Ameris Bancorp (ABCB) Reports Q2 Earnings: What Key Metrics Have to Say

Core Insights - Ameris Bancorp reported revenue of $301.65 million for the quarter ended June 2025, showing no change year-over-year, with an EPS of $1.59 compared to $1.17 in the same quarter last year [1] - The revenue exceeded the Zacks Consensus Estimate by +1.56%, while the EPS surprised by +17.78% over the consensus estimate of $1.35 [1] Financial Performance Metrics - Net interest margin was reported at 3.8%, slightly above the estimated 3.7% [4] - The efficiency ratio stood at 51.6%, better than the average estimate of 52.4% [4] - Book value per share at period end was $57.02, exceeding the estimate of $56.48 [4] - Net charge-offs as a percentage of average loans (annualized) were 0.1%, significantly lower than the estimated 0.3% [4] - Total non-performing assets were reported at $97.26 million, compared to the average estimate of $123.23 million [4] - Average balances of total earning assets were $24.77 billion, slightly above the estimate of $24.72 billion [4] - Net interest income (TE) was $232.74 million, surpassing the average estimate of $224.51 million [4] - Total non-interest income was $68.91 million, below the estimated $72.49 million [4] - Net interest income was reported at $231.81 million, exceeding the estimate of $226.25 million [4] Stock Performance - Ameris Bancorp shares returned +2.3% over the past month, while the Zacks S&P 500 composite increased by +4.9% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market [3]