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Ameris Bancorp ABCB Retail Mortgage — Net Income

Other segment segments

Banking Division
$88.49M+34.5%
Warehouse Lending
$5.88M+29.2%
Premium  Finance  Division
$5.26M+11.0%

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$1.33B+17.4%
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FHBRetail Banking Business — Interest Income Expense Net
$130.12M+2.9%

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%

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:NetIncomeLoss.

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 — net income?
Ameris Bancorp (ABCB) reported retail mortgage — net income of $10.87M in Q1 2026.
How has Ameris Bancorp's retail mortgage — net income changed year-over-year?
Ameris Bancorp's retail mortgage — net income decreased by 15.6% year-over-year, from $12.88M to $10.87M.
What is the long-term trend for Ameris Bancorp's retail mortgage — net income?
Over 4 years (2021 to 2025), Ameris Bancorp's retail mortgage — net income has grown at a -14.4% compound annual growth rate (CAGR), from $113.62M to $60.94M.
What does retail mortgage — net income mean?
This is the final bottom-line profit generated by the retail mortgage segment after all operating expenses, interest costs, and income taxes have been deducted. It serves as the primary indicator of the segment's overall financial health and its direct contribution to the bank's consolidated net income. This metric is essential for assessing the segment's ultimate value creation for shareholders.