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Ameris Bancorp ABCB Retail Mortgage — Interest Expense

Other segment segments

Banking Division
$40.89M-16.7%
Premium  Finance  Division
$17.31M-0.8%
Warehouse Lending
$10.25M+10.2%

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$8M-46.7%
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VSTRetail — Interest Expense, Nonoperating
$13M-27.8%

Other financials

Income statement

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Revenue$314.4M+10.0%
Net income$110.5M+25.7%
EPS (diluted)$1.63+28.3%

Balance sheet

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Cash & equivalents$1.3B+2.9%
Total debt$50.7M-5.1%
Total equity$4.1B+6.8%
Total assets$28.1B+6.0%

Cash flow

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Operating cash flow$257.1M+120%
CapEx$7.7M+188%
Free cash flow$249.4M+118%

Valuation

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Market cap$5.89B+33.1%
P/E13.6×+1.7×
P/S4.8×+1.0×

Profitability

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Net margin35.2%+3.1pp
FCF margin40.8%+20.2pp

Returns & leverage

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Return on equity11%+0.8pp
Debt / equity0.0×

Where this comes from

Reported directly by Ameris Bancorp in its filing.

Tagged under the XBRL concept us-gaap:InterestExpenseOperating.

The official record: Ameris Bancorp’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Ameris Bancorp's retail mortgage — interest expense?
Ameris Bancorp (ABCB) reported retail mortgage — interest expense of $38.89M in Q1 2026.
How has Ameris Bancorp's retail mortgage — interest expense changed year-over-year?
Ameris Bancorp's retail mortgage — interest expense increased by 7.8% year-over-year, from $36.09M to $38.89M.
What is the long-term trend for Ameris Bancorp's retail mortgage — interest expense?
Over 4 years (2021 to 2025), Ameris Bancorp's retail mortgage — interest expense has grown at a 34.6% compound annual growth rate (CAGR), from $47.42M to $155.45M.
What does retail mortgage — interest expense mean?
This captures the total interest costs incurred to fund the retail mortgage loan portfolio, primarily through deposits or wholesale borrowings. Monitoring this helps assess the cost of funds relative to the interest-earning assets within the mortgage segment.