tradmap

ABCB Financials Ameris Bancorp

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
$0 $206M $412M 2011 2013 2015 2017 2019 2021 2023 2025
Net income
Return on equity & assets (ROE / ROA)
0% 6% 13% 2011 2013 2015 2017 2019 2021 2023 2025
ROEROA
Shareholders' equity (book value)
$0 $2B $4B 2011 2013 2015 2017 2019 2021 2023 2025
Equity
Free cash flow (CFO − capex)
-$952M $49M $1B $0 2011 2013 2015 2017 2019 2021 2023 2025
Free cash flow
Cash vs total debt
$0 $2B $4B 2011 2013 2015 2017 2019 2021 2023 2025
CashTotal debt
Cash flow: operating / investing / financing
-$5B -$1B $2B $0 2011 2013 2015 2017 2019 2021 2023 2025
OperatingInvestingFinancing

Key annual figures

FYRevenueNet incomeGross MOp MROEROAFCFTotal debtCash
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

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.

Price / earnings (P/E)
0.0 8.8 17.5 Mar '23 Sep '23 Mar '24 Sep '24 Mar '25 Sep '25 Mar '26 Sep '26
P/E
Dividend yield (%)
0.0 1.0 2.0 Mar '23 Sep '23 Mar '24 Sep '24 Mar '25 Sep '25 Mar '26 Sep '26
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.