Ameris Bancorp (ABCB) financial statements
Ameris Bancorp reported revenue of $1.2B in fiscal 2025, up 15.7% a year over 9 years.
Net income was $412M.
Free cash flow was $370M, and the company returned $55M in dividends.
The diluted share count rose 98% over the period (dilution).
Revenue and free cash flow
Fiscal years, $ billions.
Income statement
Fiscal years, from Ameris Bancorp's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $325M | $365M | $462M | $703M | $1.1B | $1.0B | $1.1B | $1.1B | $1.1B | $1.2B |
| Interest expense | $20M | $34M | $70M | $131M | $89M | $48M | $93M | $445M | — | — |
| Pre-tax income | $105M | $124M | $151M | $212M | $340M | $496M | $453M | $357M | $476M | $534M |
| Income tax | $33M | $51M | $30M | $50M | $78M | $119M | $107M | $88M | $117M | $122M |
| Net income | $72M | $74M | $121M | $161M | $262M | $377M | $347M | $269M | $359M | $412M |
| EPS (diluted) | $2.08 | $1.98 | $2.80 | $2.75 | $3.77 | $5.40 | $4.99 | $3.89 | $5.19 | $6.00 |
| Diluted shares | 35M | 37M | 43M | 59M | 69M | 70M | 69M | 69M | 69M | 69M |
| Net margin | 22.2% | 20.2% | 26.2% | 23.0% | 24.2% | 36.9% | 31.9% | 25.0% | 31.4% | 34.1% |
Balance sheet
Fiscal years, from Ameris Bancorp's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and short-term investments | $198M | $331M | $680M | $622M | $2.1B | $4.1B | $1.1B | $1.2B | $1.2B | $1.1B |
| Property, plant and equipment | $121M | $118M | $145M | $233M | $223M | $225M | $220M | $216M | $209M | $213M |
| Goodwill | $126M | $126M | $503M | $932M | $928M | $1.0B | $1.0B | $1.0B | $1.0B | $1.0B |
| Total assets | $6.9B | $7.9B | $11.4B | $18.2B | $20.4B | $23.9B | $25.1B | $25.2B | $26.3B | $27.5B |
| Total liabilities | $6.2B | $7.1B | $10.0B | $15.8B | $17.8B | $20.9B | $21.9B | $21.8B | $22.5B | $23.4B |
| Shareholders' equity | $646M | $804M | $1.5B | $2.5B | $2.6B | $3.0B | $3.2B | $3.4B | $3.8B | $4.1B |
| Net debt | -$198M | -$331M | -$680M | -$622M | -$2.1B | -$4.1B | -$1.1B | -$1.2B | -$1.2B | -$1.1B |
Cash flow
Fiscal years, from Ameris Bancorp's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | -$70M | -$63M | -$109M | -$940M | $798M | $9M | $1.1B | $569M | $154M | $390M |
| Capital spending | $11M | $4M | $10M | $12M | $18M | $25M | $14M | $18M | $13M | $21M |
| Free cash flow | -$81M | -$66M | -$119M | -$952M | $780M | -$16M | $1.0B | $551M | $141M | $370M |
| Stock-based compensation | $2M | $3M | $6M | $3M | $4M | $8M | $7M | $10M | $13M | $13M |
| Dividends paid | $9M | $15M | $16M | $25M | $42M | $42M | $42M | $42M | $41M | $55M |
| Free cash flow margin | -24.8% | -18.2% | -25.7% | -135.3% | 72.0% | -1.6% | 96.6% | 51.2% | 12.3% | 30.6% |
| Dividends per share | $0.25 | $0.39 | $0.38 | $0.42 | $0.60 | $0.60 | $0.60 | $0.60 | $0.60 | $0.80 |
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What was Ameris Bancorp's revenue in 2025?
$1.2B in fiscal 2025, from its 10-K filing.
How much free cash flow does Ameris Bancorp generate?
$370M in fiscal 2025 (operating cash flow minus capital spending).
From Ameris Bancorp's annual reports filed with the SEC (XBRL data), standardised by Investingly. Information only, not investment advice.