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Dec 31, 2025
Ameris Bank Q4 2025 Earnings Report
Ameris Bancorp reported a strong fourth quarter and record full year 2025 financial results, driven by increased net income, improved efficiency, and growth in earning assets and tangible book value.
Key Takeaways
Ameris Bancorp announced net income of $108.4 million, or $1.59 per diluted share, for the fourth quarter of 2025, marking a significant increase from the previous year. The company achieved a return on average assets of 1.57% and a return on average tangible common equity of 14.46%. Full year 2025 net income reached $412.2 million, or $6.00 per diluted share, primarily due to a 10.3% increase in net interest income.
Net income for Q4 2025 was $108.4 million, or $1.59 per diluted share, up from $94.4 million, or $1.37 per diluted share, in Q4 2024.
Full year 2025 net income was $412.2 million, or $6.00 per diluted share, compared to $358.7 million, or $5.19 per diluted share, in 2024.
Net interest margin (TE) expanded by five basis points to 3.85% in Q4 2025, and was 3.79% for the full year 2025.
Tangible book value per share grew by $1.28, or 11.8% annualized, to $44.18 at December 31, 2025.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Ameris Bancorp is well-positioned for future growth, leveraging its strong financial performance, robust capital levels, and strategic share buyback initiatives to capitalize on opportunities across its Southeast footprint.
Positive Outlook
- Strong ROA of 1.54% for the full year indicates efficient asset utilization.
- Profitable asset growth contributed to margin expansion and positive operating leverage.
- Tangible book value grew over 14% during the year, enhancing shareholder value.
- Reinvestment in the company through share buyback authorization, purchasing over $77 million of common stock in 2025.
- Robust capital levels position the company to capitalize on growth opportunities in the Southeast.
Challenges Ahead
- Nonperforming assets as a percentage of total assets increased four basis points to 0.44% during the quarter.
- Mortgage banking activity decreased by $8.8 million, or 21.6%, in the fourth quarter of 2025.
- Other noninterest income decreased $3.8 million, or 37.5%, in the fourth quarter of 2025.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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