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Ameris Bancorp: Business Overview, Financials & Competitive Analysis

Ameris Bancorp scores 7/10 on the AskCyborg Cyborg Score (Strong). Disciplined execution in high-growth Southeast markets with stable asset quality and strategic focus on organic growth positions Ameris well for 2026. Ameris delivered record full-year profitability with diluted EPS at $6 (15% increase) and double-digit EPS growth, with tangible book value improvements driven by disciplined expense management and positive operating.

What is Ameris Bancorp's industry? Ameris Bancorp (amerisbank.com) operates in Regional Banking - Southeastern United States. AskCyborg classifies Ameris Bancorp under Regional Banking - Southeastern United States in its company registry.

Ameris Bancorp operates as the bank holding company for Ameris Bank, offering banking products and services to retail and commercial customers in Georgia, Alabama, northern Florida, and South Carolina. The company rep...

7/ 10Strong

Cyborg Score thesis

Disciplined execution in high-growth Southeast markets with stable asset quality and strategic focus on organic growth positions...

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Industry Regional Banking - Southeastern United States
3 named competitors
3 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: November 2, 2026
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What's in This Report
Ameris Bancorp OverviewStrategic ProfileCompetitive LandscapeIndustry ContextKey facts
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Ameris Bancorp Overview

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Ameris Bancorp operates as the bank holding company for Ameris Bank, offering banking products and services to retail and commercial customers in Georgia, Alabama, northern Florida, and South Carolina. The company reported record earnings for 2025 at over $412 million with diluted EPS hitting $6 per share for the first time in its history.

Strategic Profile

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Management anticipates mid-single-digit growth in both loans and core deposits, driven by organic expansion in high-growth Southeastern markets and strategic emphasis on relationship banking and treasury management. The company is driven by steady loan growth, improved operating efficiency, and stable asset quality, with total noninterest expense declining year-over-year largely due to lower compensation and marketing costs.

Competitive Landscape

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Ameris Bancorp competes as a mid-size regional bank in the Southeastern U.S., competing against larger national banks and regional rivals for deposits and loans. The company differentiates through focused market presence in high-growth Southeast markets and emphasis on relationship banking rather than aggressive pricing. Analysts note 50% of analysts recommend Buy, 17% recommend Strong Buy, and 33% suggest holding.

Industry Context

Ameris Bancorp operates in Regional Banking - Southeastern United States.

Key facts

Founded: 2006 · Headquarters: Moultrie, Georgia · Employees: 1001-5000 · Revenue: $1.24B · Market cap: $4.17B

What the AI analysts debated

AI-generated and not independently verified: selected findings from the multi-agent debate on Ameris Bancorp.

  • Tangible book value per share increased $5.59 for the full year (14.5%), with return on assets of 1.54%, up from 1.38% last year.
  • Net interest margin expanded to 3.85% in Q4, supported by improved funding costs and payoff of subordinated debt.
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Recent developments

Material events tracked by the AskCyborg corpus.

  • January 2026Record 2025 earnings of $412 million with diluted EPS of $6 per share.
  • January 2026Net interest margin expanded five basis points sequentially to 3.85% for Q4.
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Named competitors

Pulled from the analyst-debate framework. Click any competitor to see their Cyborg Score.

BB&TLarge regional bank competitor in Southeast→SouthState BankRegional competitor in Southeast markets→ServisFirst BancsharesSoutheast regional bank competitor→

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Industry context

Ameris Bancorp operates in Regional Banking - Southeastern United States. See how the rest of the sector scores on the Cyborg framework.

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Frequently asked questions

What does Ameris Bancorp do?+
Ameris Bancorp operates as the bank holding company for Ameris Bank, offering banking products and services to retail and commercial customers in Georgia, Alabama, northern Florida, and South Carolina. The company rep...
What is Ameris Bancorp's Cyborg Score?+
Ameris Bancorp has a Cyborg Score of 7/10 (Strong). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are Ameris Bancorp's main competitors?+
Named competitors include BB&T, SouthState Bank, ServisFirst Bancshares. The full competitive landscape is in the AskCyborg report.
How can I get the full Ameris Bancorp research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
How current is the Ameris Bancorp research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

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