Ameris Bancorp is a bank holding company that operates through Ameris Bank, its subsidiary. The company operates branches in Georgia, Alabama, Florida, and South Carolina. It offers traditional banking services such as business banking, personal banking, checking, savings, mobile banking, and others. The bank is organized into four segments: the Banking Division, the Retail Mortgage Division, the Warehouse Lending Division and the Premium Finance Division. The company generates majority of its revenue from the banking division. The company intends to acquire banks in its geographic region to increase its market share and expand beyond its current market.
The chart shows the growth of an initial investment of $10,000 in Ameris Bancorp, comparing it to the performance of the S&P 500 index. All prices have been adjusted for splits and dividends.
Returns By Period
Ameris Bancorp (ABCB) has returned 5.70% so far this year and 59.64% over the past 12 months. Looking at the last ten years, ABCB has achieved an annualized return of 10.27%, underperforming the Benchmark (SPY), which averaged 12.23% per year.
ABCB
1M4.32%
6M4.37%
YTD5.70%
1Y59.64%
5Y8.38%
10Y10.27%
Benchmark (SPY)
1M-1.58%
6M-2.48%
YTD-4.36%
1Y34.06%
5Y9.80%
10Y12.23%
Monthly Returns
The table below presents the monthly returns of Ameris Bancorp (ABCB) with color gradation from worst to best to easily spot seasonal factors.
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
2026
8.70%
-4.43%
2.50%
0.46%
2025
4.19%
0.28%
-10.95%
3.13%
5.13%
5.82%
6.30%
8.84%
1.54%
-1.51%
5.72%
-1.32%
2024
-5.29%
-7.52%
5.24%
-1.92%
4.74%
0.62%
21.59%
1.17%
2.58%
0.39%
12.48%
-11.75%
2023
-0.40%
1.79%
-23.15%
-8.52%
-6.07%
7.51%
27.45%
-6.15%
-6.71%
-2.84%
14.37%
25.44%
2022
-1.46%
0.73%
-10.49%
-6.17%
8.55%
-12.04%
18.61%
-0.85%
-4.10%
14.21%
1.87%
-11.09%
2021
1.27%
19.49%
7.49%
2.68%
0.09%
-8.89%
-4.46%
1.11%
5.17%
0.69%
-8.29%
-0.76%
2020
-6.38%
-15.67%
-30.65%
13.37%
-1.62%
-3.36%
-2.43%
5.19%
-6.10%
28.51%
14.01%
8.93%
2019
21.36%
7.23%
-16.44%
5.07%
-3.18%
11.15%
1.71%
-8.48%
15.93%
5.08%
0.92%
-3.03%
2018
10.41%
-0.47%
-0.84%
-2.18%
7.74%
-4.82%
-12.24%
5.41%
-8.05%
-6.64%
-0.44%
-27.08%
2017
2.15%
6.15%
-4.16%
2.17%
-8.83%
10.30%
-5.27%
-4.45%
8.84%
-0.21%
2.69%
-2.92%
2016
6.91%
0.82%
-6.40%
12.22%
5.26%
-0.14%
4.52%
23.55%
-2.57%
Performance Indicators
The charts below present risk-adjusted performance metrics for Ameris Bancorp (ABCB) and compare them to a Benchmark (SPY). These indicators evaluate an investment's returns against its associated risks.
Sharpe ratio
Sortino ratio
Omega ratio
Calmar ratio
Martin ratio
sharpe ratio
The Sharpe ratio helps investors understand how much return they're getting for the level of risk taken. A higher Sharpe ratio indicates better risk-adjusted performance, meaning more reward for each unit of risk.
These values reflect how efficiently the investment has delivered returns relative to its volatility over different time periods. All figures are annualized and based on daily total returns.
The chart below shows the rolling Sharpe ratio of ABCB compared to the benchmark. This view highlights how the investment's risk-adjusted performance has changed over time.
Volatility Chart
The current Ameris Bancorp volatility is 1.11%, representing the standart deviation of percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. It shows the maximum percentage drop from a peak to a trough over a specified period, indicating the risk of significant losses. Although chart shows positive values, it represents the percentage drop from the peak, so a value of 10% means the portfolio has dropped 10% from its highest point.
Income Statement
The income statement provides a summary of a company's revenues, expenses, and profits over a specific period. It shows how much money the company earned (revenues) and how much it spent (expenses), leading to the net income or profit. This statement is crucial for understanding a company's financial performance and profitability.
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
Liabilities And Equity (USD)
27.52B
26.26B
25.20B
25.05B
23.86B
20.44B
18.24B
11.44B
7.86B
6.89B
5.59B
4.04B
3.67B
3.02B
2.99B
Equity Attributable To Parent (USD)
4.08B
3.75B
3.43B
3.20B
2.97B
2.65B
2.47B
1.46B
804.48M
646.44M
514.76M
366.03M
316.70M
279.02M
293.77M
Equity Attributable To Noncontrolling Interest (USD)
Ameris Bancorp reported record full-year 2025 earnings of $412.2 million with diluted EPS of $6.00, representing 15% year-over-year growth. The bank achieved a 50% efficiency ratio, expanded net interest margin to 3.79%, and grew tangible book value by 14.5%. Q4 loan production reached $2.4 billion (highest since 2022), though net loan growth was tempered by elevated CRE payoffs exceeding $500 million. Management expects mid-single-digit loan and deposit growth in 2026 with potential margin compression of 5-10 basis points due to rising deposit costs.
The Motley Fool•Motley Fool Transcribing
AI Insight
Record full-year profitability with 15% EPS growth, improved efficiency ratio from 53.2% to 50%, strong margin expansion, robust loan production at highest levels since 2022, healthy capital ratios, and consistent tangible book value growth of 14.5%. Management maintains bullish outlook for 2026 with strong pipelines and organic growth strategies, though some margin compression is anticipated.
Ameris Bancorp, the parent company of Ameris Bank, has declared a quarterly dividend of $0.15 per share, payable on October 7, 2024, to shareholders of record as of September 30, 2024.
Benzinga•Prnewswire
AI Insight
The company has announced a quarterly dividend, which is generally seen as a positive sign for shareholders.
While the top- and bottom-line numbers for Ameris Bancorp (ABCB) give a sense of how the business performed in the quarter ended March 2024, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.
Ameris Bancorp (ABCB) delivered earnings and revenue surprises of 3.77% and 3.28%, respectively, for the quarter ended March 2024. Do the numbers hold clues to what lies ahead for the stock?
Third Coast Bancshares (TCBX) delivered earnings and revenue surprises of 27.08% and 3.34%, respectively, for the quarter ended March 2024. Do the numbers hold clues to what lies ahead for the stock?
Bank7 (BSVN) delivered earnings and revenue surprises of 16.35% and 7.98%, respectively, for the quarter ended March 2024. Do the numbers hold clues to what lies ahead for the stock?
The headline numbers for Ameris Bancorp (ABCB) give insight into how the company performed in the quarter ended December 2023, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.
Ameris Bancorp (ABCB) delivered earnings and revenue surprises of -4.46% and 1.83%, respectively, for the quarter ended December 2023. Do the numbers hold clues to what lies ahead for the stock?
Stock Yards (SYBT) delivered earnings and revenue surprises of -7.87% and 4.76%, respectively, for the quarter ended December 2023. Do the numbers hold clues to what lies ahead for the stock?
