NYSE$ABCB

Ameris Bancorp · Q1 2026 earnings

Q1 2026 earnings · · After market close · Investor relations

Briefing

Ameris Bancorp reported Q1 2026 net income of $110.5M, with diluted EPS of $1.63.

For the quarter ended March 31, 2026, Ameris earned $110.5 million, or $1.63 diluted EPS, versus $87.9 million and $1.27 a year ago. Net interest income and fee growth supported results across the Southeast franchise.

  • Net income $110.5M (+26% YoY).
  • Diluted EPS $1.63.
  • Southeast commercial bank.
  • NII expansion.
  • Credit quality in MD&A.

Headline financials

Total Revenue

$314M

Previous: $286M+10.0%
EPS (adj)

$1.63

Previous: $1.27+28.3%
Capital Expenditures

-$7.74M

Previous: -$2.69M-188.1%
Net Income

$110M

Previous: $87.9M+25.7%
Operating Income

$106M

Previous: $113M-6.4%

Revenue & EPS history

Ameris Bank · Revenue · Quarterly

$314M

Q1 2026+10%vs Q1 2025
Beat estimate in 9 of 14 quarters(64%)
ActualEstimate

Revenue by segment

Ameris Bank · $268M total across 4 segments · Q3 2023

  • Banking Division
    $194M-16.1%
  • Retail Mortgage Division
    $58.5M+1.1%
  • Premium Finance Division
    $9.41M-4.0%
  • Warehouse Lending Division
    $6.67M-21.5%

Forward guidance

The 10-Q discusses operating trends, capital priorities, and sector risks; management does not provide numeric quarterly EPS bridges in the filing body.

Tailwinds

  • Net income $110.5M (+26% YoY).
  • Diluted EPS $1.63.

Headwinds

  • NII expansion.
  • Credit quality in MD&A.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2026

Historical avgQ1 2026

+0.2%

Avg return

Earnings day

+1.4%

Avg return

5 days after

+3.9%

Avg return

30 days after

53%

35 / 66 earnings

Positive

+6.9%

Q2 2016

Best reaction

-8.5%

Q4 2015

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+0.7%-0.4%+0.0%
Q4 2025-0.6%+3.5%-4.5%
Q3 2025-2.2%-3.7%+2.0%
Q2 2025-1.8%-2.3%+4.3%
Q1 2025+3.6%+6.2%+8.6%
Q4 2024+0.1%+3.4%-1.5%
Q3 2024-2.3%-0.7%+14.5%
Q2 2024+3.6%+2.4%+3.9%
Q1 2024-0.8%-1.6%-0.5%
Q4 2023-0.7%-2.1%-13.6%
Q3 2023+2.2%+6.1%+21.1%
Q2 2023+1.3%+4.1%-6.0%
Q1 2023+2.6%-5.9%-0.4%
Q4 2022-2.3%-0.8%+1.0%
Q3 2022+1.2%-0.2%+4.1%
Q2 2022+5.6%+9.1%+13.9%
Q1 2022+2.2%+1.2%+9.2%
Q4 2021-4.6%-4.8%-3.2%
Q3 2021-0.4%+0.7%-4.8%
Q2 2021-3.2%-0.3%+1.8%
Q1 2021+2.9%+5.6%+18.5%
Q4 2020-4.6%+1.1%+16.2%
Q3 2020+5.4%+1.5%+22.6%
Q2 2020+1.2%-0.4%+6.2%
Q1 2020+2.5%+13.4%-1.5%
Q4 2019-3.1%-4.1%-6.1%
Q3 2019+0.9%+3.5%+5.1%
Q2 2019+2.1%+3.4%-9.0%
Q1 2019+1.8%+4.9%+1.6%
Q4 2018+6.6%+7.3%+17.5%
Q3 2018-1.2%-8.6%+3.4%
Q2 2018-4.7%-6.2%-2.0%
Q1 2018-1.1%-0.1%+6.4%
Q4 2017+3.1%+0.2%+2.6%
Q3 2017-2.4%-2.0%-5.4%
Q2 2017-0.1%-2.5%-8.1%
Q1 2017+3.7%+7.5%-3.9%
Q4 2016+2.2%+8.5%+15.4%
Q3 2016-0.1%+0.2%+17.4%
Q2 2016+6.9%+10.4%+10.2%
Q1 2016+2.7%
Q4 2015-8.5%
Q3 2015+6.3%
Q2 2015-0.2%
Q1 2015-3.3%
Q4 2014+6.1%
Q3 2014-2.9%
Q2 2014+1.4%
Q1 2014+1.6%
Q4 2013-2.1%
Q3 2013+0.8%
Q2 2013+1.6%
Q1 2013+3.6%
Q4 2012+0.8%
Q4 2011+0.8%
Q3 2012-5.5%
Q2 2012-3.9%
Q1 2012+1.1%
Q4 2009+4.1%
Q3 2011-5.4%
Q3 2010-5.4%
Q2 2011-4.1%
Q4 2010-4.1%
Q1 2011-0.6%
Q2 2010-2.1%
Q1 2010+6.0%

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