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Ameris Bancorp ABCB Premium  Finance  Division — Interest Income (Expense), Operating

Other segment segments

Banking Division
$215.3M+12.4%
Retail Mortgage
$15.84M-28.1%
Warehouse Lending
$8.83M+24.5%

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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:InterestIncomeExpenseNet.

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
Interest income$256,966$56,591$21,314$30,704$365,575
Interest expense41,66640,74712,48918,189113,091
Net interest income215,30015,8448,82512,515252,484
Provision for credit losses19,998(3,346)18441717,253
Noninterest income40,56932,1517941873,532
Noninterest expense
Salaries and employee benefits66,66821,4934682,86591,494
Occupancy and equipment11,82368574012,555

Item 1. Financial Statements.

FAQ

What is Ameris Bancorp's premium  finance  division — interest income (expense), operating?
Ameris Bancorp (ABCB) reported premium  finance  division — interest income (expense), operating of $12.52M in Q2 2026.
How has Ameris Bancorp's premium  finance  division — interest income (expense), operating changed year-over-year?
Ameris Bancorp's premium  finance  division — interest income (expense), operating increased by 11.8% year-over-year, from $11.19M to $12.52M.
What is the long-term trend for Ameris Bancorp's premium  finance  division — interest income (expense), operating?
Over 4 years (2021 to 2025), Ameris Bancorp's premium  finance  division — interest income (expense), operating has grown at a 12.6% compound annual growth rate (CAGR), from $28.09M to $45.12M.
What does premium  finance  division — interest income (expense), operating mean?
This represents the net interest income or expense for the premium finance division, calculated as interest income minus interest expense. It serves as a primary indicator of the segment's core profitability from its lending operations. A positive trend suggests effective management of interest rate spreads and funding costs within the premium finance portfolio.

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