Ameris Bancorp

ABCB

NYSEMid CapFinancials

13F Pro Quality Score

59.8/100

Rank #907 of 2,961 stocksTOP 50%

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Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

47.9/100

Profitability

85.1/100

Balance Sheet

48.1/100

Earnings Quality

65.3/100

Free Cash Flow

91.6/100

Institutional Flow

73.5/100

Revenue Scale

54.5/100

Dilution Risk

55.7/100

Price Chart

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What's Driving ABCB's Business? Latest 10-Q Breakdown

17/17 datapoints verified

AI-extracted from the 10-Q filed 2026-08-07 — Q2 2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Net income fell 53% to $51.4M ($0.77/share) in Q2 2026 due to $82.5M litigation accrual from employment case verdict, offsetting 8.9% growth in net interest income.

Biggest Revenue Drivers

Interest income$365.6M+5.2% YoY

Growth in average earning assets and downward deposit pricing adjustments.

Biggest Revenue Drivers

Total revenue: $365.6M+5.2% YoY

Interest income$365.6M+5.2% YoY

Growth in average earning assets and downward deposit pricing adjustments.

Largest Expense Items

Litigation accrual$82.5MN/A

Accrual for jury verdict in California employment case (wrongful termination, whistleblower violations).

Salaries and employee benefits$91.5M+2.4% YoY

Increases in health insurance, annual merit increases, and share-based compensation.

Interest expense$113.1M-2.3% YoY

Lower deposit costs from decreased market rates, partially offset by higher FHLB advances.

Margins: Net interest margin improved 11 basis points to 3.88% in Q2 2026 from 3.77% in Q2 2025, driven by lower deposit costs as market rates declined, despite flat loan yields.

Watch Items from the Filing

Litigation exposure: $82.5M accrual for Patrick Byrne employment case verdict ($16.5M economic/non-economic damages plus $62.9M punitive damages); company plans to appeal but ultimate outcome uncertain.
Non-performing assets increased to 0.47% of total assets (up 3 basis points) at June 30, 2026; nonaccrual loans rose $11.5M to $120.5M.
Commercial real estate concentration: 40% of total loans ($8.9B) in CRE (excluding owner-occupied); office portfolio showing stress signals noted in provision increase.
Net charge-offs increased to 0.20% of average loans (annualized) in Q2 2026 vs. 0.14% in Q2 2025; provision for credit losses doubled to $17.3M.
Uninsured deposits of $10.34B (30.9% collateralized by municipal entities); brokered CDs increased to $1.52B, indicating active funding management.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →