At a glance
Ameris Bancorp is worth $5.49B, about 14 times its fiscal 2025 earnings. Revenue grew 5.7% to $1.21B in fiscal 2025, with 34.1% kept as profit; over 5 years it has grown 2.2% a year. It pays a 0.98% dividend yield, and returned $364.8M to shareholders in dividends and buybacks over FY2021–FY2025. The stock returned +13.3% over the past year with dividends reinvested and +10.2% a year over five years, against +11.5% and +11.7% for the S&P 500. At its worst it fell 53.9% in the 2020 crash (S&P 500: 33.7%) and 29.2% in the 2022 bear market (S&P 500: 24.5%), and was back at its earlier high 10 months and 24 months after the lows.
The business in plain English
Ameris Bancorp is the Atlanta-based parent company of Ameris Bank, a regional bank serving individuals and businesses mainly in Georgia, Alabama, Florida, North Carolina and South Carolina. It runs 163 full-service banking offices and has no foreign operations. As of December 31, 2025, it held about $27.52 billion in total assets, $22.38 billion in deposits and $22.14 billion in loans.
Like other banks, Ameris makes most of its money from net interest income: the difference between the interest it collects on loans and investments and the interest it pays depositors. In 2025 that came to about $937 million of roughly $1.21 billion in revenue. The other $271 million was noninterest income, earned from sources other than interest, such as fees. Beyond deposit accounts, it offers business cash management, loans that help companies pay insurance premiums, and home mortgages, most of which it offloads to outside investors.
Loans make up about 80.5% of total assets, and commercial real estate is the largest category: loans on offices, shops, warehouses, farmland, apartment buildings and construction projects. Ameris also lends to businesses, farmers and consumers, and makes loans backed by the U.S. Small Business Administration. Its equipment finance, insurance premium finance and government-guaranteed lending lines reach customers nationwide. The company says it has not made foreign, energy-related or subprime (high-risk borrower) loans.
Price history
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ABCB +13.3% over the year to Oct 28, 2026, total return with dividends reinvested.
Latest results
- In Q2 FY2026 (ended Jun 30, 2026), revenue was $326.0M, up 8.4% from a year earlier, and net income was $51.4M (-53.2%).
- For fiscal 2025, revenue was $1.21B (+5.7% year over year; +2.2% a year from FY2020 to FY2025) with a 34.1% net margin.
Financial health check
| Revenue growth a year (FY2020–FY2025) | +2.2% watch |
|---|---|
| Return on equity | 10.1% watch |
| Net income / revenue | 34.1% good |
| Deposits | $22.59B |
| Loans | $21.82B |
| Fiscal year | Revenue | Net income | Free cash flow |
|---|---|---|---|
| FY2020 | $1.08B | $262.0M | — |
| FY2021 | $1.02B | $376.9M | — |
| FY2022 | $1.09B | $346.5M | — |
| FY2023 | $1.08B | $269.1M | — |
| FY2024 | $1.14B | $358.7M | — |
| FY2025 | $1.21B | $412.2M | — |
Valuation snapshot
| Market value | $5.49B |
|---|---|
| P/E ratio | 13.6 |
| Dividend yield | 0.98% |
Rank among 1514 US companies
Market value at each year end
Ameris Bancorp’s market value went from $1.52B at the end of 2016 to $5.49B on Oct 28, 2026, about 3.6 times as much; since the end of 2025 it is up 8%.
Show as a table
| Year end | Market value | Change |
|---|---|---|
| Oct 28, 2026 | $5.49B | +8.3% |
| 2025 | $5.07B | +17.4% |
| 2024 | $4.32B | +18.0% |
| 2023 | $3.66B | +12.1% |
| 2022 | $3.27B | -5.5% |
| 2021 | $3.46B | +30.8% |
| 2020 | $2.65B | -10.7% |
| 2019 | $2.96B | +97.0% |
| 2018 | $1.50B | -16.2% |
| 2017 | $1.79B | +17.9% |
| 2016 | $1.52B |
Price behavior
| YTD | 1 yr | 3 yr | 5 yr | 10 yr | |
|---|---|---|---|---|---|
| ABCB price data to Oct 28, 2026 | +11.1% | +13.3% | +33.1% | +10.2% | +9.9% |
Show as a table
| Year | Price data |
|---|---|
| 2026 (to date) | +11.1% |
| 2025 | +20.1% |
| 2024 | +19.3% |
| 2023 | +14.3% |
| 2022 | -3.8% |
| 2021 | +32.0% |
| 2020 | -8.4% |
| 2019 | +36.0% |
| 2018 | -33.7% |
| 2017 | +11.5% |
| 2016 | +29.4% |
| 2015 | +33.5% |
| 2014 | +22.2% |
| 2013 | +69.0% |
| 2012 | +21.5% |
| 2011 | -2.5% |
| 2010 | +49.1% |
| 2009 | -37.7% |
| 2008 | -27.5% |
| 2007 | -38.5% |
| 2006 | +45.2% |
| 2008 financial crisis stocks fell Oct 9, 2007 – Mar 9, 2009 | Lost 78.9% over that stretch · deepest drop along the way 79.8%, back to its old high 51.9 months after the low |
|---|---|
| 2020 COVID crash stocks fell Feb 19, 2020 – Mar 23, 2020 | Lost 53.1% over that stretch · deepest drop along the way 53.9%, back to its old high 9.5 months after the low |
| 2022 bear market stocks fell Jan 3, 2022 – Oct 12, 2022 | Lost 5.9% over that stretch · deepest drop along the way 29.2%, back to its old high 23.9 months after the low |
Insider activity
Form 4 filings from 2025-10-31 to 2026-10-31 (25 read): 0 open-market purchases and 2 sales ($25.98).
| Date | Insider | Type | Value |
|---|---|---|---|
| Mar 9, 2026 | Leo J Hill Director | sell | $24.00 |
| Mar 9, 2026 | Leo J Hill Director | sell | $2.00 |
Who owns it
Large shareholders (13G filings)
| BlackRock, Inc. | 13.6% | Jun 30, 2025 |
| Vanguard Portfolio Management | 5.49% | Mar 31, 2026 |
| STATE STREET CORPORATION | 5.2% | Jun 30, 2026 |
| Vanguard Capital Management | 5% | Mar 31, 2026 |
| Wellington Management Group LLP | 4.8% | Sep 30, 2025 |
| North Reef Capital Management LP | 4.06% | Jun 30, 2026 |
ETFs with the most weight in ABCB
| KBE SPDR S&P Bank ETF | 1.1% |
| PSCF Invesco S&P SmallCap Financials ETF | 1.1% |
| XSVM Invesco S&P SmallCap Value with Momentum ETF | 0.66% |
| SVAL iShares US Small Cap Value Factor ETF | 0.58% |
| FNK First Trust Mid Cap Value AlphaDEX Fund | 0.45% |
| PSC Principal U.S. Small-Cap ETF | 0.36% |
| BUYO KraneShares Man Buyout Beta Index ETF | 0.35% |
| XJR iShares ESG Select Screened S&P Small-Cap ETF | 0.34% |
What could go wrong
- Concentrated in five Southeastern states. Ameris's customers are mainly in Georgia, Alabama, Florida, North Carolina and South Carolina. A regional recession or slump in property values there could hurt loan demand and repayments at the same time.
- Commercial real estate is the biggest loan type. Loans on offices, shops, warehouses, apartments and construction projects are the largest part of the loan book. A commercial property slump could push losses above what Ameris has set aside.
- Mortgage business rises and falls with housing. Ameris offloads most of the home mortgages it makes to outside investors. Higher rates or a housing slowdown can shrink that business, and the company warns it could hurt earnings and liquidity.
- Profits depend heavily on interest rates. Most revenue is net interest income, the gap between what Ameris earns on loans and pays on deposits. Shifts in rates or Federal Reserve policy can squeeze that gap or slow borrowing.
- Losing deposits would raise funding costs. Ameris relies on customer deposits to fund its lending. If depositors move money elsewhere for higher rates, the bank may need costlier funding, cutting profits and possibly straining liquidity (ready access to cash).
- Acquisitions may not pay off as planned. Ameris has grown partly by acquiring other businesses and may do more deals. Acquisitions can bring smaller savings, lower earnings or harder integration than expected, and bank deals generally need federal approval.
Recent events
- Quarterly results released; Investor presentation or announcement
- Quarterly results released; Investor presentation or announcement
- Bylaws or fiscal year changed
- Other company announcement
- Shareholder vote results
- Quarterly results released; Investor presentation or announcement
- Executive or board change
- Quarterly results released; Investor presentation or announcement
For income and retirement investors
Ameris pays a small but growing dividend. It paid $0.80 a share for 2025, up from $0.65 in 2024, after holding at $0.60 from 2020 through 2023. That is a two-year streak of increases and about 5.9% average yearly growth since 2020. Dividends used just 13.4% of 2025 earnings, leaving a wide cushion, but the yield was only 0.98% as of October 28, 2026. Ameris also returns cash through buybacks (repurchasing its own shares): $143 million from 2021 through 2025, including $83 million in 2025. The share count fell 3.6% between October 2021 and August 2026.
The stock has been hit hard in downturns. It fell about 80% from October 2007 to March 2009 and did not regain its peak until July 2013. It dropped about 54% in the 2020 COVID crash, recovering by January 2021, and about 29% in 2022, recovering by July 2024. A single stock carries more risk than a diversified fund.
Questions investors ask
How does Ameris Bancorp make money?
Mostly by lending. Ameris earns more interest on its loans and investments than it pays on deposits. That gap, called net interest income, was about $937 million of its roughly $1.21 billion in 2025 revenue. The other $271 million was noninterest income, such as fees. Commercial real estate loans are its largest loan category, and its 163 banking offices are mainly in Georgia, Alabama, Florida, North Carolina and South Carolina.
Does Ameris Bancorp raise its dividend every year?
No, not every year. The dividend held at $0.60 a share from 2020 through 2023, then rose to $0.65 in 2024 and $0.80 in 2025, giving a two-year streak of increases. The payout is small next to profits, at 13.4% of 2025 earnings, and the yield was 0.98% as of October 28, 2026. The company's annual report warns that the parent company relies on dividends from Ameris Bank for most of its revenue and may be unable to pay dividends on its common stock.
Is Ameris Bancorp's profit growing?
It grew in 2025 but fell sharply in the quarter ended June 30, 2026. Net income rose 14.9% in 2025 to about $412 million, or $6.00 per share (diluted), on 5.7% revenue growth. In the June 2026 quarter, revenue rose 8.4% from a year earlier to $326 million, but net income dropped 53.2% to $51.4 million. Over the five years from 2020 to 2025, revenue grew only about 2.2% a year.
How did Ameris Bancorp stock do in the 2008 financial crisis?
Very poorly. The shares fell about 80% from October 2007 to March 2009 and did not regain their previous high until July 2013, about 52 months after the low. The stock has also dropped sharply in later downturns: about 54% in the 2020 COVID crash, recovered by January 2021, and about 29% in 2022, recovered by July 2024. Its largest decline across about 21 years of price history was 86.6%.
What is Ameris Bancorp's P/E ratio?
About 13.6 as of October 28, 2026, based on 2025 earnings of $6.00 per share (diluted). The price-to-earnings (P/E) ratio shows how many dollars investors pay for each dollar of yearly profit. Because it rests on full-year 2025 profit, it does not reflect the much lower net income in the quarter ended June 30, 2026. Return on equity, a measure of how much profit a bank makes on shareholders' money, was 10.1% for 2025. The P/E is worth comparing with other regional banks of similar size.