Ameris Bancorp Q4 net income $108.4M ($1.59 EPS); full-year record $412.2M

Ameris Bancorp

2025-FY EPS reported $6.00

Q4 net income $108.4M ($1.59 diluted EPS) vs $94.4M ($1.37) a year ago; FY net income $412.2M ($6.00) vs $358.7M ($5.19).
Net interest margin (TE) expanded 5 bps to 3.85% in Q4; FY NIM 3.79% vs 3.56% in 2024.
Loans grew $255M (4.8% annualized) in Q4; deposits increased $147.9M; TCE ratio improved to 11.37%.
Share repurchases of $40.8M (563,798 shares) in Q4; tangible book value grew $1.28/share to $44.18.
Net charge-off ratio 0.26% in Q4; allowance for loan losses stable at 1.62% of loans.

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