$1.9 B

ABCB Mkt cap, 04-Dec-2018

$151.3 M

Ameris Bancorp Revenue Q3, 2018
Ameris Bancorp Gross profit (Q3, 2018)129.2 M
Ameris Bancorp Gross profit margin (Q3, 2018), %85.4%
Ameris Bancorp Net income (Q3, 2018)41.4 M
Ameris Bancorp EBIT (Q3, 2018)96.9 M
Ameris Bancorp Cash, 30-Sep-2018629.3 M

Ameris Bancorp Income Statement

Annual

USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Revenue

126.3m164.6m276.0m344.9m398.8m

Revenue growth, %

30%16%26%

Cost of goods sold

14.9m19.7m34.2m

Gross profit

261.1m325.2m364.6m

Gross profit Margin, %

95%94%91%

General and administrative expense

21.2m24.4m24.1m

Operating expense total

199.1m215.8m231.9m

Depreciation and amortization

3.7m4.4m3.9m

EBIT

170.3m215.3m251.8m

EBIT margin, %

62%62%63%

Pre tax profit

56.7m105.2m124.3m

Income tax expense

(15.9m)(33.1m)(50.7m)

Net Income

20.0m38.7m40.8m72.1m73.5m

Ameris Bancorp Balance Sheet

Annual

USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Cash

63.0m78.0m118.5m127.2m139.3m

Accounts Receivable

Inventories

4.9b

PP&E

103.2m97.3m121.6m121.2m117.7m

Goodwill

35.0m63.5m90.1m125.5m125.5m

Total Assets

3.7b4.0b5.6b6.9b7.9b

Accounts Payable

3.0b4.9b5.6b6.6b

Short-term debt

Long-term debt

Total Debt

Total Liabilities

3.4b5.1b6.2b7.1b

Additional Paid-in Capital

189.7m225.0m337.3m410.3m508.4m

Retained Earnings

84.0m118.4m152.8m214.5m273.1m

Total Equity

316.7m366.0m514.8m646.4m804.5m

Financial Leverage

11.6 x11 x10.9 x10.7 x9.8 x

Ameris Bancorp Cash Flow

Annual

USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Net Income

20.0m38.7m40.8m72.1m73.5m

Depreciation and Amortization

4.9m9.0m11.8m13.9m13.1m

Accounts Receivable

Inventories

Accounts Payable

Cash From Operating Activities

33.6m(5.6m)(25.2m)(69.8m)(62.6m)

Purchases of PP&E

(90.0m)(126.9m)(249.1m)(200.8m)(113.3m)

Cash From Investing Activities

40.2m143.8m(167.9m)(802.9m)(666.9m)

Cash From Financing Activities

(91.1m)(123.2m)413.3m680.5m861.7m

Interest Paid

9.9m14.7m32.5m

Income Taxes Paid

16.9m19.3m38.9m

Quarterly

USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018Q2, 2018Q3, 2018

Net Income

18.6m8.4m16.5m28.1m9.8m11.1m26.7m12.3m32.4m53.9m21.2m23.1m64.4m26.7m36.0m77.5m

Depreciation and Amortization

4.8m2.4m4.7m7.5m2.6m5.2m9.1m3.7m7.0m10.4m3.4m5.7m9.9m3.2m7.7m13.2m

Cash From Operating Activities

33.5m32.2m15.9m(4.9m)12.3m(17.3m)(18.0m)13.5m(16.0m)(62.2m)13.3m(68.3m)(95.7m)48.5m(55.5m)(93.5m)

Purchases of PP&E

(121.9m)(155.5m)(234.7m)

Cash From Investing Activities

146.6m161.8m165.4m163.6m(119.8m)(5.4m)973.0k(100.8m)(230.8m)(399.4m)(24.4m)(305.5m)(534.7m)(158.3m)(190.7m)(159.4m)

Cash From Financing Activities

(206.9m)(185.6m)(163.3m)(152.3m)109.6m60.1m53.4m(49.0m)40.8m285.1m172.0m452.8m675.9m114.0m340.2m551.5m

Interest Paid

7.8m3.5m6.7m10.8m3.7m7.2m11.1m23.4m11.6m23.2m45.5m

Income Taxes Paid

11.3m5.6m15.0m215.0k2.7m2.7m28.2m2.0k4.0m10.3m

Ameris Bancorp Ratios

USDY, 2018

Financial Leverage

8.1 x
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Ameris Bancorp Operating Metrics

Ameris Bancorp's Total Loans was reported to be $5.7b in Q2, 2017.
FY, 2014Q1, 2015Q2, 2015Q3, 2015FY, 2015Q1, 2016Q2, 2016Q3, 2016FY, 2016Q1, 2017Q2, 2017

Bank Branches

73 101 97

Non-accrual Loans

$21.73 m$20.84 m$20.74 m$20.56 m$16.86 m$15.70 m$16 m$16.57 m$18.11 m$18.28 m$17.08 m

Total Loans

$2.84 b$2.89 b$3.46 b$3.66 b$3.91 b$4.44 b$4.62 b$4.85 b$5.26 b$5.32 b$5.67 b
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Ameris Bancorp Employee Rating

3.122 votes
Culture & Values
3.5
Work/Life Balance
3.0
Senior Management
2.9
Salary & Benefits
3.4
Career Opportunities
2.8
Source