Ameris Bancorp (ABCB)
NYSE:ABCB
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Earnings Data
Report Date
Jul 23, 2026Before Open (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
1.66Last Year’s EPS
1.59Same Quarter Last Year
Moderate Buy
Based on 7 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call emphasized multiple strong positives: solid profitability (ROA, ROTCE, PPNR), double-digit revenue growth year-over-year, robust loan production and a healthy deposit franchise (notably noninterest-bearing deposits), active share repurchases, improving tangible book value, and stable credit metrics. Management acknowledged manageable near-term headwinds — expected modest NIM compression (5–10 bps), competitive deposit costs, seasonal expense items, and mortgage revenue sensitivity — but characterized these as controllable or contingent on the macro/rate environment. Given the breadth and magnitude of operational and capital strengths relative to the described challenges, the call's tone and metrics skew clearly favorable.Company Guidance
Strong Profitability Metrics
Net income of $110.5 million ($1.63 diluted EPS); return on assets (ROA) 1.62%; PPNR ROA 2.30%; return on tangible common equity ~14.75%.
Revenue Growth and Operating Leverage
Quarterly revenue increased ~9.5%–10% year-over-year; fee income represented ~22% of total revenue; revenue growth of $28.5 million YoY versus expense growth of only $6 million, driving improved operating leverage.
Improved Efficiency Ratio
Efficiency ratio improved to 49.97% (from 52.83% in Q1 2025) despite seasonal headwinds; management expects efficiency slightly above 50% for the rest of 2026.
NIM Expansion and Margin Outperformance
Net interest margin expanded 3 basis points to 3.88% for the quarter, described as well above peer and 100% core (no purchase accounting accretion).
Robust Loan Production and Pipeline
Loan production of $2.2 billion in the quarter (a 45% increase vs Q1 last year); loan pipeline at $2.8 billion; loans grew $314.5 million (approx. 5.9% annualized).
Earning Asset and Balance Sheet Growth
Earning assets grew $607.8 million or 9.7% annualized; total assets ended at $28.1 billion (from $27.5 billion at year-end).
Core Deposit Strength
Total deposits grew $261 million (4.7% annualized); noninterest-bearing deposits increased $323 million and returned to ~29.8%–30% of total deposits; minimal reliance on brokered funds.
Active Capital Return and Strong Capital Ratios
Repurchased $74.9 million (950,400 shares) in the quarter (~1.4% of shares) at an average price of $78.76; remaining buyback authorization $84.3 million; CET1 roughly 13%; tangible common equity slightly above 11%; total risk-based capital ~14.8%.
Tangible Book Value Growth
Tangible book value increased to $44.79, about 12.5% higher than a year ago.
Stable Credit Trends
Allowance/reserve at 1.62% unchanged; annualized net charge-offs decreased to 21 basis points; recorded provision expense of $16.6 million; non-performing assets (ex government-guaranteed mortgages) and classified/criticized assets improved or remained below peer.
ABCB Earnings History
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 |
|---|---|---|---|
Apr 23, 2026 | $84.62 | $84.89 | +0.32% |
Jan 29, 2026 | $81.09 | $80.41 | -0.84% |
Oct 27, 2025 | $74.02 | $72.63 | -1.88% |
Jul 28, 2025 | $65.87 | $69.38 | +5.33% |
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 Bancorp (ABCB) report earnings?
Ameris Bancorp (ABCB) is schdueled to report earning on Jul 23, 2026, Before Open (Confirmed).
What is Ameris Bancorp (ABCB) earnings time?
Ameris Bancorp (ABCB) earnings time is at Jul 23, 2026, 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 2026 (Q2) is 1.66.