Ameris Bancorp (ABCB)

Ameris Bancorp reported record full-year 2025 net income of $412.2 million and Q4 2025 net income of $108.4 million. In Q1 2025, net income was $87.9 million, or $1.27 per diluted share. The stock price has shown positive momentum, with an 11.07% 30-day share price return and a 13.75% year-to-date return as of February 5, 2026, contributing to a 25.55% 1-year total shareholder return. Ameris Bancorp repurchased over $77 million of its common stock in 2025. The consensus price target for ABCB is $86.50, suggesting a forecasted upside from its current price.

Demand for Ameris Bancorp's products and services, particularly deposits, can exhibit seasonality. The company has noted seasonal declines in noninterest-bearing deposits, which are typically observed to rebound.

Ameris Bancorp (ABCB) is a regional bank holding company based in Atlanta, Georgia, operating through Ameris Bank. It operates in the Financial Services sector, specifically the Regional - Mid-Atlantic Banks industry. The company provides banking and financial services to retail and commercial customers through five segments: Banking Division, Retail Mortgage Division, Warehouse Lending Division, SBA Division, and Premium Finance Division. The company offers deposit accounts such as checking, savings, money market, IRAs, and CDs. It also provides commercial real estate, residential real estate, agricultural, commercial and industrial, and consumer loans, along with specialized services like SBA and USDA loans, insurance premium financing, equipment financing, municipal lending, and treasury services.

Ameris Bancorp's geographic footprint is concentrated in the southeastern United States. The company operates over 200 full-service financial centers in Georgia, Alabama, Florida, North Carolina, and South Carolina. It also has mortgage lending offices in Virginia, Maryland, and Tennessee, and serves customers nationwide through select lending channels.

Ameris Bank received five Greenwich Excellence Awards for Small Business Banking in 2023 and ranked among the Top 10 banks in the U.S. for retail mortgage volume in Q1. The bank distributed over $1 million in grants to support heirs' property work and $3.75 million in affordable housing grants, and expanded its down payment assistance program to promote homeownership, contributing positively to its brand reputation.

Institutional investors predominantly hold Ameris Bancorp's shares, accounting for 91.54% as of January 2025, with mutual funds comprising 70.60% of these holdings. Major institutional shareholders include BlackRock, Inc., Vanguard Group Inc, Dimensional Fund Advisors LP, Wellington Management Group LLP, and State Street Corp. Individual insiders hold a notable stake, with insider ownership at 4.05% as of January 2025. Key individual insiders include Mr. James B. Miller, Jr. (Chairman), who held approximately 2.39% ownership as of December 2024, and Mr. H. Palmer Proctor, Jr. (CEO), with approximately 0.46% ownership as of February 2024.