M | $1.0B | 10.8% | - | - |
| 2021 | - | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 1,048.59 | 1,042.51 | 1,103.80 | 1,173.68 |
| Pretax Income | - | 453.10 | 356.94 | 475.86 | 533.76 |
| Tax Provision | - | 106.56 | 87.83 | 117.18 | 121.61 |
| Net Income | - | 346.54 | 269.10 | 358.68 | 412.15 |
| Net Income Common Stockholders | - | 346.54 | 269.10 | 358.68 | 412.15 |
| Interest Expense | - | 92.86 | 445.39 | 529.09 | 457.60 |
| Interest Income | - | 893.89 | 1,280.44 | 1,378.28 | 1,394.52 |
| Selling General And Administration | - | 339.81 | 358.69 | 375.75 | 371.22 |
| Normalized Income | - | 347.47 | 269.10 | 358.68 | 412.15 |
| Market Cap | 5,714.82 | 5,714.82 | 5,714.82 | 5,714.82 | 5,714.82 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Ameris Bancorpthis co. | ABCB | - | 13.87↓ discount | 1.40 | 10.1% | - |
| Seacoast Banking Corporation of Florida | SBCF | $2.8B | 21.13 | 1.13 | 5.3% | - |
| Merchants Bancorp | MBIN | $2.8B | 10.29 | 1.30 | 12.6% | - |
| Artisan Partners Asset Management Inc. | APAM | $2.7B | 9.24 | 6.11 | 66.2% | 5.40 |
| The Bancorp, Inc. | TBBK | $2.6B |
| - |
| - |
| - |
| - |
| 10.71 |
| 3.54 |
| 33.1% |
| - |
| Acadian Asset Management Inc. | AAMI | $2.5B | 30.27 | 39.96 | 132.0% | 14.22 |
| WisdomTree, Inc. | WT | $2.3B | 21.24 | 5.60 | 26.4% | 16.65 |
| Hilltop Holdings Inc. | HTH | $2.3B | 12.95 | 0.99 | 7.6% | - |
| Stewart Information Services Corporation | STC | $2.0B | 18.87 | 1.33 | 7.0% | - |
| Peer Median | - | 15.91 | 2.44 | 19.5% | 14.22 | |