Ameris Bancorp (ABCB) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 244.44M | 245.31M | 237.96M | 231.81M | 221.84M | 221.82M | 214.06M | 211.92M | 201.39M | 206.1M | 207.75M | 209.54M | 211.65M | 224.14M | 212.98M | 191.36M | 172.54M | 166.84M | 161.66M | 161.85M |
| NII Growth % | 10.19% | 10.59% | 11.17% | 9.39% | 10.15% | 7.63% | 3.04% | 1.14% | -4.85% | -8.05% | -2.46% | 9.5% | 22.67% | 34.34% | 31.75% | 18.23% | 4.59% | 2.07% | -0.54% | -1.2% |
| Net Interest Margin % | 0.87% | 0.89% | 0.88% | 0.87% | 0.84% | 0.84% | 0.81% | 0.8% | 0.78% | 0.82% | 0.81% | 0.81% | 0.81% | 0.89% | 0.89% | 0.81% | 0.73% | 0.7% | 0.72% | 0.74% |
| Interest Income | 351.77M | 358.06M | 355.05M | 347.64M | 333.78M | 346.36M | 355.15M | 347.32M | 329.45M | 332.21M | 330.55M | 321.95M | 295.72M | 273.64M | 234.3M | 202.57M | 183.37M | 178.37M | 173.05M | 173.75M |
| Interest Expense | 107.33M | 112.76M | 117.08M | 115.83M | 111.94M | 124.54M | 141.09M | 135.4M | 128.06M | 126.11M | 122.8M | 112.41M | 84.06M | 49.51M | 21.32M | 11.2M | 10.83M | 11.53M | 11.38M | 11.9M |
| Loan Loss Provision | 0 | 22.95M | 22.63M | 2.77M | 21.89M | 12.81M | 6.11M | 18.77M | 21.11M | 22.95M | 24.46M | 45.52M | 49.73M | 32.89M | 17.65M | 14.92M | 6.23M | 2.76M | -9.68M | 142K |
| Non-Interest Income | 69.92M | 61.83M | 67.36M | 60.36M | 55.44M | 59.39M | 61.19M | 78.08M | 55.95M | 47.2M | 55.25M | 57.73M | 47.28M | 39.59M | 55.59M | 73.42M | 78.96M | 53.3M | 68.78M | 83.7M |
| Non-Interest Income % | 16.58% | 14.72% | 15.95% | 14.79% | 14.24% | 14.64% | 14.7% | 18.35% | 14.52% | 12.44% | 14.32% | 15.2% | 13.79% | 12.64% | 19.17% | 26.6% | 30.1% | 23.01% | 28.44% | 32.51% |
| Total Revenue | 421.69M | 419.89M | 422.41M | 408M | 389.21M | 405.75M | 416.34M | 425.4M | 385.4M | 379.41M | 385.8M | 379.68M | 343M | 313.24M | 289.89M | 275.99M | 262.33M | 231.66M | 241.83M | 257.45M |
| Revenue Growth % | 8.34% | 3.48% | 1.46% | -4.09% | 0.99% | 6.94% | 7.91% | 12.04% | 12.36% | 21.13% | 33.09% | 37.57% | 30.75% | 35.21% | 19.87% | 7.2% | -9.38% | -20.05% | -28.48% | -15.6% |
| Non-Interest Expense | 173.63M | 143.09M | 145.65M | 146.71M | 142.45M | 142.38M | 143.26M | 144.72M | 138.79M | 139.96M | 133.52M | 138.78M | 130.66M | 126.31M | 129.84M | 131.78M | 135.87M | 109.9M | 129.42M | 130.22M |
| Efficiency Ratio | 41.17% | 34.08% | 34.48% | 35.96% | 36.6% | 35.09% | 34.41% | 34.02% | 36.01% | 36.89% | 34.61% | 36.55% | 38.09% | 40.32% | 44.79% | 47.75% | 51.79% | 47.44% | 53.52% | 50.58% |
| Operating Income | 140.72M | 141.09M | 137.04M | 142.69M | 112.94M | 126.02M | 125.89M | 126.5M | 97.45M | 90.39M | 105.03M | 82.97M | 78.55M | 104.53M | 121.08M | 118.08M | 109.4M | 107.48M | 110.7M | 115.19M |
| Operating Margin % | 33.37% | 33.6% | 32.44% | 34.97% | 29.02% | 31.06% | 30.24% | 29.74% | 25.29% | 23.82% | 27.22% | 21.85% | 22.9% | 33.37% | 41.77% | 42.79% | 41.7% | 46.39% | 45.78% | 44.74% |
| Operating Income Growth % | 24.61% | 11.96% | 8.86% | 12.8% | 15.89% | 39.43% | 19.86% | 52.47% | 24.06% | -13.53% | -13.25% | -29.74% | -28.2% | -2.74% | 9.37% | 2.51% | -32.77% | -14.7% | -26.29% | 182.01% |
| Pretax Income | 140.72M | 141.09M | 137.04M | 142.69M | 112.94M | 126.02M | 125.89M | 126.5M | 97.45M | 90.39M | 105.03M | 82.97M | 78.55M | 104.53M | 121.08M | 118.08M | 109.4M | 107.48M | 110.7M | 115.19M |
| Pretax Margin % | 33.37% | 33.6% | 32.44% | 34.97% | 29.02% | 31.06% | 30.24% | 29.74% | 25.29% | 23.82% | 27.22% | 21.85% | 22.9% | 33.37% | 41.77% | 42.79% | 41.7% | 46.39% | 45.78% | 44.74% |
| Income Tax | 30.23M | 32.74M | 31.01M | 32.86M | 25M | 31.65M | 26.67M | 35.72M | 23.14M | 24.45M | 24.91M | 20.34M | 18.13M | 22.31M | 28.52M | 28.02M | 27.71M | 25.53M | 29.02M | 26.86M |
| Effective Tax Rate % | 21.48% | 23.2% | 22.63% | 23.03% | 22.14% | 25.11% | 21.19% | 28.23% | 23.74% | 27.05% | 23.72% | 24.51% | 23.08% | 21.35% | 23.56% | 23.73% | 25.32% | 23.76% | 26.22% | 23.32% |
| Net Income | 110.49M | 108.36M | 106.03M | 109.83M | 87.94M | 94.38M | 99.21M | 90.78M | 74.31M | 65.93M | 80.11M | 62.63M | 60.42M | 82.22M | 92.56M | 90.07M | 81.7M | 81.94M | 81.68M | 88.33M |
| Net Margin % | 26.2% | 25.81% | 25.1% | 26.92% | 22.59% | 23.26% | 23.83% | 21.34% | 19.28% | 17.38% | 20.77% | 16.5% | 17.62% | 26.25% | 31.93% | 32.63% | 31.14% | 35.37% | 33.78% | 34.31% |
| Net Income Growth % | 25.65% | 14.81% | 6.87% | 20.98% | 18.33% | 43.14% | 23.84% | 44.94% | 22.99% | -19.81% | -13.44% | -30.46% | -26.04% | 0.34% | 13.31% | 1.97% | -34.62% | -13.09% | -29.67% | 174% |
| Net Income (Continuing) | 110.49M | 108.36M | 106.03M | 109.83M | 87.94M | 94.38M | 99.21M | 90.78M | 74.31M | 65.93M | 80.11M | 62.63M | 60.42M | 82.22M | 92.56M | 90.07M | 81.7M | 81.94M | 81.68M | 88.33M |
| EPS (Diluted) | 1.63 | 1.59 | 1.54 | 1.60 | 1.27 | 1.37 | 1.44 | 1.32 | 1.08 | 0.96 | 1.16 | 0.91 | 0.87 | 1.18 | 1.34 | 1.30 | 1.17 | 1.18 | 1.17 | 1.27 |
| EPS Growth % | 28.35% | 16.06% | 6.94% | 21.21% | 17.59% | 42.71% | 24.14% | 45.05% | 24.14% | -18.64% | -13.43% | -30% | -25.64% | 0% | 14.53% | 2.36% | -34.64% | -13.24% | -29.94% | 170.21% |
| EPS (Basic) | 1.63 | 1.59 | 1.55 | 1.60 | 1.28 | 1.37 | 1.44 | 1.32 | 1.08 | 0.96 | 1.16 | 0.91 | 0.87 | 1.19 | 1.34 | 1.30 | 1.18 | 1.18 | 1.18 | 1.27 |
| Diluted Shares Outstanding | 67.79M | 68.33M | 68.67M | 69.03M | 69.03M | 69.13M | 69.07M | 69.01M | 69.01M | 69.02M | 68.99M | 69.03M | 69.32M | 69.39M | 69.33M | 69.32M | 69.66M | 69.74M | 69.76M | 69.79M |