$2.5 B

ABCB Mkt cap, 11-Jul-2018

$106 M

Ameris Bancorp Revenue Q1, 2018
Ameris Bancorp Gross profit (Q1, 2018)95.3 M
Ameris Bancorp Gross profit margin (Q1, 2018), %89.9%
Ameris Bancorp Net income (Q1, 2018)26.7 M
Ameris Bancorp EBIT (Q1, 2018)67 M
Ameris Bancorp Cash, 31-Mar-2018334.9 M

Ameris Bancorp Income Statement

Annual

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

Revenue

126.3 m164.6 m190.4 m239.1 m

Revenue growth, %

30%16%26%

Cost of goods sold

14.9 m19.7 m34.2 m

Gross profit

175.5 m219.4 m

Gross profit Margin, %

92%92%

Sales and marketing expense

106.8 m

General and administrative expense

24.4 m24.1 m

Operating expense total

131.2 m231.9 m

Depreciation and amortization

3.9 m

EBIT

170.3 m215.3 m251.8 m

EBIT margin, %

89%90%

Pre tax profit

56.7 m105.2 m124.3 m

Income tax expense

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

Net Income

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

Quarterly

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

Revenue

44 m54.4 m61.1 m59.9 m64.9 m76.2 m78.8 m87.7 m91.1 m92.8 m99.6 m106 m

Cost of goods sold

2.4 m3.3 m4.1 m3.5 m3.5 m3.8 m4.1 m4.8 m5.1 m6.5 m8.3 m10.7 m

Gross profit

41.6 m51.1 m57 m56.4 m61.3 m72.4 m74.7 m83 m85.9 m86.3 m91.3 m95.3 m

Gross profit Margin, %

94%94%93%94%95%95%95%95%94%93%92%90%

Sales and marketing expense

14.4 m16.9 m20.2 m20.6 m22.5 m24.9 m26.2 m27.5 m28 m27.8 m29.1 m

General and administrative expense

4.1 m4.7 m4.8 m5.9 m

Operating expense total

28.7 m37.3 m38.6 m40.8 m56.9 m48.4 m55.6 m52.4 m53.2 m53.1 m55.7 m59.1 m

Depreciation and amortization

934 k

EBIT

26.4 m33.9 m37.5 m37.8 m38 m46.4 m49.8 m53.7 m56.3 m58.8 m61 m67 m

EBIT margin, %

60%62%61%63%59%61%63%61%62%63%61%63%

Pre tax profit

9.9 m12.4 m16.8 m14.5 m23 m18.4 m29.7 m31.9 m31.4 m33.4 m34.4 m

Income tax expense

4.3 m5.1 m4.7 m486 k7.4 m6.1 m9.7 m10.4 m10.2 m10.3 m7.7 m

Net Income

6.7 m8.1 m11.7 m9.8 m1.3 m15.6 m12.3 m20 m21.6 m21.2 m23.1 m26.7 m

Ameris Bancorp Balance Sheet

Annual

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

Cash

63 m78 m118.5 m127.2 m139.3 m

Accounts Receivable

Inventories

4.9 b

PP&E

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

Goodwill

35 m63.5 m90.1 m125.5 m125.5 m

Total Assets

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

Accounts Payable

5.6 b6.6 b

Short-term debt

Long-term debt

Total Liabilities

6.2 b7.1 b

Additional Paid-in Capital

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

Retained Earnings

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

Total Equity

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

Financial Leverage

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

Quarterly

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

Cash

53.5 m71.4 m81 m69.4 m80.1 m115.4 m114.4 m146.9 m116.3 m123.3 m127.2 m139.5 m334.9 m

Inventories

1.6 b3.8 b4.2 b5.1 b

PP&E

65.7 m87.4 m99.5 m98.8 m98.3 m124.9 m124.8 m124.7 m124 m122.2 m121.6 m121.1 m116.4 m

Goodwill

956 k35 m58.9 m58.9 m63.5 m87.4 m87.7 m121.5 m121.4 m122.5 m125.5 m125.5 m208.5 m

Total Assets

2.8 b3.5 b4 b4 b4.2 b5.2 b5.2 b6.1 b6.2 b6.5 b7.1 b7.4 b8 b

Accounts Payable

2.4 b3 b3.4 b3.4 b3.5 b4.5 b4.5 b5.2 b5.2 b5.3 b5.6 b5.8 b6.4 b

Total Liabilities

2.5 b3.2 b3.6 b3.6 b3.7 b4.7 b4.7 b5.5 b5.6 b5.9 b6.3 b6.6 b7.2 b

Additional Paid-in Capital

165.8 m190.5 m223.9 m224.1 m335.6 m336.2 m336.6 m407.7 m408.5 m409.6 m503.5 m505.8 m559 m

Retained Earnings

83 m92.1 m98.8 m109.2 m126.6 m126.3 m140.3 m163.4 m181.7 m199.8 m231.9 m251.3 m296.4 m

Total Equity

290.4 m300 m343.4 m353.8 m489.8 m486.8 m502.3 m600.8 m625.9 m642.6 m758.2 m782.7 m868.9 m

Financial Leverage

9.7 x11.6 x11.6 x11.3 x8.5 x10.7 x10.4 x10.1 x9.9 x10.1 x9.4 x9.5 x9.2 x

Ameris Bancorp Cash Flow

Annual

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

Net Income

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

Depreciation and Amortization

4.9 m9 m3.7 m13.9 m9.2 m

Accounts Receivable

Inventories

Accounts Payable

Cash From Operating Activities

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

Purchases of PP&E

(90 m)(126.9 m)(249.1 m)(200.8 m)(113.3 m)

Cash From Investing Activities

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

Cash From Financing Activities

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

Interest Paid

9.9 m14.7 m32.5 m

Income Taxes Paid

16.9 m19.3 m38.9 m

Quarterly

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

Net Income

18.6 m8.4 m16.5 m28.1 m9.8 m11.1 m26.7 m12.3 m20 m21.6 m21.2 m23.1 m26.7 m

Depreciation and Amortization

4.8 m2.4 m4.7 m7.5 m2.6 m5.2 m9.1 m3.7 m6 m8 m3.4 m5.7 m3.2 m

Cash From Operating Activities

33.5 m32.2 m15.9 m(4.9 m)12.3 m(17.3 m)(18 m)13.5 m(16 m)(62.3 m)13.3 m(68.3 m)48.5 m

Purchases of PP&E

(121.9 m)

Cash From Investing Activities

146.6 m161.8 m165.4 m163.6 m(119.8 m)(5.4 m)973 k(100.8 m)(230.8 m)(399.4 m)(24.4 m)(305.5 m)(158.3 m)

Cash From Financing Activities

(206.9 m)(185.6 m)(163.3 m)(152.3 m)109.6 m60.1 m53.4 m(49 m)40.8 m285.1 m172 m452.8 m114 m

Interest Paid

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

Income Taxes Paid

11.3 m5.6 m15 m215 k2.7 m2.7 m2 k

Ameris Bancorp Ratios

USDY, 2018

Financial Leverage

9.2 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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