Ameris Bancorp (ABCB) Income Statement
ABCB 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsABCB revenue and net income
Where ABCB's revenue goes
2025Each bar shows an amount and its share of revenue. ABCB kept 24.7% of revenue as net income.
ABCB profit margins
ABCB growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +2.0% | +13.4% | +7.7% | +20.5% |
| Gross profit | +8.9% | +5.2% | +4.5% | +16.9% |
| Operating income | +12.2% | +5.6% | +9.4% | +25.1% |
| Net income | +14.9% | +6.0% | +9.5% | +26.0% |
| EPS (diluted) | +19.3% | +8.0% | +6.7% | +13.7% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
ABCB quarterly EPS vs estimates
Ameris Bancorp beat the analyst EPS estimate in 7 of the last 8 quarters. Next report: October 22, 2026 (estimate $1.68).
ABCB income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.67B | $1.63B | $1.49B | $1.14B | $1.04B | $1.15B | $819.6M | $527.7M | $395.3M | $338.7M |
| Cost of revenue | $527.8M | $587.9M | $588.0M | $164.6M | $12.4M | $234.1M | $151.0M | $86.6M | $42.6M | $23.8M |
| Gross profit | $1.14B | $1.05B | $899.9M | $976.9M | $1.03B | $912.9M | $668.6M | $441.1M | $352.7M | $314.9M |
| Research & development | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Sales, general & admin | $393.8M | $375.8M | $358.7M | $339.8M | $351.8M | $382.4M | $233.8M | $158.1M | $128.0M | $114.7M |
| Total operating expenses | $604.0M | $569.1M | $542.9M | $523.8M | $530.1M | $572.6M | $457.0M | $289.6M | $228.4M | $209.7M |
| Operating income | $533.8M | $475.9M | $356.9M | $453.1M | $496.1M | $340.2M | $211.6M | $151.5M | $124.3M | $105.2M |
| Interest income | $1.39B | $1.38B | $1.22B | $893.9M | $703.1M | $726.5M | $636.4M | $413.3M | $294.3M | $239.1M |
| Interest expense | $457.6M | $529.1M | $445.4M | $92.9M | $47.8M | $88.8M | $131.2M | $69.9M | $34.2M | $19.7M |
| Income before taxes | $533.8M | $475.9M | $356.9M | $453.1M | $496.1M | $340.2M | $211.6M | $151.5M | $124.3M | $105.2M |
| Income taxes | $121.6M | $117.2M | $87.8M | $106.6M | $119.2M | $78.3M | $50.1M | $30.5M | $50.7M | $33.1M |
| Net income | $412.2M | $358.7M | $269.1M | $346.5M | $376.9M | $262.0M | $161.4M | $121.0M | $73.5M | $72.1M |
| EBITDA | $572.2M | $522.6M | $402.9M | $506.7M | $544.0M | $395.4M | $252.7M | $171.0M | $137.4M | $119.1M |
| EPS (diluted) | $5.99 | $5.02 | $4.00 | $4.75 | $5.28 | $4.33 | $3.80 | $3.34 | $2.49 | $2.30 |
| Gross margin | 68.3% | 64.0% | 60.5% | 85.6% | 98.8% | 79.6% | 81.6% | 83.6% | 89.2% | 93.0% |
| Operating margin | 32.0% | 29.1% | 24.0% | 39.7% | 47.8% | 29.7% | 25.8% | 28.7% | 31.4% | 31.1% |
| Net margin | 24.7% | 22.0% | 18.1% | 30.4% | 36.3% | 22.8% | 19.7% | 22.9% | 18.6% | 21.3% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $431.9M | $421.7M | $419.9M | $422.4M | $408.0M | $389.2M | $405.8M | $416.3M | $425.4M | $385.4M | $379.4M | $385.8M |
| Cost of revenue | $130.3M | $107.3M | $135.7M | $139.7M | $118.6M | $133.8M | $137.3M | $147.2M | $154.2M | $149.2M | $149.1M | $147.3M |
| Gross profit | $301.6M | $314.4M | $284.2M | $282.7M | $289.4M | $255.4M | $268.4M | $269.1M | $271.2M | $236.2M | $230.3M | $238.5M |
| Sales, general & admin | $104.0M | $145.8M | $93.3M | $94.3M | $92.8M | $89.5M | $105.7M | $92.8M | $91.8M | $85.4M | $105.9M | $84.6M |
| Total operating expenses | $235.5M | $173.6M | $143.1M | $145.7M | $146.7M | $142.4M | $142.4M | $143.3M | $144.7M | $138.8M | $140.0M | $133.5M |
| Operating income | $66.0M | $140.7M | $141.1M | $137.0M | $142.7M | $112.9M | $126.0M | $125.9M | $126.5M | $97.5M | $90.4M | $105.0M |
| Interest income | $365.6M | $351.8M | $358.1M | $355.0M | $347.6M | $333.8M | $346.4M | $355.1M | $347.3M | $329.5M | $332.2M | $330.6M |
| Interest expense | $113.1M | $107.3M | $112.8M | $117.1M | $115.8M | $111.9M | $124.5M | $141.1M | $135.4M | $128.1M | $126.1M | $122.8M |
| Income before taxes | $66.0M | $140.7M | $141.1M | $137.0M | $142.7M | $112.9M | $126.0M | $125.9M | $126.5M | $97.5M | $90.4M | $105.0M |
| Income taxes | $14.6M | $30.2M | $32.7M | $31.0M | $32.9M | $25.0M | $31.6M | $26.7M | $35.7M | $23.1M | $24.5M | $24.9M |
| Net income | $51.4M | $110.5M | $108.4M | $106.0M | $109.8M | $87.9M | $94.4M | $99.2M | $90.8M | $74.3M | $65.9M | $80.1M |
| EBITDA | $73.5M | $146.7M | $149.4M | $146.1M | $153.1M | $123.6M | $137.8M | $137.3M | $138.0M | $109.5M | $102.6M | $117.1M |
| EPS (diluted) | $1.60 | $1.63 | $1.59 | $1.53 | $1.59 | $1.28 | $1.37 | $1.38 | $1.17 | $1.10 | $1.07 | $1.16 |
| Gross margin | 69.8% | 74.5% | 67.7% | 66.9% | 70.9% | 65.6% | 66.1% | 64.6% | 63.8% | 61.3% | 60.7% | 61.8% |
| Operating margin | 15.3% | 33.4% | 33.6% | 32.4% | 35.0% | 29.0% | 31.1% | 30.2% | 29.7% | 25.3% | 23.8% | 27.2% |
| Net margin | 11.9% | 26.2% | 25.8% | 25.1% | 26.9% | 22.6% | 23.3% | 23.8% | 21.3% | 19.3% | 17.4% | 20.8% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in ABCB's financial statements (latest annual report filed February 26, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
ABCB financial results
In fiscal year 2025 (ended December 31, 2025), Ameris Bancorp reported revenue of $1.7 billion, up 2.0% from the year before. It had net income of $412.2 million (up 14.9%), a net profit margin of 24.7%. Diluted earnings per share came to $5.99. Over five years revenue grew at an average rate of 7.7% a year.
See the ABCB stock overview for the latest quote and news, or the ABCB chart for price history and technical indicators.
ABCB income statement FAQ
What is Ameris Bancorp's annual revenue?
Ameris Bancorp reported total revenue of $1.7 billion for fiscal year 2025, which ended on December 31, 2025. That was up 2.0% from $1.6 billion the previous year.
Is Ameris Bancorp profitable?
Yes. Ameris Bancorp reported net income of $412.2 million in fiscal 2025, a net profit margin of 24.7%; its operating margin was 32.0%.
What is Ameris Bancorp's gross margin?
Ameris Bancorp's gross margin was 68.3% in fiscal 2025: for every $100 of revenue, Ameris Bancorp kept $68 after the direct cost of its products and services.
How fast is Ameris Bancorp growing?
Revenue grew 7.7% a year on average over the last five fiscal years, from $1.1 billion to $1.7 billion.
What are Ameris Bancorp's earnings per share?
Ameris Bancorp earned $5.99 per diluted share in fiscal 2025, compared with $5.02 a year earlier.
When will Ameris Bancorp report its next earnings?
Ameris Bancorp is expected to report results for the quarter ending September 30, 2026 on October 22, 2026 after the market closes.
When does Ameris Bancorp's fiscal year end?
Ameris Bancorp's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on February 26, 2026.