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Ameris Bancorp ABCB Warehouse Lending — Net Income

Other segment segments

Banking Division
$24.87M-69.9%
Retail Mortgage
$12.86M-17.4%
Premium  Finance  Division
$6.84M+24.1%

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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:NetIncomeLoss.

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
Other expenses(1)110,93311,587184390123,094
Total noninterest expense203,46535,0677183,464242,714
Income before income tax expense32,40616,2748,7178,65266,049
Income tax expense7,5383,4171,8311,81714,603
Net income$24,868$12,857$6,886$6,835$51,446
Total assets$20,587,632$4,508,490$1,367,630$2,025,091$28,488,843
Goodwill951,14864,4981,015,646
Other intangible assets, net48,31748,317

Item 1. Financial Statements.

FAQ

What is Ameris Bancorp's warehouse lending — net income?
Ameris Bancorp (ABCB) reported warehouse lending — net income of $6.89M in Q2 2026.
How has Ameris Bancorp's warehouse lending — net income changed year-over-year?
Ameris Bancorp's warehouse lending — net income increased by 11.3% year-over-year, from $6.19M to $6.89M.
What is the long-term trend for Ameris Bancorp's warehouse lending — net income?
Over 4 years (2021 to 2025), Ameris Bancorp's warehouse lending — net income has grown at a -7.6% compound annual growth rate (CAGR), from $30.54M to $22.28M.
What does warehouse lending — net income mean?
This metric measures the final bottom-line profitability of the warehouse lending segment after all operating expenses, credit provisions, and applicable taxes have been deducted. It serves as the primary indicator of the segment's financial success and its direct impact on the bank's consolidated net income. It is a key measure for assessing the segment's long-term viability and return on capital.

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