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Ameris Bancorp ABCB Q4 2025 Annual earnings

Reported January 29, 2026 · After market close

Revenue$309.9MMiss by $486.9K
EPS$1.59Beat by $0.03
Revenue estimate$310.4M
EPS estimate$1.56

Next report

Oct 26, 2026 (in a month)
Revenue estimate$326.7M
EPS estimate$1.68

Financials

Q4 2025

Income statement

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Revenue$307.1M+5.6%
Net income$108.4M+14.8%
EPS (diluted)$1.59+16.9%

Balance sheet

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Cash & equivalents$1.1B-10.8%
Total debt$50.7M-5.1%
Total equity$4.1B+8.6%
Total assets$27.5B+4.8%

Cash flow

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Operating cash flow$107.0M-18.0%
CapEx$5.8M+33.2%
Free cash flow$101.2M-19.7%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$5.07B+17.4%
Enterprise value$4.04B+27.9%
P/E12.3×+0.3×
P/S4.2×+0.4×

Profitability

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Net margin34.1%+2.7pp
FCF margin30.6%+18.3pp

Returns & leverage

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Return on equity10.5%+0.5pp
Debt / equity0×0.0×

FAQ

When did Ameris Bancorp report Q4 2025 earnings?
Ameris Bancorp (ABCB) reported Q4 2025 earnings on January 29, 2026 after market close.
What were Ameris Bancorp's Q4 2025 revenue and EPS?
Ameris Bancorp reported revenue of $309.9M and eps of $1.59 for Q4 2025.
Did Ameris Bancorp beat estimates in Q4 2025?
Revenue missed the consensus estimate of $310.4M by $486.9K. EPS beat the consensus estimate of $1.56 by $0.03.
How did Ameris Bancorp's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 6.6% from $290.8M a year earlier and eps grew 15.2% from $1.38.
Where can I find Ameris Bancorp's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000351569-26-000003) and the 10-K periodic report (0000351569-26-000050) directly on SEC EDGAR. The filing index links above go to sec.gov.