Education
About Us
Working with TipRanks
Follow Us
Ameris Bancorp (ABCB)
NYSE:ABCB
Earnings Data
Report Date
Apr 23, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
1.56Last Year’s EPS
1.28Same Quarter Last Year
Moderate Buy
Based on 6 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call emphasized multiple strong positive operating and capital outcomes: record net income and EPS, margin and efficiency improvements, robust loan production and pipelines, tangible book value growth (~14.5%), and disciplined capital returns including buybacks. Near-term headwinds include deposit cost pressure that could compress margin (management expects a modest 5–10 bps decline), seasonal Q1 expense increases, mortgage revenue volatility, elevated Q4 CRE payoffs that temporarily reduced net loan growth, and a short-term uptick in quarterly net charge-offs. Overall, the positives around core profitability, asset quality and capital strength outweigh the transitory and manageable challenges called out.Company Guidance
Record Annual Earnings and EPS Growth
Reported record net income for FY2025 of $412.2 million and diluted EPS of $6.00, a 15% increase in EPS year-over-year.
Strong Quarterly Results and Profitability Metrics
Q4 net income of $108.4 million ($1.59 diluted EPS); Q4 PPNR ROA of 2.38% and Q4 ROTCE of 14.5%; quarterly ROA approximately 1.57%.
Net Interest Income and Margin Expansion
Net interest income increased $87.7 million (+10.3%) for the year; Q4 NII up $7.3 million (12.2% annualized). Net interest margin expanded to 3.79% for FY2025 from 3.56% in 2024, and Q4 NIM was 3.85% (5 bps expansion quarter-over-quarter).
Revenue Growth with Expense Discipline
Reported 6% revenue growth for the year while total expenses declined ~1% year-over-year; positive operating leverage pushed full-year efficiency ratio to 50% (improved from 53.2% in prior year) and Q4 efficiency ratio of 46.6%.
Balance Sheet and Loan Production Momentum
Earning assets grew ~5.5% for the year and total assets grew 4.8% year-over-year. Q4 earning-asset growth was ~6%; loan production was the highest since 2022 at $2.4 billion for the quarter (16% increase vs Q3). Core loan growth nearly 5% in Q4 despite elevated CRE payoffs.
Capital Strength and Share Repurchases
Common Equity Tier 1 at 13.2% and tangible common equity ratio at 11.4%. Repurchased $77 million of stock for the year (~2% of company) at an average price under $67; Q4 buybacks totaled $40.8 million (~564k shares) at an average price of $72.36. Remaining buyback authorization ~$159.2 million.
Asset Quality and Allowance Position
Allowance for loan losses at 1.62% of loans (stable q/q). Full-year net charge-offs improved to 18 bps (from 19 bps prior year). Nonperforming assets, classified and criticized loans remained low.
Mortgage Servicing Scale and Other Fee Income
Unpaid principal balance of servicing portfolio approximately $8.7 billion (about 4% of Tier 1 capital). Adjusted noninterest income was roughly flat for the year (+$1.4 million).
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 |
|---|---|---|---|
Jan 29, 2026 | $81.30 | $80.62 | -0.84% |
Oct 27, 2025 | $74.41 | $73.01 | -1.88% |
Jul 28, 2025 | $66.22 | $69.75 | +5.33% |
Apr 28, 2025 | $56.63 | $58.66 | +3.58% |
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 Apr 23, 2026, Before Open (Confirmed).
What is Ameris Bancorp (ABCB) earnings time?
Ameris Bancorp (ABCB) earnings time is at Apr 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 (Q1) is 1.56.