ABCB at a glance
Ameris Bancorp (ABCB, SEC CIK 351569) filed its latest 10-K annual report on February 26, 2026, a 10-Q quarterly report on August 7, 2026, an 8-K current report on July 23, 2026 and Form 4 insider filings as recently as September 16, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), Ameris Bancorp (ABCB) reported revenue of $1.4 billion (up 1.2% from FY2024) and net income of $412.2 million. Diluted EPS was $6.00.
- As of June 30, 2026, 33 institutional investment managers tracked by SignalX reported holding Ameris Bancorp (ABCB) shares worth $3.2 billion in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by HILL LEO J on March 9, 2026 of 0 shares at $75.15 per share.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $1.4B
- +1.2% vs prior year
- Insiders · 90 days
- 0 buys · 0 sells
- No open-market trades
- 13F holders
- 33 funds
- $3.2B · −1 vs prior quarter
- Latest 8-K
- Jul 23, 2026
- Item 2.02 · Item 7.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business: Regional banking services including deposit taking, lending, and treasury management
- Share repurchase program extended and increased to $200M authorized through October 31, 2026
- $40.8M spent repurchasing 563,798 shares at average price $72.36 during Q4 2025
- Total shareholder return 108% since 12/31/2020 vs 70% NYSE Composite and 53% KBW Regional Banking Index
- No new products or segments introduced; focus on capital return and shareholder value boosting
Risk Factors
- Cybersecurity risk oversight by Board/Enterprise Risk Committee with established reporting thresholds for incidents
- CISO with 18+ years IT/security experience leads security program including detection, protection, and recovery from cyberattacks
- Coordination between CISO and Business Continuity Director for incident response and business resilience planning
- Dual defense structure: first line operates controls, second line provides oversight and monitoring of cybersecurity activities
Management Discussion & Analysis
- Revenue: Net interest income $940.7M in 2025, up 10.3% from $853.0M in 2024; total noninterest income $271.0M, down 7.6% from $293.3M
- Profitability: Net income $412.2M in 2025, up 14.9% from $358.7M; net interest margin 3.79% vs 3.56% in 2024; ROA 1.54% vs 1.38%, ROE 10.52% vs 10.01%
- Best segment: Equipment finance income up 41.1% to $30.6M; Worst: Mortgage banking income down 8.4% to $147.0M
- Capital allocation: Share repurchases $77.1M (1.16M shares); FDIC insurance expense down $5.1M to $10.4M; capex not disclosed
- Outlook / Risks: Increased provision for credit losses $70.2M reflecting economic forecasts and loan growth; management notes sensitivity to economic scenarios for allowance estimates
AI summary of the ABCB 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Net income $51.4M vs $109.8M YoY, down 53.2%; ROA 0.73% vs 1.65%
- Net interest margin 3.88% vs 3.77%; net interest income $253.4M vs $232.7M
- Best segment Banking net income $24.9M; worst Retail Mortgage $12.9M vs $15.6M YoY
- Provision for credit losses $17.3M vs $2.8M; net charge-offs 0.20% vs 0.14%
- Litigation accrual $82.5M; mortgage production $1.15B vs $1.27B and pipeline $609.3M vs $719.1M
Risk Factors
- No risk-factors section provided; submitted text covers equity repurchases, defaults, disclosures, exhibits, and signatures
- Repurchase authorization through October 31, 2026, with $65.4 million remaining
- Regulatory risk: repurchases subject to applicable securities laws and regulatory limitations
- Market risk: repurchase timing and volume depend on share price and market conditions
- Capital allocation risk: $134.6 million spent repurchasing 1,740,798 shares under the renewed program
AI summary of the ABCB 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 2.02: Results of Operations and Financial Condition
- Q2 2026 unaudited financial results released for quarter ended June 30, 2026
- Full operating results and key metrics available in Exhibit 99.1 press release
Item 7.01: Regulation FD Disclosure
- Investor presentation covering Ameris Bancorp earnings scheduled for July 24, 2026 at 9:00 a.m. Eastern
- Exhibit 99.2 provides the presentation materials for investor review
Item EX-99.1: Item EX-99.1
- Q2 2026 adjusted EPS $1.60, broadly stable year over year despite $82.5M litigation accrual
- GAAP net income fell to $51.4M from $109.8M, making litigation resolution the key earnings overhang
Item 5.03: Amendments to Articles of Incorporation or Bylaws
- Bylaws amended June 18, 2026, adding exclusive forum provisions
- Georgia State-wide Business Court designated for certain legal claims
Item 8.01: Other Events
- Jury verdict against Ameris Bank: $16.525 million economic and non-economic damages plus statutory penalties
- Approximately $62.9 million punitive damages, creating potentially material earnings, capital and liquidity pressure
AI summaries of ABCB 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for ABCB
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Bullard Rodney D | A | Sep 14, 2026 | 220.632 | $84.98 |
| STERN WILLIAM H | A | Sep 14, 2026 | 279.468 | $84.98 |
| Strange Douglas D | G | Aug 19, 2026 | 120 | - |
| MILLER JAMES B JR | G | Aug 18, 2026 | 22,279.16 | - |
| MILLER JAMES B JR | G | Aug 18, 2026 | 22,279.16 | - |
| Bullard Rodney D | A | Jun 22, 2026 | 214.346 | $87.48 |
| STERN WILLIAM H | A | Jun 22, 2026 | 271.505 | $87.48 |
| PROCTOR H PALMER JR | G | May 6, 2026 | 8,906 | - |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $1.3B | $1.4B | $1.4B |
| Net Income | $269.1M | $358.7M | $412.2M |
| Net Margin | 21.0% | 26.0% | 29.6% |
| Balance Sheet | |||
| Total Assets | $25.2B | $26.3B | $27.5B |
| Equity | $3.4B | $3.8B | $4.1B |
| ROE | 7.9% | 9.6% | 10.1% |
| Per Share | |||
| EPS | - | $5.19 | $6.00 |
| Cash Flow | |||
| Operating CF | $569.0M | $154.2M | $390.2M |
| CapEx | $17.5M | $13.5M | $20.5M |
Source: XBRL data in Ameris Bancorp (ABCB)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate ABCB share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 33 | $3.19B |
| Q1 2026 | 34 | $2.63B |
| Q4 2025 | 32 | $2.48B |
| Q3 2025 | 31 | $2.52B |
| Q2 2025 | 30 | $2.12B |
| Q1 2025 | 27 | $1.28B |
| Q4 2024 | 20 | $1.26B |
| Q3 2024 | 17 | $791.1M |
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Source: 13F-HR filings on SEC EDGAR (aggregated from 224 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
ABCB filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Sep 16, 2026 | - | - | - |
| 4 | Sep 16, 2026 | - | - | - |
| 4 | Aug 19, 2026 | - | - | - |
| 4 | Aug 19, 2026 | - | - | - |
| 10-Q | Aug 7, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Jul 23, 2026 | - | Analysis | - |
| 4 | Jun 24, 2026 | - | - | - |
| 4 | Jun 24, 2026 | - | - | - |
| 8-K | Jun 18, 2026 | - | Analysis | - |
| 8-K | Jun 12, 2026 | - | Analysis | - |
| 8-K | May 26, 2026 | - | Analysis | |
| SC 13G | May 15, 2026 | - | - | |
| 4 | May 8, 2026 | - | - | |
| 10-Q | May 8, 2026 | Mar 31, 2026 | Analysis | |
| 4 | Apr 30, 2026 | - | - | - |
| SC 13G | Apr 29, 2026 | - | - | |
| SC 13G | Apr 28, 2026 | - | - | |
| 8-K | Apr 23, 2026 | - | Analysis | - |
| 4 | Mar 10, 2026 | - | - | - |
| 4 | Mar 10, 2026 | - | - | - |
| 4 | Feb 26, 2026 | - | - | - |
| 10-K | Feb 26, 2026 | Dec 31, 2025 | Analysis | |
| 4 | Feb 26, 2026 | - | - | - |
| 4 | Feb 26, 2026 | - | - | - |
| 4 | Feb 26, 2026 | - | - | - |
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ABCB SEC filings: frequently asked questions
Which institutions hold ABCB stock?
As of June 30, 2026, the largest Ameris Bancorp (ABCB) holders among the 13F filers tracked by SignalX were BlackRock ($881.8 million), Dimensional Fund Advisors ($352.1 million), Vanguard Portfolio Management LLC ($335.4 million), State Street Corp ($315.7 million), Invesco Ltd ($279.1 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was ABCB's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), Ameris Bancorp (ABCB) reported revenue of $1.4 billion (up 1.2% from FY2024) and net income of $412.2 million. Diluted EPS was $6.00. The figures come from the XBRL data in the 10-K.
What are the main risks in ABCB's latest 10-K?
In the 10-K filed February 26, 2026, Ameris Bancorp (ABCB) flagged: Cybersecurity risk oversight by Board/Enterprise Risk Committee with established reporting thresholds for incidents. CISO with 18+ years IT/security experience leads security program including detection, protection, and recovery from cyberattacks. (AI summary of the Risk Factors section.)
What did ABCB report in its latest 8-K?
Ameris Bancorp (ABCB) filed an 8-K on July 23, 2026 reporting Item 2.02 (Results of Operations and Financial Condition) and Item 7.01 (Regulation FD Disclosure). Q2 2026 unaudited financial results released for quarter ended June 30, 2026.
What are the latest ABCB SEC filings?
Ameris Bancorp (ABCB) filed its latest 10-K annual report on February 26, 2026, a 10-Q quarterly report on August 7, 2026, an 8-K current report on July 23, 2026 and a Form 4 insider filing on September 16, 2026.
What is ABCB's SEC CIK number?
Ameris Bancorp (ABCB)'s SEC Central Index Key (CIK) is 351569. EDGAR lists every ABCB filing under that number.
Ask anything about ABCB
The research agent reads ABCB's filings, financials, insider trades and 13F holders, then answers with sources.