---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-24-006691"
form_type: "8-K"
ticker: "ABCB"
cik: "0000351569"
company_name: "Ameris Bancorp"
filed_at: "2024-01-25T23:59:59+00:00"
generated_at: "2026-06-06T18:39:35.711904+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Ameris Bancorp Q4 net income $65.9M ($0.96 EPS) vs $82.2M a year ago; FY 2023 EPS $3.89 vs $4.99

## Summary
- Q4 2023 net income $65.9M ($0.96 diluted EPS) vs $82.2M ($1.18) in Q4 2022; adjusted EPS $1.07.
- Full year 2023 net income $269.1M ($3.89 diluted EPS) vs $346.5M ($4.99) in 2022; adjusted EPS $4.00.
- Tangible book value per share grew 12.4% to $33.64 at Dec 31, 2023.
- Allowance for credit losses increased to 1.52% of loans (from 1.04%) due to CRE conditions.
- Total deposits grew 6.4% ($1.25B); net interest margin stable at 3.54% in Q4.

## SEC filing metadata
- accession: 0001104659-24-006691
- form_type: 8-K
- ticker: ABCB
- cik: 0000351569
- company_name: Ameris Bancorp
- filed_at: 2024-01-25T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/351569/000110465924006691/0001104659-24-006691-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/351569/000110465924006691/tm244153d1_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-24-006691
- JSON: https://secwatch.observer/filing/0001104659-24-006691.json
- Plain text: https://secwatch.observer/filing/0001104659-24-006691.txt

## Key facts
- Earnings Releases
  Ameris Bancorp reported financial results for the quarter and fiscal year ended December 31, 2023.
  - Period: the quarter and fiscal year ended December 31, 2023
  - Result: reported results
  source text: On January 25, 2024, Ameris Bancorp (the “Company”) issued a press release announcing its unaudited financial results for the quarter and fiscal year ended December 31, 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/351569/000110465924006691/0001104659-24-006691-index.htm

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