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Ameris Bancorp ABCB Warehouse Lending — Interest and Dividend Income, Operating

Other segment segments

Banking Division
$256.97M+7.4%
Retail Mortgage
$56.59M-7.8%
Premium  Finance  Division
$30.7M+6.3%

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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:InterestAndDividendIncomeOperating.

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
Interest income$256,966$56,591$21,314$30,704$365,575
Interest expense41,66640,74712,48918,189113,091
Net interest income215,30015,8448,82512,515252,484
Provision for credit losses19,998(3,346)18441717,253
Noninterest income40,56932,1517941873,532
Noninterest expense
Salaries and employee benefits66,66821,4934682,86591,494
Occupancy and equipment11,82368574012,555

Item 1. Financial Statements.

FAQ

What is Ameris Bancorp's warehouse lending — interest and dividend income, operating?
Ameris Bancorp (ABCB) reported warehouse lending — interest and dividend income, operating of $21.31M in Q2 2026.
How has Ameris Bancorp's warehouse lending — interest and dividend income, operating changed year-over-year?
Ameris Bancorp's warehouse lending — interest and dividend income, operating increased by 17.3% year-over-year, from $18.17M to $21.31M.
What is the long-term trend for Ameris Bancorp's warehouse lending — interest and dividend income, operating?
Over 4 years (2021 to 2025), Ameris Bancorp's warehouse lending — interest and dividend income, operating has grown at a 17.7% compound annual growth rate (CAGR), from $36.78M to $70.67M.
What does warehouse lending — interest and dividend income, operating mean?
This represents the total gross interest and dividend income generated specifically from the warehouse lending business segment. It reflects the revenue earned from providing short-term financing to mortgage originators before loans are sold into the secondary market. This metric is a key indicator of the scale and revenue-generating capacity of the bank's warehouse lending activities.

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