Ameris Bancorp Reports Strong Q4 & Record Full Year 2025 Results with EPS Growth, Margin Expansion, and Improved Efficiency

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Ameris Bancorp delivered a robust financial performance for both the fourth quarter and the full year 2025, marked by significant growth in net income and diluted EPS. The company demonstrated strong operational discipline, achieving notable improvements in its efficiency ratio and expanding its net interest margin. This solid performance, coupled with healthy capital levels and continued tangible book value growth, reinforces a positive outlook for the bank. Investors should note the slight increase in net charge-offs and non-performing assets in Q4, though the full-year trend for NCOs improved, and a portion of NPAs are government-guaranteed with minimal loss exposure. The company's strategic share repurchases further underscore its commitment to shareholder value.

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• Strong Q4 and Full Year 2025 Financial Performance

  Ameris Bancorp reported net income of $108.4 million, or $1.59 per diluted share, for Q4 2025, a 15% increase from Q4 2024. Full year 2025 net income reached $412.2 million, or $6.00 per diluted share, up 16% from 2024, driven by a 10.3% increase in net interest income.

• Significant Efficiency Ratio Improvement

  The company's efficiency ratio improved to 46.59% in Q4 2025, a notable reduction from 52.26% in Q4 2024, reflecting disciplined expense control and positive operating leverage.

• Robust Capital and Tangible Book Value Growth

  Tangible book value per share grew by $1.28 in Q4 2025, an 11.8% annualized increase, reaching $44.18. For the full year, tangible book value per share increased by 14.5%, and the tangible common equity (TCE) ratio strengthened to 11.37% from 10.59% a year ago.

• Net Interest Margin Expansion

  Net interest margin (tax-equivalent) expanded by five basis points to 3.85% in Q4 2025, and by 21 basis points compared to Q4 2024, primarily due to decreased deposit costs and subordinated debt redemptions.

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Ameris Bancorp delivered a robust financial performance for both the fourth quarter and the full year 2025, marked by significant growth in net income and diluted EPS. The company demonstrated strong operational discipline, achieving notable improvements in its efficiency ratio and expanding its net interest margin. This solid performance, coupled with healthy capital levels and continued tangible book value growth, reinforces a positive outlook for the bank. Investors should note the slight increase in net charge-offs and non-performing assets in Q4, though the full-year trend for NCOs improved, and a portion of NPAs are government-guaranteed with minimal loss exposure. The company's strategic share repurchases further underscore its commitment to shareholder value.