Ameris Bancorp (ABCB) Q4 FY2025 earnings: revenue $307 million, up 5.6% on the year

Ameris Bancorp (ABCB) reported revenue of $307 million for Q4 FY2025, the quarter ended 31 December 2025, up 5.6% on the same quarter a year earlier. Net income was $108 million, up 14.8% on the year, and diluted earnings per share $1.59. The figures are the company's own, from the 10-K it filed with the SEC on 26 February 2026.

Revenue$307 millionup 5.6%

Net income$108 millionup 14.8%

Diluted EPS$1.59

QuarterQ4 FY2025ended 31 December 2025

The quarter, against the one before and a year earlier

Line	Q4 FY2025	Q3 FY2025	Q4 FY2024	Change on the year
Revenue	307	314	291	+5.6%
Pre-tax income	141	137	126	+12.0%
Income tax	32.7	31.0	31.6	+3.4%
Effective tax rate	23.2%	22.6%	25.1%
Net income	108	106	94.4	+14.8%
Net margin	35.3%	33.7%	32.5%
Diluted EPS	$1.59	$1.54	$1.37	+16.1%

$ million except per share.

Fourth quarters are the year less the first three quarters. Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Those four are arithmetic on the filed numbers; everything else is as filed. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and share counts are as they are.

Cash flow and capital returned

Line	Q4 FY2025	Q3 FY2025	Q4 FY2024	Change on the year
Operating cash flow	107	105	131	-18.0%
Capital expenditure	5.8	4.4	4.4	+33.2%
Free cash flow	101	101	126	-19.7%
Cash from investing	-375	-466	-46.3	n/a
Cash from financing	313	234	-223	n/a
Depreciation and amortisation	6.3	6.9	9.1	-30.8%
Share-based compensation	3.0	3.2	4.1	-26.9%
Dividends paid	13.7	13.7	10.3	+32.5%
Dividend per share	n/a	$0.20	n/a	n/a
Diluted shares, weighted	69m	69m	69m	-0.5%
Shares outstanding at period end	68m	68m	69m	-1.7%

Cash flow lines for the quarter; where the company files them year to date, the quarter is the difference between two filings.

Balance sheet at quarter end

Line	Q4 FY2025	Q3 FY2025	Q4 FY2024	Change on the year
Shareholders' equity	4,076	4,017	3,752	+8.6%
Deposits	22,376	22,228	21,722	+3.0%
Other liabilities	1,064	855	788	+35.0%
Total liabilities and equity	27,516	27,100	26,262	+4.8%
Fixed assets	213	212	209	+1.7%
Goodwill	1,016	1,016	1,016	+0.0%
Intangible assets	54.8	n/a	70.8	-22.5%
Securities held for sale or to maturity	2,410	2,334	1,836	+31.3%
Loans	21,165	20,913	20,402	+3.7%
Cash and equivalents	1,089	1,043	1,220	-10.8%
Other assets	1,568	1,582	1,508	+3.9%
Total assets	27,516	27,100	26,262	+4.8%

Questions

What was Ameris Bancorp's revenue in Q4 FY2025?

Ameris Bancorp (ABCB) reported revenue of $307 million for Q4 FY2025, the quarter ended 31 December 2025, up 5.6% on the same quarter a year earlier.

How much did Ameris Bancorp earn in Q4 FY2025?

Net income for Q4 FY2025 was $108 million, up 14.8% on the year, and diluted earnings per share $1.59.

When did Ameris Bancorp report Q4 FY2025 results?

Ameris Bancorp filed its 10-K for the year that ended with the quarter on 26 February 2026; the fourth quarter is the year less the first three.

Quarterly results, the last 12 quarters

	Q3 FY2023	Q4 FY2023 *	Q1 FY2024	Q2 FY2024	Q3 FY2024	Q4 FY2024 *	Q1 FY2025	Q2 FY2025	Q3 FY2025	Q4 FY2025 *	Q1 FY2026	Q2 FY2026
Revenue	271	262	267	301	284	291	286	301	314	307	314	326
Interest expense	123	126	128	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Pre-tax income	105	90.4	97.5	127	126	126	113	143	137	141	141	66.0
Tax rate	24%	27%	24%	28%	21%	25%	22%	23%	23%	23%	21%	22%
Net income	80.1	65.9	74.3	90.8	99.2	94.4	87.9	110	106	108	110	51.4
Net margin	30%	25%	28%	30%	35%	32%	31%	37%	34%	35%	35%	16%
Diluted EPS	$1.16	$0.96	$1.08	$1.32	$1.44	$1.37	$1.27	$1.60	$1.54	$1.59	$1.63	$0.77
Operating cash flow	132	213	18.6	-97.1	102	131	117	61.4	105	107	257	79.4
Capital expenditure	3.8	5.9	3.4	3.3	2.4	4.4	2.7	7.7	4.4	5.8	7.7	8.6
Free cash flow	128	207	15.1	-100	99.8	126	114	53.7	101	101	249	70.8
Dividends paid	10.3	10.3	10.5	10.3	10.3	10.3	14.1	13.7	13.7	13.7	14.0	13.4
Shares outstanding	69m	69m	69m	69m	69m	69m	69m	69m	68m	68m	67m	67m
Filing	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q

Each quarter as filed, linked to its filing.

* The fourth quarter is the full year less the first three quarters, because the company files the year and not the quarter on its own. A fourth quarter's EPS and diluted share count are from the company's results press release for that quarter, used where the release gives the same revenue and net income as the table. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and the share count are as they are. Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Cash flow lines filed year to date are the difference between two filings. Shares outstanding are at the period end where the balance sheet tags them, otherwise the count on the filing's cover page. A derived fourth-quarter EPS is left blank when a split in the year makes the arithmetic meaningless.

Source

10-K for the period ended 31 December 2025, filed 26 February 2026, accession 0000351569-26-000050: the filing on EDGAR. All of Ameris Bancorp's filings: EDGAR company page.

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