Loading...
•
Sep 30
Ameris Bank Q3 2025 Earnings Report
Ameris Bancorp reported a solid performance in Q3 2025, with net income rising to $106.0 million driven by growth in net interest income, improving margins, and strong asset quality.
Key Takeaways
Ameris Bancorp delivered strong Q3 2025 results with increased net income and EPS, boosted by higher net interest income and improved operating efficiency. The bank saw loan growth, deposit stability, and margin expansion, while maintaining solid asset quality and capital strength.
Net income rose to $106.0 million, with EPS of $1.54 and adjusted EPS of $1.53.
Net interest margin expanded to 3.80% due to higher yields on assets and lower funding costs.
Efficiency ratio improved to 49.19%, reflecting effective cost management.
Tangible book value per share increased to $42.90, supported by earnings and capital strength.
Ameris Bank
Ameris Bank
Ameris Bank Revenue by Segment
Ameris Bank Revenue by Geographic Location
Revenue by Segment
Retail Mortgage Revenue
CapyFin.comWarehouse Lending Revenue
CapyFin.comPremium Finance Revenue
CapyFin.comBanking Division Revenue
CapyFin.comRevenue by Geographic Location
Southeast Region Revenue
CapyFin.com Forward Guidance
Ameris Bancorp expects continued growth in core deposits, tangible book value, and margin expansion supported by strong capital levels.
Positive Outlook
- Strong capital position provides strategic flexibility.
- Efficiency ratio improvement enhances operating leverage.
- Deposit mix stability supports net interest margin.
- Growth in earning assets indicates underlying demand.
- Robust asset quality with stable charge-offs.
Challenges Ahead
- Retail mortgage volume declined sequentially.
- Increased provision expense due to unfunded commitments.
- Noninterest-bearing deposits declined slightly QoQ.
- Operating expense pressure in banking segment due to incentives and healthcare.
- Slight increase in non-performing assets during the quarter.