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Ameris Bancorp ABCB Banking Division — Net Income

Other segment segments

Retail Mortgage
$12.86M-17.4%
Warehouse Lending
$6.89M+11.3%
Premium  Finance  Division
$6.84M+24.1%

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Other financials

Income statement

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Revenue$326.0M+8.4%
Net income$51.4M-53.2%
EPS (diluted)$0.77-51.9%

Balance sheet

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Cash & equivalents$1.2B+2.3%
Total debt$50.7M-5.1%
Total equity$4.1B+4.4%
Total assets$28.5B+6.8%

Cash flow

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Operating cash flow$79.4M+29.4%
CapEx$8.6M+12.5%
Free cash flow$70.8M+31.8%

Valuation

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Market cap$5.92B+28.5%
P/E15.7×+4.0×
P/S4.7×+0.7×

Profitability

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Net margin29.8%-3.9pp
FCF margin41.4%+7.5pp

Returns & leverage

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Return on equity9.4%-1.1pp
Debt / equity0.0×

Where this comes from

Reported directly by Ameris Bancorp in its filing.

Tagged under the XBRL concept us-gaap:NetIncomeLoss.

The source filing: Ameris Bancorp’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 3:07 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000351569-26-000143
(dollars in thousands)Three Months Ended June 30, 2026 / Banking DivisionThree Months Ended June 30, 2026 / Retail Mortgage DivisionThree Months Ended June 30, 2026 / Warehouse Lending DivisionThree Months Ended June 30, 2026 / Premium Finance DivisionTotal
Other expenses(1)110,93311,587184390123,094
Total noninterest expense203,46535,0677183,464242,714
Income before income tax expense32,40616,2748,7178,65266,049
Income tax expense7,5383,4171,8311,81714,603
Net income$24,868$12,857$6,886$6,835$51,446
Total assets$20,587,632$4,508,490$1,367,630$2,025,091$28,488,843
Goodwill951,14864,4981,015,646
Other intangible assets, net48,31748,317

Item 1. Financial Statements.

FAQ

What is Ameris Bancorp's banking division — net income?
Ameris Bancorp (ABCB) reported banking division — net income of $24.87M in Q2 2026.
How has Ameris Bancorp's banking division — net income changed year-over-year?
Ameris Bancorp's banking division — net income decreased by 69.9% year-over-year, from $82.58M to $24.87M.
What is the long-term trend for Ameris Bancorp's banking division — net income?
Over 4 years (2021 to 2025), Ameris Bancorp's banking division — net income has grown at a 15.3% compound annual growth rate (CAGR), from $173.48M to $306.64M.
What does banking division — net income mean?
This metric measures the final profit attributable to the banking division after all operating expenses, interest costs, provisions for credit losses, and income taxes have been deducted. It is the definitive measure of the segment's financial performance and its value creation for the organization.

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