)
Visual
test
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?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Latest summaries
- TimeTickerHeadlineOpen
- 7 FebGICRE
Net profit for the nine months surged to ₹6,62,217 lakhs, with a robust solvency ratio of 3.87. - 7 Feb517271
Strong revenue and profit growth, interim dividend, and major investments approved. - 7 Feb514167
Quarterly and nine-month results reflect solid revenue, profit, and compliance with new labour codes. - 7 FebMGL
Strong revenue growth offset by lower margins and profit; interim dividend declared. - 7 FebPGIL
Strong revenue and margin growth, with India set for further expansion and upgraded ratings. - 7 Feb504614
Strong revenue and profit growth in Q3 FY26, led by power and steel segments. - 7 FebCHEMPLASTS
Net losses widened and revenue fell year-over-year amid regulatory and market headwinds. - 7 FebSBIN
Q3 FY26 net profit reached ₹21,028.15 crore, driven by robust income and strategic divestments. - 6 FebHTOO
Resale registration for 71,429 shares via warrant, with proceeds only on exercise; financial risks persist. - 6 FebVSAT
Q3 revenue up 3% to $1.16B, net income $25M, strong cash flow, Ligado boost, satellite focus.
Next Ameris Bancorp earnings date
Q1 202628 Apr, 2026
Ameris Bancorp
Next Ameris Bancorp earnings date
Q1 202628 Apr, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage