Monitor next quarter for sustained margin expansion and loan growth trends, as the strong results and active share repurchases signal confidence in continued profitability.
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Executive Summary
Ameris Bancorp reported strong Q1 2026 results with net income of $110.5 million ($1.63 diluted EPS), a 28% year-over-year increase, driven by net interest margin expansion, loan growth, and improved efficiency. The company also repurchased $74.9 million in shares.
Key Financial Metrics
Key Facts
- Net income of $110.5 million, or $1.63 per diluted share, up 28% YoY
- Net interest margin expanded 3 bps to 3.88%
- Loan growth of $314.5 million (5.9% annualized)
- Efficiency ratio improved to 49.97% from 52.83% YoY
- Share repurchases totaled $74.9 million in the quarter
Financial Impact
Net income up 28% YoY, net interest margin expanded to 3.88%, efficiency ratio improved to 49.97%
Risk Factors
- Potential margin compression if interest rates decline
- Credit quality deterioration in commercial real estate portfolio
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 7 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0000351569-26-000079 |
| Document: a1q26earningspresentatio.htm | 0000351569-26-000079 |
| Document: abcb-20260423.htm | 0000351569-26-000079 |
| Document: 0000351569-26-000079-index-headers.html | 0000351569-26-000079 |
| Document: 0000351569-26-000079-index.html | 0000351569-26-000079 |
| Document: 0000351569-26-000079.txt | 0000351569-26-000079 |
| 8-K Data (Synthetic) | 0000351569-26-000079 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 22, 2026 4d ago | 8-K | $82.63 | awaiting T+5 | — | $82.69 (+0.07%) |
Aug 8, 2026 11w ago | Institutional Cluster | $87.57 $89.04 | ▲ +1.68% | ▲ +1.73% | $82.69 (−5.57%) |
Jun 12, 2026 19w ago | 8-K | $87.85 $87.36 | ▲ +0.56% | ▼ −0.83% | $82.69 (+5.87%) |
May 21, 2026 22w ago | S-3ASR | $84.69 $83.19 | ▼ −1.77% | ▼ −3.43% | $82.69 (−2.36%) |
Apr 23, 2026 26w ago | 8-K | $84.89 $85.25 | ▲ +0.42% | ▼ −0.49% | $82.69 (−2.59%) |
Apr 7, 2026 28w ago | DEFA14A | $79.59 $82.84 | ▲ +4.08% | ▼ −1.25% | $82.69 (+3.89%) |
Feb 24, 2026 34w ago | 8-K | $80.67 $79.22 | ▼ −1.79% | ▼ −0.69% | $82.69 (+2.51%) |
Feb 23, 2026 35w ago | Insider Cluster | $79.14 $79.13 | ▼ −0.01% | ▲ +1.02% | $82.69 (+4.48%) |
Feb 24, 2026 35w ago | Insider Cluster | $79.14 $79.13 | ▲ +0.01% | ▼ −1.02% | $82.69 (−4.48%) |
Feb 24, 2026 35w ago | Insider Cluster | $79.14 $79.13 | ▲ +0.01% | ▼ −1.02% | $82.69 (−4.48%) |
US Market Status
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