📈 Price History

Ratio Health

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📊 Sector Averages

About

Ameris Bancorp operates as the bank holding company for Ameris Bank that provides various banking services to retail and commercial customers.

Key Ratios Snapshot

📈 Growth Pattern

⚡ Latest Quarter —

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📊 Quick Scorecard

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⭐ Superinvestors Holding ABCB

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Manager	Shares	Value	% of Fund	Period
Jim Simons Renaissance Technologies LLC	44.1K	$3.4M	0.01%	Mar 2026

SEC Form 13F data. 45-day lag from quarter end.

🔍 Concall Decoded

🎙 Management Tone Tracker Confident Specific → Stable 4 quarters analysed

Q2 2025

Confident Specific

Management repeatedly cited precise metrics (ROA 1.65%, efficiency ratio 51.63%, NIM 3.77%, tangible book value $41.32/share, 64 new revenue generators) and gave clear guidance on margins and growth, signalling strong conviction in their numbers and outlook.

Q3 2025

Confident Specific

Management consistently uses superlatives like 'beat expectations,' 'above peer performance,' 'very strong,' 'robust,' and provides specific metrics: 5% annualized deposit growth, 15% annualized tangible book value growth, 18% annualized revenue growth, 3.80% NIM, 49.19% efficiency ratio. No defensive or evasive language detected.

Q4 2025

Confident Specific

Management led with record earnings ($412M for 2025, $6 EPS), consistent PPNR ROA above 2%, margin expansion each quarter, and efficiency ratio improvement to 50%. They provided specific figures (e.g., loan production $2.4B, buyback $40.8M) and detailed guidance under questioning.

Q1 2026 latest

Confident Specific

Management repeatedly cites specific outperformance numbers (ROA 1.62%, PPNR ROA 2.30%, revenue +10% YoY, expenses +4%) and provides explicit forward guidance (margin compression 5-10 bps, efficiency ratio ~50%, charge-offs 20-25 bps). No hedging or deflection on core metrics.

Guidance Reliability Pending · <3Q data

Investor Lens

The investment thesis is modestly stronger after this call. Management delivered a clean beat on core profitability metrics (ROA 1.62%, PPNR 2.30%) and demonstrated disciplined expense control (efficiency ratio 49.97% vs 52.83% last year). Loan pipeline and deposit growth momentum, particularly in non-interest-bearing accounts, support continued mid-single-digit organic growth. The buyback execution at a discount adds tangible shareholder value. However, the guided margin compression and slightly higher efficiency ratio temper near-term upside. Key next-quarter watchpoints: whether actual deposit cost pressures materialize as forecast, if non-interest-bearing deposit growth persists, and the pace of buyback deployment. The disruption in their Southeastern footprint is a tailwind, but not yet quantified in client wins.

AI-generated concall tone analysis · Updated 2026-06-08 · Not investment advice

🎙 Management Tone Confident Specific → Stable 4 quarters Full tone analysis in Intelligence →

📊 MIXED Ameris Bancorp Q1 2026 net income $110.5M, ROA 1.62%, NIM 3.88%

Revenue & Profitability

Net income was $110.5 million, or $1.63 per diluted share. Return on assets was 1.62%, PPNR ROA was 2.30%, and return on tangible common equity was 14.75%. Revenue grew 9.5% year-over-year, with non-interest income up $8.1 million. Non-interest expense increased $14 million, primarily from seasonal compensation costs. Tangible book value rose to $44.79 per share, up 12.5% year-over-year.

Outlook

Management sees continued disruption in the southeastern footprint as a potential growth accelerator. They expect mid-single-digit loan and deposit growth for the rest of the year. The net interest margin may compress a few basis points per quarter (5-10 bps total) due to deposit cost pressure from funding balance sheet growth. Net charge-offs are anticipated in the 20-25 basis point range for 2026.

Growth Drivers

Key growth levers include robust loan pipelines ($2.8 billion), strong mortgage banking activity, and equipment finance fee growth tied to loan growth. Deposit growth is driven by treasury management and consumer checking accounts, with a focus on non-interest-bearing deposits. Market disruption from M&A in the footprint offers opportunities to gain wallet share from existing relationships.

Balance Sheet & CapEx

Not discussed in this earnings call in terms of specific capital expenditure numbers. However, management noted an AI strategy focused on automation and building capacity rather than cost-cutting, with process improvements in high-volume areas to avoid adding expense as the company grows.

Margins

Net interest margin expanded 3 basis points to 3.88% in Q1, driven by lower funding costs. Management expects slight compression of 5-10 basis points over the next few quarters due to deposit cost pressure. The efficiency ratio improved to 49.97% from 52.83% a year ago, with positive operating leverage (revenue up 10%, expenses up 4% YoY). Going forward, the efficiency ratio is expected to stay slightly above 50%.

Key Risks

Risks flagged include potential margin compression from deposit cost pressure as the company funds balance sheet growth. Net charge-offs are expected in the 20-25 basis point range, but credit quality remains stable. Macroeconomic uncertainty could impact loan growth and mortgage demand. Asset-liability sensitivity is neutral, so rate changes have limited impact.

Generated by AI · Q1 2026 results · Not investment advice

✓ 📞 Earnings Call Transcripts (5 quarters) submit a missing quarter

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📞 Earnings Call Transcripts (5)

Q2 2026 Q2 2026 2026-07-24

Core profitability remained strong with robust loan and deposit growth, stable credit quality, and a solid capital position. Adjusted earnings were significantly higher after excluding a large litigation accrual. Margin is expected to compress slightly due to deposit cost pressures.

Q1 2026 Q1 2026 2026-04-24

Strong Q1 results featured double-digit revenue growth, robust loan and deposit expansion, and improved efficiency. Capital levels remain high, with aggressive share buybacks and stable credit quality. Slight margin compression is expected due to deposit cost pressures.

Q4 2025 Q4 2025 2026-01-30

Record 2025 results included $412M net income, 15% EPS growth, and improved efficiency. Strong capital, robust loan pipelines, and stable asset quality position the company for mid-single-digit growth in 2026, despite expected margin compression from deposit cost pressures.

Q3 2025 Q3 2025 2025-10-28

Third quarter results surpassed expectations with robust revenue, margin, and deposit growth. Efficiency and capital ratios improved, while optimism remains high for continued loan and deposit growth amid competitive Southeastern markets.

Q2 2025 Q2 2025 2025-07-29

Second quarter saw 21% year-over-year net income growth, margin expansion to 3.77%, and strong loan and deposit growth. Efficiency ratio improved, capital ratios strengthened, and outlook remains positive with continued focus on organic growth and deposit gathering.

📊 Analysis Methodology

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