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Ameris Bancorp ABCB Warehouse Lending — Interest Income (Expense), Operating

Other segment segments

Banking Division
$208.37M+13.1%
Retail Mortgage
$16.83M-23.0%
Premium  Finance  Division
$11.65M+17.9%

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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:InterestIncomeExpenseNet.

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 — interest income (expense), operating?
Ameris Bancorp (ABCB) reported warehouse lending — interest income (expense), operating of $7.59M in Q1 2026.
How has Ameris Bancorp's warehouse lending — interest income (expense), operating changed year-over-year?
Ameris Bancorp's warehouse lending — interest income (expense), operating increased by 28.7% year-over-year, from $5.9M to $7.59M.
What is the long-term trend for Ameris Bancorp's warehouse lending — interest income (expense), operating?
Over 4 years (2021 to 2025), Ameris Bancorp's warehouse lending — interest income (expense), operating has grown at a -5.8% compound annual growth rate (CAGR), from $35.4M to $27.9M.
What does warehouse lending — interest income (expense), operating mean?
This represents the net interest income generated by the warehouse lending segment after accounting for the interest expense associated with funding those loans. It serves as a primary measure of the segment's core profitability from its lending activities. A higher value indicates effective management of the spread between interest earned on warehouse lines and the cost of funding.