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Ameris Bancorp
Ameris Bancorp (ABCB) investor relations material
Ameris Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary30 Jan, 2026
Executive summary
Achieved record full-year net income of $412.2 million ($6.00 per diluted share), a 15% year-over-year increase, driven by organic growth and higher net interest income.
Fourth quarter net income was $108.4 million ($1.59 per share), up from $94.4 million ($1.37 per share) in the prior year quarter.
ROA was 1.57% for 4Q25 and 1.54% for the year; ROTCE was 14.5% for the year.
Tangible book value per share grew $5.59 for the year, reaching $44.18, a 14.5% increase.
Significant share repurchases enhanced shareholder value, with $77 million repurchased in 2025.
Financial highlights
Net interest income rose $87.7 million (10.3%) year-over-year to $940.7 million; net interest margin expanded to 3.85% in Q4 and 3.79% for 2025.
Efficiency ratio improved to 46.59% in Q4 and 50% for the year, down from 53.2% in 2024.
Earning assets grew $374 million in Q4 and $1.32 billion for the year.
Tangible common equity to tangible assets ratio improved to 11.4%.
Noninterest income for Q4 2025 decreased 18.9% sequentially to $61.8 million, mainly due to lower mortgage banking activity.
Outlook and guidance
Expect slight margin compression in coming quarters due to deposit cost pressures, with 5-10 basis points decline anticipated.
Loan and deposit growth projected in the mid-single-digit range for 2026; deposit growth will govern loan growth.
Net charge-offs expected in the 20-25 basis point range for 2026.
First quarter expenses expected to rise due to payroll taxes and 401(k) contributions, with $150-$151 million as a starting point.
Management expects to capitalize on Southeast growth opportunities, supported by robust capital levels.
Future drivers of net interest margin growth?
Noninterest income decline drivers and outlook
Credit quality trends and future risk management?
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Next Ameris Bancorp earnings date
Q1 202628 Apr, 2026
Ameris Bancorp
Next Ameris Bancorp earnings date
Q1 202628 Apr, 2026
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Frequently asked questions
Ameris Bancorp operates as a financial holding company, primarily through its subsidiary, Ameris Bank. The company offers a broad range of banking services, including commercial and retail banking, mortgage lending, and treasury management. It caters to individual and business clients across the southeastern United States. The company is headquartered in Atlanta, Georgia, and its shares are listed on the NASDAQ.
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