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Ameris Bancorp ABCB Warehouse Lending — Data processing and communications expenses

Other segment segments

Banking Division
$15.35M+14.6%
Retail Mortgage
$1.22M-5.6%
Premium  Finance  Division
$186K+44.2%

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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:InformationTechnologyAndDataProcessing.

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 warehouse lending — data processing and communications expenses?
Ameris Bancorp (ABCB) reported warehouse lending — data processing and communications expenses of $35K in Q1 2026.
How has Ameris Bancorp's warehouse lending — data processing and communications expenses changed year-over-year?
Ameris Bancorp's warehouse lending — data processing and communications expenses decreased by 7.9% year-over-year, from $38K to $35K.
What is the long-term trend for Ameris Bancorp's warehouse lending — data processing and communications expenses?
Over 4 years (2021 to 2025), Ameris Bancorp's warehouse lending — data processing and communications expenses has grown at a -2.7% compound annual growth rate (CAGR), from $232K to $208K.
What does warehouse lending — data processing and communications expenses mean?
This represents the costs associated with the technology, data processing systems, and communication infrastructure required to support warehouse lending operations. Given the digital nature of modern mortgage warehouse lending, this metric reflects the investment in the platforms used to manage loan pipelines and client interactions. It is a key indicator of the segment's technological efficiency and digital capabilities.