Ameris Bancorp (ABCB)

• Ameris Bancorp reported record earnings for the full year 2025, with net income exceeding $412 million and diluted EPS reaching $6 per share, a 15% increase year-over-year.
• The company achieved a full-year PPNR ROA of 2.25% and improved its efficiency ratio to 50% for 2025, alongside tangible book value growth of over 14%.
• Capital levels remained robust, with Common Equity Tier 1 at 13.2% and a tangible common equity ratio of 11.4% at year-end 2025. Ameris Bancorp repurchased $77 million of its stock (2% of the company) for the year, including $40.8 million in Q4.
• Loan production in Q4 2025 was $2.4 billion, a 16% increase over Q3, contributing to nearly 5% loan growth for the quarter. Asset quality was strong, with the allowance for loan losses at 1.62% of total loans and full-year net charge-offs at 18 basis points.
• The net interest margin (NIM) expanded 5 basis points to 3.85% in Q4 2025, with the full-year NIM reaching 3.79%. Management anticipates slight margin compression of 5-10 basis points over the next few quarters due to deposit costs.

• Ameris Bancorp reported record net income of $412.2 million and diluted EPS of $6 per share for the full year 2025, representing a 15% increase in EPS year-over-year.
• The company achieved 6% revenue growth and a 1% decline in expenses for the year, resulting in an improved efficiency ratio of 50% for 2025, compared to 53.2% in 2024.
• Loan growth was almost 5% in Q4 2025, with loan production reaching $2.4 billion, a 16% increase over Q3 levels. The net interest margin expanded 5 basis points to 3.85% in Q4, though management anticipates slight compression of 5-10 basis points over the next few quarters due to deposit cost pressure.
• Capital ratios remained strong, with Common Equity Tier 1 at 13.2% and tangible common equity at 11.4% at year-end. The company was active in share repurchases, buying back $77 million (2% of the company) in 2025 at an average price under $67.

• Ameris Bancorp (ABCB) reported record earnings of over $412 million and diluted EPS of $6 per share for the full year 2025, representing a 15% increase year-over-year. For Q4 2025, net income was $108.4 million or $1.59 per diluted share.
• The company achieved a 50% efficiency ratio for the full year 2025, improving from 53.2% in 2024, driven by 6% revenue growth and a 1% decline in expenses.
• Net interest margin expanded 5 basis points to 3.85% in Q4 2025, and to 3.79% for the full year 2025, though management anticipates slight margin compression of 5-10 basis points over the next few quarters.
• Capital levels remained strong, with Common Equity Tier 1 at 13.2% and tangible common equity ratio at 11.4% at year-end 2025. The company repurchased $77 million of stock (2% of the company) during the year.
• Loan growth was robust, increasing almost 5% in Q4 2025, with loan production of $2.4 billion (a 16% increase over Q3 levels), despite over $500 million in elevated CRE payoffs.

Ameris Bancorp reported strong financial performance for the fourth quarter and full year ended December 31, 2025.

• The company achieved significant net income and diluted earnings per share for both the quarter and the full year.
• Profitability metrics, including return on average assets and return on average tangible common equity, remained robust.
• Net interest margin (TE) expanded in the fourth quarter, contributing to an improved efficiency ratio for the period and the full year.
• Tangible book value per share increased to $44.18 at December 31, 2025, and the company executed share repurchases totaling $77.1 million for the full year.
• Credit quality remained sound, with an allowance for loan losses of 1.62% of loans and a net charge-off ratio of 0.18% for the full year 2025.

• Ameris Bancorp reported net income of $108.4 million, or $1.59 per diluted share, for the fourth quarter of 2025, and $412.2 million, or $6.00 per diluted share, for the full year 2025.
• The company achieved a Return on Average Assets (ROA) of 1.57% for Q4 2025 and 1.54% for the full year 2025, with net interest margin (TE) expanding to 3.85% in Q4 2025 and reaching 3.79% for the full year.
• Tangible book value per share grew to $44.18 at December 31, 2025, reflecting 14.5% growth for the full year.
• The company increased share repurchases, totaling $40.8 million in Q4 2025 and over $77 million for the full year 2025.

• Ameris Bancorp reported net income of $106 million and $1.54 diluted earnings per share for Q3 2025, achieving a return on assets of 1.56% and a return on tangible common equity of 14.6%. The efficiency ratio improved to 49.19%, driven by 18% annualized revenue growth.
• The company experienced 5% annualized deposit growth and 4% annualized loan growth, primarily in C&I and CRE. The net interest margin expanded to 3.80% , and tangible book value per share grew by 15.2% annualized to $42.90.
• Ameris Bancorp repurchased $8.5 million of common stock during the quarter and announced a new $200 million share repurchase plan approved by its board. Management anticipates slight margin compression over the next few quarters and expects the efficiency ratio to return above 50% in Q4. The company expresses strong optimism for organic loan growth in the mid-single-digit range, with potential for acceleration to upper single or double digits in 2026.

• Ameris Bancorp reported net income of $106 million, or $1.54 per diluted share, for Q3 2025, achieving a return on assets of 1.56% and a return on tangible common equity of 14.6%.
• The company saw 18% annualized revenue growth and an improved efficiency ratio of 49.19%, with its net interest margin expanding to 3.80%.
• Loan growth was 4% annualized, in line with mid-single-digit guidance, and deposits grew 5% annualized, maintaining non-interest-bearing deposits at over 30%.
• Capital levels strengthened, with common equity tier one at 13.2% and tangible common equity at 11.31%. The company repurchased $8.5 million in common stock and approved a new $200 million share repurchase plan.
• Management expressed optimism for future organic loan growth, potentially accelerating beyond mid-single digits, and prioritizes these opportunities over M&A.

• Ameris Bancorp reported net income of $106 million, or $1.54 per diluted share, for Q3 2025, with a 1.56% return on assets and 14.6% return on tangible common equity.
• The company achieved 18% annualized revenue growth and an improved efficiency ratio of 49.19%, alongside a 3.80% net interest margin.
• Tangible book value per share grew to $42.90, representing 15.2% annualized growth, and the company repurchased $8.5 million of common stock while authorizing a new $200 million share repurchase plan.
• Management anticipates slight margin compression and the efficiency ratio to return above 50% in Q4, but remains optimistic about accelerating loan growth to potentially upper single-digits or double-digits in 2026, driven by market disruption and improving economic conditions.

• Ameris Bancorp reported net income of $106.0 million, or $1.54 per diluted share, for the third quarter of 2025. This represents an increase from $99.2 million, or $1.44 per diluted share, in the third quarter of 2024.
• The company achieved a return on average assets of 1.56% and a return on average tangible common equity of 14.57%. The net interest margin (TE) expanded by 3 basis points to 3.80%, and the efficiency ratio improved to 49.19% in Q3 2025.
• Tangible book value grew by $1.58 per share, or 15.2% annualized, reaching $42.90 at September 30, 2025. The tangible common equity (TCE) ratio increased to 11.31%.
• Loan growth was $216.9 million, or 4.1% annualized, and deposits grew 5% annualized during the third quarter of 2025, with noninterest-bearing deposits remaining strong at 30.4% of total deposits. Annualized net charge-offs were stable at 0.14% of average total loans.
• The Board authorized a new $200 million share repurchase program in October 2025, following the repurchase of 125,900 shares for $8.5 million during the quarter.

• Ameris Bancorp reported net income of $106.0 million, or $1.54 per diluted share, for the third quarter of 2025.
• The company achieved a return on average assets of 1.56% and a return on average tangible common equity of 14.57% for the third quarter of 2025.
• Tangible book value per share grew by $1.58, or 15.2% annualized, to $42.90 at September 30, 2025.
• The board of directors authorized a new share repurchase program of up to $200 million of outstanding common stock, effective through October 31, 2026.