Ameris Bancorp (ABCB) Financials

$85.83

$0.86 (1.01%)

As on 03-Sep-2026 16:00EDT

Market cap

$5,744 Mln

Revenue (TTM)

$1,696 Mln

P/E Ratio

15.5

P/B Ratio

1.4

Div. Yield

0.9 %

Income Statement ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Operating Revenue	1,695.89	1,665.56	1,632.90	1,487.90	1,141.45	1,038.64
Cost of Revenue	513.10	527.85	587.89	588.05	164.56	12.42
Gross Profit	1,182.79	1,137.71	1,045.01	899.85	976.89	1,026.22
Operating Expenses	697.88	603.95	569.15	542.92	523.79	530.11
Operating Profit (EBIT)	484.91	533.76	475.86	356.94	453.10	496.11
Other Income	--	--	--	--	--	--
Profit before Tax	484.91	533.76	475.86	356.94	453.10	496.11
Provision for Tax	108.59	121.61	117.18	87.83	106.56	119.20
Profit after Tax (Net Income)	376.32	412.15	358.69	269.11	346.54	376.91
Minority Interest	--	--	--	--	--	--
Consolidated Profit	--	--	--	--	346.54	376.91

Liabilities ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Shareholder's Funds	4,090.58	4,076.03	3,751.52	3,426.75	3,197.40	22,992.11
Minority Interest	--	--	--	--	--	--
Non-Current Liabilities	23,166.27	22,904.60	788.08	1,068.44	2,393.15	866.21
Current Liabilities	1,232.00	535.25	21,722.45	20,708.51	19,462.74	9,259.45
Total Liabilities	29,720.84	27,515.88	26,262.05	25,203.70	25,053.29	23,858.32

Assets ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Non-Current Assets	28,251.41	27,182.07	23,370.41	22,633.45	22,435.09	2,083.98
Current Assets	237.43	333.81	2,891.64	2,570.25	2,618.19	857.43
Total Assets	28,726.27	27,515.88	26,262.05	25,203.70	25,053.29	23,858.32
Total Debt*	1,385.35	743.02	424.10	639.90	2,004.06	884.10
Net Current Assets	--	--	--	--	--	--

Cashflow ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Cash From Operating Activities	--	390.18	154.19	568.96	1,062.47	9.14
Cash Flow from Investing Activities	--	-1,302.80	-846.68	-338.19	-4,874.53	-420.98
Cash from Financing Activities	--	781.16	745.56	-181.59	865.53	2,359.20
Net Cash Inflow / Outflow	--	--	--	--	--	1,947.35

Financials Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Adjusted EPS ($)	5.53	6.03	5.19	3.90	4.99	5.40
Cash EPS ($)	--	6.59	5.86	4.62	5.28	5.62
Adjusted Book Value ($)	--	59.65	54.27	49.65	46.08	329.69
Dividend per Share ($)	--	--	--	--	--	--
Cash Flow per Share ($)	--	5.71	2.23	8.24	15.31	0.13
Free Cash Flow per Share ($)	--	5.41	2.04	7.99	15.11	-0.23

Profitability Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
ROCE (%)	--	9.16	8.70	5.81	2.38	1.70
ROE (%)	9.22	10.53	9.99	8.12	2.65	1.76
ROA (%)	1.30	1.53	1.39	1.07	1.42	1.70
EBIT Margin (%)	28.59	32.05	29.14	23.99	39.70	47.77
Net Margin (%)	22.19	24.75	21.97	18.09	30.36	36.29
Cash Profit Margin (%)	0.00	--	--	--	--	--

Growth Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Revenue Growth (%)	4.73	0.02	0.10	0.30	0.10	-0.09
EBIT Growth (%)	-4.46	12.17	33.32	-21.22	-8.67	45.81
Net Profit Growth (%)	-3.84	14.91	33.29	-22.35	-8.06	43.87
EPS Growth (%)	-2.47	0.16	0.33	-0.22	-0.08	0.43
Book Value Growth (%)	7.42	--	--	--	--	--

Valuation Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Price / Earnings	15.48	12.31	12.06	13.61	9.44	9.19
Price / Book Value	1.40	1.25	1.15	1.07	1.02	0.15
Dividend Yield (%)	0.94	--	--	--	--	--
EV/EBITDA	--	5.87	3.56	4.30	5.24	6.42
Close Price ($)	90.26	74.27	62.57	53.05	47.14	49.68
High Price ($)	91.41	78.98	74.49	53.84	55.62	59.85
Low Price ($)	64.40	48.27	44.00	28.33	38.22	36.60
Market Cap ($ Cr)	5,743.71	--	--	--	--	--

Solvency Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Debt to Equity	0.34	0.18	0.11	0.19	0.63	0.04
Short term debt to equity ratio	0.30	0.13	--	0.00	0.00	0.00
Current Ratio	0.19	0.62	0.13	0.12	0.13	0.09
Quick Ratio	0.19	--	--	--	0.13	0.09
Interest Coverage	2.08	1.17	0.90	0.80	4.88	10.38

Operating Efficiency Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Debtors to sales (%)	--	4.80	--	--	--	--
Asset Turnover	0.06	0.06	0.06	0.06	0.05	0.05
Receivable days	--	17.54	--	--	--	5,022.27
Inventory Days	--	--	--	0.52	5.26	239.94
Payable days	--	--	--	12,088.77	43,424.49	538,514.01
Cash Conversion Cycle	--	--	--	--	--	-533,251.80

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Income Statement ($ Mln)