ABCB
Ameris Bancorp
NYSE: ABCB · FINANCIAL SERVICES · BANKS - REGIONAL
$84.32
-1.56% today
Updated 2026-04-29
Market cap
$5.77B
P/E ratio
13.47
P/S ratio
4.92x
EPS (TTM)
$6.36
Dividend yield
0.94%
52W range
$57 – $88
Volume
0.6M
Ameris Bancorp (ABCB) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $143.37M | $163.67M | $148.16M | $134.36M | $139.67M | $167.01M | $144.90M | $157.38M | $213.90M | $258.27M | $338.69M | $395.31M | $527.72M | $819.61M | $1.15B | $1.04B | $1.14B | $1.49B | $1.63B | $1.67B |
| Revenue growth (YoY) | — | +14.2% | -9.5% | -9.3% | +4.0% | +19.6% | -13.2% | +8.6% | +35.9% | +20.7% | +31.1% | +16.7% | +33.5% | +55.3% | +39.9% | -9.4% | +9.9% | +30.4% | +9.7% | +2.0% |
| Cost of revenue | $56.99M | $82.32M | $91.37M | $82.62M | $80.31M | $60.28M | $46.16M | $21.62M | $20.33M | $20.12M | $23.79M | $42.59M | $86.60M | $150.99M | $234.13M | $12.42M | $164.56M | $588.05M | $587.89M | $527.85M |
| Gross profit | $86.39M | $81.35M | $56.78M | $51.74M | $59.35M | $106.73M | $98.74M | $135.76M | $193.57M | $238.15M | $314.91M | $352.73M | $441.12M | $668.62M | $912.86M | $1.03B | $976.89M | $899.85M | $1.05B | $1.14B |
| Gross margin | 60.3% | 49.7% | 38.3% | 38.5% | 42.5% | 63.9% | 68.1% | 86.3% | 90.5% | 92.2% | 93.0% | 89.2% | 83.6% | 81.6% | 79.6% | 98.8% | 85.6% | 60.5% | 64.0% | 68.3% |
| R&D | — | — | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — | — |
| SG&A | $27.04M | $29.84M | $38.16M | $38.82M | $31.92M | $40.21M | $53.12M | $58.99M | $76.85M | $97.48M | $110.55M | $122.86M | $152.54M | $225.88M | $374.36M | $343.39M | $327.78M | $347.05M | $363.14M | $393.79M |
| Operating income | $33.26M | $22.45M | $-5.97M | $-34.49M | $-7.18M | $31.65M | $21.72M | $29.30M | $56.20M | $56.74M | $105.25M | $124.28M | $151.49M | $211.58M | $340.24M | $496.11M | $453.10M | $356.94M | $475.86M | $533.76M |
| Operating margin | 23.2% | 13.7% | -4.0% | -25.7% | -5.1% | 19.0% | 15.0% | 18.6% | 26.3% | 22.0% | 31.1% | 31.4% | 28.7% | 25.8% | 29.7% | 47.8% | 39.7% | 24.0% | 29.1% | 32.0% |
| EBITDA | $37.29M | $26.81M | $-1.44M | $-30.25M | $-2.85M | $37.04M | $28.11M | $35.66M | $65.18M | $68.54M | $119.14M | $137.41M | $171.02M | $252.68M | $395.36M | $544.04M | $506.72M | $402.87M | $522.59M | $533.76M |
| EBITDA margin | 26.0% | 16.4% | -1.0% | -22.5% | -2.0% | 22.2% | 19.4% | 22.7% | 30.5% | 26.5% | 35.2% | 34.8% | 32.4% | 30.8% | 34.5% | 52.4% | 44.4% | 27.1% | 32.0% | 32.0% |
| EBIT | $33.26M | $22.45M | $-5.97M | $-34.49M | $-7.18M | $31.65M | $21.72M | $29.30M | $56.20M | $56.74M | $105.25M | $124.28M | $151.49M | $211.58M | $340.24M | $496.11M | $453.10M | $356.94M | $475.86M | — |
| Interest expense | $54.15M | $71.00M | $56.34M | $40.55M | $29.79M | $27.55M | $15.07M | $10.14M | $14.68M | $14.86M | $19.69M | $34.22M | $69.93M | $131.23M | $88.75M | $47.78M | $92.86M | $445.39M | $529.09M | $457.60M |
| Income tax | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $22.13M | $15.15M | $-3.92M | $-41.79M | $-3.99M | $21.09M | $14.44M | $20.02M | $38.72M | $40.85M | $72.10M | $73.55M | $121.03M | $161.44M | $261.99M | $376.91M | $346.54M | $269.11M | $358.69M | $412.15M |
| Net income growth (YoY) | — | -31.5% | -125.8% | -967.1% | +90.5% | +628.8% | -31.6% | +38.7% | +93.4% | +5.5% | +76.5% | +2.0% | +64.6% | +33.4% | +62.3% | +43.9% | -8.1% | -22.3% | +33.3% | +14.9% |
| Profit margin | 15.4% | 9.3% | -2.6% | -31.1% | -2.9% | 12.6% | 10.0% | 12.7% | 18.1% | 15.8% | 21.3% | 18.6% | 22.9% | 19.7% | 22.8% | 36.3% | 30.4% | 18.1% | 22.0% | 24.7% |