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AI brief of an SEC Form 8-K · Ameris Bancorp (ABCB)

Ameris Bancorp Q1 net income $87.9 million, up from $74.3 million a year earlier

Mixed Impact 3 of 5 earnings Written later

Ameris Bancorp reported first-quarter 2025 net income of $87.9 million, or $1.27 per diluted share, up from $74.3 million, or $1.08 per diluted share, in the first quarter of 2024, but down from $94.4 million, or $1.37 per diluted share, in the fourth quarter of 2024. Net interest margin widened to 3.73%, while noninterest income fell to $64.0 million from $69.0 million in the prior quarter. Tangible book value per share rose $1.19 to $39.78, and the company repurchased 253,400 shares during the quarter.

Key points

  • Net income $87.9 million, or $1.27 diluted EPS, versus $74.3 million, or $1.08, in Q1 2024 and $94.4 million, or $1.37, in Q4 2024
  • Net interest margin of 3.73%, up 22 basis points from 3.51% in Q1 2024; net interest income (TE) of $222.8 million
  • Provision for credit losses of $21.9 million, compared with $12.8 million in Q4 2024; noninterest income of $64.0 million versus $69.0 million
  • Tangible book value per share of $39.78, up $1.19 in the quarter; 253,400 shares repurchased; earnings call set for 9:00 a.m. Eastern on April 29, 2025

The filing

CompanyAmeris Bancorp (ABCB)
Form8-K, current report
Filed with the SECApr 28, 2025, 4:21 PM ET
Accession number0000351569-25-000008

Items reported: 2.02 Results of Operations7.01 Regulation FD Disclosure

Read the filing on SEC.gov ↗

Written by AI on Nov 8, 2026, 1:05 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on April 28, 2025.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.