Short answer
Ameris Bancorp (ABCB) filed its fiscal 2025 10-K annual report with the SEC on Feb 26, 2026. It reported revenue of $1.4B (+1.2% year over year) and net income of $412M.
- Top risk flagged: Cybersecurity risk oversight by Board/Enterprise Risk Committee with established reporting thresholds for incidents
FY2025 key financial metrics · XBRL
- Revenue
- $1.4B
- +1.2% YoY
- Net income
- $412M
- +14.9% YoY
- EPS (diluted)
- $6.00
- +15.6% YoY
- ROE
- 10.1%
- +0.6 pp YoY
- Operating cash flow
- $390M
- +153.0% YoY
Source: XBRL data from the Ameris Bancorp (ABCB) FY2025 10-K on SEC EDGAR. USD.
Ameris Bancorp FY2025 10-K analysis
AI summary of each section, grounded in the filing text
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
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
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
Generated from the filing text; verify against the original. How to read a 10-K
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