Filing Flows › Ameris Bancorp (ABCB) › Q3 2026 › vs Q3 2025
Ameris Bancorp (ABCB) Q3 2026 vs Q3 2025 (year over year)
Ameris Bancorp's revenue rose $7.6M (+2%) from $314M in Q3 2025 to $322M in Q3 2026. The biggest changes: Net interest income +$19.7M (+8%); Noninterest income −$12.1M (-16%). Operating margin 46.8% against 43.6% (+3.2 pts).
Ameris Bancorp, Q3 2026: revenue $322M (+2% year over year), operating margin 46.8%, net earnings $116M, operating cash flow $220M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 46.8% | 43.6% | +3.2 pts |
| Net margin | 36.1% | 33.7% | +2.3 pts |
| Free cash flow margin | 66.4% | 32.0% | +34.4 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $258M | $238M | $19.7M | +8% |
| Noninterest income | $64.2M | $76.3M | −$12.1M | -16% |
| Revenue | $322M | $314M | $7.6M | +2% |
| Operating profit | $151M | $137M | $13.5M | +10% |
| Costs & expenses | $171M | $177M | −$5.9M | -3% |
| Pre-tax earnings | $151M | $137M | $13.5M | +10% |
| Credit loss provision | $12.6M | $22.6M | −$10.1M | -44% |
| Noninterest expense | $159M | $155M | $4.2M | +3% |
| Net earnings | $116M | $106M | $10.1M | +9% |
| Income tax | $34.4M | $31.0M | $3.4M | +11% |
| Depreciation & amortization | $3.3M | $6.9M | −$3.5M | -51% |
| Share-based compensation | $3.9M | $3.2M | $698K | +22% |
| Working capital & other | $96.7M | −$11.2M | $108M | — |
| Operating cash flow | $220M | $105M | $115M | +110% |
| Free cash flow (OCF − capex) | $214M | $101M | $113M | +113% |
| Capital expenditures | $6.3M | $4.4M | $1.9M | +43% |
Questions
How much did Ameris Bancorp's revenue grow year over year in Q3 2026?
Ameris Bancorp's revenue rose $7.6M (+2%) from $314M in Q3 2025 to $322M in Q3 2026.
What drove Ameris Bancorp's revenue change in Q3 2026?
Net interest income +$19.7M (+8%); Noninterest income −$12.1M (-16%).