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
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
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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