Ameris Bancorp
Combines Southeastern relationship banking with nationwide mortgage and specialty-finance channels.
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Profile
Runs a Southeastern branch bank offering commercial and consumer banking, deposits, mortgages, treasury services, and wealth management, while nationwide specialty channels provide mortgage warehouse, equipment, and insurance premium finance. Net interest income is the main revenue engine, with a loan book concentrated in real-estate collateral.
Operates Ameris Bank through four reportable segments: Banking, Retail Mortgage, Warehouse Lending, and Premium Finance. Banking supplies commercial and consumer loans, deposits, treasury and cash management, wealth services, and equipment finance; the other divisions originate, sell, and service home loans, fund mortgage originators, and finance commercial and life-insurance premiums.
Pairs a branch-based deposit franchise across Georgia, Alabama, Florida, North Carolina, and South Carolina with selected nationwide lending channels. Relationship banking and a wider specialty-finance mix broaden the business beyond a conventional regional bank. Earnings remain tied to net interest income, credit performance in a loan book largely secured by real estate, residential mortgage activity, and funding conditions; operations also depend on bank capital, liquidity, and regulatory requirements.
Company facts
Categories
Key statistics
Year to date +15.6% · Average volume (30d) 401.6K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Jul 28, 2026 | Truist Financial | Target | $92 | $90 | ||
| Jul 27, 2026 | Stephens | Target | $90 | $88 | ||
| Jul 27, 2026 | DA Davidson | Reiterate | Buy | $94 | $100 | |
| Jul 27, 2026 | Piper Sandler | Reiterate | Neutral | $96 | $92 | |
| Jul 13, 2026 | Piper Sandler | Downgrade | Overweight | Neutral |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 23, 2026Q2 FY26 | $1.66 | $1.60 | −3.6% | $323.8M | $317.8M | −1.9% | −1.60% |
| Apr 23, 2026Q1 FY26 | $1.54 | $1.63 | +5.8% | $309.3M | $314.4M | +1.6% | +0.32% |
| Jan 29, 2026Q4 FY25 | $1.56 | $1.59 | +1.9% | $310.4M | $309.9M | −0.2% | −0.84% |
| Oct 27, 2025Q3 FY25 | $1.47 | $1.53 | +4.1% | $306.3M | $305.3M | −0.3% | −1.88% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $389.2M | $408.0M | $422.4M | $419.9M | $421.7M | $431.9M | |
| Gross profit | $255.4M | $289.4M | $282.7M | $284.2M | $314.4M | $301.6M | |
| Operating income | $112.9M | $142.7M | $137.0M | $141.1M | $140.7M | $66.0M | |
| Net income | $87.9M | $109.8M | $106.0M | $108.4M | $110.5M | $51.4M | |
| Diluted EPS | $1.27 | $1.60 | $1.54 | $1.59 | $1.63 | $0.77 | |
| Gross margin | 65.6% | 70.9% | 66.9% | 67.7% | 74.5% | 69.8% | |
| Operating margin | 29.0% | 35.0% | 32.4% | 33.6% | 33.4% | 15.3% |
Fiscal years (4-quarter sums)FY21 $1.02B · FY22 $1.14B · FY23 $1.49B · FY24 $1.63B · FY25 $1.64B
Revenue by product · FY25
Balance sheet, Jun 30, 2026Cash & short-term investments $237.4M · Total debt $1.39B · Total assets $28.49B · Shareholders' equity $4.09B
Dividends
Raised for 11 straight years — most recently to $0.20 from $0.15 in Dec 2024. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jun 30, 2026 | Jun 30 | Jul 6 | $0.20 | |
| Mar 31, 2026 | Mar 31 | Apr 6 | $0.20 | |
| Dec 31, 2025 | Dec 31 | Jan 5 | $0.20 | |
| Sep 30, 2025 | Sep 30 | Oct 6 | $0.20 | |
| Jun 30, 2025 | Jun 30 | Jul 7 | $0.20 | |
| Mar 31, 2025 | Mar 31 | Apr 7 | $0.20 | |
| Dec 31, 2024 | Dec 31 | Jan 6 | $0.20 | raised from $0.15 |
| Sep 30, 2024 | Sep 30 | Oct 7 | $0.15 |
Ownership
A 13F quarter can total more than the shares outstanding — sub-advisers file the same block twice, and a filer's own share count can be a quarter stale. No split is drawn from it.
Shares outstanding 67.29M · Float 59.46M · 88.4% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 9.77M | 14.52% | 13F | Aug 7, 2026 |
| Dimensional Fund Advisors LP | 3.90M | 5.80% | 13F | Aug 11, 2026 |
| Vanguard Portfolio Management LLC | 3.72M | 5.52% | 13F | Aug 13, 2026 |
| State Street Corp | 3.49M | 5.19% | 13F | Aug 7, 2026 |
| Invesco Ltd. | 3.09M | 4.59% | 13F | Aug 14, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Mar 9, 2026 | Leo J. Hill | director | −0 | $75.15 |
| Feb 24, 2026 | Ross L. Creasy | officer: Chief Information Officer | −1 | $79.40 |
| Feb 24, 2026 | Nicole S. Stokes | officer: CFO | −1 | $79.20 |
| Feb 24, 2026 | Douglas D. Strange | officer: Chief Credit Officer | −1 | $78.76 |
| Feb 19, 2026 | James A. LaHaise | officer: Chief Strategy Officer | −6,641 | $82.93 |
Peers
- Pinnacle Financial Partners
Larger Southeast relationship bank after Synovus combination
- SouthState
Close Southeast peer across banking, mortgage and wealth
- United Community Banks
Similar-scale Southeast bank with mortgage and SBA reach
- Regions Financial
Large Southern bank with broad product overlap
- First Horizon
Southern regional bank with commercial and mortgage overlap
- Bank OZK
Specialized regional bank in CRE-heavy lending markets
- Renasant
Southeast bank with mortgage and asset-based lending overlap
- Hancock Whitney
Gulf-Southeast bank competing in banking and mortgage
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Ameris Bancorp | $85.59 | +0.06% | $5.76B | 15.5 | 12.6 | 3.4 | +5.7% |
| Pinnacle Financial Partners | $101.09 | +0.02% | $15.26B | 12.4 | 9.4 | 3.1 | +145.2% |
| SouthState | $105.98 | +0.00% | $10.28B | 11.1 | 10.8 | 3.2 | +1.2% |
| United Community Banks | $35.18 | −0.01% | $4.21B | 11.5 | 11.6 | 2.7 | +9.8% |
| Regions Financial | $30.33 | +0.02% | $25.88B | 12.4 | 11.1 | 2.7 | +2.2% |
| First Horizon | $24.65 | +0.02% | $11.70B | 11.8 | 11.3 | 2.5 | +9.9% |
| Bank OZK | $49.40 | −0.02% | $5.39B | 8.2 | 8.5 | 1.9 | +1.8% |
| Renasant | $41.09 | −0.02% | $3.76B | 12.3 | 10.8 | 3.0 | +21.1% |
| Hancock Whitney | $75.07 | −0.03% | $6.09B | 14.7 | 10.8 | 3.1 | +7.8% |
| Median | 12.0 | 10.8 | 2.9 | +8.8% |