Filing Flows › Ameris Bancorp (ABCB) › Q3 2026
Ameris Bancorp (ABCB) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 6, 2026
Ameris Bancorp (ABCB) reported revenue of $322M for the third quarter 2026 (Q3 2026), +2% from a year earlier and -1% from the quarter before. Operating margin was 46.8%, net earnings $116M (36.1% of revenue).
Ameris Bancorp, Q3 2026: revenue $322M (+2% year over year), operating margin 46.8%, net earnings $116M, operating cash flow $220M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $322M | -1% | +2% |
| Operating profit | $151M | +128% | +10% |
| Net earnings | $116M | +126% | +9% |
| Operating cash flow | $220M | +177% | +110% |
| Free cash flow | $214M | +202% | +113% |
What changed
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.
Questions
What was Ameris Bancorp's revenue in the third quarter 2026?
Ameris Bancorp (ABCB) reported revenue of $322M for the third quarter 2026 (Q3 2026), +2% from a year earlier and -1% from the quarter before.
Was Ameris Bancorp profitable in the third quarter 2026?
Operating profit was $151M (46.8% of revenue) and net earnings $116M.
Source: Ameris Bancorp 10-Q on SEC EDGAR.