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Ameris Bancorp ABCB Retail Mortgage — Data processing and communications expenses

Other segment segments

Banking Division
$14.04M+1.6%
Premium  Finance  Division
$169K+85.7%
Warehouse Lending
$59K0.0%

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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:InformationTechnologyAndDataProcessing.

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 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
Income tax expense7,5383,4171,8311,81714,603

Item 1. Financial Statements.

FAQ

What is Ameris Bancorp's retail mortgage — data processing and communications expenses?
Ameris Bancorp (ABCB) reported retail mortgage — data processing and communications expenses of $1.3M in Q2 2026.
How has Ameris Bancorp's retail mortgage — data processing and communications expenses changed year-over-year?
Ameris Bancorp's retail mortgage — data processing and communications expenses decreased by 6.4% year-over-year, from $1.39M to $1.3M.
What is the long-term trend for Ameris Bancorp's retail mortgage — data processing and communications expenses?
Over 4 years (2021 to 2025), Ameris Bancorp's retail mortgage — data processing and communications expenses has grown at a -1.5% compound annual growth rate (CAGR), from $5.55M to $5.24M.
What does retail mortgage — data processing and communications expenses mean?
This covers the costs related to technology infrastructure, software, and communication systems used to process mortgage applications and manage loan portfolios. It serves as a proxy for the segment's digital operational capacity and technological investment.

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