Ameris Ban Earnings Calls

Q1 2025 Beat
$1.28 (11.30%)
Release date Apr 28, 2025
EPS estimate $1.15
EPS actual $1.28
EPS Surprise 11.30%
Revenue estimate 276.825M
Revenue actual 285.862M
Revenue Surprise 3.26%
Q4 2024 Beat
$1.38 (15.00%)
Release date Jan 30, 2025
EPS estimate $1.20
EPS actual $1.38
EPS Surprise 15.00%
Revenue estimate 276.189M
Revenue actual 290.78M
Revenue Surprise 5.28%
Q3 2024 Beat
$1.38 (9.52%)
Release date Oct 24, 2024
EPS estimate $1.26
EPS actual $1.38
EPS Surprise 9.52%
Revenue estimate 286.86M
Revenue actual 284.74M
Revenue Surprise -0.739%
Q2 2024 Beat
$1.17 (2.63%)
Release date Jul 25, 2024
EPS estimate $1.14
EPS actual $1.17
EPS Surprise 2.63%
Revenue estimate 272.81M
Revenue actual 290M
Revenue Surprise 6.30%

Last 4 Quarters for Ameris Ban

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.

Q2 2024 Beat
Release date Jul 25, 2024
Fiscal end date Jun 30, 2024
Price on release $60.88
EPS estimate $1.14
EPS actual $1.17
EPS surprise 2.63%
Date Price
Jul 19, 2024 $58.62
Jul 22, 2024 $60.00
Jul 23, 2024 $61.05
Jul 24, 2024 $59.56
Jul 25, 2024 $60.88
Jul 26, 2024 $61.71
Jul 29, 2024 $61.00
Jul 30, 2024 $60.98
Jul 31, 2024 $60.89
4 days before 3.86%
4 days after 0.0164%
On release day 1.36%
Change in period 3.87%
Q3 2024 Beat
Release date Oct 24, 2024
Fiscal end date Sep 30, 2024
Price on release $63.03
EPS estimate $1.26
EPS actual $1.38
EPS surprise 9.52%
Date Price
Oct 18, 2024 $64.85
Oct 21, 2024 $62.41
Oct 22, 2024 $62.89
Oct 23, 2024 $62.72
Oct 24, 2024 $63.03
Oct 25, 2024 $61.25
Oct 28, 2024 $63.18
Oct 29, 2024 $62.29
Oct 30, 2024 $63.01
4 days before -2.81%
4 days after -0.0317%
On release day -2.82%
Change in period -2.84%
Q4 2024 Beat
Release date Jan 30, 2025
Fiscal end date Dec 30, 2024
Price on release $65.57
EPS estimate $1.20
EPS actual $1.38
EPS surprise 15.00%
Date Price
Jan 24, 2025 $64.41
Jan 27, 2025 $65.10
Jan 28, 2025 $64.96
Jan 29, 2025 $65.21
Jan 30, 2025 $65.57
Jan 31, 2025 $65.65
Feb 03, 2025 $64.23
Feb 04, 2025 $66.90
Feb 05, 2025 $67.83
4 days before 1.80%
4 days after 3.45%
On release day 0.122%
Change in period 5.31%
Q1 2025 Beat
Release date Apr 28, 2025
Fiscal end date Mar 30, 2025
Price on release $56.96
EPS estimate $1.15
EPS actual $1.28
EPS surprise 11.30%
Date Price
Apr 22, 2025 $54.01
Apr 23, 2025 $55.51
Apr 24, 2025 $56.80
Apr 25, 2025 $56.02
Apr 28, 2025 $56.96
Apr 29, 2025 $59.00
Apr 30, 2025 $58.60
May 01, 2025 $58.94
May 02, 2025 $60.48
4 days before 5.46%
4 days after 6.18%
On release day 3.58%
Change in period 11.98%

Ameris Ban Earnings Call Transcript Summary of Q1 2025

Summary of Ameris Bancorp First Quarter Earnings Call: Key Points for Investors

1. Strong Financial Performance:

  • Ameris Bancorp reported a net income of $87.9 million for Q1 2025, equating to $1.27 per diluted share—a 17% increase year-over-year, primarily driven by a $20 million rise in net interest income.

2. Profitability Metrics:

  • The company achieved a return on assets (ROA) of 1.36%, with a pre-provision net revenue (PPNR) ROA of 2.08%, continuing to demonstrate strong profitability with an adjusted return on tangible common equity of 13.16%.

3. Asset and Margin Management:

  • The net interest margin expanded to 3.73%, supported by a 30% non-interest bearing deposit ratio and strategic management of asset mix and duration.
  • Loan balances remained stable as the company cautiously evaluates economic conditions, with a strategic aim to lower the loan-to-deposit ratio.

4. Capital Position:

  • Common equity Tier 1 ratio increased to 12.9%, with tangible common equity (TCE) at 10.8%. The tangible book value per share rose to $39.78, reflecting strong capital growth.
  • The bank initiated a share buyback, repurchasing approximately $15 million in stock during the quarter.

5. Deposit Growth and Loan Production:

  • Deposits grew by $190 million, equivalent to a 4% annualized rate, with a significant increase in non-interest bearing deposits (15% annualized).
  • The company expects mid-single-digit loan and deposit growth for the year, with a stronger emphasis on the second half.

6. Expense Management:

  • Total non-interest expenses decreased by $915,000, resulting in an improved efficiency ratio of 52.83%. The focus on cost control despite seasonally higher expenses highlighted effective management.

7. Credit Quality and Reserve Build:

  • The bank recorded a $21.9 million provision for credit losses, raising reserves to 1.67% of loans. Non-performing assets improved, but the reserve build was driven by anticipated economic uncertainties, particularly related to tariffs and their effects on the economy.

8. Future Outlook:

  • The management remains optimistic about growth opportunities, citing a well-capitalized position and a robust core deposit base. They emphasize a conservative approach to new growth initiatives amid economic uncertainty but express readiness to act once conditions become favorable.

9. Strategic Directions:

  • Leadership emphasized a balanced approach to growth—prioritizing profitability over aggressive expansion in uncertain market conditions. They will leverage existing capabilities and improve efficiency instead of aggressively hiring or expanding the loan portfolio in the current environment.

This call reflects a solid operational strategy from Ameris Bancorp, balancing growth, efficiency, and risk management amidst a complex economic backdrop, making it a company to watch for investors looking for stable performance.

Ameris Ban Earnings History

Earnings Calendar

FAQ

When is the earnings report for ABCB?
Ameris Bancorp (ABCB) has scheduled its earnings report for Jul 24, 2025 after the markets close.

What is the ABCB price-to-earnings (P/E) ratio?
ABCB P/E ratio as of May 16, 2025 (TTM) is 11.65.

What is the ABCB EPS forecast?
The forecasted EPS (Earnings Per Share) for Ameris Bancorp (ABCB) for the first fiscal quarter 2025 is $1.35.

What are Ameris Bancorp's retained earnings?
On its balance sheet, Ameris Bancorp reported retained earnings of $285.86 million for the latest quarter ending Mar 30, 2025.

What Is an Earnings Report?
An earnings report is usually issued quarterly (Q1, Q2, Q3 & Q4) by public companies to report their performance. Earnings reports typically include net income, earnings per share, earnings from continuing operations, and net sales. Looking at the earnings report investors can start gauge the financial health of the company and make even better decisions whether to buy, sell, or stay in the company. Fundamental analysts and value investors will typically hunt for stocks that continue to show good financial ratios and use a decline as an exit point. One of the most anticipated numbers for analysis is earnings per share because it indicates how much the company earned for its shareholders. The report will also indicate a possible dividend.

Earnings Report Content
Earnings reports generally provide an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. These figures are typically measured against previous quarters/years. Furthermore, the earnings report usually includes a summary and analysis from the CEO or company spokesman, alongside a more general view of the financials and future forecast.

What To Know About Earnings Reports?
Announcement of earnings for a stock, particularly for well followed large-capitalization stocks, can move the market. Stock prices can fluctuate wildly on days when the quarterly earnings report is released. Despite good reports, stocks may very well fall if the investors were expecting more or they believe the next quarter will not be as good. Investors always try to be ahead of the market and future earnings/losses are often discounted into the current price of the stock. It is natural for stocks to start to move in either direction a few days before the release of an earnings report.
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ABOUT AMERIS BANCORP
Ameris Ban
Ameris Bancorp operates as the bank holding company for Ameris Bank that provides range of banking services to retail and commercial customers primarily in Georgia, Alabama, Florida, North Carolina, and South Carolina. The company operates through five segments: Banking Division, Retail Mortgage Division, Warehouse Lending Division, SBA Division, and Premium Finance Division. It offers commercial and retail checking, regular interest-bearing savi...
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