Ameris Bancorp (ABCB)

From the record

Ameris Bancorp's filings since 2017 show 4 warning events of 3 kinds: a notice about its exchange listing (8-K item 3.01, the latest 2024-07-12); an auditor change (8-K item 4.01, 2 times, the latest 2021-06-30); a late-report notice (Form NT 10-K or NT 10-Q, the latest 2020-03-03) (its current reports).

From the record

Ameris Bancorp's 10 filed years say what it did: revenue went from $239 million in fiscal 2016 to $1.4 billion in fiscal 2025, up 21.6% a year; it rose in 8 of 9 years; the deepest fall was 3% from fiscal 2020 to fiscal 2021; net income was positive in 10 of 10 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2025-12-31, Ameris Bancorp's diluted share count shrank about 0.3% a year, and dividends and buybacks returned about 12% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 7 sales and 1 purchase of their own stock on the open market in the year to 2026-10-30, buying about $24 thousand (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, Ameris Bancorp earned about 10 cents of profit for every dollar of shareholders' money. Leverage: it owed about 85 cents per dollar of assets, and net share issuance: its share count shrank 0.5% over the year (the filed statements).

From the record

Ameris Bancorp's standing among 155 graded names in its industry family: revenue of $1.4 billion in fiscal 2025 ranks in the top 15% by size; a net margin of 29.6% ranks in the top 18%; revenue growth of 16% a year over the last 3 filed years ranks in the bottom 40% (its annual reports).

From the record

Ameris Bancorp's leadership, from its insiders' filings and its current reports: the chief executive on the record is Proctor, H Palmer Jr (CEO, as filed), filing under that title since 2019-07-11, 7.3 years (bottom 44% of its family); the 19 officers and directors filing in the last fifteen months have been on the record a median of 7.3 years (bottom 49%); 2 officer or director changes were reported on Form 8-K since 2023-11-13, against the 19 people in charge now (top 11%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

Ameris Bancorp's room to grow, from the newest filed statements (fiscal 2025): cash of $1.1 billion against no long-term debt tagged leaves 4% of its assets as net cash, top 40% of its family; cash from operations less capital spending is 26.5% of revenue (top 39%) (its annual report).

From the record

Ameris Bancorp's growth drivers, from the filed years to fiscal 2025: revenue grew 16% a year over the last three filed years against 21.6% over all 10, slowing (bottom 8% of its family); the newest year grew 1.2% (bottom 29%); capital spending grew 14.8% a year (top 38%) (its annual reports). Ameris Bancorp tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

From the record

Ameris Bancorp's newest year against its own record: revenue of $1.4 billion in fiscal 2025 came in 18.5% below the $1.7 billion its prior three years' pace pointed to (bottom 37% of its family); net income of $412 million against a prior three-year average of $325 million (top 26%); a net margin of 29.6% against 28.6% before (top 18%) (its annual reports).