# Ameris Bancorp (ABCB)

**Exchange:** NYSE  
**Sector:** Financial Services  
**Market cap:** $5.95B  
**Price:** $86.56 (+0.53%)

> Ameris Bancorp is a financial services holding company headquartered in Atlanta, Georgia, operating primarily through its subsidiary Ameris Bank. The company focuses on providing a broad range of banking products and services to retail, small business, and commercial clients across the Southeastern United States, with branch operations concentrated in Georgia, Alabama, Florida, and South Carolina. Its core activities are organized into four segments: the Banking division, which offers deposit accounts, commercial and consumer lending, treasury management, and digital banking services; the Retail Mortgage division, which originates residential mortgage loans; the Warehouse Lending division, which provides funding to mortgage originators; and the Premium Finance division, which finances insurance premiums for commercial customers. Ameris Bancorp plays a role in regional credit intermediation, supporting local businesses, real estate activity, and consumer financial needs, while leveraging both physical branches and online channels to deliver its services. Founded in 1980 and based in the United States, the company operates within the regional banking segment of the financial services industry.

## Income Statement (Annual, USD)

| Fiscal Year | Revenue | Gross Profit | Operating Income | Net Income | EPS (dil.) |
| --- | --- | --- | --- | --- | --- |
| 2025 | $1.39B | — | — | $412M | — |
| 2024 | $1.38B | — | — | $359M | — |
| 2023 | $1.28B | — | — | $269M | — |
| 2022 | $894M | — | — | $347M | — |
| 2021 | $703M | — | — | $377M | — |
| 2020 | $727M | — | — | $262M | — |
| 2019 | $636M | — | — | $161M | — |
| 2018 | $413M | — | — | $121M | — |
| 2017 | $294M | — | — | $74M | — |
| 2016 | $239M | — | — | $72M | — |
| 2015 | $190M | — | — | $41M | — |
| 2014 | $165M | — | — | $39M | — |
| 2013 | $126M | — | — | $20M | — |
| 2012 | $129M | — | — | $14M | — |
| 2011 | $141M | — | — | $21M | — |

## Balance Sheet (Annual, USD)

| Fiscal Year | Total Assets | Total Liabilities | Equity | Cash | Long-term Debt |
| --- | --- | --- | --- | --- | --- |
| 2025 | $27.52B | $23.44B | $4.08B | — | — |
| 2024 | $26.26B | $22.51B | $3.75B | — | — |
| 2023 | $25.20B | $21.78B | $3.43B | — | — |
| 2022 | $25.05B | $21.86B | $3.20B | — | — |
| 2021 | $23.86B | $20.89B | $2.97B | — | — |
| 2020 | $20.44B | $17.79B | $2.65B | — | — |
| 2019 | $18.24B | $15.77B | $2.47B | — | — |
| 2018 | $11.44B | $9.99B | $1.46B | — | — |
| 2017 | $7.86B | $7.05B | $804M | — | — |
| 2016 | $6.89B | $6.25B | $646M | $198M | — |
| 2015 | $5.59B | $5.07B | $515M | $391M | — |
| 2014 | $4.04B | $3.67B | $366M | — | — |
| 2013 | $3.67B | $3.35B | $317M | — | — |
| 2012 | $3.02B | $2.74B | $279M | — | — |
| 2011 | $2.99B | $2.70B | $294M | — | — |

## Cash Flow (Annual, USD)

| Fiscal Year | Operating Cash Flow | CapEx | Free Cash Flow |
| --- | --- | --- | --- |
| 2025 | $390M | $21M | $370M |
| 2024 | $154M | $13M | $141M |
| 2023 | $569M | $18M | $551M |
| 2022 | $1.06B | $14M | $1.05B |
| 2021 | $9M | $25M | -$16M |
| 2020 | $798M | $18M | $780M |
| 2019 | -$940M | $12M | -$952M |
| 2018 | -$109M | $10M | -$119M |
| 2017 | -$63M | $4M | -$66M |
| 2016 | -$70M | $11M | -$81M |
| 2015 | -$25M | $13M | -$38M |
| 2013 | $34M | $6M | $28M |
| 2012 | $32M | $9M | $23M |
| 2011 | $46M | $12M | $34M |
| 2010 | $45M | $5M | $40M |

Source: [CompaniesByCap](https://companiesbycap.com/company/ABCB)