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Ameris Bancorp ABCB Premium  Finance  Division — Occupancy and equipment

Other segment segments

Banking Division
$11.82M+12.1%
Retail Mortgage
$685K-15.5%
Warehouse Lending
$7K0.0%

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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:OccupancyNet.

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
Noninterest income40,56932,1517941873,532
Noninterest expense
Salaries and employee benefits66,66821,4934682,86591,494
Occupancy and equipment11,82368574012,555
Data processing and communications expenses14,0411,3025916915,571
Other expenses(1)110,93311,587184390123,094
Total noninterest expense203,46535,0677183,464242,714
Income before income tax expense32,40616,2748,7178,65266,049

Item 1. Financial Statements.

FAQ

What is Ameris Bancorp's premium  finance  division — occupancy and equipment?
Ameris Bancorp (ABCB) reported premium  finance  division — occupancy and equipment of $40K in Q2 2026.
How has Ameris Bancorp's premium  finance  division — occupancy and equipment changed year-over-year?
Ameris Bancorp's premium  finance  division — occupancy and equipment increased by 11.1% year-over-year, from $36K to $40K.
What is the long-term trend for Ameris Bancorp's premium  finance  division — occupancy and equipment?
Over 4 years (2021 to 2025), Ameris Bancorp's premium  finance  division — occupancy and equipment has grown at a -17.2% compound annual growth rate (CAGR), from $317K to $149K.
What does premium  finance  division — occupancy and equipment mean?
This metric represents the costs associated with physical office space, facilities, and equipment utilized by the premium finance division. It reflects the fixed overhead required to support the segment's operational footprint. Tracking these costs is important for assessing the overall efficiency and cost-to-income ratio of the division.

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