NYSE$ABCB
Ameris Bancorp · Q4 2022 earnings
Q4 2022 earnings · · Investor relations
Briefing
Ameris Bank reported strong Q4 2022 financial results with growth in tangible book value and net interest income.
Ameris Bancorp reported a net income of $82.2 million, or $1.18 per diluted share, for Q4 2022, which is comparable to the $81.9 million, or $1.18 per diluted share, from Q4 2021. The company saw growth in tangible book value, expanded net interest margin, and improved efficiency ratio.
- Net income of $82.2 million, or $1.18 per diluted share
- Growth in tangible book value of $1.30 per share, or 18.0% annualized, to $29.92
- Net interest margin improved to 4.03%
- Net interest income grew to $224.1 million
Headline financials
Revenue & EPS history
Ameris Bank · Revenue · Quarterly
$272M
Revenue by segment
Ameris Bank · $270M total across 4 segments · Q4 2022
- Banking Division$209M+50.2%77.6%
- Retail Mortgage Division$43.8M-44.9%16.3%
- Premium Finance Division$9.34M+33.9%3.5%
- Warehouse Lending Division$7.18M-22.9%2.7%
Forward guidance
Ameris Bancorp is well-positioned for 2023 with a focus on core fundamentals in strong Southeastern markets, despite potential economic challenges.
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 Q4 2022
+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
| Quarter | Report date | Reaction (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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