The earnings call highlighted significant revenue growth, improved capital ratios, strong loan and deposit growth, and enhanced asset quality, with some concerns about future pressure on deposit costs and increased market competition. Despite these challenges, the overall performance was robust.

Company Guidance

During the Ameris Bancorp Second Quarter Conference Call, the company provided a positive outlook, citing several strong financial metrics. The return on assets (ROA) and return on tangible common equity both increased, with the efficiency ratio improving to below 52%. Revenue growth was reported at over 20% annualized, nearly double the expense growth, leading to an efficiency ratio of 51.63%. The net interest margin (NIM) was robust at 3.77%, supported by 31% of deposits being noninterest-bearing. Capital ratios showed strength, with common equity Tier 1 at 13% and tangible common equity at over 11%. Loan growth was 6.5% annualized, driven by commercial and industrial (C&I) lending, while noninterest-bearing deposits grew over 3% annualized. Ameris also repurchased $12.8 million in stock during the quarter. The company anticipates continued growth in the mid-single-digit range for both loans and deposits, with expectations to maintain a normalized margin above the 3.60% to 3.65% range despite potential deposit cost pressures.

Strong Revenue Growth

Achieved over 20% annualized revenue growth, nearly double the expense growth, improving the efficiency ratio to below 52%.

Loan and Deposit Growth

Loans grew at an annualized rate of 6.5%, with noninterest-bearing deposits growing over 3% annualized.

Improved Capital Ratios

Common equity Tier 1 increased to 13% and TCE to over 11%, with tangible book value growing 15.5% annualized to $41.32 per share.

Asset Quality Improvement

Improvement across all aspects of asset quality, with annualized net charge-offs improving by 14 basis points.

Record Net Income

Net income of $109.8 million or $1.60 per diluted share, representing a 21% increase over the previous year.

Margin Expansion and High NIM

Net interest margin expanded by 4 basis points to 3.77%, well above peer levels.

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

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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 Bancorp (ABCB) report earnings?

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

What is Ameris Bancorp (ABCB) earnings time?

Ameris Bancorp (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.

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