ABCB — Ameris Bancorp
NYSE · Financials · Banks - Regional
About Ameris Bancorp
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.
🤖 AI Earnings Analysis
Ameris delivered a mixed quarter: regional-bank EPS of $1.73 beat estimates by $0.05 and rose 13% year over year, but revenue of $321 million missed by $6 million. With no material catalyst or guidance change reported, earnings strength is encouraging but top-line momentum remains modest.
AI-generated summary — powered by BigEarnings.
Earnings History
| Date | Period | EPS Est. | EPS Act. | Surprise | Revenue | Result | 1D Δ | 1W Δ | 1M Δ |
|---|---|---|---|---|---|---|---|---|---|
| 2026-10-22 | Q3 2026 | 1.68 | 1.73 | +2.98% | $320.9M | ✅ Beat | +0.32% | — | — |
| 2026-07-23 | Q2 2026 | 1.66 | 1.60 | -3.61% | $326.0M | ❌ Miss | -1.61% | -1.79% | -3.32% |
| 2026-04-23 | Q1 2026 | 1.55 | 1.63 | +5.16% | $314.4M | ✅ Beat | +0.32% | +0.75% | +0.08% |
| 2026-01-29 | Q4 2025 | 1.57 | 1.59 | +1.27% | $307.1M | ✅ Beat | -0.84% | +3.73% | -2.44% |
| 2025-10-27 | Q3 2025 | 1.47 | 1.53 | +4.08% | $314.2M | ✅ Beat | -1.89% | -2.85% | +2.48% |
| 2025-07-28 | Q2 2025 | 1.34 | 1.59 | +18.66% | $300.7M | ✅ Beat | +5.34% | +0.31% | +9.98% |
| 2025-04-28 | Q1 2025 | 1.14 | 1.28 | +12.28% | $285.9M | ✅ Beat | +3.58% | +5.62% | +8.13% |
| 2025-01-30 | Q4 2024 | 1.19 | 1.38 | +15.97% | $290.8M | ✅ Beat | +0.12% | +4.42% | -2.22% |
Showing last 8 quarters.
Revenue by segment & region
By segment
Q4 FY18 · $26.7M total
| Segment | Share | Revenue | YoY | Q2 FY18 | Q3 FY18 | Q4 FY18 |
|---|---|---|---|---|---|---|
| Service Charges On Deposit Accounts | 47.3% | $12.6M | — | $10.6M | $12.7M | $12.6M |
| Debit Card Interchange Fees | 19.4% | $5.2M | — | $4.6M | $5.0M | $5.2M |
| Overdraft Fees | 19.1% | $5.1M | — | $4.1M | $5.0M | $5.1M |
| Other Service Charges On Deposit Accounts | 8.8% | $2.3M | — | $1.9M | $2.7M | $2.3M |
| ATM Fees | 2.7% | $730K | — | $632K | $697K | $730K |
| Other Service Charges, Commissions and Fees | 2.7% | $730K | — | $632K | $697K | $730K |
Source: company filings via FMP. YoY compares the same fiscal period a year earlier.