Filing Flows

Filing Flows › Companies › Ameris Bancorp › Cash flow

Ameris Bancorp cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$214M in Q3 2026 · $635M over twelve months

Operating cash flow$220M
Capital spending−$6.3M
Free cash flow+$214M
Cash / net income1.9×

Analysis

In Q3 2026, Ameris Bancorp generated $220M of operating cash flow and spent $6.3M on capital projects, leaving free cash flow of $214M. That is $113M more than in Q3 2025 ($101M).

Over the twelve months to Sep 30, 2026, operating cash flow was $664M; the largest uses were other investing ($1.6B), buybacks ($144M), dividends ($54.5M); besides operations, cash came from other financing ($1.3B), asset & business sales ($39K); the cash balance rose by $94.0M.

Operating cash flow was $220M against net income of $116M — 1.9× profit, cash ran ahead of reported earnings. The largest differences: stock-based pay +$3.9M, depreciation & amortization +$3.3M, deferred taxes −$1.2M.

Free cash flow

Ameris Bancorp: free cash flow by quarterAmeris Bancorp: free cash flow by quarter$126MQ4 2024$114MQ1 2025$53.7MQ2 2025$101MQ3 2025$101MQ4 2025$249MQ1 2026$70.8MQ2 2026$214MQ3 2026
Operating cash flow less capital spending.
Ameris Bancorp: operating cash flow against capital spendingAmeris Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending$131M$4.4MQ4 2024$117M$2.7MQ1 2025$61.4M$7.7MQ2 2025$105M$4.4MQ3 2025$107M$5.8MQ4 2025$257M$7.7MQ1 2026$79.4M$8.6MQ2 2026$220M$6.3MQ3 2026
Latest (Q3 2026): Operating cash flow $220M, Capital spending $6.3M.

Capital allocation, year by year

Ameris Bancorp: where the cash came from (up) and went (down), by fiscal yearAmeris Bancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowShares issuedAsset salesCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $9.1MFY2021: Shares issued $4.5MFY2021: Asset sales $2.0MFY2021: Capital spending −$25.4MFY2021: Acquisitions −$127MFY2021: Buybacks −$9.4MFY2021: Dividends −$41.8M$15.6MFY2021FY2022: Operating cash flow $1.1BFY2022: Shares issued $2.8MFY2022: Asset sales $46KFY2022: Capital spending −$13.6MFY2022: Acquisitions −$14.0MFY2022: Buybacks −$22.4MFY2022: Dividends −$41.6M$1.1BFY2022FY2023: Operating cash flow $569MFY2023: Shares issued $476KFY2023: Asset sales $3.9MFY2023: Capital spending −$17.5MFY2023: Buybacks −$20.3MFY2023: Dividends −$41.6M$573MFY2023FY2024: Operating cash flow $154MFY2024: Asset sales $250KFY2024: Capital spending −$13.5MFY2024: Buybacks −$8.0MFY2024: Dividends −$41.5M$154MFY2024FY2025: Operating cash flow $390MFY2025: Asset sales $172KFY2025: Capital spending −$20.5MFY2025: Buybacks −$82.9MFY2025: Dividends −$55.3M$390MFY2025
Over these 5 years operating cash flow totalled $2.2B; the largest uses were dividends ($222M) and buybacks ($143M). Cash-flow statements as filed.

Where the cash came from and went

Ameris Bancorp: sources (+) and uses (−) of cash, Q3 2026Ameris Bancorp: sources (+) and uses (−) of cash, Q3 2026Other investing−$258MOperating cash flow$220MCash drawn (+) / kept (−)$59.9MDividends−$13.4MCapital spending−$6.3MOther financing−$2.6MBuybacks−$38K
Ameris Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Ameris Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$1.6BOther financing$1.3BOperating cash flow$664MBuybacks−$144MCash drawn (+) / kept (−)−$94.0MDividends−$54.5MCapital spending−$28.5MAsset & business sales$39K

From profit to cash

Ameris Bancorp: net income to operating cash flow, Q3 2026Ameris Bancorp: net income to operating cash flow, Q3 2026Net income$116MDepreciation & amortization$3.3MStock-based pay$3.9MDeferred taxes−$1.2MGains on investments−$230KOperating cash flow$220M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsCash drawn (+) / kept (−)Free cash flow
Q3 2026$220M−$6.3M−$38K−$13.4M$59.9M$214M
Q2 2026$79.4M−$8.6M−$19.7M−$13.4M$132M$70.8M
Q1 2026$257M−$7.7M−$83.6M−$14.0M−$240M$249M
Q4 2025$107M−$5.8M−$40.8M−$13.7M−$45.8M$101M
Q3 2025$105M−$4.4M−$8.5M−$13.7M$127M$101M
Q2 2025$61.4M−$7.7M−$12.8M−$13.7M$122M$53.7M
Q1 2025$117M−$2.7M−$20.7M−$14.1M−$72.0M$114M
Q4 2024$131M−$4.4M−$103K−$10.3M$139M$126M

Ameris Bancorp: income statement and cash flow

Ameris Bancorp, Q3 2026: revenue $322M (+2% year over year), operating margin 46.8%. The chart follows the revenue to costs, profit and cash.

Ameris Bancorp: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.