Ameris Bancorp
NYSE: ABCB · FINANCIAL SERVICES · BANKS - REGIONAL
Updated 2026-06-05
Ameris Bancorp (ABCB) Financial statements
SEC filings — annual and quarterly data.
Balance sheet — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total assets | $2.05B | $2.11B | $2.41B | $2.42B | $2.97B | $2.99B | $3.02B | $3.67B | $4.04B | $5.59B | $6.89B | $7.86B | $11.44B | $18.24B | $20.44B | $23.86B | $25.05B | $25.20B | $26.26B | $27.52B |
| Cash & equivalents | $192.65M | $71.83M | $166.17M | $276.10M | $307.04M | $266.06M | $273.93M | $253.02M | $78.04M | $118.52M | $127.16M | $139.31M | $182.85M | $246.48M | $203.60M | $264.81M | $1.12B | $1.17B | $1.22B | $253.81M |
| Current assets | $192.65M | $71.83M | $174.80M | $329.20M | $496.67M | $848.42M | $780.57M | $804.70M | $3.32B | $4.57B | $5.78B | $6.75B | $9.53B | $1.65B | $1.19B | $857.43M | $2.62B | $2.57B | $2.89B | $333.81M |
| Total liabilities | $1.87B | $1.92B | $2.17B | $2.23B | $2.70B | $2.70B | $2.74B | $3.35B | $3.67B | $5.07B | $6.25B | $7.05B | $9.99B | $1.53B | $549.50M | $866.21M | $21.86B | $21.78B | $22.51B | $23.44B |
| Current liabilities | $1.73B | $1.77B | $2.04B | $2.18B | $2.60B | $2.65B | $2.67B | $3.09B | $24.00M | $24.00M | $38.85M | $6.59B | $70.00M | $14.63B | $16.63B | $9.26B | $19.46B | $20.71B | $21.72B | $535.25M |
| Long-term debt | $112.77M | $114.27M | $44.27M | $42.27M | $73.75M | $62.27M | $42.27M | $250.04M | $144.21M | $108.87M | $576.55M | $336.10M | $240.96M | $1.53B | $549.50M | $866.21M | $2.00B | $639.90M | $424.10M | $692.34M |
| Shareholder equity | $178.73M | $191.25M | $239.36M | $194.96M | $273.41M | $293.77M | $279.02M | $316.70M | $366.03M | $514.76M | $646.44M | $804.48M | $1.46B | $16.72B | $19.89B | $22.99B | $3.20B | $3.43B | $3.75B | $4.08B |
| Retained earnings | $95.52M | $103.09M | $92.36M | $44.22M | $37.00M | $54.85M | $65.71M | $83.99M | $118.41M | $152.82M | $214.45M | $273.12M | $377.13M | $507.95M | $671.51M | $1.01B | $1.31B | $1.54B | $1.85B | $2.21B |
| Accounts receivable | — | — | — | $45.84M | $177.19M | $242.39M | $159.72M | $65.44M | $31.35M | $6.30M | $4.61B | $6.02B | $8.48B | — | $14.28B | — | — | — | — | $80.00M |
| Inventory | $1.84M | $6.99M | $4.74M | $23.32M | $112.85M | $140.48M | $176.91M | $150.80M | $163.41M | $35.49M | $23.41M | $17.48M | $16.75M | $19.50M | $12.42M | $3.89M | $843000.00 | — | — | — |
| Goodwill | $54.37M | $54.81M | $54.81M | — | $956000.00 | $956000.00 | $956000.00 | $35.05M | $63.55M | $90.08M | $125.53M | $125.53M | $503.43M | $931.64M | $928.00M | $1.01B | $1.02B | $1.02B | $1.02B | $1.02B |
Frequently asked questions
What is Ameris Bancorp's revenue?
Ameris Bancorp's trailing twelve-month revenue is $1.17B, and consensus projects about $1.76B by 2030. Revenue is the top line the whole model builds on, and at this scale the question shifts from how fast it grows to whether margins hold as it compounds.
How profitable is ABCB?
In its most recent fiscal year, ABCB ran a gross margin of 68.31%, an operating margin of 32.05%, and a net margin of 24.75%. Margins this high mean most of each extra dollar of revenue drops through to profit, which is the signature of real pricing power.
How much free cash flow does ABCB generate?
ABCB produced $369.64M in free cash flow in its most recent fiscal year. Free cash flow is what is left after running and reinvesting in the business, and it is the cash that actually funds buybacks, dividends, and a stronger balance sheet.
Is ABCB's balance sheet healthy?
ABCB holds $253.81M in cash and equivalents against $692.34M in long-term debt, on $4.08B of shareholder equity. That debt is best read against the cash flow the business throws off each year.