Ameris Bancorp (ABCB) FY2025 10-K Annual Report
Ameris Bancorp (ABCB) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 26, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
Ameris Bancorp FY2025 10-K Analysis
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
Ameris Bancorp FY2025 Key Financial MetricsXBRL
Revenue
$1.4B
▲ +1.2% YoY
Net Income
$412M
▲ +14.9% YoY
Net Margin
29.6%
▲ +353bp YoY
ROE
10.1%
▲ +55bp YoY
Total Assets
$27.5B
▲ +4.8% YoY
EPS (Diluted)
$6.00
▲ +15.6% YoY
Operating Cash Flow
$390M
▲ +153.0% YoY
Source: XBRL data from Ameris Bancorp FY2025 10-K filing on SEC EDGAR. All figures in USD.
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