Ameris Bancorp (ABCB) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

Core Insights - Ameris Bancorp reported revenue of $315.19 million for Q3 2025, marking a year-over-year increase of 10.7% and exceeding the Zacks Consensus Estimate by 3.51% [1] - The company's EPS for the same quarter was $1.53, up from $1.38 a year ago, representing a surprise of 4.08% over the consensus estimate of $1.47 [1] Financial Performance Metrics - Net interest margin was reported at 3.8%, slightly above the estimated 3.7% [4] - The efficiency ratio stood at 49.2%, better than the average estimate of 51.6% [4] - Book value per share at period end was $58.56, exceeding the estimate of $58.10 [4] - Net charge-offs as a percentage of average loans were 0.1%, lower than the estimated 0.2% [4] - Total non-performing assets amounted to $109.43 million, slightly above the estimate of $107.67 million [4] - Average balances of total earning assets were $24.96 billion, marginally higher than the estimate of $24.93 billion [4] - Net interest income (TE) was reported at $238.92 million, surpassing the estimate of $232.93 million [4] - Total non-interest income reached $76.27 million, exceeding the average estimate of $71.57 million [4] - Net interest income was $237.96 million, compared to the average estimate of $233.92 million [4] Stock Performance - Ameris Bancorp's shares have returned -1.1% over the past month, while the Zacks S&P 500 composite has increased by 2.5% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market [3]