---
schema_version: "secwatch.filing_event.v1"
accession: "0000351569-25-000002"
form_type: "8-K"
ticker: "ABCB"
cik: "0000351569"
company_name: "Ameris Bancorp"
filed_at: "2025-01-30T23:59:59+00:00"
generated_at: "2026-05-27T05:57:12.809516+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Ameris Bancorp Q4 2024 EPS $1.37; NIM expands to 3.64%; dividend up 33% to $0.20

## Summary
- Net income $94.4M ($1.37 diluted EPS) vs $65.9M ($0.96) YoY; adjusted EPS $1.38.
- Net interest margin (TE) expanded 13bps to 3.64% in Q4; deposit costs decreased 27bps.
- Tangible book value up $4.95/share to $38.59 (14.7% YoY); TCE ratio 10.59%.
- Dividend raised 33% to $0.20 per common share; no share repurchases in Q4.
- Credit quality: provision $12.8M; net charge-offs 0.17% annualized; NPA ratio 0.47%.

## SEC filing metadata
- accession: 0000351569-25-000002
- form_type: 8-K
- ticker: ABCB
- cik: 0000351569
- company_name: Ameris Bancorp
- filed_at: 2025-01-30T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/351569/000035156925000002/0000351569-25-000002-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/351569/000035156925000002/abcb-20250130.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000351569-25-000002
- JSON: https://secwatch.observer/filing/0000351569-25-000002.json
- Plain text: https://secwatch.observer/filing/0000351569-25-000002.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.