Ameris Bancorp (ABCB)

Ameris Bancorp reported strong Q4 2025 and full-year results, with net income of $108.4 million and $412.2 million, respectively. The company announced better-than-expected Q1 2026 results, with net income of $110.5 million and a 9.6% year-on-year revenue growth. The stock price reached a new 52-week high in early May 2026 and surpassed its 200-day moving average in April 2026. Analysts raised their price targets for ABCB, with a consensus price target of $90.17 and an average rating of 'Moderate Buy'. The company repurchased approximately $75 million of its common stock during Q1 2026 and declared quarterly cash dividends of $0.20 per share.

Ameris Bancorp's products and services experience some demand seasonality. The company has noted seasonal declines in mortgage production and public funds deposits, particularly in the first quarter. Total production in the retail mortgage division seasonally decreased by 10.6% in the first quarter of 2026 compared to the fourth quarter of 2025. The company also reported recapturing some of the seasonal decline in noninterest-bearing deposits in Q1 2026.

Ameris Bancorp (ABCB) is a bank holding company based in Atlanta, Georgia, operating through Ameris Bank. It offers commercial and retail banking services, including checking and savings accounts, and various loans such as commercial real estate, residential mortgages, and SBA loans. The company operates through four segments: Banking Division, Retail Mortgage Division, Warehouse Lending Division, and Premium Finance Division, with the Banking Division being the primary revenue generator.

Ameris Bancorp's geographic footprint is concentrated across the southeastern United States. The company operates full-service branches in Georgia, Alabama, Florida, North Carolina, and South Carolina. Additionally, it maintains mortgage-only locations in Georgia, Alabama, Florida, North Carolina, South Carolina, Virginia, Maryland, and Tennessee. Ameris Bancorp also serves customers nationwide through select lending channels and digital banking options.

Ameris Bancorp has received notable recognition, including being named on Forbes' lists of America's Best Companies 2025, America's Best Employers For Company Culture, and America's Best Midsize Employers in 2026. Ameris Bank was named to Forbes' list of America's Best Banks for 2026, ranking #15. Ameris Bank committed to donating over $2 million among 25 Georgia Hospital Organizations and introduced a new digital business invoice management and payment solution.

Ameris Bancorp's ownership is predominantly held by institutional investors, who collectively own approximately 91.6% to 94.89% of the company's stock. Major institutional owners include BlackRock, Inc., Vanguard Group Inc., and Dimensional Fund Advisors Lp. The largest individual shareholder is James B. Miller Jr., who owns 3.21% of the company.