Ameris Historical Income Statement

ABCB Stock

USD 71.79 2.05 2.94%

Historical analysis of Ameris Bancorp income statement accounts such as Interest Expense of 467.7 M, Selling General Administrative of 364.4 M or Total Revenue of 984 M can show how well Ameris Bancorp performed in making a profits. Evaluating Ameris Bancorp income statement over time to spot trends is a great complementary tool to traditional technical analysis and can indicate the direction of Ameris Bancorp's future profits or losses.

Cash Flow Balance Sheet Income Statement

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Financial Statement Analysis is much more than just reviewing and examining Ameris Bancorp latest accounting reports to predict its past. Macroaxis encourages investors to analyze financial statements over time for various trends across multiple indicators and accounts to determine whether Ameris Bancorp is a good buy for the upcoming year.

Net Income Gross Profit

Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Ameris Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in main economic indicators.

For information on how to trade Ameris Stock refer to our How to Trade Ameris Stock guide.

About Ameris Income Statement Analysis

Ameris Bancorp Income Statement consists of revenues and expenses along with the resulting net income or loss. It represents the profit for the accounting period attributable to Ameris Bancorp shareholders. The income statement also shows Ameris investors and management if the firm made money during the period reported. The result of an income statement is the net income that is calculated after subtracting the expenses from revenue. It is essential to investors both as an absolute measure as well as earnings per share (i.e., EPS).

Ameris Bancorp Income Statement Chart

At present, Ameris Bancorp's Depreciation And Amortization is projected to increase significantly based on the last few years of reporting. The current year's Interest Expense is expected to grow to about 467.7 M, whereas Operating Income is projected to grow to (29 M).

Selling General Administrative Total Revenue Gross Profit Other Operating Expenses Preferred Stock And Other Adjustments

Total Revenue

Total revenue comprises all receipts Ameris Bancorp generated from the sale of its products or services. The total amount of income generated by the sale of goods or services related to the company's primary operations.

Gross Profit

Gross profit is a required income statement account that reflects total revenue of Ameris Bancorp minus its cost of goods sold. It is profit before Ameris Bancorp operating expenses, interest payments and taxes. Gross profit is also known as gross margin. The profit a company makes after deducting the costs associated with making and selling its products, or the costs associated with providing its services.

Other Operating Expenses

Other Operating Expenses is the expense which generally does not depend on sales or production quantities of Ameris Bancorp. It is also known as Ameris Bancorp overhead expenses. Typically these expenses include marketing, rent and utilities, office, leases, and other overhead cost. Expenses incurred from non-core business activities, including administrative and general expenses, but excluding costs directly related to production.

Most accounts from Ameris Bancorp's income statement are interrelated and interconnected. However, analyzing income statement accounts one by one will only give a small insight into Ameris Bancorp current financial condition. On the other hand, looking into the entire matrix of income statement accounts, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Ameris Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in main economic indicators.

For information on how to trade Ameris Stock refer to our How to Trade Ameris Stock guide.At present, Ameris Bancorp's Depreciation And Amortization is projected to increase significantly based on the last few years of reporting. The current year's Interest Expense is expected to grow to about 467.7 M, whereas Operating Income is projected to grow to (29 M).

	2021	2022	2023	2024 (projected)
Interest Expense	47.8M	92.9M	445.4M	467.7M
Depreciation And Amortization	47.9M	50.8M	48.7M	51.2M

Interest Expense Depreciation And Amortization

Ameris Bancorp income statement Correlations

	Depreciation And Amortization	Interest Expense	Selling General Administrative	Total Revenue	Gross Profit	Other Operating Expenses	Operating Income	Ebit	Ebitda	Total Operating Expenses	Income Before Tax	Total Other Income Expense Net	Net Income	Income Tax Expense	Cost Of Revenue	Selling And Marketing Expenses	Net Income From Continuing Ops	Non Recurring	Tax Provision	Net Interest Income	Interest Income	Reconciled Depreciation	Extraordinary Items
Depreciation And Amortization		0.64	0.98	0.99	0.94	0.9	0.52	0.5	0.59	0.07	0.95	0.51	0.95	0.93	-0.94	0.93	0.91	0.78	0.91	0.95	0.91	0.75	0.45
Interest Expense	0.64		0.68	0.6	0.84	0.89	-0.27	-0.28	-0.19	0.8	0.56	0.93	0.55	0.56	-0.57	0.76	0.37	0.45	0.46	0.64	0.72	0.66	0.92
Selling General Administrative	0.98	0.68		0.99	0.97	0.93	0.47	0.46	0.54	0.15	0.96	0.52	0.96	0.94	-0.91	0.92	0.9	0.74	0.91	0.94	0.9	0.73	0.51
Total Revenue	0.99	0.6	0.99		0.93	0.88	0.58	0.56	0.64	0.04	0.97	0.45	0.97	0.96	-0.92	0.93	0.93	0.77	0.93	0.95	0.9	0.69	0.42
Gross Profit	0.94	0.84	0.97	0.93		0.98	0.26	0.25	0.34	0.39	0.9	0.7	0.9	0.9	-0.86	0.95	0.79	0.7	0.84	0.91	0.91	0.73	0.7
Other Operating Expenses	0.9	0.89	0.93	0.88	0.98		0.14	0.12	0.22	0.46	0.83	0.76	0.83	0.82	-0.83	0.91	0.73	0.68	0.75	0.86	0.88	0.8	0.75
Operating Income	0.52	-0.27	0.47	0.58	0.26	0.14		1.0	1.0	-0.71	0.63	-0.38	0.63	0.61	-0.5	0.39	0.71	0.48	0.68	0.51	0.37	0.05	-0.41
Ebit	0.5	-0.28	0.46	0.56	0.25	0.12	1.0		0.99	-0.71	0.62	-0.39	0.62	0.59	-0.47	0.38	0.69	0.47	0.67	0.5	0.35	0.03	-0.42
Ebitda	0.59	-0.19	0.54	0.64	0.34	0.22	1.0	0.99		-0.65	0.69	-0.3	0.69	0.67	-0.56	0.46	0.76	0.53	0.73	0.58	0.44	0.12	-0.33
Total Operating Expenses	0.07	0.8	0.15	0.04	0.39	0.46	-0.71	-0.71	-0.65		0.05	0.78	0.04	0.07	-0.02	0.28	-0.18	-0.02	-0.03	0.12	0.24	0.2	0.86
Income Before Tax	0.95	0.56	0.96	0.97	0.9	0.83	0.63	0.62	0.69	0.05		0.41	1.0	0.99	-0.89	0.91	0.92	0.73	0.98	0.94	0.87	0.54	0.4
Total Other Income Expense Net	0.51	0.93	0.52	0.45	0.7	0.76	-0.38	-0.39	-0.3	0.78	0.41		0.41	0.41	-0.54	0.64	0.18	0.32	0.32	0.51	0.6	0.57	0.85
Net Income	0.95	0.55	0.96	0.97	0.9	0.83	0.63	0.62	0.69	0.04	1.0	0.41		0.98	-0.9	0.91	0.92	0.72	0.97	0.94	0.87	0.55	0.39
Income Tax Expense	0.93	0.56	0.94	0.96	0.9	0.82	0.61	0.59	0.67	0.07	0.99	0.41	0.98		-0.87	0.9	0.92	0.76	0.98	0.91	0.85	0.51	0.41
Cost Of Revenue	-0.94	-0.57	-0.91	-0.92	-0.86	-0.83	-0.5	-0.47	-0.56	-0.02	-0.89	-0.54	-0.9	-0.87		-0.85	-0.84	-0.6	-0.86	-0.91	-0.87	-0.73	-0.4
Selling And Marketing Expenses	0.93	0.76	0.92	0.93	0.95	0.91	0.39	0.38	0.46	0.28	0.91	0.64	0.91	0.9	-0.85		0.79	0.76	0.86	0.93	0.91	0.64	0.59
Net Income From Continuing Ops	0.91	0.37	0.9	0.93	0.79	0.73	0.71	0.69	0.76	-0.18	0.92	0.18	0.92	0.92	-0.84	0.79		0.75	0.94	0.9	0.83	0.62	0.26
Non Recurring	0.78	0.45	0.74	0.77	0.7	0.68	0.48	0.47	0.53	-0.02	0.73	0.32	0.72	0.76	-0.6	0.76	0.75		0.74	0.74	0.74	0.56	0.36
Tax Provision	0.91	0.46	0.91	0.93	0.84	0.75	0.68	0.67	0.73	-0.03	0.98	0.32	0.97	0.98	-0.86	0.86	0.94	0.74		0.92	0.85	0.48	0.35
Net Interest Income	0.95	0.64	0.94	0.95	0.91	0.86	0.51	0.5	0.58	0.12	0.94	0.51	0.94	0.91	-0.91	0.93	0.9	0.74	0.92		0.98	0.7	0.55
Interest Income	0.91	0.72	0.9	0.9	0.91	0.88	0.37	0.35	0.44	0.24	0.87	0.6	0.87	0.85	-0.87	0.91	0.83	0.74	0.85	0.98		0.75	0.66
Reconciled Depreciation	0.75	0.66	0.73	0.69	0.73	0.8	0.05	0.03	0.12	0.2	0.54	0.57	0.55	0.51	-0.73	0.64	0.62	0.56	0.48	0.7	0.75		0.56
Extraordinary Items	0.45	0.92	0.51	0.42	0.7	0.75	-0.41	-0.42	-0.33	0.86	0.4	0.85	0.39	0.41	-0.4	0.59	0.26	0.36	0.35	0.55	0.66	0.56

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Ameris Bancorp Account Relationship Matchups

Ameris Bancorp income statement Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Depreciation And Amortization	41.1M	55.1M	47.9M	50.8M	48.7M	51.2M
Interest Expense	131.2M	88.8M	47.8M	92.9M	445.4M	467.7M
Selling General Administrative	223.9M	360.3M	337.8M	319.7M	347.1M	364.4M
Total Revenue	699.2M	1.1B	1.0B	1.1B	937.1M	984.0M
Gross Profit	699.2M	1.1B	1.0B	1.1B	1.5B	1.6B
Other Operating Expenses	487.6M	738.9M	521.2M	539.5M	1.0B	1.1B
Operating Income	211.6M	340.2M	496.1M	546.0M	(30.5M)	(29.0M)
Ebit	188.2M	304.7M	463.1M	514.9M	(30.5M)	(29.0M)
Ebitda	229.3M	359.9M	511.1M	565.7M	18.2M	17.3M
Total Operating Expenses	(487.6M)	(738.9M)	(521.2M)	(539.5M)	1.0B	1.1B
Income Before Tax	211.6M	340.2M	496.1M	453.1M	356.9M	374.8M
Total Other Income Expense Net	211.6M	(75.1M)	(10.3M)	(7.2M)	356.9M	374.8M
Net Income	161.4M	262.0M	376.9M	346.5M	269.1M	282.6M
Income Tax Expense	50.1M	78.3M	119.2M	106.6M	87.8M	92.2M
Net Income Applicable To Common Shares	161.4M	262.0M	376.9M	346.5M	398.5M	418.4M
Selling And Marketing Expenses	7.9M	8.0M	8.4M	12.5M	11.9M	12.4M
Net Income From Continuing Ops	161.4M	418.5M	376.9M	346.5M	285.4M	178.3M
Tax Provision	50.1M	78.3M	119.2M	106.6M	85.7M	69.7M
Net Interest Income	505.2M	637.8M	655.3M	801.0M	853.1M	544.0M
Interest Income	636.4M	726.5M	703.1M	893.9M	1.2B	650.1M
Reconciled Depreciation	41.1M	55.1M	15.0M	19.7M	49.7M	33.5M

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When determining whether Ameris Bancorp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Ameris Bancorp's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Ameris Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Ameris Bancorp Stock:

How To Invest In Ameris

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Is Ameris Stock a good investment?

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What is Ameris Bancorp's Net Worth?

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Largest Regional Banks Companies

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Largest Banks - Regional Companies

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For information on how to trade Ameris Stock refer to our How to Trade Ameris Stock guide.

You can also try the Portfolio Comparator module to compare the composition, asset allocations and performance of any two portfolios in your account.

Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Ameris Bancorp. If investors know Ameris will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Ameris Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

0.241

Dividend Share

0.6

Earnings Share

4.78

Revenue Per Share

15.214

Quarterly Revenue Growth

0.127

The market value of Ameris Bancorp is measured differently than its book value, which is the value of Ameris that is recorded on the company's balance sheet. Investors also form their own opinion of Ameris Bancorp's value that differs from its market value or its book value, called intrinsic value, which is Ameris Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Ameris Bancorp's market value can be influenced by many factors that don't directly affect Ameris Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between Ameris Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if Ameris Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Ameris Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

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Ameris Historical Income Statement

About Ameris Income Statement Analysis

Ameris Bancorp Income Statement Chart

Total Revenue

Gross Profit

Other Operating Expenses

Ameris Bancorp income statement Correlations

Ameris Bancorp Account Relationship Matchups

High Positive Relationship

High Negative Relationship

Ameris Bancorp income statement Accounts

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Ebit	+ 1.0	Operating Income
Ebitda	+ 1.0	Operating Income
Net Income	+ 1.0	Income Before Tax
Total Revenue	+ 0.99	Depreciation And Amortization
Total Revenue	+ 0.99	Selling General Administrative
Ebitda	+ 0.99	Ebit

Cost Of Revenue	- 0.94	Depreciation And Amortization
Cost Of Revenue	- 0.92	Total Revenue
Net Interest Income	- 0.91	Cost Of Revenue
Cost Of Revenue	- 0.91	Selling General Administrative
Cost Of Revenue	- 0.9	Net Income
Cost Of Revenue	- 0.89	Income Before Tax