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Ameris (ABCB)
:ABCB
Earnings Data
Report Date
Jul 24, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
1.33Last Year’s EPS
1.17Same Quarter Last Year
Strong Buy
Based on 4 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Apr 28, 2025
|% Change Since: 6.18%
|Next Earnings Date:Jul 24, 2025
Earnings Call Sentiment|Positive
The earnings call presented a strong performance in profitability, net interest margin expansion, and capital growth. However, there were challenges with increased provisions for credit losses and a decline in non-interest income.Company Guidance
During the Ameris Bancorp's first-quarter conference call for fiscal year 2025, the company provided detailed guidance on its financial performance and strategic focus. The bank reported a strong start with a return on assets (ROA) of 136 and a pre-provision net revenue (PPNR) ROA exceeding 2%. The return on tangible common equity was over 13%, and the net interest margin expanded to 3.73%, supported by a robust 30% level of non-interest-bearing deposits. The efficiency ratio improved by 281 basis points compared to the previous year, reflecting effective expense control. The loan-to-deposit ratio decreased to 94% from 98% a year ago, and concentrations in CRE and construction loans were reduced to 261 and 57, respectively. Capital positions remained strong, with a common equity Tier 1 ratio of 12.9% and tangible common equity (TCE) at 10.8%. The company's tangible book value grew by over 12.5%, and $15 million of stock was repurchased. Deposit growth was reported at 4% annualized, with non-interest-bearing deposits growing at a 15% annualized rate. Looking forward, the bank anticipates mid-single-digit growth in loans and deposits for 2025 and expects the net interest margin to normalize above 3.60% in the coming quarters.Strong Profitability Metrics
Ameris Bancorp reported a 136 ROA, over 2% PPNR ROA, and a return on tangible common equity of over 13% for the first quarter of 2025.
Net Interest Margin Expansion
The net interest margin expanded by 9 basis points to 3.73%, well above most peers, aided by a strong 30% level of non-interest bearing deposits.
Capital and Shareholder Value Growth
Tangible book value grew by over 12.5%, common equity Tier 1 reached 12.9%, and the company repurchased $15 million of stock.
Deposit Growth
Deposits increased by $190 million, a 4% annualized growth, with non-interest bearing deposits growing at a 15% annualized rate.
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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
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ABCB Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
| Apr 28, 2025 | $56.96 | $59.00 | +3.58% |
| Jan 30, 2025 | $65.34 | $65.42 | +0.12% |
| Oct 24, 2024 | $62.61 | $60.84 | -2.83% |
| Jul 25, 2024 | $60.32 | $61.15 | +1.38% |
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.
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FAQ
When does Ameris (ABCB) report earnings?
Ameris (ABCB) is schdueled to report earning on Jul 24, 2025, TBA Not Confirmed.
What is Ameris (ABCB) earnings time?
Ameris (ABCB) earnings time is at Jul 24, 2025, TBA Not 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 (Q2) is 1.33.
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