Ameris Bancorp financials
$80.46−1.20%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Fiscal year | FY25 Dec 31 | FY24 Dec 31 | FY23 Dec 31 | FY22 Dec 31 | FY21 Dec 31 | FY20 Dec 31 | FY19 Dec 31 | FY18 Dec 31 | FY17 Dec 31 | FY16 Dec 31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.67B | $1.67B | $1.52B | $1.18B | $1.07B | $1.17B | $832.6M | $528.3M | $398.8M | $344.9M |
| Gross profit | $1.21B | $1.14B | $1.08B | $1.09B | $1.02B | $1.08B | $701.3M | $458.4M | $364.6M | $325.2M |
| Gross margin | 72.5% | 68.3% | 70.8% | 92.1% | 95.5% | 92.4% | 84.2% | 86.8% | 91.4% | 94.3% |
| Operating income | $533.8M | $475.9M | $356.9M | $453.1M | $496.1M | $340.2M | $211.6M | $151.5M | $124.3M | $105.2M |
| Net income | $412.2M | $358.7M | $269.1M | $346.5M | $376.9M | $262.0M | $161.4M | $121.0M | $73.5M | $72.1M |
| Net margin | 24.7% | 21.5% | 17.7% | 29.4% | 35.3% | 22.3% | 19.4% | 22.9% | 18.4% | 20.9% |
| Diluted EPS | $6.00 | $5.19 | $3.89 | $4.99 | $5.40 | $3.77 | $2.75 | $2.80 | $1.98 | $2.08 |
| EBITDA | $536.9M | $478.3M | $357.0M | $454.3M | $500.3M | $341.6M | $284.7M | $172.0M | $125.2M | $111.6M |
| Operating cash flow | $390.2M | $154.2M | $569.0M | $1.17B | $9.1M | $798.4M | -$958.6M | -$111.9M | -$62.6M | -$69.8M |
| Free cash flow | $369.8M | $141.0M | $555.4M | $1.16B | -$14.3M | $781.0M | -$964.6M | -$121.4M | -$66.3M | -$80.4M |
| Diluted shares | 68.7M | 69.1M | 69.1M | 69.4M | 69.8M | 69.4M | 58.6M | 43.2M | 37.1M | 34.7M |
Balance sheet
| Period end | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $253.8M | $245.0M | $230.5M | $284.6M | $307.8M | $203.3M |
| Short-term investments | $3.33B | $2.88B | $2.55B | $2.58B | $4.48B | $2.93B |
| Total debt | $692.3M | $424.1M | $639.9M | $2.00B | $866.2M | $549.5M |
| Total assets | $27.52B | $26.26B | $25.20B | $25.05B | $23.86B | $20.44B |
| Total liabilities | $23.44B | $22.51B | $21.78B | $21.86B | $20.89B | $17.79B |
| Shareholders' equity | $4.08B | $3.75B | $3.43B | $3.20B | $2.97B | $2.65B |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology