AMERIS BANCORP (NYSE:ABCB) Tops Q3 2025 Earnings and Revenue Estimates

Earnings Performance Versus Expectations

AMERIS BANCORP (NYSE:ABCB) reported financial results for the third quarter of 2025 that exceeded analyst forecasts on key profitability and revenue metrics. The company posted earnings per share (EPS) of $1.53, surpassing the consensus estimate of $1.50. Revenue for the quarter reached $315.2 million, also coming in above the projected $312.5 million. This performance represents a continuation of the company's earnings growth, with diluted EPS rising from $1.44 in the same quarter last year.

Market Reaction and Price Action

The market's initial response to the earnings beat has been measured. In the immediate aftermath of the release, the stock showed no significant movement in after-hours trading. A broader view of recent performance reveals a mixed picture:

• The stock has gained approximately 4.5% over the past week.
• It is up about 4.0% over the past two weeks.
• However, it remains down roughly 1.1% for the past month.

This price action suggests that while the earnings results were positive, they may have been largely anticipated by the market, given the recent upward trend in the stock price leading into the report. The lack of a strong surge post-announceation could indicate that the results, while solid, did not significantly exceed already elevated expectations.

Key Financial Highlights from the Quarter

Beyond the headline EPS and revenue figures, the earnings release detailed several areas of financial strength for Ameris Bancorp.

Profitability and Returns The company demonstrated robust profitability with net income of $106.0 million for the quarter. Key performance metrics highlighted by management include:

• A return on assets of 1.56%
• A return on tangible common equity of 14.6%
• An efficiency ratio that improved to 49.19%, down from 51.63% in the previous quarter

Net Interest Income and Margin Expansion A significant driver of performance was the growth in net interest income, which increased 11.1% compared to the third quarter of 2024 to $238.9 million. The net interest margin expanded to 3.80%, a 29 basis point improvement year-over-year. This expansion was supported by:

• An increase in the yield on earning assets to 5.66%
• A decrease in the total cost of funds to 2.05%

Balance Sheet and Capital Management The company continued to grow its balance sheet and return capital to shareholders.

• Total assets reached $27.10 billion, with loans increasing to $21.26 billion.
• Tangible book value per share grew to $42.90, a 14.9% annualized increase for the first nine months of the year.
• The board authorized a new share repurchase program for up to $200 million of common stock.

Credit Quality and Provisions One area that saw a notable change was the provision for credit losses, which increased to $22.6 million from $2.8 million in the prior quarter. The company noted that approximately half of this provision was related to an increase in unfunded commitments. Despite this, the net charge-off ratio remained unchanged at 14 basis points.

Outlook and Forward Estimates

While the press release expressed confidence in the company's positioning for growth in 2026 and beyond, it did not provide specific quantitative financial guidance for the coming quarters or the full year. This leaves analysts' estimates as the primary benchmark for future performance. Current consensus estimates project the following:

• Q4 2025 Revenue: $314.1 million
• Q4 2025 EPS: $1.51
• Full-Year 2025 Revenue: $1.23 billion
• Full-Year 2025 EPS: $5.94

For a detailed breakdown of future earnings estimates and historical performance, you can review the data available on the Ameris Bancorp earnings and estimates page.

Disclaimer: This article is for informational purposes only and is not intended as investment advice. The information presented should not be construed as a recommendation to buy, sell, or hold any security. Readers should conduct their own research and consult with a qualified financial advisor before making any investment decisions.