The earnings call for Ameris Bancorp reflected a strong financial performance with significant improvements in efficiency, loan, and mortgage production. However, there are concerns about future pressure on deposit costs and challenges in the mortgage segment due to high rates. Overall, the highlights significantly outweigh the lowlights, indicating a positive outlook for the company.

Company Guidance -

Q3 2025

During the Ameris Bancorp Second Quarter Conference Call, the company reported a robust quarter with significant financial metrics highlighting their performance. The return on assets (ROA) and return on tangible common equity both increased, indicating improved profitability. They achieved a 20% annualized revenue growth, which outpaced their expense growth, resulting in an efficiency ratio falling below 52%. The company reported a net interest margin (NIM) of 3.77% and a strong 31% level of noninterest-bearing deposits. Capital ratios also improved, with common equity Tier 1 rising to 13% and tangible common equity (TCE) exceeding 11%. Tangible book value grew by 15.5% annualized, reaching over $41 per share. The company repurchased $12.8 million in stock and maintained low commercial real estate and construction concentrations. Loan growth was driven primarily by commercial and industrial (C&I) segments, with deposits increasing modestly. Ameris Bancorp remains optimistic for continued growth through 2025, supported by a solid deposit base, strong capital, and liquidity.

Strong Financial Performance

Ameris Bancorp reported net income of $109.8 million or $1.60 per diluted share, a notable 21% increase over the previous year. The return on assets (ROA) was robust at 1.65%, with return on tangible common equity at 15.8%.

Record Loan and Mortgage Production

Loan production increased to $1.9 billion, the highest since 2022, with a 29% increase in production from the first quarter. Mortgage production grew 36% in the quarter to approximately $1.3 billion.

Efficiency and Profitability Improvements

The efficiency ratio improved to 51.63% from 52.83% last quarter, and tangible book value per share increased to $41.32, a 15.5% annualized growth.

Strong Capital Position

Capital ratios improved, with common equity Tier 1 at 13% and tangible common equity at over 11%. The company repurchased $12.8 million in stock.

Growth in Noninterest-Bearing Deposits

Noninterest-bearing deposits increased over 3% annualized, maintaining a strong focus on deposit growth.

Ameris Bancorp (ABCB) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

ABCB Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 23, 2025	2025 (Q3)	1.48 / -	1.38	―	―	―
Jul 28, 2025	2025 (Q2)	1.33 / 1.59	1.17	35.90% (+0.42)
Apr 28, 2025	2025 (Q1)	1.14 / 1.28	1.1	16.36% (+0.18)
Jan 30, 2025	2024 (Q4)	1.19 / 1.38	1.07	28.97% (+0.31)
Oct 24, 2024	2024 (Q3)	1.25 / 1.38	1.16	18.97% (+0.22)
Jul 25, 2024	2024 (Q2)	1.14 / 1.17	0.91	28.57% (+0.26)
Apr 25, 2024	2024 (Q1)	1.04 / 1.10	0.86	27.91% (+0.24)
Jan 25, 2024	2023 (Q4)	1.10 / 1.07	1.17	-8.55% (-0.10)
Oct 26, 2023	2023 (Q3)	1.13 / 1.16	1.32	-12.12% (-0.16)
Jul 27, 2023	2023 (Q2)	1.14 / 0.91	1.18	-22.88% (-0.27)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

ABCB Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 28, 2025	$66.40	$69.94	+5.33%
Apr 28, 2025	$56.78	$58.82	+3.59%
Jan 30, 2025	$65.14	$65.22	+0.12%
Oct 24, 2024	$62.42	$60.65	-2.84%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Ameris (ABCB) report earnings?

Ameris (ABCB) is schdueled to report earning on Oct 23, 2025, Before Open (Confirmed).

What is Ameris (ABCB) earnings time?

Ameris (ABCB) earnings time is at Oct 23, 2025, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is ABCB EPS forecast?

ABCB EPS forecast for the fiscal quarter 2025 (Q3) is 1.48.

Become an Expert with TipRanks Premium

What am I Missing?

Make informed decisions based on Top Analysts' activity

Know what industry insiders are buying

Get actionable alerts from top Wall Street Analysts

Find out before anyone else which stock is going to shoot up

Get powerful stock screeners & detailed portfolio analysis

Subscribe Now See Plans & Pricing