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Ameris Bancorp Earnings Calls
| Release date | Apr 23, 2026 |
| EPS estimate | $1.54 |
| EPS actual | $1.63 |
| EPS Surprise | 5.84% |
| Revenue estimate | 309.317M |
| Revenue actual | 314.356M |
| Revenue Surprise | 1.63% |
| Release date | Jan 29, 2026 |
| EPS estimate | $1.56 |
| EPS actual | $1.59 |
| EPS Surprise | 1.92% |
| Revenue estimate | 310.406M |
| Revenue actual | 309.919M |
| Revenue Surprise | -0.157% |
| Release date | Oct 27, 2025 |
| EPS estimate | $1.47 |
| EPS actual | $1.53 |
| EPS Surprise | 4.08% |
| Revenue estimate | 306.325M |
| Revenue actual | 305.326M |
| Revenue Surprise | -0.326% |
| Release date | Jul 28, 2025 |
| EPS estimate | $1.35 |
| EPS actual | $1.60 |
| EPS Surprise | 18.52% |
| Revenue estimate | 297.369M |
| Revenue actual | 301.296M |
| Revenue Surprise | 1.32% |
Last 4 Quarters for Ameris Bancorp
Below you can see how ABCB performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Jul 28, 2025 |
| Price on release | $66.40 |
| EPS estimate | $1.35 |
| EPS actual | $1.60 |
| EPS surprise | 18.52% |
| Date | Price |
|---|---|
| Jul 22, 2025 | $66.87 |
| Jul 23, 2025 | $66.47 |
| Jul 24, 2025 | $65.68 |
| Jul 25, 2025 | $66.42 |
| Jul 28, 2025 | $66.40 |
| Jul 29, 2025 | $69.94 |
| Jul 30, 2025 | $68.63 |
| Jul 31, 2025 | $68.35 |
| Aug 01, 2025 | $65.91 |
| 4 days before | -0.703% |
| 4 days after | -0.738% |
| On release day | 5.33% |
| Change in period | -1.44% |
| Release date | Oct 27, 2025 |
| Price on release | $74.41 |
| EPS estimate | $1.47 |
| EPS actual | $1.53 |
| EPS surprise | 4.08% |
| Date | Price |
|---|---|
| Oct 21, 2025 | $73.26 |
| Oct 22, 2025 | $73.08 |
| Oct 23, 2025 | $72.48 |
| Oct 24, 2025 | $74.02 |
| Oct 27, 2025 | $74.41 |
| Oct 28, 2025 | $73.01 |
| Oct 29, 2025 | $72.36 |
| Oct 30, 2025 | $71.67 |
| Oct 31, 2025 | $71.62 |
| 4 days before | 1.57% |
| 4 days after | -3.75% |
| On release day | -1.88% |
| Change in period | -2.24% |
| Release date | Jan 29, 2026 |
| Price on release | $81.30 |
| EPS estimate | $1.56 |
| EPS actual | $1.59 |
| EPS surprise | 1.92% |
| Date | Price |
|---|---|
| Jan 23, 2026 | $80.44 |
| Jan 26, 2026 | $80.40 |
| Jan 27, 2026 | $80.21 |
| Jan 28, 2026 | $79.68 |
| Jan 29, 2026 | $81.30 |
| Jan 30, 2026 | $80.62 |
| Feb 02, 2026 | $79.89 |
| Feb 03, 2026 | $82.96 |
| Feb 04, 2026 | $84.15 |
| 4 days before | 1.07% |
| 4 days after | 3.51% |
| On release day | -0.84% |
| Change in period | 4.61% |
| Release date | Apr 23, 2026 |
| Price on release | $84.62 |
| EPS estimate | $1.54 |
| EPS actual | $1.63 |
| EPS surprise | 5.84% |
| Date | Price |
|---|---|
| Apr 17, 2026 | $85.28 |
| Apr 20, 2026 | $85.43 |
| Apr 21, 2026 | $84.45 |
| Apr 22, 2026 | $83.85 |
| Apr 23, 2026 | $84.62 |
| Apr 24, 2026 | $84.89 |
| Apr 27, 2026 | $85.12 |
| Apr 28, 2026 | $85.66 |
| Apr 29, 2026 | $84.32 |
| 4 days before | -0.774% |
| 4 days after | -0.355% |
| On release day | 0.319% |
| Change in period | -1.13% |
Ameris Bancorp Earnings Call Transcript Summary of Q1 2026
Ameris Bancorp reported a strong start to 2026 with solid core profitability, balanced growth, and active capital deployment. Key financials: Q1 net income $110.5M ($1.63/sh), ROA 1.62%, PPNR ROA 2.30%, ROTCE ~14.8%, tangible book value $44.79 (+12.5% YoY). Loans, deposits and earning assets all grew (loans +~5.9% annualized, earning assets +9.7% annualized) with loan production of $2.2B and a robust loan pipeline (~$2.8B). Net interest margin was 3.88% (up 3 bps), though management expects modest margin compression (a few bps per quarter, ~5–10 bps over coming quarters) as deposit costs rise while funding growth. Noninterest income rose (notably mortgage and equipment finance fees) and the efficiency ratio improved to ~50% (49.97%). Credit quality stayed stable: allowance 1.62% of loans, NCOs ~21 bps annualized, classified/criticized assets well below peers. Capital remains ample (CET1 ~13%, TCE >11%); the company repurchased $74.9M of stock (1.4% of shares) in Q1 and has ~$84M remaining authorization. Management reiterates focus on disciplined, relationship-driven core deposit growth (noninterest-bearing deposits recovered to ~30% of total) as the governor of sustainable loan growth (mid-single-digit guidance), with M&A low priority given strong organic opportunities.
