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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.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.
- TimeTickerHeadlineOpen
- 6 FebJ
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Net loss deepened on lower sales and higher costs, but major new contracts and restructuring are underway.
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