Filing Flows › Financials › Ameris Bancorp (ABCB)
Ameris Bancorp (ABCB) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · Ameris Bancorp (ABCB) Q3 2026 earnings results →
Q3 2026 Revenue up 2% year over year to $322M · 36¢ of every $1 of revenue kept as net profit · operating margin 46.8%
Ameris Bancorp made $322M in Q3 2026 (+2% Y/Y): Net interest income $258M, Noninterest income $64.2M. Operating margin 46.8%, net earnings $116M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.
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What changed this quarter
Revenue was $321.8M in Q3 2026, up 2% year over year and down 1% from the previous quarter. Net interest income was the largest line at 80% of revenue. Net interest income added $19.7M year over year (up 8%), 259% of the total change. Noninterest income declined 16%.
Operating profit was $150.5M, a 46.8% margin (up 3.2 points year over year). Of the extra revenue versus a year earlier, 177% reached operating profit, above the 44% margin then. Total costs fell 3% while revenue rose 2%. Net earnings were $116.1M, up 9% year over year. The effective tax rate was 22.9%.
Operating cash flow was $220.1M (up 110% year over year), 190% of net earnings. Non-cash charges added back $3.3M of depreciation and amortization and $3.9M of share-based compensation. Working capital and other items added $96.7M. Capital expenditures of $6.3M left free cash flow of $213.8M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 6, 2026 | $322M | +2% | 46.8% | $116M | $220M |
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🔄Rotation against the market and its industry (RRG)interactive
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About Ameris Bancorp
We are a financial holding company whose business is conducted primarily through our wholly owned banking subsidiary, Ameris Bank (the “Bank”), which provides a full range of banking services to its retail and commercial customers who are primarily concentrated in select markets in Georgia, Alabama, Florida, North Carolina and South Carolina. The Company’s executive office is located at 3490 Piedmont Road N.E., Suite 1550, Atlanta, Georgia 30305, our telephone number is (404) 639-6500 and our internet address is www.amerisbank.com. We operate 163 full-service domestic banking offices. We do not operate in any foreign countries. At December 31, 2025, we had approximately $27.52 billion in total assets, $22.14 billion in total loans, $22.38 billion in total deposits and $4.08 billion of shareholders’ equity.
In its own words, from its 10-K, filed Feb 26, 2026.
Ameris Bancorp against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +2% against the peers' median +10%. Operating margin: 46.8% against the peers' median 34.7%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| ABCB Ameris Bancorp | Q3 2026 | $322M | +2% | 46.8% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: Ameris Bancorp 10-Q on SEC EDGAR · CIK 351569 · State Commercial Banks
Guidance and outlook
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History
Every quarter: Q3 2026 results