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Ameris Bancorp ABCB Retail Mortgage — Income Tax

Other segment segments

Banking Division
$7.54M-70.6%
Warehouse Lending
$1.83M+11.2%
Premium  Finance  Division
$1.82M+28.9%

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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:IncomeTaxExpenseBenefit.

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 retail mortgage — income tax?
Ameris Bancorp (ABCB) reported retail mortgage — income tax of $3.42M in Q2 2026.
How has Ameris Bancorp's retail mortgage — income tax changed year-over-year?
Ameris Bancorp's retail mortgage — income tax decreased by 17.4% year-over-year, from $4.14M to $3.42M.
What is the long-term trend for Ameris Bancorp's retail mortgage — income tax?
Over 4 years (2021 to 2025), Ameris Bancorp's retail mortgage — income tax has grown at a -14.4% compound annual growth rate (CAGR), from $30.2M to $16.2M.
What does retail mortgage — income tax mean?
This represents the portion of the retail mortgage segment's earnings allocated to income tax obligations based on applicable statutory rates. It reflects the tax burden associated specifically with the segment's operational income. Monitoring this helps analysts understand the net impact of tax regulations on the segment's contribution to the parent company's bottom line.

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