Ameris Bancorp (ABCB) Earnings
Ameris Bancorp is expected to report next earnings on July 24, 2026 (in NaN days), with a consensus EPS estimate of $1.66. ABCB has beaten EPS estimates in 7 of its last 12 reported quarters (average surprise +8.1% over the last four).
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 24, 2026 | $1.54 | $1.63 | +5.8% | $314M | +1.6% |
| Jan 29, 2026 | $1.56 | $1.59 | +1.9% | $307M | +0.1% |
| Jan 30, 2025 | $1.20 | $1.38 | +15.0% | $291M | +5.3% |
| Oct 24, 2024 | $1.26 | $1.38 | +9.5% | $285M | -0.7% |
| Jul 25, 2024 | $1.14 | $1.17 | +2.6% | $290M | +6.3% |
| Apr 25, 2024 | $1.04 | $1.10 | +5.8% | $257M | -3.9% |
| Jan 25, 2024 | $1.10 | $1.07 | -2.7% | $253M | -4.3% |
| Oct 26, 2023 | $1.13 | $1.16 | +2.7% | $263M | -3.8% |
| Jul 27, 2023 | $1.13 | $0.91 | -19.5% | $267M | +1.3% |
| Apr 27, 2023 | $1.18 | $0.87 | -26.3% | $259M | -4.6% |
| Jan 26, 2023 | $1.34 | $1.18 | -11.9% | $264M | -6.2% |
| Oct 27, 2022 | $1.33 | $1.34 | +0.8% | $269M | -2.8% |
Source: company filings + earnings calendar. For informational purposes only — not investment advice.
Earnings call summary
Q1 FY2026 · April 24, 2026
AI summary of management’s prepared remarks and analyst Q&A. For informational purposes only — not investment advice.
Management highlights
- Palmer is proud of the firm's performance starting the year from core profitability, growth in loans, deposits, earning assets, revenue, and active capital management with share repurchases. - Nicole discusses financial results including net income, returns, margin, non-interest income and expense, efficiency ratio, provision, balance sheet, and deposit growth. - Palmer mentions operating as one bank, one team as a key internal priority for 2026 and focus on profitable organic growth and enhancing shareholder value.
Guidance
- Anticipate slight margin compression over next few quarters, probably 5 to 10 total basis points lower. - Project loan and deposit growth to be in mid single digit range for rest of year. - Efficiency ratio to be slightly above 50% for rest of year. - Net charge-offs anticipated in 20 to 25 basis point range for 2026. - Capital levels remain robust with CET1 at roughly 13% and TCE ratio slightly above 11%.
Segment performance
Net income was $110.5 million or $1.63 per diluted share. Return on assets was 1.62%, PPNR ROA was 2.3%, and return on tangible common equity was 14.75%. Tangible book value increased to $44.79. Net interest margin expanded three basis points to 388. Non-interest income increased $8.1 million. Total non-interest expense increased about $14 million. Efficiency ratio was 49.97. Provision expense was $16.6 million. Annualized net charge-offs decreased to 21 basis points. Reserve remains at 1.62% of loans. Total assets ended at $28.1 billion. Earning assets grew $607.8 million. Loans grew $314.5 million. Deposits grew 261 million. Non-interest-bearing deposits grew 323 million and returned to 30% of total deposits.
Analyst Q&A
Q: About margin, look back and forward-looking on loan yields vs deposits.
A: Look back non-interest-bearing deposit growth helped margin. Forward, loans came in at about 6.13% yield, total deposit production including non-interest bearing at about 190, but interest-bearing deposit production at 274.
Q: On growing core deposits, strategy and using non-core funding.
A: Focus on treasury management, willing to sacrifice some for right growth.
Q: On disruption impact, client acquisition and M&A.
A: Focus on client acquisition, overlap markets give leg up. Regulatory relief doesn't change strategy much.
Q: On loan growth trends, pipelines and 2Q.
A: Pipelines robust across verticals, growth driven by macro.
Q: On mortgage banking income, puts and takes.
A: First quarter rebound, dependent on rate environment.
Q: On AI strategy and expense contracts.
A: AI for building capacity, not cost-cutting. Software vendors aggressive on contracts.
Q: On expense and fees.
A: Expense increase about 30-35 million, fee income mid-single digit growth.
Q: On deposits per account and mortgage business.
A: Deposits per account due to customer base growth. Mortgage business first quarter good, second quarter could be consistent.
Q: On M&A and capital deployment.
A: M&A low priority, focus on organic growth. Capital allows aggressive buyback, but M&A not a priority.