Sep 2026 (Q3 FY26) — Oct 23, 2026
Ameris Bancorp Q3 FY26 — Record EPS and Strong Profitability
Read the full callAmeris Bancorp earnings: last reported Fri, 23 Oct 2026, for the quarter ended Sep 2026.
Reported
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | Quarterly, as filed | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Operating margin | Operating profit / revenue | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Net profit | 51.4 | −53.2% YoY | Quarterly, as filed | Quarter to Jun 2026 | Profit after tax as filed. |
Guidance
7 of 9 judged targets kept · 21 open · verdicts reflect calls analysed to Sep 2026.
| Target | Original wording | Said | Latest call | Verdict |
|---|---|---|---|---|
| Net Interest Margin | decline just a few basis points | Jun 2026 | We were pleased with our net interest margin of 3.87% just 1 basis point below the 388 we reported last quarter. | Achieved |
| Efficiency ratio | slightly above 50% | Mar 2026 | Our adjusted efficiency ratio improved to 49.15% this quarter from 50.42% last quarter as we saw an increase in revenue and a decrease in expenses. | Diluted |
| Loan and deposit growth | mid-single-digit range | Dec 2025 | We project loan and deposit growth in the mid-single-digit range near term and expect that longer-term deposit growth will be the governor of loan growth. | On Track |
2 of Ameris Bancorp's 30 targets were missed. See which ones, and which are quietly gone. The 3 above are the free sample; 27 more targets are in the full ledger.
Claimed
Qualified
Price
1Y: $73.08 on 22 Oct 2025 → $82.63. High $93.17 (16 Jul 2026), low $70.43 (17 Nov 2025).
Overview
Guidance
7 of 9 judged targets kept · 21 open · verdicts reflect calls analysed to Sep 2026.
| Target | Original wording | Said | Latest call | Verdict |
|---|---|---|---|---|
| Net Interest Margin | decline just a few basis points | Jun 2026 | We were pleased with our net interest margin of 3.87% just 1 basis point below the 388 we reported last quarter. | Achieved |
| Efficiency ratio | slightly above 50% | Mar 2026 | Our adjusted efficiency ratio improved to 49.15% this quarter from 50.42% last quarter as we saw an increase in revenue and a decrease in expenses. | Diluted |
| Loan and deposit growth | mid-single-digit range | Dec 2025 | We project loan and deposit growth in the mid-single-digit range near term and expect that longer-term deposit growth will be the governor of loan growth. | On Track |
Claimed
Qualified
The full ledger
A free account opens 5 company ledgers a month. All 30 tracked commitments, with each call’s wording and source.
Call summaries
Ameris Bancorp Q3 FY26 — Record EPS and Strong Profitability
Read the full callAmeris Bancorp Q2 FY26 — Strong Profitability and Capital Amidst Strategic Growth
Read the full callAmeris Bancorp Q1 FY26 — Strong Profitability and Capital Management
Read the full callEvery analysed call
Financials
Net profit, year on year: −53% (quarter to jun 2026 against jun 2025).
| Line item | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Profit before tax | 126 | 126 | 113 | 143 | 137 | 141 | 141 | 66 |
| Tax rate | 21.2% | 25.1% | 22.1% | 23.0% | 22.6% | 23.2% | 21.5% | 22.1% |
| Net profit | 99 | 94 | 88 | 110 | 106 | 108 | 110 | 51 |
| EPS ($ per share) | 1.44 | — | 1.28 | 1.60 | 1.55 | — | 1.64 | 0.77 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Equity capital | 49 | 72 | 72 | 72 | 72 | 73 | 73 | 73 |
| Reserves | 377 | 508 | 672 | 1,006 | 1,311 | 1,540 | 1,853 | 2,210 |
| Total liabilities | 9,987 | 15,773 | 17,792 | 20,892 | 21,856 | 21,777 | 22,511 | 23,440 |
| Fixed assets | 145 | 233 | 223 | 225 | 220 | 216 | 209 | 213 |
| Total assets | 11,444 | 18,243 | 20,439 | 23,858 | 25,053 | 25,204 | 26,262 | 27,516 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Cash from operations | -109 | -940 | 798 | 9 | 1,062 | 569 | 154 | 390 |
| Cash from investing | -53 | -487 | -1,201 | -421 | -4,875 | -338 | -847 | -1,303 |
| Cash from financing | 511 | 1,370 | 1,898 | 2,359 | 866 | -182 | 746 | 781 |
| Net cash flow | 349 | -58 | 1,495 | 1,947 | -2,947 | 49 | 53 | -131 |
| Capital expenditure | -10 | -12 | -18 | -25 | -14 | -18 | -13 | -21 |
| Free cash flow | -119 | -952 | 780 | -16 | 1,049 | 551 | 141 | 370 |
| KPI | Mar 2026 Q1 FY26 | Jun 2026 Q2 FY26 | Sep 2026 Q3 FY26 | Change vs prior quarter |
|---|---|---|---|---|
| Common equity tier 1 ratio (CET1) | ~13%Capital levels remain robust with CET1 finishing at roughly 13% and our TCE ratio slightly above 11%.Source: earnings call transcript | 12.8%Capital levels finished the second quarter strong with TCE at 11%, CET1 at 12.8%.Source: earnings call transcript | — | — |
| Return on tangible common equity (ROTCE) | 14.75%Our PPNR ROA was 2.3%, and our return on tangible common equity was 14.75% for the quarter.Source: earnings call transcript | — | 15.01%Our PPNR ROA was $2.27, and our return on tangible common equity was 15.01% for the quarter.Source: earnings call transcript | — |
| Net interest margin | 3.88%Our net interest margin expanded 3 basis points to a strong 3.88%.Source: earnings call transcript | — | 3.87%During the quarter, we experienced good organic growth and average earning assets at approximately 5% annualized and deposits at 6% annualized -- and importantly, we were able to drive this growth while protecting our above-average margin of 3.87% in the quarter.Source: earnings call transcript | — |
Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.
75 filings between Nov 7, 2025 and Sep 14, 2026.
Purchases
$23.7K
1 purchase by 1 insider
Sales
$14.8K
6 sales by 4 insiders
Also filed: 7 gifts.
| Insider | Bought | Sold | Last filing |
|---|---|---|---|
| STERN WILLIAM H | $23.7K | — | Dec 8, 2025 |
| Strange Douglas D | — | $14.7K | Feb 24, 2026 |
| Creasy Ross L | — | $42 | Feb 24, 2026 |
| Stokes Nicole S | — | $42 | Feb 24, 2026 |
| HILL LEO J | — | $26 | Mar 9, 2026 |
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| Sep 14, 2026 | Bullard Rodney D Director | Award | 221 | $18.7K |
| Sep 14, 2026 | STERN WILLIAM H Director | Award | 279 | $23.7K |
| Aug 19, 2026 | Strange Douglas D Chief Credit Officer | Gift | 120 | $0 |
| Aug 18, 2026 | MILLER JAMES B JR Director | Gift | 22,279 | $0 |
| Aug 18, 2026 | MILLER JAMES B JR Director | Gift | 22,279 | $0 |
| Jun 22, 2026 | STERN WILLIAM H Director | Award | 272 | $23.7K |
| Jun 22, 2026 | Bullard Rodney D Director | Award | 214 | $18.7K |
| May 21, 2026 | STERN WILLIAM H Director | Award | 1,003 | $0 |
| May 21, 2026 | MILLER JAMES B JR Director | Award | 1,003 | $0 |
| May 21, 2026 | HILL LEO J Director | Award | 1,003 | $0 |
| May 21, 2026 | Bullard Rodney D Director | Award | 1,003 | $0 |
| May 21, 2026 | JETER DANIEL B Director | Award | 1,003 | $0 |
| May 21, 2026 | Choate William Millard Director | Award | 1,003 | $0 |
| May 21, 2026 | Bowen William I. Jr. Director | Award | 1,003 | $0 |
| May 21, 2026 | LYNCH ROBERT P Director | Award | 1,003 | $0 |
| May 21, 2026 | McLean Claire E Director | Award | 1,003 | $0 |
| May 6, 2026 | PROCTOR H PALMER JR CEO | Gift | 8,906 | $0 |
| Apr 29, 2026 | Strange Douglas D Chief Credit Officer | Gift | 710 | $0 |
| Mar 9, 2026 | HILL LEO J Director | Sale | 0 | $24 |
| Mar 9, 2026 | HILL LEO J Director | Sale | 0 | $2 |
| Feb 24, 2026 | McKendry William D Chief Risk Officer | Tax withheld | 615 | $48.8K |
| Feb 24, 2026 | Stokes Nicole S CFO | Tax withheld | 738 | $58.6K |
| Feb 24, 2026 | PROCTOR H PALMER JR CEO | Tax withheld | 3,198 | $253.8K |
| Feb 24, 2026 | Strange Douglas D Chief Credit Officer | Tax withheld | 780 | $61.9K |
| Feb 24, 2026 | Pierson Michael T Chief Governance Officer | Tax withheld | 615 | $48.8K |
| Feb 24, 2026 | Spencer Jody L Chief Legal Officer | Tax withheld | 615 | $48.8K |
| Feb 24, 2026 | LaHaise James A Chief Strategy Officer | Tax withheld | 738 | $58.6K |
| Feb 24, 2026 | Creasy Ross L Chief Information Officer | Tax withheld | 615 | $48.8K |
| Feb 24, 2026 | Bassett Lawton E III Bank President | Tax withheld | 615 | $48.8K |
| Feb 24, 2026 | Strange Douglas D Chief Credit Officer | Sale | 1 | $47 |
| Feb 24, 2026 | Stokes Nicole S CFO | Sale | 1 | $42 |
| Feb 24, 2026 | Creasy Ross L Chief Information Officer | Sale | 1 | $42 |
| Feb 21, 2026 | Bassett Lawton E III Bank President | Tax withheld | 1,098 | $91.9K |
| Feb 21, 2026 | LaHaise James A Chief Strategy Officer | Tax withheld | 1,318 | $110.4K |
| Feb 21, 2026 | Strange Douglas D Chief Credit Officer | Tax withheld | 842 | $70.5K |
| Feb 21, 2026 | Stokes Nicole S CFO | Tax withheld | 1,318 | $110.4K |
| Feb 21, 2026 | Spencer Jody L Chief Legal Officer | Tax withheld | 1,098 | $91.9K |
| Feb 21, 2026 | Pierson Michael T Chief Governance Officer | Tax withheld | 1,098 | $91.9K |
| Feb 21, 2026 | Creasy Ross L Chief Information Officer | Tax withheld | 1,098 | $91.9K |
| Feb 21, 2026 | PROCTOR H PALMER JR CEO | Tax withheld | 6,149 | $514.9K |
| Feb 21, 2026 | McKendry William D Chief Risk Officer | Tax withheld | 1,098 | $91.9K |
| Feb 20, 2026 | Creasy Ross L Chief Information Officer | Award | 16,661 | $0 |
| Feb 20, 2026 | Strange Douglas D Chief Credit Officer | Award | 10,152 | $0 |
| Feb 20, 2026 | Stokes Nicole S CFO | Award | 27,470 | $0 |
| Feb 20, 2026 | PROCTOR H PALMER JR CEO | Award | 35,830 | $0 |
| Feb 20, 2026 | Spencer Jody L Chief Legal Officer | Award | 11,108 | $0 |
| Feb 20, 2026 | Pierson Michael T Chief Governance Officer | Award | 10,510 | $0 |
| Feb 20, 2026 | Bassett Lawton E III Bank President | Award | 18,811 | $0 |
| Feb 19, 2026 | LaHaise James A Chief Strategy Officer | Tax withheld | 6,641 | $550.7K |
| Feb 19, 2026 | LaHaise James A Chief Strategy Officer | Award | 14,910 | $0 |
Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.
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