15 years of revenue, profit, cash flow and balance-sheet history through FY2025,
from SEC filings — with a computed, factual read of the trend.
Updated Overview →
Growth & profitability
Free cash flow has declined 13.9% per year over the past 5 years.
Shareholder returns
Dividends have been paid for 12 consecutive years, consuming 13.4% of earnings and 14.9% of free cash flow.
The dividend has grown 5.8% per year over the past 5 years.
Net income
Net income
Return on equity & assets (ROE / ROA)
ROEROA
Shareholders' equity (book value)
Equity
Free cash flow (CFO − capex)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key annual figures
FY
Revenue
Net income
Gross M
Op M
ROE
ROA
FCF
Total debt
Cash
2025
—
$412M
—
—
10.1%
1.5%
$370M
—
$1.1B
2024
—
$359M
—
—
9.6%
1.4%
$141M
—
$1.2B
2023
—
$269M
—
—
7.9%
1.1%
$551M
—
$1.2B
2022
—
$347M
—
—
10.8%
1.4%
$1.0B
—
$1.1B
2021
—
$377M
—
—
12.7%
1.6%
-$16M
—
$4.1B
2020
—
$262M
—
—
9.9%
1.3%
$780M
—
$2.1B
2019
—
$161M
—
—
6.5%
0.9%
-$952M
—
$622M
2018
—
$121M
—
—
8.3%
1.1%
-$119M
—
$680M
2017
—
$74M
—
—
9.1%
0.9%
-$66M
—
$331M
2016
—
$72M
—
—
11.2%
1.0%
-$81M
—
$198M
2015
—
$41M
—
—
7.9%
0.7%
-$38M
—
—
2014
—
$39M
—
—
10.6%
1.0%
—
—
—
2013
—
$20M
—
—
6.3%
0.5%
$28M
—
—
2012
—
$14M
—
—
5.2%
0.5%
$23M
—
—
2011
—
$21M
—
—
7.2%
0.7%
$34M
—
—
Net income
Net income
Return on equity & assets (ROE / ROA)
ROEROA
Shareholders' equity (book value)
Equity
Free cash flow (CFO − capex, quarterly)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key quarterly figures
Quarter
Revenue
Net income
Gross M
Op M
ROE
ROA
FCF
Total debt
Cash
Jun '26
—
$51M
—
—
1.3%
0.2%
$71M
—
$1.2B
Mar '26
—
$110M
—
—
2.7%
0.4%
$249M
—
$1.3B
Dec '25
—
$108M
—
—
2.7%
0.4%
$101M
—
$1.1B
Sep '25
—
$106M
—
—
2.6%
0.4%
$101M
—
$1.0B
Jun '25
—
$110M
—
—
2.8%
0.4%
$54M
—
$1.2B
Mar '25
—
$88M
—
—
2.3%
0.3%
$114M
—
$1.3B
Dec '24
—
$94M
—
—
2.5%
0.4%
$126M
—
$1.2B
Sep '24
—
$99M
—
—
2.7%
0.4%
$100M
—
$1.4B
Jun '24
—
$91M
—
—
2.5%
0.3%
-$100M
—
$1.4B
Mar '24
—
$74M
—
—
2.1%
0.3%
$15M
—
$1.2B
Dec '23
—
$66M
—
—
1.9%
0.3%
$207M
—
$1.2B
Sep '23
—
$80M
—
—
2.4%
0.3%
$128M
—
$1.5B
Jun '23
—
$63M
—
—
1.9%
0.2%
$88M
—
$1.3B
Mar '23
—
$60M
—
—
1.9%
0.2%
$128M
—
$2.0B
Dec '22
—
$82M
—
—
2.6%
0.3%
-$3M
—
$1.1B
Sep '22
—
$93M
—
—
3.0%
0.4%
$346M
—
$1.3B
Jun '22
—
$90M
—
—
2.9%
0.4%
$349M
—
$2.3B
Mar '22
—
$82M
—
—
2.7%
0.3%
$357M
—
$3.8B
Dec '21
—
$82M
—
—
2.8%
0.3%
$263M
—
$4.1B
Sep '21
—
$82M
—
—
2.8%
0.4%
-$170M
—
$3.8B
Valuation over time
How the market has priced ABCB against its own fundamentals since 2023-03 —
each month-end's share price set against the most recent annual filing, so the multiple moves
as price runs ahead of (or behind) earnings. Split-adjusted.
The price-to-earnings ratio has risen from 7.1× (Mar '23) to 14.0× (Sep '26).
The dividend yield has fallen from 1.7% (Mar '23) to 1.0% (Sep '26).
Price / earnings (P/E)
P/E
Dividend yield (%)
Dividend yield %
Frequently asked questions
Is ABCB growing its revenue and profit?
See the revenue and net-income charts above for Ameris Bancorp's multi-year trend.
How much debt does ABCB have?
As of FY2025, Ameris Bancorp reported — of total debt against $1.1B of cash.
What is ABCB's profit margin?
In FY2025, gross margin was —, operating margin —, and net margin —.
What is ABCB's P/E ratio?
As of Sep '26, Ameris Bancorp traded at a price-to-earnings ratio of about 14.0× (market cap ÷ latest annual net income). The valuation charts above show how its P/E and dividend yield have moved with the share price. These are computed facts, not advice.
Where does this data come from?
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted ·
growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price
against the latest annual filing. Informational only — not investment advice.