ABCB Ameris Bancorp
FY2025 10-K
Ameris Bancorp (ABCB) filed its fiscal year 2025 10-K annual report with the SEC on Feb 26, 2026. This page provides AI-powered analysis of the filing, including business overview, management discussion, risk factors, and key financial metrics from XBRL data.
AI Filing AnalysisFY2025 10-K
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
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%
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
Financial SummaryXBRL
Revenue
$1.4B
Net Income
$412M
Net Margin
29.6%
ROE
10.1%
Total Assets
$27.5B
EPS (Diluted)
$6.00
Operating Cash Flow
$390M
Source: XBRL data from Ameris Bancorp FY2025 10-K filing on SEC EDGAR. All figures in USD.
Get deeper insights on Ameris Bancorp
Access full AI analysis, insider trading data, fund holdings, and cross-signal detection on SignalX.