secwatch.observer — SEC 8-K summary
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Issuer:     Ameris Bancorp (ABCB)
CIK:        0000351569
Form:       8-K
Filed at:   2025-01-30T23:59:59+00:00
Accession:  0000351569-25-000002
Event type: earnings
Sentiment:  positive
Materiality: 0.80
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/351569/000035156925000002/0000351569-25-000002-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/351569/000035156925000002/abcb-20250130.htm
  HTML page:      https://secwatch.observer/filing/0000351569-25-000002

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer