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Mar 31, 2025
Ameris Bank Q1 2025 Earnings Report
Ameris Bancorp reported net income of $87.9 million and diluted EPS of $1.27 for the first quarter of 2025, showing an increase from the prior year's first quarter results.
Key Takeaways
Ameris Bancorp demonstrated a strong start to 2025 with increased net income and diluted earnings per share compared to the first quarter of the previous year. The company saw growth in tangible book value and noninterest-bearing deposits, while improving its net interest margin and maintaining above-peer return metrics. Despite economic uncertainty, Ameris is focused on customer relationships, balance sheet management discipline, and operational efficiency, positioning them well for future success in their Southeast markets.
Net income for Q1 2025 was $87.9 million, up from $74.3 million in Q1 2024.
Diluted earnings per share were $1.27, an increase from $1.08 in the same period last year.
Net interest margin expanded to 3.73% in Q1 2025, a 22 basis point improvement from 3.51% in Q1 2024.
Noninterest-bearing deposits grew to 30.8% of total deposits at March 31, 2025.
Revenue by Segment
Forward Guidance
While economic uncertainty is currently high, Ameris will control what it can by focusing on their customers and prioritizing discipline in balance sheet management and operational efficiency. Their strong core deposit base, healthy net interest margin and continued focus on shareholder value, paired with the growth potential in their attractive Southeast markets, position them well for continued success over the years ahead.
Positive Outlook
- Focus on customer relationships.
- Prioritizing discipline in balance sheet management.
- Prioritizing discipline in operational efficiency.
- Strong core deposit base.
- Healthy net interest margin.
- Continued focus on shareholder value.
- Growth potential in attractive Southeast markets.
Challenges Ahead
- Economic uncertainty is currently high.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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