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Complete financial analysis of Ameris Bancorp (ABCB) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Ameris Bancorp, a leading company in the Banks – Regional industry within the Financial Services sector.
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Ameris Bancorp (ABCB)
About Ameris Bancorp
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.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 | 1996 | 1995 | 1994 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1.45B | 1.09B | 1.02B | 1.08B | 699.20M | 457.79M | 361.09M | 319.00M | 243.42M | 199.22M | 147.25M | 129.83M | 139.46M | 109.87M | 132.38M | 91.81M | 92.67M | 89.22M | 66.14M | 58.01M | 57.06M | 61.92M | 52.91M | 46.39M | 43.40M | 43.20M | 40.40M | 32.90M | 19.30M | 16.50M |
| Cost of Revenue | -75.88M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -15.49M | -22.42M | 0.00 | 0.00 | 38.57M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 1.52B | 1.09B | 1.02B | 1.08B | 699.20M | 457.79M | 361.09M | 319.00M | 243.42M | 199.22M | 162.73M | 152.24M | 139.46M | 109.87M | 93.81M | 91.81M | 92.67M | 89.22M | 66.14M | 58.01M | 57.06M | 61.92M | 52.91M | 46.39M | 43.40M | 43.20M | 40.40M | 32.90M | 19.30M | 16.50M |
| Gross Profit Ratio | 105.24% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 110.52% | 117.27% | 100.00% | 100.00% | 70.87% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 347.05M | 319.72M | 337.78M | 360.28M | 223.94M | 149.29M | 120.02M | 106.84M | 94.00M | 73.88M | 56.67M | 55.35M | 77.51M | 61.11M | 38.82M | 31.70M | 29.84M | 27.04M | 22.48M | 20.89M | 19.60M | 21.16M | 18.17M | 16.42M | 14.90M | 14.00M | 13.70M | 10.70M | 6.20M | 5.70M |
| Selling & Marketing | 11.86M | 12.48M | 8.43M | 8.05M | 7.93M | 5.57M | 5.13M | 4.18M | 3.31M | 2.87M | 1.62M | 1.62M | 722.00K | 566.00K | 1.65M | 3.08M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A | 358.91M | 332.20M | 346.21M | 368.32M | 231.87M | 154.86M | 125.15M | 111.02M | 97.32M | 76.75M | 58.29M | 56.97M | 78.23M | 61.67M | 40.47M | 34.78M | 29.84M | 27.04M | 22.48M | 20.89M | 19.60M | 21.16M | 18.17M | 16.42M | 14.90M | 14.00M | 13.70M | 10.70M | 6.20M | 5.70M |
| Other Expenses | 683.60M | -871.66M | -867.43M | -1.11B | -719.48M | -425.02M | -318.54M | -295.56M | -261.07M | -198.44M | -176.65M | -167.39M | -26.87M | -14.65M | -38.57M | -76.22M | -29.06M | -28.86M | -40.81M | -39.81M | -36.65M | -39.50M | -21.85M | -17.56M | -20.60M | -21.20M | -17.60M | -13.00M | -8.60M | -10.10M |
| Operating Expenses | 1.04B | -539.46M | -521.22M | -738.90M | -487.61M | -236.36M | -193.39M | -184.54M | -163.76M | -121.69M | -118.36M | -110.42M | 51.37M | 47.02M | 1.90M | -41.44M | 782.00K | -1.82M | -18.32M | -18.92M | -17.05M | -18.34M | -3.68M | -1.14M | -5.70M | -7.20M | -3.90M | -2.30M | -2.40M | -4.40M |
| Cost & Expenses | 1.04B | -539.46M | -521.22M | -738.90M | -487.61M | -236.36M | -193.39M | -184.54M | -163.76M | -121.69M | -15.49M | -22.42M | 51.37M | 47.02M | 40.47M | -41.44M | 782.00K | -1.82M | -18.32M | -18.92M | -17.05M | -18.34M | -3.68M | -1.14M | -5.70M | -7.20M | -3.90M | -2.30M | -2.40M | -4.40M |
| Interest Income | 1.28B | 893.89M | 703.11M | 726.50M | 636.39M | 413.33M | 294.35M | 239.07M | 190.39M | 164.57M | 126.32M | 129.48M | 141.07M | 119.07M | 114.57M | 129.01M | 146.08M | 124.11M | 79.54M | 64.37M | 64.48M | 74.45M | 76.09M | 68.98M | 59.80M | 59.90M | 58.70M | 47.80M | 26.70M | 21.30M |
| Interest Expense | 445.39M | 92.86M | 47.79M | 88.75M | 131.23M | 69.93M | 34.22M | 19.69M | 14.86M | 14.68M | 10.14M | 15.07M | 27.55M | 29.79M | 40.55M | 56.34M | 71.00M | 54.15M | 26.93M | 19.38M | 22.05M | 28.14M | 34.90M | 30.81M | 24.40M | 26.40M | 26.00M | 21.20M | 10.70M | 7.80M |
| Depreciation & Amortization | 48.72M | 50.80M | 47.93M | 55.11M | 41.10M | 19.53M | 13.13M | 13.90M | 3.74M | 2.33M | 1.41M | 1.36M | 1.00M | 988.00K | 644.00K | 4.53M | 4.36M | 4.86M | 3.29M | 2.93M | 3.25M | 4.45M | 4.23M | 3.38M | 3.00M | 3.00M | 2.70M | 2.00M | 1.20M | 1.10M |
| EBITDA | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| EBITDA Ratio | 0.00% | 52.12% | 50.24% | 33.35% | 32.79% | 52.63% | 47.53% | 43.52% | 34.26% | 40.09% | 31.10% | 33.26% | 46.31% | 24.52% | 7.78% | 59.80% | 105.55% | 103.41% | 77.27% | 72.45% | 75.82% | 77.56% | 101.03% | 104.83% | 93.78% | 90.28% | 97.03% | 99.09% | 93.78% | 80.00% |
| Operating Income | 0.00 | 545.96M | 496.11M | 340.24M | 211.58M | 221.42M | 167.70M | 134.46M | 79.66M | 77.53M | 44.38M | 41.83M | 63.58M | 25.95M | 9.65M | 50.37M | 93.45M | 87.41M | 47.81M | 39.10M | 40.01M | 43.58M | 49.23M | 45.25M | 37.70M | 36.00M | 36.50M | 30.60M | 16.90M | 12.10M |
| Operating Income Ratio | 0.00% | 50.30% | 48.77% | 31.53% | 30.26% | 48.37% | 46.44% | 42.15% | 32.73% | 38.92% | 30.14% | 32.22% | 45.59% | 23.62% | 7.29% | 54.87% | 100.84% | 97.96% | 72.29% | 67.39% | 70.12% | 70.38% | 93.04% | 97.54% | 86.87% | 83.33% | 90.35% | 93.01% | 87.56% | 73.33% |
| Total Other Income/Expenses | 356.94M | -7.20M | -10.26M | -75.15M | 211.58M | -29.80M | -8.33M | -14.46M | -15.20M | -9.24M | -8.09M | 16.55M | -31.94M | -7.18M | -44.15M | -5.97M | -71.00M | -54.15M | -26.93M | -19.38M | -22.05M | -28.14M | -34.90M | -30.81M | -24.40M | -26.40M | -26.00M | -21.20M | -10.70M | -7.80M |
| Income Before Tax | 356.94M | 453.10M | 496.11M | 340.24M | 211.58M | 151.49M | 124.28M | 105.25M | 56.74M | 56.21M | 29.30M | 21.72M | 31.65M | -7.18M | -34.49M | -5.97M | 22.45M | 33.26M | 20.88M | 19.72M | 17.96M | 15.43M | 14.33M | 14.44M | 13.30M | 9.60M | 10.50M | 9.40M | 6.20M | 4.30M |
| Income Before Tax Ratio | 24.66% | 41.74% | 48.77% | 31.53% | 30.26% | 33.09% | 34.42% | 32.99% | 23.31% | 28.21% | 19.90% | 16.73% | 22.69% | -6.54% | -26.06% | -6.50% | 24.23% | 37.27% | 31.57% | 34.00% | 31.48% | 24.92% | 27.07% | 31.13% | 30.65% | 22.22% | 25.99% | 28.57% | 32.12% | 26.06% |
| Income Tax Expense | 87.83M | 106.56M | 119.20M | 78.26M | 50.14M | 30.46M | 50.73M | 33.15M | 15.90M | 17.48M | 9.29M | 7.29M | 10.56M | -3.20M | 7.30M | -2.05M | 7.30M | 11.13M | 7.15M | 6.62M | 5.95M | 5.08M | 4.69M | 4.34M | 4.30M | 2.70M | 3.10M | 2.70M | 1.90M | 1.20M |
| Net Income | 269.11M | 346.54M | 376.91M | 261.99M | 161.44M | 121.03M | 73.55M | 72.10M | 40.85M | 38.72M | 20.02M | 14.44M | 21.09M | -3.99M | -41.79M | -3.92M | 15.15M | 22.13M | 13.73M | 13.10M | 12.01M | 10.36M | 9.63M | 10.10M | 9.00M | 6.90M | 7.40M | 6.70M | 4.30M | 3.10M |
| Net Income Ratio | 18.59% | 31.93% | 37.05% | 24.28% | 23.09% | 26.44% | 20.37% | 22.60% | 16.78% | 19.44% | 13.59% | 11.12% | 15.12% | -3.63% | -31.57% | -4.27% | 16.35% | 24.80% | 20.76% | 22.58% | 21.05% | 16.72% | 18.21% | 21.77% | 20.74% | 15.97% | 18.32% | 20.36% | 22.28% | 18.79% |
| EPS | 3.90 | 5.01 | 5.43 | 3.78 | 2.76 | 2.81 | 2.00 | 2.10 | 1.29 | 1.48 | 0.76 | 0.46 | 0.76 | -0.19 | -3.00 | -0.28 | 1.09 | 1.66 | 1.12 | 1.09 | 1.00 | 0.85 | 0.85 | 0.96 | 0.83 | 0.64 | 0.70 | 0.68 | 0.64 | 0.57 |
| EPS Diluted | 3.89 | 4.99 | 5.40 | 3.77 | 2.75 | 2.80 | 1.98 | 2.08 | 1.27 | 1.46 | 0.75 | 0.46 | 0.76 | -0.19 | -3.00 | -0.28 | 1.08 | 1.63 | 1.11 | 1.08 | 0.99 | 0.85 | 0.84 | 0.96 | 0.83 | 0.64 | 0.69 | 0.68 | 0.64 | 0.57 |
| Weighted Avg Shares Out | 68.98M | 69.19M | 69.43M | 69.26M | 58.46M | 43.14M | 36.83M | 34.35M | 31.76M | 25.97M | 23.92M | 23.80M | 23.45M | 20.50M | 13.91M | 13.89M | 13.86M | 13.30M | 12.27M | 12.03M | 11.99M | 12.17M | 11.32M | 10.47M | 10.78M | 10.78M | 10.62M | 10.58M | 6.27M | 5.46M |
| Weighted Avg Shares Out (Dil) | 69.10M | 69.42M | 69.76M | 69.43M | 58.61M | 43.25M | 37.14M | 34.70M | 32.13M | 26.26M | 24.35M | 23.84M | 23.54M | 20.50M | 13.91M | 13.89M | 14.01M | 13.54M | 12.38M | 12.13M | 12.11M | 12.17M | 11.43M | 10.47M | 10.78M | 10.78M | 10.75M | 10.58M | 6.27M | 5.46M |
Are Finance Stocks Lagging Ameris Bancorp (ABCB) This Year?
Here is how Ameris Bancorp (ABCB) and FS KKR Capital (FSK) have performed compared to their sector so far this year.
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Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong...
Ameris Bancorp (ABCB) CEO Palmer Proctor on Q2 2022 Results - Earnings Call Transcript
Ameris Bancorp (NASDAQ:ABCB ) Q2 2022 Earnings Conference Call July 27, 2022 9:00 AM ET Company Participants Nicole Stokes - Chief Financial Officer Palmer Proctor - Chief Executive Officer Jon Edwards - Chief Credit Officer Conference Call Participants Brady Gailey...
Ameris Bancorp (ABCB) Q2 Earnings Lag Estimates
Ameris Bancorp (ABCB) delivered earnings and revenue surprises of -0.84% and 5.15%, respectively, for the quarter ended June 2022. Do the numbers hold clues to what lies ahead for the stock?
AMERIS BANCORP ANNOUNCES DATE OF SECOND QUARTER 2022 EARNINGS RELEASE AND CONFERENCE CALL
ATLANTA , July 1, 2022 /PRNewswire/ -- Ameris Bancorp (Nasdaq: ABCB) (the "Company") announced today that it intends to release its second quarter 2022 financial results in a press release after the market closes on Tuesday, July 26, 2022. H. Palmer...
How Ameris (ABCB) Stock Stands Out in a Strong Industry
Ameris (ABCB) has seen solid earnings estimate revision activity over the past month, and belongs to a strong industry as well.
Ameris Bancorp (ABCB) Q1 Earnings Match Estimates
Ameris Bancorp (ABCB) delivered earnings and revenue surprises of 0% and 7.50%, respectively, for the quarter ended March 2022. Do the numbers hold clues to what lies ahead for the stock?
Analysts Estimate Ameris Bancorp (ABCB) to Report a Decline in Earnings: What to Look Out for
Ameris Bancorp (ABCB) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
Are Investors Undervaluing Ameris Bancorp (ABCB) Right Now?
Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong...
Ameris Bancorp (ABCB) Could Find Support Soon, Here's Why You Should Buy the Stock Now
Ameris Bancorp (ABCB) witnesses a hammer chart pattern, indicating support found by the stock after losing some value lately. This coupled with an upward trend in earnings estimate revisions could mean a trend reversal for the stock in the near...
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