Ameris Bancorp(US:ABCB) ZACKS·2026-01-30 01:00Core Insights - Ameris Bancorp reported revenue of $308.11 million for Q4 2025, a 6% year-over-year increase, with an EPS of $1.59 compared to $1.38 a year ago [1] - The revenue fell slightly short of the Zacks Consensus Estimate of $308.67 million, resulting in a surprise of -0.18%, while the EPS exceeded the consensus estimate of $1.56 by 2.25% [1] Financial Performance Metrics - Net interest margin (TE) was reported at 3.9%, surpassing the average estimate of 3.8% from three analysts [4] - The efficiency ratio stood at 46.6%, better than the average estimate of 50.5% from three analysts [4] - Book value per share at period end was $59.92, slightly above the estimated $59.68 [4] - Net charge-offs as a percentage of average loans (annualized) were 0.3%, higher than the average estimate of 0.2% [4] - Total non-performing assets amounted to $120.47 million, exceeding the average estimate of $114.45 million [4] - Average balances of total earning assets were $25.4 billion, close to the estimated $25.37 billion [4] - Net interest income (TE) was reported at $246.29 million, above the average estimate of $239.71 million [4] - Total non-interest income was $61.83 million, below the average estimate of $68.95 million [4] - Net interest income was $245.31 million, exceeding the average estimate of $239.84 million [4] Stock Performance - Shares of Ameris Bancorp have returned +7.3% over the past month, outperforming the Zacks S&P 500 composite's +0.8% change [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential for outperformance in the near term [3]