Ameris Bancorp
Income Statement
| Line Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $1.67B | $1.67B | $1.52B | $1.18B | $1.07B | $1.17B | $834.5M | $531.7M |
| Interest Income | $1.39B | $1.38B | $1.28B | $893.9M | $703.1M | $726.5M | $636.4M | $413.3M |
| Noninterest Income | $271.0M | $293.3M | $242.8M | $284.4M | $365.5M | $446.5M | $198.1M | $118.4M |
| Cost of Revenue | — | — | — | — | — | — | — | — |
| Gross Profit | — | — | — | — | — | — | — | — |
| Gross Margin | — | — | — | — | — | — | — | — |
| Operating Expenses | ||||||||
| Research & Development | — | — | — | — | — | — | — | — |
| SG&A Expense | — | — | — | — | — | — | — | — |
| Operating Income | $533.8M | $475.9M | $802.3M | $546.0M | $543.9M | $429.0M | $342.8M | $221.4M |
| Operating Margin | 32.0% | 28.5% | 52.7% | 46.3% | 50.9% | 36.6% | 41.1% | 41.6% |
| Interest Expense | — | — | $445.4M | $92.9M | $47.8M | $88.8M | $131.2M | $69.9M |
| Pretax Income | $533.8M | $475.9M | $356.9M | $453.1M | $496.1M | $340.2M | $211.6M | $151.5M |
| Income Tax Expense | $121.6M | $117.2M | $87.8M | $106.6M | $119.2M | $78.3M | $50.1M | $30.5M |
| Net Income | $412.2M | $358.7M | $269.1M | $346.5M | $376.9M | $262.0M | $161.4M | $121.0M |
| Net Margin | 24.7% | 21.5% | 17.7% | 29.4% | 35.3% | 22.3% | 19.3% | 22.8% |
| EPS (Basic) | $6.02 | $5.21 | $3.90 | $5.01 | $5.43 | $3.78 | $2.76 | $2.81 |
| EPS (Diluted) | $6.00 | $5.19 | $3.89 | $4.99 | $5.40 | $3.77 | $2.75 | $2.80 |
| Shares Outstanding (Basic) | 68.4M | 68.8M | 69.0M | 69.2M | 69.4M | 69.3M | 58.5M | 43.1M |
| Shares Outstanding (Diluted) | 68.7M | 69.1M | 69.1M | 69.4M | 69.8M | 69.4M | 58.6M | 43.2M |
| Dividends Per Share | $0.80 | $0.65 | $0.60 | $0.60 | $0.60 | $0.60 | $0.50 | $0.40 |